BANKRUPTCY LAW

Thinking of Filing Bankruptcy?  Give us a Call…

Sometimes bad things happen to good people, through no fault or choice of their own.  People may live their entire lives working, raising families, paying taxes and otherwise being good citizens, without any contact with lawyers or the legal system.

Unanticipated disability, divorce or death of a spouse, unemployment, company downsizing and the overall global and regional economy have thrust many people into situations they never anticipated happening to them.  Debt problems can and do profoundly affect all aspects of your life, from the way you interact with and perceive your spouse, children, friends and co workers, to sleepless nights, anxiety, and the hopeless feeling of despair which attends overwhelming debt.

Before you do things to compromise your financial or personal future, call our offices to arrange an appointment to discuss your financial situation and options. If you have any doubts, take our quiz at the end of this section.

If you are looking for a Bankruptcy attorney in the Manchester NH area (and serving all of New Hampshire) then give us a call at (603) 647-4707

Filing for Bankruptcy in New Hampshire

In order to file for bankruptcy within the State of New Hampshire, you must have resided here for at least 180 days (six months) and not filed for Bankruptcy within the past eight years, (changed from six years under the prior Code).  You must also have resided in the State of New Hampshire for two years to take advantage of our State’s rather generous exemption scheme.

The Office of the United States Trustee, under the supervision of the Justice Department, oversees all bankruptcy cases filed in New Hampshire, and has taken an increasingly hard line and closely scrutinizes and verifies all bankruptcy filings, with any eye toward eliminating the alleged misuse of the Bankruptcy Code which gave rise to the drastic reforms of the 2005 Act.  Consumer debtors have primarily two options under the Federal Bankruptcy Code, being Chapter 7 and 13.

More about the Law Offices of F. Michael Keefe

We are a general practice law firm, in practice since 1986, and are proudly in our Twenty-ninth year assisting consumer debtors in seeking relief under Federal Bankruptcy laws.  In my bankruptcy practice<b>, I do not represent banks, credit card companies or their collection agencies or large corporations</b>.

Rather, consistent with the philosophy of our firm, I have focused my practice primarily on consumer debtors, helping individuals and married couples and small business persons find their way out of the morass that attends debt problems.  We strive to provide personal, compassionate, and non judgmental assistance to all our clients.

The Federal Bankruptcy Code and forms of organized debt forgiveness have been in place in one form or another in this country for over 125 years.  I often tell my somewhat embarrassed Bankruptcy clients that the Federal Bankruptcy Code is a federal right and remedy, put in place and periodically adjusted by the U.S. Congress, and that like any Federal right, it is relief put in place for their use and benefit.  My clients find it comforting to know, from the very beginning of my relationship with them, that they have nothing to explain, be ashamed of or feel guilty about unless they have done something contrary to the Bankruptcy Code Rules and Requirements, which fortunately is attempted by only a very small group of potential clients

Unlike some other Bankruptcy lawyers, I will take an hour to an hour and a half during my intake conference to carefully analyze your individual situation and explain your choices and the ins and outs of the Bankruptcy Code to you.  It is not my goal to make you a Bankruptcy Lawyer during that time.  I do think it is my duty to make you an informed client, so that you can make intelligent choices about your Bankruptcy, the debts that you elect to take from Bankruptcy and your consequences of your election to go forward with a Bankruptcy filing after meeting with me.  The Bankruptcy laws required detailed and complete disclosure and expects that all Debtors and their attorneys will file accurate and complete schedules with their bankruptcy petitions.

I also spend a few moments during a Bankruptcy Intake to speak with my clients about how they got into debt difficulty, and how they need to cure whatever habits brought them to my door to avoid enduring the necessity of a Bankruptcy filing again.  I spend some time talking about debt relief, and credit rebuilding, which is critical in a society as credit obsessed and as credit driven as ours.

As you may be aware, Congress drastically overhauled the Federal Bankruptcy Code, which revisions became effective as of October 17, 2005.  The new law carries the rather ominous title of the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA).  Like most hysterical “reform” movements, several high profile manipulations of the prior bankruptcy process were exploited to present the impression of widespread abuse, which was simply not the case.

The law was the result of intense lobbying and spending by banks and credit card companies.  Despite its noble sounding title, it appears that the goal of Congress was to make this process more difficult, more expensive and even more intimidating for someone contemplating bankruptcy relief.  Although I do not have a great impression of many of our elected leaders, they certainly succeeded in this endeavor, on behalf of their constituents the credit card companies!

<span style=”text-decoration: underline;”>DO NOT BELIEVE THE RUMORS</span> you may have heard about this law eliminating bankruptcy protection and relief.  <b>BANKRUPTCY PROTECTION AND RELIEF ARE STILL AVAILABLE.</b> The new law merely provides more “hoops” for persons to jump through, and requires much more documentation.  Most of the relief available under the “old” Code is still available today.  However, the new law is at times convoluted and confusing, and there is now a presumption that debtors are abusing the system. Now, more than ever, people need the assistance of experienced competent bankruptcy attorneys to assist them through this process.

All bankruptcy attorneys are required by law to provide this notice:

WE ARE A FEDERAL DEBT RELIEF AGENCY.
WE ASSIST CLIENTS IN SEEKING BANKRUPTCY RELIEF.

Get the help you need from someone who understands all aspects of Bankruptcy Law.

“Michael was a pleasure to work with. His insight and knowledge with the divorce laws of New Hampshire are unparalleled and his “no nonsense” approach is refreshing. If you are looking for a highly competent legal expert to help you navigate the legal process call Michael, you won’t regret it.” – Chris S.