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Credit Card Debt Consolidation Help  in New Hampshire
Call Today: (877) 274-1260
If you successfully complete our program, it’s possible that you’ll enjoy these benefits:
Settle your debts for less than you owe
  (read here for full details about how much you can expect to save)
Resolve your unsecured debts in 18 to 60 months
  (read here for full details on how long our program lasts)
No Up Front Fees - Don't Pay Till You See Results!
 
 
 
New Hampshire  Debt Relief
Debt settlement, also known as debt negotiation and debt reduction, is the process by which we negotiate and settle a debt for a reduced amount on behalf of a client. When successful, it is possible that Franklin Debt Relief can settle their debts for less than what is owed, all with the convenience of one low program payment. The savings from our debt settlement program can potentially be tremendous versus making your minimum payments, and it is in some cases the cheapest and fastest debt relief, debt consolidation or debt help option available to New Hampshire consumers.

If you're overwhelmed with credit cards, medical bills, balances from a repossession, or accounts in collections, call for a free consultation: (877) 274-1260.
 
Pertinent New Hampshire  Debt Relief and Debt Help Laws
(This is intended to be a helpful and informational debt resource for New Hampshire consumers and does not constitute legal advice. For legal advice about your situation, contact a licensed professional in New Hampshire.)

Debt Collection

New Hampshire (NH) follows the set of federal laws dealing with collection agencies (and law firms that collect debts) that are collectively known as the Fair Debt Collection Practices Act (FDCPA). For more information on the FDCPA follow this link: debt collection.

-Original creditor or creditor collecting own debt must comply with all the provisions of the FDCPA, except those provisions dealing with required disclosures. (For example, the original creditor does not have to verify the debt's validity).
-Original creditor and debt collector cannot:
-communicate with third parties about debt except for those that live in the debtor's household, including spouses unless to locate a debtor. Prior to communication with spouse, collector must have been unable to locate the debtor for at least 30 days, and they cannot contact this person more than once.
-call debtor at work more than once a month unless debtor agrees in writing to more frequent calls
-send more than one mailing to debtor at place of employment provided that collector has otherwise been unable to locate debtor

New Hampshire Debt Law

Maximum Interest Rate a Collection Agency Can Charge in New Hampshire: 10%

New Hampshire Wage Protection: 50 times the federal minimum hourly wage per week

Statute of Limitations

A statute of limitations is a law that sets forth the maximum period of time, after certain events, that legal proceedings based on those events may be initiated. For debt, the statutes of limitation apply to the maximum period of time after a consumer has become delinquent on their payments. The key point to remember is that you are considered delinquent not from the date of your last payment, but rather the day after you have gone past due. In other words, if you made your last payment on 3/3/03 and your next payment was due the same day of the next month, the statute of limitations on the debt would not start running until 4/4/04. The statutes of limitations vary from state to state and depend on the type of debt and where the original transaction took place (i.e. if you took the loan out in California but currently live in New Hampshire, the applicable statutes of limitations would be California's.)

Oral Agreements: 3 years
Written Contracts: 3 years
Promissory Notes: 3 years
Open Accounts (credit cards): 3 years

Bankruptcy Courts

1000 Elm St., Suite 1001
Manchester, NH 03101

Bankruptcy Exemptions

Federal bankruptcy exemptions are available. Bankruptcy exemptions are protected assets that the bankruptcy code mandates that a debtor is entitled to keep in order to adequately get a "fresh start" after filing. Bankruptcy exemptions vary from state to state, and the following list is the property that is protected in the bankruptcy code of New Hampshire. For more information, follow this link: bankruptcy exemptions.



Real Estate, Auto, Personal Property

-Real property or manufactured housing you occupy and the land it's on if you own it up to $100,000
-Motor vehicle to $4000
-$1000 of any property
-Beds, bedding, cooking utensils
-Burial plot, lot
-Church pew
-Clothing
-Cooking and heating stoves, refrigerator
-Domestic fowl to $300
-Food and fuel to $400
-Furniture to $3500
-Jewelry to $500
-Proceeds for lost or destroyed exempt property
-Sewing machine
-1 cow, 6 sheep, and their fleece, 4 tons of hay
-1 hog or pig or its meat (if slaughtered)

Insurance

-Firefighters' aid insurance
-Fraternal benefit society benefits
-Homeowners' insurance proceeds to $5000

Public Benefits

-Aid to blind, aged, disabled and other public assistance
-Unemployment compensation
-Workers' compensation

Pensions

-ERISA-qualified retirement accounts (IRAs and Roth IRAs)
-Federally created pension (only benefits building up)
-Firefighters
-Police officers
-Public employees

Tools of Trade

-Tools of your occupation to $5000
-Uniforms, arms, and equipment of military member
-Yoke of oxen or horse needed for farming or teaming

Other

-Jury, witness fees
-Property of business partnership
-Wages of minor child
 
 
 
 
 

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