For over 30 years, our bankruptcy lawyers have been assisting fellow community members throughout New Hampshire who have fallen on difficult financial times. At the law offices of Parnell, Michels & McKay, our bankruptcy attorneys can help you navigate the bankruptcy process and protect what’s important to you. Your attorney will make sure you get the most out of your discharge so that you can move on with a clean financial slate. In addition, your attorney will help enforce the discharge if creditors try to circumvent it.
At Parnell, Michels & McKay, our bankruptcy attorneys handle two primary filing options under the bankruptcy laws: Chapter 7 Bankruptcy and Chapter 13 Bankruptcy. Each option offers clients benefits under its protections, can offer immediate relief and provide an opportunity for a fresh start. Our bankruptcy clients can often stop foreclosure and repossession proceedings by protecting their home, cars, and other assets from creditors’ attachments and/or seizures. By filing bankruptcy you can also stop creditor phone calls, lawsuit attachments against your home, court actions, foreclosures, repossessions, and wage garnishments.
After thorough review of the facts of your situation, your bankruptcy lawyer will determine whether you might qualify for Chapter 7 or whether you should file Chapter 13. Rest assured, our experienced lawyers at the law firm of Parnell, Michels & McKay can anticipate and plan for any roadblocks in your specific case.
How We Can Help
At Parnell, Michels & McKay, offer you extensive resources and a long list of services to satisfy the needs of our clients.
- Our firm brings 40 years of combined experience to our relationships with our clients.
- The attorneys at Parnell, Michels & McKay are committed to helping you face your legal matters head on with honest, straightforward advice and experienced legal representation.
- We are a results oriented law firm and strive to ensure a positive, overall experience for our clients through exceptional customer service.
Once it becomes clear that a bankruptcy filing should take place, the question of the best time to file arises. Our bankruptcy lawyers carefully assess the factual and legal issues of your case to ensure the best possible outcome.
Chapter 7 Bankruptcy
Chapter 7, also called straight (liquidation) bankruptcy, is the most common type of bankruptcy in the U.S. This type of bankruptcy is may be a good option when you have too much debt or have too many creditors for debt settlement. Additionally, some of your assets can be protected under this type of bankruptcy agreement.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy is the second most popular form of personal bankruptcy, second only to Chapter 7. If you are being pestered by debt collectors, have a steady income and assets, and the equity in your home is not protected by filing Chapter 7 bankruptcy, then Chapter 13 bankruptcy might be a good option to explore with your bankruptcy attorney.
Chapter 13 generally ideal for:
- Individuals who have fallen behind on mortgage payments
- Individuals who need time to repay taxes
- People who want to protect their homes from foreclosure
- Consumers who are being crushed beneath the burden of credit card debt
If you are eligible, filing for bankruptcy can be an effective solution that can wipe out more of your debts. Our attorneys will personally guide you through the entire process, helping you navigate the various laws, exemptions, and other aspects of your case.
Our bankruptcy lawyers also assist creditors who have had their customers or vendors file a business or personal bankruptcy. In addition, we often work with client’s whose former spouses have filed bankruptcy to assess their options and guide them through the process.
With Parnell, Michels & McKay, you’ll have an experienced lawyer on your side advocating for your financial interests every step of the way.
Start With A Consultation
Our legal team is committed to helping clients in Londonderry and throughout New Hampshire, navigate the legal complexities and get the result they deserve. Our bankruptcy attorneys have a proven track record, and concentrate on understanding your ultimate goals to formulate the best options for achieving them. We give personal attention and listen carefully to each client’s case and are committed to the highest standards of moral and ethical conduct, while vigorously and effectively representing our clients’ best interests.
The experienced bankruptcy attorneys of Parnell, Michels & McKay, have over three decades of bankruptcy case filings. We know the courts, the judges, and the creditors. We can help you protect your important property and wipe your financial slate clean. With us, you will have direct access to your attorney. We respond promptly to phone calls and emails and keep you informed throughout the entire process. Contact us today by calling (603) 434-6331. You can also send us a message or text us through our website.