How to Discharge Debt in New Hampshire
Offering You Nearly 20 Years of Experience
Are you contemplating filing for bankruptcy and curious about the bankruptcy
discharge? What is it and how does it help you eliminate debt? My name
is Attorney Bryan W. Clickner and as a New Hampshire bankruptcy lawyer with
nearly 20 years of experience, I am qualified to provide you with the answer to this question and any
other question you may have about the bankruptcy process. I am passionate
about helping people become debt free and I would be happy to explain
how the bankruptcy discharge works and why it is such a valuable tool.
What is the bankruptcy discharge?
bankruptcy discharge releases the debtor from any personal liability towards specific
types of debts. Once a debt has been "discharged," the debtor
is no longer legally required to pay the debt. The discharge is a permanent
order that prohibits creditors from taking
any form of legal action on a discharged debt, and this includes phone calls
The timing of a discharge depends on which Chapter of bankruptcy the debtor
files under. In a
Chapter 7 case, the discharge is typically granted approximately 60 days following
the 341 meeting, about four months after the date that the debtor files
their bankruptcy petition.
Chapter 13 case, the court grants the discharge once the debtor completes all of
their payments under the plan. Since Chapter 13 plans provide for payments
to be made over 3 to 5 years, the average discharge occurs four years
Are all debts discharged?
No, not all debts are discharged, and the dischargeable debts vary under
each Chapter of the Bankruptcy Code. Generally speaking, the types of
debts that cannot be discharged in bankruptcy include:
- Child Support
- Spousal Support/Alimony
- Debts to Government Units
- Student Loans
- Court-Ordered Fines
- Victim Restitution
- Debts for Willful or Malicious Injuries to Persons or Property
- Certain Types of Tax Claims
Call a New Hampshire Bankruptcy Attorney
To learn more about the bankruptcy discharge, I urge you to
contact me at Bryan W. Clickner, Attorney at Law, PLLC. In a free
case evaluation, I can review the specifics of your case, answer your questions and help
you determine if you would benefit from filing for bankruptcy.
Bankruptcy can be an excellent solution for those struggling with overwhelming
debt and with the proper tools, it is possible to rebuild one's credit
within a few short years following a bankruptcy discharge, which is one
of the most appealing aspects of bankruptcy.
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