If you are reading this, you likely have been worried about your financial troubles. You may be contemplating filing for personal bankruptcy and are not sure if you need to file for chapter 7 bankruptcy, chapter 11 or chapter 13. You are not alone. Thousands of New Hampshire residents just like you have found themselves in a position of overwhelming debt and have explored whether bankruptcy was a viable option to resolving their financial crisis.
Though we have not met, here is what I know. You worked hard, paid your bills and built up your credit score, and then something happened. You or your spouse lost a job or got divorced. A family member got cancer, or you had an accident and could not work. Now you find yourself in a financial mess, and bankruptcy looks like your best option. Don't feel embarrassed; you are not the first to file bankruptcy. Because bad things happen to good people, Congress passed the bankruptcy laws. These laws can forgive some or all your personal debt to help you start over.