Discharging Debt

How to Discharge Debt in New Hampshire

Offering You Nearly 25+ 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 25+ 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?

The 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 and letters.

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.

With a 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 after filing.

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

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.

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.

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