Should I File Bankruptcy

If three or more of the following apply to you, you should consult a bankruptcy attorney now. If more than five of the following apply to you, you probably should have seen one months ago! See also our other page Bankruptcy Alternatives.

_____        My debt is over $5000 not including a car or house.
_____        I am frequently late on payments.
_____        I buy necessary items like food or clothing, on credit.
_____        I am thinking about getting a loan to pay other loans.
_____        Collection agencies are calling me.
_____        I make payments, but my balances don’t go down.
_____        Payments are over 1 month behind on more than one bill.
_____        I can’t afford car insurance.
_____        We are getting divorced and have too many bills to pay.
_____        There is a wage garnishment on my check.
_____        My car is worth much less than I owe.
_____        My payments are over 25% of my take home pay.
_____        I pay 20% interest on my debt.
_____        I frequently get cash advances.
_____        Someone has filed a lawsuit against me.
_____        I am “robbing Peter to pay Paul.”
_____        I have been turned down for more credit.
_____        My drivers license is suspended because of an accident.
_____        My mortgage or rent is always late.
_____        I have high medical bills that weren’t paid by insurance.
_____        I owe income taxes I can’t pay now.
_____        I have no savings.

David S. Osterman 603-626-5452

We remain open during the COVID-19 crises. Under these circumstances, it's even more important that we remain available to our clients. 
We welcome in-person appointments with vaccinated clients at our office on Hanover Street in Manchester. If you ae not vaccinated we prefer Zoom or Facetime conferences, but if it’s important to you, we will meet at our office. We do ask the unvaccinated to please wear a mask.
We are in the Daily Mirror building. Call 603-626-5452