Often called the "Fresh Start" or "Clean Slate" bankruptcy, it is a filing for individuals and businesses that discharges most if not all unsecured debt (credit cards, medical bills, unsecured loans) and under certain conditions allows the person to keep their home and other exempt property. It allows for all exempt property to be kept by the filer, typically the home, a vehicle and other items that are essential for the person to maintain the family. It is the most utilized Chapter in the bankruptcy code.

Major changes were made to the code in 2005 requiring all debtors to qualify under the "Means test". If your total household income during the six full months prior to the month of filing exceeds the IRS- determined median income, you could be compelled to proceed under chapter 13. I can make it work for you.

Who is Best Suited for Chapter 7 Filing
Generally this is the best avenue of relief for people that have suffered a loss of income, have high unsecured debt such as credit cards, medical bills or other loans that are not secured by property. and low assets and equity in their home.

I can provide a detailed analysis of your situation as soon as we can talk about it. I believe I can answer most of your questions over the phone, but if you are more comfortable talking in person, we can meet at your home or office, or at one of my several conference rooms across New Hampshire.

Before we can file your petition the following steps must be completed: First, we will need to sign the retainer agreement after we agree on terms that will work for both of us. Second, the electronic checklist must be completed.  Third, the Consumer Credit Counseling course must be successfully completed. If you prefer, we can meet to manually complete the checklist. In that event, please gather all of your bills, and statements and bring them to our meeting.

Should you decide to proceed, please fax or email to me a copy of your most recently filed tax returns, pay stubs (profit/loss records) for the past six full months and current month to date, proof of insurance on the house and cars, bank statements for the past 90 days, and evidence of the fair market value of the house, and the most recent mortgage statement. Please also include any court notices and collection notices, including foreclosure so that I can make sure that all actions against you will be stopped.

Once I receive the completed “BR Quicksheet Intake” form, there will be two emails in addition to this one. One of them is a link to the Consumer Credit Counseling course. The completion of this course is a prerequisite to filing a bankruptcy petition. It takes about 1 hour and can be done online or over the phone. The other is a link to the electronic checklist.  Please complete each section in the electronic checklist thoroughly so that all of the concerns of the Trustee will be addressed.

The entire process is actually quite smooth and can be accomplished in as little as one day if necessary. Please let me know if you have any questions, and how and when you want to proceed.

Chapter 7 of the United States Bankruptcy Code

P.O. Box 357, New Boston NH 03070-0357

Ph: 603-741-0411, Fax: 603-250-0822, Email: WeAreLaw@me.com

Robert L. O'Brien,

Attorney at Law

Please note that I am a debt relief agency. I help people file for bankruptcy relief under the U.S. Bankruptcy Code.

All information on this website is for advertising and general information purposes only. Nothing on this website should be construed as legal advice or an agreement to provide legal services. This law firm will not be deemed to have engaged in an attorney-client relationship without a written agreement between this lawyer and any potential client.