The top-rated bankruptcy lawyer in Manchester, New Hampshire is Tenn And Tenn, PA, rated 4.9 stars across 589 reviews. Other highly rated options include Ward Law Group, PLLC, Cohen & Winters, PLLC, Moore Ames Law, PLLC. This directory lists 22 bankruptcy lawyers serving Manchester.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Tenn And Tenn, PA | 16 High St #3 | (603) 614-5055 |
| 2 | Ward Law Group, PLLC | 28 Webster St | (603) 232-5220 |
| 3 | Cohen & Winters, PLLC | 102 Bay St #2 | (603) 931-4855 |
| 4 | Moore Ames Law, PLLC | 76 Webster St Suite 2 | (603) 232-6189 |
| 5 | Shaheen & Gordon, P.A. | 1155 Elm St Suite 300 | (603) 208-0054 |
| 6 | David S Osterman, Attorney | 66 Hanover St | (603) 626-5452 |
| 7 | Blackwood Law, PLLC | 1800 Elm St 2nd floor | (603) 669-2008 |
| 8 | The Law Offices of William M. Gillen P.C. | 913 Elm St #511a | (603) 625-5333 |
| 9 | Dahar Law Firm | 20 Merrimack St | (603) 622-6595 |
| 10 | Clark Law PLLC | 694 Pine St | (603) 473-4338 |
Tenn And Tenn, PA, serves the Manchester, New Hampshire, area as a Bankruptcy Law firm. The practice assists individuals and businesses with legal strategies for debt relief under federal bankruptcy laws. Filing for bankruptcy can help eligible clients halt creditor actions and eliminate or restructure debts. Managing Chapter 7 and Chapter 13 bankruptcy cases are two specific services it handles in this area.
Ward Law Group, PLLC in Manchester, NH provides legal guidance in consumer bankruptcy filings, including Chapter 7 and Chapter 13 cases, and offers ongoing client education about debt management options. The firm assists individuals and business owners in navigating the bankruptcy process to address financial challenges. Its practice covers personal residences, multifamily apartment buildings, small retail outlets, and local dining establishments.
Cohen & Winters, PLLC provides legal guidance for individuals and businesses navigating Chapter 7 and Chapter 13 bankruptcy proceedings in Manchester, New Hampshire. The firm offers assistance with debt discharge and developing repayment plans tailored to each client’s financial circumstances. It helps clients understand how filing impacts their assets. The lawyers work to protect clients from creditor harassment and potential foreclosure. They service single-family homes, apartments, rental properties, retail stores, and local restaurants.
Moore Ames Law, PLLC serves Manchester, New Hampshire, and the surrounding communities with focused legal assistance. The practice handles Chapter 7 and Chapter 13 bankruptcy cases for individuals and families. It guides clients through the process of discharging debts or creating manageable repayment plans. For a typical job, the firm first reviews financial circumstances to determine eligibility and then files the necessary documentation with the federal bankruptcy court to initiate automatic stay protections.
Shaheen & Gordon, P.A. serves homeowners, businesses, and individuals facing financial difficulty in Manchester. The firm handles Chapter 7 and Chapter 13 bankruptcy filings, helping clients manage debt relief and asset protection. They also provide legal representation during creditor negotiations and court proceedings. Their office serves clients throughout Manchester and the surrounding area, including Bedford, Hooksett, and other communities in the greater Hillsborough County metro region.
Bankruptcy legal services may be needed only once in a lifetime following a major financial event, or they can form part of a recurring process for individuals facing ongoing debt challenges. David S Osterman, Attorney in Manchester, NH, handles filings under Chapter 7 and Chapter 13 for local residents and small businesses. The process begins with an evaluation of debts and assets to determine eligibility for discharge or repayment plans. Services are typically provided on a one-time basis per case.
Blackwood Law, PLLC focuses its practice on bankruptcy law for individuals and businesses facing financial distress in Manchester, New Hampshire. The firm guides clients through Chapter 7 and Chapter 13 filings, offering legal representation for debt discharge and repayment plan negotiations. Its team handles creditor harassment, foreclosure prevention, and court proceedings. As winter approaches, the firm assists those struggling with seasonal income reductions or unexpected heating expenses, providing strategies to protect assets and manage mounting bills during the colder months.
The Law Offices of William M. Gillen P.C. handles bankruptcy cases for individuals and businesses in the Manchester, New Hampshire area. The firm focuses on both Chapter 7 and Chapter 13 bankruptcy filings to help clients address significant debt issues. Legal representation includes managing creditor communications and navigating the court process. This service supports multiple commercial sectors that face financial challenges, including offices, warehouses, and food service operations.
Dahar Law Firm serves individuals facing financial challenges in Manchester, providing residential bankruptcy assistance to help with debt relief options. The practice also extends its services to commercial clients navigating similar situations throughout the surrounding region. Their work involves guiding clients through the legal process of filing for bankruptcy protection, addressing both liquidation and reorganization matters. Clients can return for follow-up consultations to address ongoing financial concerns between regular scheduled appointments.
As winter approaches in Manchester, many households face mounting credit card and medical debt, making financial relief a pressing need. Clark Law PLLC handles Chapter 7 and Chapter 13 bankruptcy filings to help local residents discharge debts or restructure payments. The firm provides legal guidance through the court process, ensuring all required documentation is accurately completed. Initial case assessments are available in a private office consultation to evaluate individual financial situations.
What Does a a Bankruptcy Lawyer in Manchester Cost?
The typical costs for a bankruptcy case in New Hampshire include the court filing fee and the attorney fee. For Chapter 7, the filing fee is $338, and attorney fees generally fall between $1,200 and $2,500 for a standard case. For Chapter 13, the filing fee is $313, and attorney fees range from $3,000 to $5,000, often paid through the repayment plan itself. Some lawyers in Manchester offer payment plans that allow you to pay attorney fees in installments before the case is filed, and fee waivers for the court filing fee are available for Chapter 7 filers with income below 150 percent of the federal poverty level.
It is important to note that these figures are estimates and can vary based on the complexity of your case, the number of creditors, and whether you own a business or have significant assets. Many bankruptcy lawyers in Manchester provide a free initial consultation to discuss fee structures and payment options. This information is general and does not constitute legal advice. You should consult with a qualified bankruptcy lawyer in New Hampshire to obtain accurate cost information tailored to your specific financial situation.
About bankruptcy lawyers in Manchester
Bankruptcy law in Manchester, New Hampshire provides individuals and businesses a legal pathway to address overwhelming debt and obtain a financial fresh start. The most common forms of bankruptcy for individuals are Chapter 7, which involves liquidation of non-exempt assets to discharge most unsecured debts, and Chapter 13, which allows debtors with regular income to reorganize their debts through a court-approved repayment plan lasting three to five years. Chapter 11 bankruptcy is typically reserved for businesses seeking to restructure their operations and debts while continuing to operate, though high-income individuals may also qualify under certain circumstances. A bankruptcy lawyer in Manchester can help determine which chapter aligns with a client financial situation, income level, and long-term goals. For example, Chapter 7 is often suitable for those with limited income and few assets, while Chapter 13 is designed for individuals who have a steady income but need time to catch up on mortgage payments or other secured debts.
New Hampshire law allows debtors to choose between the state-specific exemptions and the federal bankruptcy exemptions, but they cannot mix and match from both systems. The New Hampshire homestead exemption protects up to $120,000 of equity in a primary residence, which increases to $200,000 for debtors who are 62 years or older or who are disabled. For vehicles, New Hampshire law exempts up to $4,000 of equity in one motor vehicle, though this amount can be doubled for married couples filing jointly. The state also offers a wildcard exemption of up to $1,000 in any personal property, which can be applied to assets not covered by other exemptions. Other notable New Hampshire exemption statutes include protection for retirement accounts such as IRAs and 401(k)s, life insurance policies with cash value up to $4,000, and household goods up to $3,500 in aggregate value. A bankruptcy lawyer in Manchester will review a client assets and help them select the exemption system that maximizes protection of their property.
The means test is a critical calculation that determines eligibility for Chapter 7 bankruptcy in New Hampshire. This test compares the debtor household income over the six months preceding the filing to the median income for a similarly sized household in the state. As of 2025, the median income thresholds for New Hampshire are approximately $65,000 for a single-person household, $80,000 for a two-person household, $95,000 for a three-person household, and $110,000 for a four-person household. If the debtor income falls below the median, they automatically qualify for Chapter 7. If their income exceeds the median, they must complete a detailed calculation of allowable expenses to determine whether they have enough disposable income to repay a portion of their unsecured debts over five years. Debtors with significant disposable income may be required to file under Chapter 13 instead. A Manchester bankruptcy lawyer can perform this calculation and advise on the appropriate filing chapter.
Filing for bankruptcy in the United States Bankruptcy Court for the District of New Hampshire, which has a courthouse in Manchester, triggers an automatic stay that immediately stops most collection activities. This means creditor phone calls, wage garnishments, foreclosure proceedings, and lawsuit judgments must cease upon filing. The automatic stay provides immediate relief and breathing room for debtors to work with their lawyer on the next steps. The timeline from filing to discharge varies by chapter: a Chapter 7 case typically concludes within four to six months, while a Chapter 13 plan lasts three to five years before discharge. All debtors must complete two mandatory credit counseling courses: a pre-filing credit counseling session within 180 days before filing, and a post-filing debtor education course before receiving a discharge. These courses can be completed online or by phone and typically cost between $10 and $50 each. A bankruptcy lawyer in Manchester will provide referrals to approved agencies and ensure these requirements are met on time.
The costs associated with bankruptcy in Manchester include court filing fees and attorney fees. The current filing fee for Chapter 7 is $338, and for Chapter 13 it is $313, though fee waivers are available for Chapter 7 filers whose income is below 150 percent of the federal poverty guidelines. Attorney fees in New Hampshire typically range from $1,200 to $2,500 for a straightforward Chapter 7 case and from $3,000 to $5,000 for a Chapter 13 case, depending on the complexity of the debt situation. Many bankruptcy lawyers in Manchester offer payment plans that allow clients to pay attorney fees in installments before filing, though the court filing fee must be paid in full at the time of filing unless a fee waiver is granted. For those with limited financial resources, pro bono legal services may be available through organizations such as New Hampshire Legal Assistance or the Pro Bono Program of the New Hampshire Bar Association. These programs typically serve low-income individuals and may have income eligibility requirements.
Life after bankruptcy involves understanding the long-term impact on credit and taking steps to rebuild financial health. A Chapter 7 discharge remains on a credit report for ten years from the filing date, while a Chapter 13 discharge remains for seven years. Despite this, many individuals find that their credit scores begin to improve within one to two years after discharge by adopting responsible financial habits. Strategies for rebuilding credit include obtaining a secured credit card, making all payments on time, and keeping credit utilization low. It is important to note that not all debts are dischargeable in bankruptcy. Student loans are generally not dischargeable unless the debtor can prove undue hardship through a separate adversary proceeding. Most tax debts, child support obligations, alimony, and debts arising from fraud or intentional harm also survive bankruptcy. A Manchester bankruptcy lawyer can provide guidance on which debts will be eliminated and which will remain after the case concludes.
Frequently Asked Questions
What New Hampshire exemptions apply to my home and car in a Manchester bankruptcy case?
New Hampshire law allows you to exempt up to $120,000 of equity in your primary residence, or up to $200,000 if you are 62 or older or disabled. For vehicles, you can exempt up to $4,000 of equity in one motor vehicle. You may choose between New Hampshire state exemptions or federal exemptions, but you cannot combine them. A bankruptcy lawyer in Manchester will help you select the exemption system that protects the most of your property.
How much does it cost to hire a bankruptcy lawyer in Manchester, New Hampshire?
Attorney fees for a Chapter 7 case in Manchester typically range from $1,200 to $2,500, while Chapter 13 fees range from $3,000 to $5,000. The court filing fee is $338 for Chapter 7 and $313 for Chapter 13. Many lawyers offer installment payment plans for their fees before filing, and fee waivers for the court filing fee are available for low-income Chapter 7 filers. Pro bono assistance may be available through New Hampshire Legal Assistance for those who qualify.
What is the timeline for a bankruptcy case in New Hampshire from filing to discharge?
A Chapter 7 case in Manchester typically concludes within four to six months after filing. The process begins with a mandatory credit counseling course taken within 180 days before filing, followed by the filing of the petition and a meeting of creditors (341 meeting) about 30 to 40 days later. A Chapter 13 case involves a repayment plan lasting three to five years, with discharge granted after all plan payments are completed. All debtors must complete a debtor education course after filing to receive a discharge.