New Hampshire State Bankruptcy Laws
What Are The New Hampshire Bankruptcy Exemptions?
New Hampshire law protects all or a portion of your property from being seized by creditors or the bankruptcy trustee in a Chapter 7 bankruptcy. In a Chapter 13 bankruptcy, you are generally allowed to keep all of your assets and property. Certain exceptions may apply, so it’s wise to consult with a New Hampshire bankruptcy attorney to find which of your assets will be protected in a bankruptcy filed in New Hampshire. In general, the major New Hampshire bankruptcy exemptions include:
|GENERAL NEW HAMPSHIRE EXEMPTIONS|
|Real Estate (the Homestead Exemption)
Up to $100,000 of equity in your homestead can be protected.
Up to $4,000 of equity in one automobile can be protected.
Clothing; beds, bedsteads and bedding; household furniture to the value of $3,500; one stove, refrigerator, and utensils; one sewing machine; provisions and fuel in the value of $400; service uniforms; bibles, school books and library books to the value of $800; tools of trade to the value of $5,000; 1 hog, 1 pig, 6 sheep, 1 cow or horse; one church pew and burial plot; jewelry to the value of $500; and a “wild card” exemption of any property, not to exceed $1,000 in value, plus up to $7,000 of any unused amount of other exemptions.
|View the complete list of New Hampshire bankruptcy exemptions|
Please remember that this page provides general information only, and is not intended to provide legal advice. The information is not a substitute for the advice of a qualified bankruptcy attorney. If you need legal assistance, consult an attorney.
Which state’s exemption laws apply in your bankruptcy?
Generally, the laws of the state in which you lived for the 730 days (2 years) prior to filing a bankruptcy petition will apply in your bankruptcy.
If you have not lived in the same state for the 2 years immediately prior to filing your bankruptcy petition, the laws of the state in which you lived for the majority of the 180-day period preceding the 2-year period will likely apply.
If application of the preceding general rules renders you ineligible for exemptions under any state’s laws, you may be allowed to choose the federal exemptions applicable in your bankruptcy.
Is New Hampshire a Community Property State?
No, New Hampshire is not a community property state. Because it is not a community property state, you will be responsible for your spouse’s debts only if you voluntarily assumed those debts by, for example, co-signing on a loan given to your spouse. In a non-community property state, one spouse can file for bankruptcy and be eligible to eliminate all of their unsecured debts without the involvement of the other spouse.
How did your senator vote on the new bankruptcy laws?
Following years of intense lobbying by creditors, Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA). How did your Senators vote on these largely pro-creditor provisions?
Gregg (R-NH) — YEA
Sununu (R-NH) — YEA
New Hampshire Bankruptcy Court Locations:
1000 Elm Street
Manchester, NH 03101-1708
Note: You may not have to actually go to one of the above bankruptcy courts. Trustees often conduct your meeting at a local venue.
Although bankruptcy is federal law, the bankruptcy courts in each jurisdiction have local rules that must be followed. A local bankruptcy attorney will be familiar with the specific rules in your area.
New Hampshire Bankruptcy Attorney Locations:
Bankruptcy Attorneys in the state of New Hampshire
|Bedford Payday Loans|
|nadeauattorneys.com||Nadeau Legal PLLC||(207) 494-8086||Nadeau Legal PLLC, 15 Constitution Dr Suite 1A, Bedford, NH 03110, United States|
|Claremont Payday Loans|
|feleenlaw.com||Law Office of James G. Feleen, pllc||(603) 504-6507||Law Office of James G. Feleen, pllc, 2 Pleasant St, Claremont, NH 03743, United States|
|Concord Payday Loans|
|bankruptcynh.com||Racine Law Office, PLLC||(603) 230-2408||Racine Law Office, PLLC, The Concord Center, 10 Ferry St Suite 309A, Concord, NH 03301, United States|
|nhlegalservices.com||Law Offices of Martin and Hipple, PLLC||(603) 856-0202||Law Offices of Martin and Hipple, PLLC, 22 Bridge St Suite 3, Concord, NH 03301, United States|
|callfamilylegal.com||Sandra Kuhn||(603) 226-7911||Sandra Kuhn, 141 Airport Rd, Concord, NH 03301, United States|
|Derry Payday Loans|
|attorney-myers.com||Law Offices of Andrew D Myers||(603) 437-2643||Law Offices of Andrew D Myers, 4 Birch St, Derry, NH 03038, United States|
|Dover Payday Loans|
|bankruptcy-lawyer-nh.com||Dover Bankruptcy – Chapter 7 – 13 Lawyer||(603) 742-1260||Dover Bankruptcy – Chapter 7 – 13 Lawyer, 661 Central Ave, Dover, NH 03820, United States|
|callfamilylegal.com||Key Bankruptcy||(888) 725-0004||Key Bankruptcy, 456 Central Ave, Dover, NH 03820, United States|
|familylegalservices.org||Jeffrey Runge | Bankruptcy||(603) 225-1114||Jeffrey Runge | Bankruptcy, 660 Central Ave Suite 1, Dover, NH 03820, United States|
|azarianlaw.net||Azarian Law Office, PLLC||(603) 750-0015||Azarian Law Office, PLLC, 90 Washington St #301c, Dover, NH 03820, United States|
|top-nh-divorce-attorneys.com||FAMILYLEGAL||(888) 725-0004||FAMILYLEGAL, 456 Central Ave, Dover, NH 03820, United States|
|cindyclarklaw.com||Theresa Spearing | Divorce & Bankruptcy||(603) 225-6204||Theresa Spearing | Divorce & Bankruptcy, 660 Central Ave #1, Dover, NH 03820, United States|
|seatonandlohr.com||Seaton & Lohr||(603) 743-3302||Seaton & Lohr, 53 Silver St, Dover, NH 03820, United States|
|Exeter Payday Loans|
|mooredevlin.com||Moore Devlin Law, PLLC||(603) 772-6025||Moore Devlin Law, PLLC, 24 Front St #113, Exeter, NH 03833, United States|
|Franconia Payday Loans|
|clickonlaw.com||Andrew G Bronson Law Office||(603) 823-7200||Andrew G Bronson Law Office, 760 Main St, Franconia, NH 03580, United States|
|clickonlaw.com||Bryan W. Clickner, Attorney At Law PLLC||(888) 783-5821||Bryan W. Clickner, Attorney At Law PLLC, 760 Main St, Franconia, NH 03580, United States|
|Franklin Payday Loans|
|seufertlaw.com||Seufert Law Offices PA||(603) 934-9837||Seufert Law Offices PA, 59 Central St, Franklin, NH 03235, United States|
|sesslerlaw.com||Sessler Law Office PLLC||(603) 934-2110||Sessler Law Office PLLC, 396 Central St, Franklin, NH 03235, United States|
|Goffstown Payday Loans|
|clickonlaw.com||Bryan W.Clickner, Attorney At Law, PLLC||(877) 723-7200||Bryan W.Clickner, Attorney At Law, PLLC, 152 S Mast St, Goffstown, NH 03045, United States|
|Hampton Payday Loans|
|burnhamlegal.com||Burnham & Associates Attorneys at Law, PLLC||(603) 758-1380||Burnham & Associates Attorneys at Law, PLLC, 861 Lafayette Rd, Hampton, NH 03842, United States|
|Hanover Payday Loans|
|mbfisherlaw.com||Fisher Law Offices, PLLC||(603) 643-1313||Fisher Law Offices, PLLC, 45 Lyme Rd Suite 205, Hanover, NH 03755, United States|
|Hollis Payday Loans|
|randallbclark.com||Randall B. Clark Attorney at Law||(603) 801-3039||Randall B. Clark Attorney at Law, 80 W Hollis Rd Ste A, Hollis, NH 03049, United States|
|Keene Payday Loans|
|neimanlaw.com||Gerald D. Neiman, Attorney at Law||(603) 357-3777||Gerald D. Neiman, Attorney at Law, 103 Roxbury St #302, Keene, NH 03431, United States|
|bonnettelaw.com||Law Office Of Steve J Bonnette||(603) 355-2900||Law Office Of Steve J Bonnette, 20 Central Square #2A, Keene, NH 03431, United States|
|Laconia Payday Loans|
|hpllaw.com||Charles Gallagher||(603) 524-4101||Charles Gallagher, 816 N Main St, Laconia, NH 03246, United States|
|wescottlawnh.com||Wescott Law, P.A.: Allison M. Ambrose||(603) 524-2166||Wescott Law, P.A.: Allison M. Ambrose, 28 Bowman St, Laconia, NH 03246, United States|
|Londonderry Payday Loans|
|londonderrylaw.com||Law Office of Emma J. Hilton, Esq.||(603) 432-0002||Law Office of Emma J. Hilton, Esq., 75 Gilcreast Rd STE 300, Londonderry, NH 03053, United States|
|scottandscottpa.com||Scott & Scott, P.A.||(603) 434-3426||Scott & Scott, P.A., 50 Nashua Rd Suite 102, Londonderry, NH 03053, United States|
|Manchester Payday Loans|
|bankruptcylaw-nh.com||Smith Timothy P||(603) 623-0036||Smith Timothy P, 102 Middle St, Manchester, NH 03101, United States|
|nhbankruptcylawyer.com||Blackwood Law, PLLC||(603) 669-2008||Blackwood Law, PLLC, 1800 Elm St, Manchester, NH 03104, United States|
|williamgillenlaw.com||The Law Offices of William M. Gillen P.C.||(603) 625-5333||The Law Offices of William M. Gillen P.C., 913 Elm St #511a, Manchester, NH 03101, United States|
|dahar.com||Dahar Law Firm: S. William Dahar II||(603) 622-6595||Dahar Law Firm: S. William Dahar II, 20 Merrimack St, Manchester, NH 03101, United States|
|bankruptcylawnh.com||David S Osterman, Attorney||(603) 626-5452||David S Osterman, Attorney, 66 Hanover St, Manchester, NH 03101, United States|
|mooreames.com||Moore Ames Law, PLLC||(603) 232-6189||Moore Ames Law, PLLC, 530 Chestnut St #202, Manchester, NH 03101, United States|
|cda-law.com||Craig, Deachman & Associates PLLC||(603) 665-9111||Craig, Deachman & Associates PLLC, 1662 Elm St, Manchester, NH 03101, United States|
|Nashua Payday Loans|
|kellylawnh.com||Kelly Law PLLC||(603) 809-4230||Kelly Law PLLC, 16 Broad St, Nashua, NH 03064, United States|
|attorneydeming.com||Deming Law Office||(603) 882-2189||Deming Law Office, 491 Amherst St #22, Nashua, NH 03063, United States|
|bankruptcylawyernh.com||Law Office Christopher W. Kelley||(603) 637-1453||Law Office Christopher W. Kelley, 2 Wellman Ave #240, Nashua, NH 03064, United States|
|buckleylawoffices.com||Buckley Law Offices, P.C.||(603) 595-8801||Buckley Law Offices, P.C., 30 Temple St STE 210, Nashua, NH 03060, United States|
|annuttolawoffice.com||Nashua Divorce Lawyer – DUI Annutto Law||(603) 881-9161||Nashua Divorce Lawyer – DUI Annutto Law, 369 Main St, Nashua, NH 03060, United States|
|annuttolaw.com||Annutto Law Office||(603) 881-9161||Annutto Law Office, 369 Main St, Nashua, NH 03060, United States|
|plslawnh.com||Law Office of Peggy L. Small||(603) 598-8818||Law Office of Peggy L. Small, 193 Kinsley St, Nashua, NH 03060, United States|
|attorneygarner.com||Garner Law Office||(603) 882-8008||Garner Law Office, 7 Auburn St, Nashua, NH 03064, United States|
|Portsmouth Payday Loans|
|iurillolaw.com||Iurillo Law Group, P.A.||(727) 895-8050||Iurillo Law Group, P.A., 7 Brewery Ln, Portsmouth, NH 03801, United States|
|gardnerbusinesslaw.com||The Gardner Law Firm||(603) 766-4933||The Gardner Law Firm, 1 New Hampshire Ave #125, Portsmouth, NH 03801, United States|
|Salem Payday Loans|
|attorneygaudreau.com||Richard D. Gaudreau, Attorney at Law PC||(603) 893-4300||Richard D. Gaudreau, Attorney at Law PC, 395 Main St, Salem, NH 03079, United States|
|schreiblaw.com||The Schreiber Law Firm LLC||(603) 870-5333||The Schreiber Law Firm LLC, 53 Stiles Rd b201, Salem, NH 03079, United States|
|Somersworth Payday Loans|
|seacoastlegal.com||James McDaniel | Bankruptcy | Divorce | Criminal Defense||(603) 749-4334||James McDaniel | Bankruptcy | Divorce | Criminal Defense, 472 High St STE 301, Somersworth, NH 03878, United States|