New Hampshire Bankruptcy

This page provides New Hampshire bankruptcy information and resource links.

If you are not looking for information regarding this state, please use the links on the right to find information for your state.

Bankruptcy Court - Location and Contact Info.

Following is the address and telephone number for the New Hampshire bankruptcy court:

U.S. Bankruptcy Court
1000 Elm Street, Suite 1001
Manchester, NH 03101-1708
(603) 222-2600

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Bankruptcy Laws and Exemptions

New Hampshire Exemptions

The U.S. Bankruptcy Code allows individual debtors to exempt certain property from creditor claims based on exemptions under either federal law or state law. Exemptions vary from state to state. Some states have adopted their own set of bankruptcy exemptions that are used in place of the federal exemptions. However, other states give debtors an option to choose between either state or federal exemptions.

For filings in New Hampshire, state exemptions are used. Click the following links for some common bankruptcy exemptions pursuant to New Hampshire law: homestead exemption, personal property.

Contact a bankruptcy lawyer for more information regarding New Hampshire bankruptcy exemptions.

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New Hampshire Means Test

The new bankruptcy laws enacted in 2005 also require that debtors pass a means test before filing a Chapter 7 bankruptcy. There are two ways to pass the means test:

1. the debtor's annual income (calculated using the average gross income for the six month period prior to filing) must be below the state median. Census Bureau statistics for state median income by family size can be found here (for cases filed between April 1, 2013 and April 30, 2013).

2. If income exceeds the median income, individuals may still file Chapter 7 bankruptcy based on results of Form 22A: Chapter 7 Statement of Current Monthly Income and Means-Test Calculation. .

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New Hampshire Credit Counseling and Debtor Education Agencies

Pursuant to the new bankruptcy laws enacted in 2005, individuals who file personal bankruptcy (with limited exceptions) must:

1. take a credit counseling course from an approved New Hampshire credit counseling provider within six months before filing bankruptcy; and

2. complete a debtor education course from an approved New Hampshire debtor education agency prior to receiving a bankruptcy discharge.

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New Hampshire Personal Bankruptcy Attorneys

To find New Hampshire bankruptcy lawyers in your area, you may want to contact your local county bar association or the New Hampshire State Bar Association:

2 Pillsbury Street
Suite 300
Concord, NH 03301
(603) 224-6942

Based on income, free bankruptcy advice and representation may also be obtained from the following organizations: See the New Hampshire Legal Advice and Referral Center's website for a list of organizations that provide legal services to low income clients in New Hampshire.

If you are concerned about the representation provided to you by an attorney, visit the NHBA's page discussing the various options for resolving a dispute.

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Resources for New Hampshire Bankruptcy Laws

U.S. Bankruptcy Court for the District of New Hampshire - administrative and procedural information for New Hampshire bankruptcy filings

Office of the U.S. Trustee for Region 1 - oversees the administration of New Hampshire personal bankruptcy cases and case trustees

New Hampshire Bar Association - information about the New Hampshire bar, membership, ethics, continuing legal education, and resources for the public.

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