Helping You Get Debt Relief Through Bankruptcy

Debt can spiral out of control with surprising speed. And once it gets out of control, there seems to be no stopping it, thanks to absurdly high interest rates and massive late fees. Thankfully, there is one way that may help you overcome your debt problem and regain control of your finances: bankruptcy.

Bankruptcy is often painted in a negative light, but it was designed because of the reality that people can become overwhelmed by debt through no fault of their own and there needs to be a way to deal with it. It was designed to help people, not hurt them. Filing bankruptcy is not a bad thing. It does not permanently ruin your credit or your life. It eliminates debt.

More Than 25 Years Of Bankruptcy Experience

At Howie Law Office, PLLC, we have been helping people overcome debt through bankruptcy since 1992. We have helped people throughout New Hampshire and Massachusetts get out from under credit card debt, medical debt and other kinds of debt.

Bankruptcy is very powerful and can be used to:

  • Stop foreclosure
  • Stop repossession
  • Stop wage garnishment
  • Stop creditor harassment

As soon as you file, an automatic stay will take effect. This prevents your creditors from taking any action against you while the bankruptcy is in progress. They cannot call you. They cannot garnish your wages. They cannot repossess your car or foreclose on your home.

Which Type Of Bankruptcy Is Right For You?

There are two kinds of bankruptcy. The most common is Chapter 7. With this type of bankruptcy, you can discharge your debt and get a fresh start. Chapter 13 is also an option. This is known as the wage-earner bankruptcy. It involves creating a plan to pay off your debt in monthly installments over the course of three to five years. Our attorneys will carefully review your situation and help you determine the type of bankruptcy that is right for you.

Contact Us About Overcoming Your Debt

Ready to talk about debt relief? Our lawyers are ready to help you achieve it. We have a law office in Salem, New Hampshire, which you can reach at 603-893-8008. We also have offices in Andover and Woburn, Massachusetts, and you can reach either at 978- 853-0982. You can also get in touch with any of our offices by email.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.