Bankruptcy is a legal action that allows debtors to get a fresh start on their finances. There are two options:

• Sell non-exempt property or properties and discharge the debt.
• Come up with a repayment plan over the next 3-5 years.

The right to file bankruptcy comes from federal law, and all cases are handled in federal court, regardless of what state you reside in.

Bankruptcy may make it possible for you to do a few things. You may be able to get rid of most of your debt, known as a discharge of debt. Filing for bankruptcy will stop all creditor actions, including foreclosure, repossession, and wage garnishment. Filing for bankruptcy may also enable you or your lawyer to challenge creditor claims.

There is no specific “one-fee-fits-all” cost for filing bankruptcy.  It depends on what chapter bankruptcy is being filed and the simplicity or complexity of the case.  We will be happy to give you an estimate once we have had the opportunity to review the facts and circumstances of your particular matter. 

No. Bankruptcy will eliminate all unsecured debt, such as credit card loans and medical bills. It will not normally wipe out:

• Student Loans
• Mortgages
• Child, Support, or Alimony Debt
• Tax Debt

• If you are receiving constant calls from bill collectors, bankruptcy immediately ends that harassment.
• If you are under the threat of foreclosure or eviction, bankruptcy will immediately stop those actions.
• If you are losing sleep, fighting with your spouse or partner, and/or in a constant state of anxiety over your financial difficulty, bankruptcy will alleviate your stress.
• Bankruptcy will allow you to walk away from practically all of your debt, such as credit card bills, loans, medical expenses, as well as other types of debt.

Buckley Law Offices recognizes that most people are responsible and hard-working members of the community who want to be able to pay their debt, but because of circumstances such as divorce, unemployment, COVID-19, illness, injury, or the death of a primary wage earner, it has become a near impossible task to repay the debt arising from the circumstances. 

Bankruptcy allows the debtor to file for bankruptcy so that most, if not all, of the incurred debt is discharged, meaning it is no longer owed. This is called a fresh start, and thousands of people and businesses across New Hampshire have availed themselves of this fantastic opportunity. Many of them have done so with the help of Buckley Law Offices.

If you’re considering bankruptcy in New Hampshire or Massachusetts, contact Buckley Law Offices for a free consultation. We will help you through the complex process and guide you to financial freedom.

The right to file bankruptcy comes from federal law, and all cases are handled in federal court, regardless of what state you reside in.

No.

Generally speaking, it is uncommon for anyone to lose any property or belongings through the bankruptcy process itself in the state of New Hampshire. The bankruptcy code provides for exemptions, which protect practically everything from the claims of creditors. Items such as wages, 401(k)s, IRAs, pension, Social Security, equity in your home, household contents, motor vehicle, and personal belongings are all protected. It is determined that you will pass the means test, Buckley law offices will conduct an extensive bankruptcy intake with you to determine the exempt property.

Employers cannot discriminate against an individual who saw bankruptcy protection. However, it is important to know that it might be a condition of employment that you notify your employer that you were thinking about filing for bankruptcy. This is most common in places of employment for security clearances are issued. You should consult your employee handbook or contact your human resources department if you were unsure if you must give prior notice.

Individuals cannot be denied licenses, permits, student loans, and/or grants simply because they have filed for bankruptcy protection in the state of New Hampshire.

Call our attorney to speak about your case!  We offer a free consultation to anyone in New Hampshire considering filing for bankruptcy, so you can discuss your case with us for free! 

At Buckley Law Offices, P.C., we are highly skilled in bankruptcy matters in the state of New Hampshire.  Attorney Buckley and the bankruptcy team at Buckley Law Offices are experienced in this area of law and can help you completely resolve your financial problems.  There are various types of bankruptcy and our firm will need to review your situation to determine the type that will best suit you.  We assist individuals and business owners in filing Chapter 7, Chapter 11, and Chapter 13 bankruptcy.  

Our founder, Attorney David E. Buckley is an experienced litigator who regularly appears for clients in federal court.  With a strong reputation in the legal community, his knowledge of the law and the bankruptcy process has been very beneficial for individuals, couples, and business owners in financial trouble in the state of New Hampshire.  

Are you looking for a reliable and cost-effective legal consultation in New Hampshire? Are you hoping to find a lawyer who can help you virtually? Do you want to do your entire bankruptcy case over the phone? Do you want to do some parts in person? Look no further than Buckley Law Offices! We offer free, 100% virtual consultations to all our potential clients.

Our free initial consultation includes:

• a comprehensive review of your bankruptcy case
• advice on the best course of action
• an estimate of the costs associated with filing for bankruptcy with a Nashua bankruptcy attorney
• personalized advice tailored to each client’s unique bankruptcy situation

Our initial consultation will always be free. We understand that when you’re looking for legal help with bankruptcy, you don’t always have money to spare. Don’t waste your money on a consultation that costs money. Buckley Law Offices takes your situation seriously and takes action to make your life easier.

Call 877-595-8801 today to schedule your free, no-risk, no-obligation consultation. Buckley Law Offices is ready to help.

If it is inconvenient for you to make it to our location at 30 Temple St in Nashua, New Hampshire, we offer 100% virtual appointments and can handle your entire case over the phone or online.  Even the bankruptcy hearing is done over the phone!  Contact Buckley Law Offices via telephone or by submitting an online form today to start the process of filing for bankruptcy and reclaiming your financial peace of mind.