New Hampshire State Bankruptcy Laws

What Are The New Hampshire Bankruptcy Exemptions?

New HampshireNew 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.
Automobiles
Up to $4,000 of equity in one automobile can be protected.
Other Property
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?

New HampshireGenerally, 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
Suite 1001
Manchester, NH 03101-1708
(603) 222-2600

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

  1. Bedford
  2. Claremont
  3. Concord
  4. Derry
  5. Dover
  6. Exeter
  7. Franconia
  8. Franklin
  9. Goffstown
  10. Hampton
  11. Hanover
  12. Hollis
  13. Keene
  14. Laconia
  15. Londonderry
  16. Manchester
  17. Nashua
  18. Portsmouth
  19. Salem
  20. Somersworth
Bedford Payday Loans
Website Company Telephone Address
nadeauattorneys.com Nadeau Legal PLLC (207) 494-8086 Nadeau Legal PLLC, 15 Constitution Dr Suite 1A, Bedford, NH 03110, United States
Claremont Payday Loans
Website Company Telephone Address
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
Website Company Telephone Address
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
Website Company Telephone Address
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
Website Company Telephone Address
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
Website Company Telephone Address
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
Website Company Telephone Address
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
Website Company Telephone Address
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
Website Company Telephone Address
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
Website Company Telephone Address
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
Website Company Telephone Address
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
Website Company Telephone Address
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
Website Company Telephone Address
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
Website Company Telephone Address
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
Website Company Telephone Address
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
Website Company Telephone Address
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
Website Company Telephone Address
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
Website Company Telephone Address
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
Website Company Telephone Address
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
Website Company Telephone Address
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

Comments are closed.