Since 1992, We Have Been Restoring Peace For Our Clients in New Hampshire

Filing for Chapter 13 bankruptcy in the state of New Hampshire may be the right option for you if you have a dischargeable, wholly unsecured second mortgage or you’re not eligible for Chapter 7 bankruptcy. With this form of bankruptcy, you can consolidate your debts into a lump sum and then pay off the debt every month for a period of 3 to 5 years by making payments to a bankruptcy trustee who distributes your funds appropriately to your deck collectors. Chapter 13 allows you to keep your assets well, regaining control of your finances. In addition, you may be able to completely discharge some deaths under the Chapter 13 plan in the state of New Hampshire. You may also wish to consider filing under Chapter 13 if you:

• Are in danger of foreclosure because you have fallen behind on mortgage payments for a home you own;
• Are behind on paying your bills, but you believe you can pay them if you could have a little more time;
• Own valuable property that you cannot count as legally exempt;
• Your income is higher than the median for households of your size in your area

• a valid photo ID
• your social security card
• filed tax returns for the past three years
• payroll check stubs for the last six months
• payroll check stubs for your spouse, even if he or she is not filing for bankruptcy, for the last six months
• bank statements for the last six months for every bank account you have

If applicable, also bring:

• All documents you have received related to a pending lawsuit, judgment on a prior lawsuit, foreclosure, eviction, and/or repossession
• If you pay child support or spousal support, the name and address of the party or individual to whom you make these payments
• The facing page of any life insurance policy showing benefits that would be paid, unless this policy is an employment benefit