Unable to pay your bills? Worried about repossession, foreclosure, eviction? The Law Office of Timothy P. Smith in Manchester, New Hampshire, is dedicated to helping individuals such as yourself achieve a fresh financial start. My practice is limited to bankruptcy law and focuses on consumer cases, both Chapter 7 and Chapter 13. I provide quality representation at a reasonable cost. If unpaid bills and overwhelming debt have brought your life to a standstill, please contact me for a FREE initial consultation.
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Tim Smith came highly recommended to me, and I was not let down. If you need to file for bankruptcy, Tim is the man to call, it's as simple as that. Based on my experience with him, he knows the process, the system, the law, and how to get it done efficiently and without hassle or humiliation. I highly, highly recommend Tim if you find yourself considering bankruptcy.
There are two types of bankruptcy for which consumer debtors may file; these proceedings are outlined in Chapter 7 and Chapter 13 of the Bankruptcy Code. The basic premise of Chapter 7 is that you surrender your non-exempt assets in return for a discharge of your debts. Most consumer debtors do not lose any assets as a result of filing Chapter 7 because of the exemptions provided by the code itself or the State of New Hampshire.
A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems. This booklet cannot explain every aspect of the bankruptcy process. If you still have questions after reading it, you should speak with an attorney familiar with bankruptcy.
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