New Hampshire Bankruptcy Means Test Calculator :: See if you qualify for bankruptcy in New Hampshire

- Basics
Bankruptcy Basics

- 122 - - - 2020-07-16 - 2021-10-02 15:29:07 - 3 An Overview of Chapter 7 Bankruptcy
How Chapter 7 Bankruptcy Works
How Chapter 7 bankruptcy can help you cancel your debts, protect your exempt property, and stop bill collectors.
- 134 - - - 2020-07-14 - 2021-10-01 16:01:48 - 3 Kinds of bankruptcy
What are the different kinds of bankruptcy?
This site focuses on Chapter7 and Chapter 13. But there are also chapters 11, 12, 9, and 15
- 140 - - - 2020-07-27 - 2021-09-30 12:59:26 - 3 A to Z Bankruptcy Terms
Glossary of Important Bankruptcy Terms
From Adversary proceeding to Wage garnishment
- 139 - - - 2020-07-14 - 2021-04-28 07:00:29 - 3 Qualifying for Chapter 7
Do I qualify for bankruptcy?
To qualify for Chapter 7 bankruptcy, you must pass the means test, which compares your household income to the median income in your state for a household your size.
- 133 - - - 2020-07-16 - 2021-04-28 07:00:09 - 3 Unsecured debts vs Secured Debts. Why it matters
Secured debt vs. unsecured debt: What's the difference?
Bankruptcy helps you get rid of unsecured debt. It does not eliminate secured debts, where you have pledged collateral for a loan, such as a car loan or a mortgage. When you file bankruptcy you must declare what you intend to do about your secured debts.
- 137 - - - 2020-07-17 - 2021-04-28 07:00:46 - 3 You Can File Bankruptcy without a lawyer
Do I need a lawyer to file for bankruptcy?
The law does not require to have a lawyer, and if your case is simple and you have few assets, you can successfully file a Chapter 7 bankruptcy yourself. Chapter 13? Not so much. And if you have property to lose, or you're not great with details, getting a lawyers help can be a good idea, no matter what kind of bankruptcy you're filing. Also a lawyer may find ways to help that you haven't' thought of
- 138 - - - 2020-07-17 - 2021-04-28 07:01:14 - 3 What Court Do I Use to File Bankruptcy?
Where do I file for bankruptcy?
Bankruptcy is federal law and you file in the local Federal District Bankruptcy Court. Find out yours.
- 135 - - - 2020-07-17 - 2021-04-28 07:01:27 - 3 Free bankruptcy forms
Can I get free bankruptcy forms?
The US government makes PDF bankruptcy forms available for free. We'll tell you which ones you need and links to download them.
- 136 - - - 2020-07-27 - 2021-04-28 07:01:46 - 3 Asset Protection in Bankruptcy
What are bankruptcy exemptions?
Asset protection is an important benefit of bankruptcy. Exemption laws are the laws that let you protect certain assetss from creditors. Every state has different exemptions. Some states allow you to use the federal exemptions.
- 126 - - - 2020-07-27 - 2021-10-01 16:37:21 - 3 You must take approved "Credit Counseling" class before you file
Do I have to get credit counseling before I file for bankruptcy?
Yes. You must complete a credit counseling course before you file your bankruptcy petition. Fortunately, it's easy and can be done online. And your case cannot be completed (i.e. you can't get your "discharge order" from the judge until you take a "Debtor Education" course.
- 132 - - - 2020-10-02 - 2021-04-28 07:02:13 - 3 The Creditors Meeting - What You Need to Know
What is a 341 hearing (creditors meeting)?
Everyone who files for bankruptcy must attend a 341 hearing, which is also called a "creditors meeting." The meeting is conducted by the bankruptcy trustee assigned to your case. During the Coronavirus, it. can be done by phone.

- Filing
How to File Bankruptcy in your state

- 119 - - - 2020-06-23 - 2020-12-27 15:08:14 - 3 Ten Steps to Discharging Your Debts in Bankruptcy
How to File for Chapter 7 or Chapter 13 Bankruptcy
Steps for filing bankruptcy in your state, from learning whether you qualify, to completing and filing bankruptcy forms, to discharging your debts and getting on with your life.
- 121 - - - 2020-06-23 - 2020-12-27 15:11:38 - 3 What Kind of Bankruptcy Do I Qualify For?
Do I Qualify for Bankruptcy? Bankruptcy Means Test Standards for My County
A mathematical formula—called the means test—determines whether you qualify for Chapter 7 Bankruptcy in your state.
- 120 - - - 2020-07-14 - 2020-10-21 23:37:29 - 3 Is Bankruptcy Right for You?
Alternatives to Filing for Bankruptcy
If your creditors will negotiate, if bankruptcy can't cancel most of your debts, or if you're truly broke, bankruptcy may not be the best solution for you. Here's how to decide.
- 123 - - - 2020-06-23 - 2020-10-21 23:38:45 - 3 An Overview of Chapter 13 Bankruptcy
How Chapter 13 Bankruptcy Works
You can use Chapter 13 bankruptcy to get out from under the burden of your debts, protect important property, and stop bill collectors.
- 124 - - - 2020-07-16 - 2021-01-30 03:53:51 - 3 State Bankruptcy Costs
How Much Does It Cost to File for Bankruptcy?
Tips for keeping bankruptcy costs down, from court filing fees to mandatory counseling costs to getting legal help.
- 125 - - - 2020-07-16 - 2020-10-21 23:39:59 - 3 Find Federal Bankruptcy Courts Serving your county
Where to File for Bankruptcy
Most people file for bankruptcy in the federal district court closest to where they've lived for the past six months.
- 957 - - - 2021-09-30 - 2021-10-01 16:30:27 - Select Author What is a "bankruptcy trustee" and what do they do?
Working With the Bankruptcy Trustee
Filing for bankruptcy means that you'll be dealing with a "bankruptcy trustee" who will be assigned to handle your case. The trustee's job is to gather all non-exempt property you own, to be sold and distribute the proceeds to your creditors.
- 956 - - draft - 2021-09-07 - 2021-10-01 16:53:14 - Select Author Gathering Records Before You File
What Forms and Paperwork Do I Need To Gather Before I File Bankruptcy?
For some people, the biggest challenge in filing bankruptcy is gathering all the financial paperwork and forms that the bankruptcy court requires, that document your income, expenses, and debts.
- 881 - - - 2021-04-27 - 2021-04-28 14:02:50 - 3
Bankruptcy FAQ

- Means Test
Means Test Calculator for Your County

- 798 - - - 2020-11-27 - 2021-10-04 17:23:37 - 3
Means Test Calculator for Your County
The Means Test Calculator is an automated version of the official three-part test form. Just choose your zip code, and the calculator applies the relevant state median income and county living standards, based on the number of persons in your household, your marital status and what county you live in.
- 713 - - - 2021-05-15 - 2021-09-28 13:54:19 - 3 Is Your Household Income Below your state’s Median?
Median Income Update May 15, 2021 - For Bankruptcy Means Test Test for Bankruptcy Means Test
The means test initially looks to see if your household income is above or below median for a household your size in your state.
- 714 - - - 2020-08-25 - 2020-08-26 03:48:27 - 3 The Means Test, Line By Line
Means Test Calculator Table of Contents
The means test spans three forms and more than 50 questions about your income and expenses. Here's a line by line TOC with direct links to our Means Test Calculator.
- 883 - - - 2021-04-30 - 2021-05-01 01:14:11 - Select Author What is the means test, and do I need to worry about it?
Means Test FAQ
The bankruptcy means test was added to US bankruptcy law in 2005 as part of the credt-card-industry sponsored bankruptcy law to weed out so-called "bankruptcy-abusers" -- hence the language about a "presumption of abuse" (just to make you feel extra ashamed for exercising your right to bankruptcy!).
- 927 - - - 2021-04-30 - 2021-10-19 17:16:45 - 14 What the U.S. Trustee Thinks About Each Line of the Means Test
Line by Line Help for the Bankruptcy Means Test
The official position of the U.S. Trustee's office of how to interpret issues arising in each line of the means test.
- 712 - - - 2020-08-17 - 2021-09-28 14:38:33 - 3
Income and Expense Standards - your county, your state - For Bankruptcy Means Test - For Cases filed on or After May 15, 2021

- MT FAQ
Means Test FAQ

- 40 - - - 2020-07-27 - 2021-05-01 01:15:19 - 3 What is the Bankruptcy Means Test
What Is the Means Test?
The 2005 Bankruptcy Law (BAPCPA) created the means test, ostensibly to prevent people from abusing bankruptcy. The means test mans you can't file for Chapter 7 bankruptcy if your income is above the median income for your state, or your allowed expenses leave enough disposable income to fund pay some of your debts over 5 years. In fact, most people who file for Chapter 7 bankruptcy have no trouble passing the means test.
- 49 - - - 2020-08-25 - 2021-05-01 01:48:14 - 3 US Trustees office positions on the Means Test
Line by Line Means Test Positions of the U.S. Trustee 4/23/2010
This summarizes the opinion of the United States Trustee Program (USTP) on issues that arise under each line of the means test. These statements are not the last word on the law. They're just how the trustees office interprets the law.
- 41 - - - 2020-08-25 - 2021-05-01 01:17:57 - 3 Can I skip the Means Test?
Do I Need to Complete the Means Test?
You can't skip the means test, but it may be very quick, if your income is below the median income for your state.
- 45 - - Draft - 2020-08-06 - 2021-09-21 18:01:21 - 3
Other Noteworthy Calculators on the Web
- 42 - - - 2020-08-25 - 2021-05-01 01:18:20 - 3
How Long Does The Means Test Take?
The means test can be completed very quickly if your average income for the past six months is below the state median. It takes a bit longer if your income is above the state median. But it can easily be completed in under an hour, regardless.
- 43 - - - 2020-08-25 - 2021-05-01 01:18:02 - 3 How many people in your household, for Means Test purposes.
How is "Household Size" Defined in the Bankruptcy Median Income Test?
How many people are in your "household?" The issue can be tricky if you have roomates, or children who only live with you part time. Courts have ruled on lots of issues arising under this question.
- 44 - - - 2020-08-25 - 2021-05-01 01:18:07 - 3 Household income and Contributions of Roomates
Contributions of Roommates or Domestic Partners to Household Income
Household income includes payments from roommate, partner, parent, or relative, regardless of whether living with you. Here's the details
- 820 - - - 2020-09-23 - 2021-05-01 01:18:08 - 3
Median Income Test Notes
- 46 - - - 2020-08-26 - 2021-05-01 01:18:10 - 3 You Still Be Barred from Filing Chapter 7 Even if You Pass The Means Test
If I Pass the Means Test, Can I still be barred from filing bankruptcy?
A judge can still bar you from filing Chapter 7 bankruptcy if the "totality of the circumstances" under707(b)(3) make it appear you are "abusing" the process.
- 47 - - - 2020-08-26 - 2021-05-01 01:18:12 - 3 Special Circumstances may allow you to file Chapter 7 Even If You Fail the Means Test
If I fail the Means Test, can a judge allow me to file anyway?
If you fail the means test you can still claim "special circumstances." Possible "special circumstances" are job loss or pay cut, a serious medical condition, or unusually high child care expenses. You must be able to produce proof of your expenses and that your expenses are reasonable -- and that you have no reasonable alternative.
- 48 - - - 2020-08-25 - 2021-05-01 01:18:15 - 3 Priority Claims
What are "priority claims"?
Priority claims are debts that must be paid before all other debts. They include alimony, child support, wages you owe to workers, and unpaid taxes.

- MT Line by Line
Means Test- Line by Line

- 889 - - - 2021-04-30 - 2021-07-27 20:19:50 - Select Author
Form B 122A-1, Line 1, Filing Status
- 890 - - - 2021-04-30 - 2021-07-27 20:19:31 - Select Author
Form B 122A-1, Line 2, Gross wages, salary, tips, bonuses, overtime, commissions.
- 894 - - - 2021-04-30 - 2021-07-27 20:20:00 - Select Author
Form B 122A-1, Line 4, Any amounts paid by another person or entity, on a regular basis, for the household expenses of the debtor or the debtor's dependents, including child or spousal support.
- 891 - - - 2021-04-30 - 2021-07-27 20:20:32 - Select Author
Form B 122A-1, Lines 5 & 6, Business and real property income and expenses.
- 892 - - - 2021-04-30 - 2021-07-27 20:20:50 - Select Author
Form B 122A-1, Line 7, Interest, dividends, and royalties
- 895 - - - 2021-04-30 - 2021-07-27 20:21:01 - Select Author
Form B 122A-1, Line 8,Unemployment compensation.
- 893 - - - 2021-04-30 - 2021-07-27 20:21:24 - Select Author
Form B 122A-1, Line 9, Pension and retirement income.
- 897 - - - 2021-04-30 - 2021-07-27 20:21:39 - Select Author
Form B 122A-1, Line 10, Income from all other sources.
- 898 - - - 2021-04-30 - 2021-07-27 20:21:47 - Select Author
Form B 122A-1, Line 13, Applicable median family income.
- 886 - - - 2021-04-30 - 2021-07-27 20:21:57 - Select Author
Form B 122A-1Supp, Line 1, Declaration of Non-Consumer Debts
- 884 - - - 2021-04-30 - 2021-07-27 20:22:09 - Select Author
Form B 122A-1Supp, Line 2, Declaration of Disabled Veterans
- 887 - - - 2021-04-30 - 2021-07-27 20:22:22 - Select Author
Form B 122A-1Supp, Line 3, Declaration of Reservists and National Guard Exclusion
- 899 - - - 2021-04-30 - 2021-07-27 20:22:31 - Select Author
Form B 122A-2, Line 3, Marital adjustment.
- 900 - - - 2021-04-30 - 2021-07-27 20:22:39 - Select Author
Form B 122A-2, Line 6, National Standards: food, apparel and services, housekeeping supplies, personal care, and miscellaneous.
- 901 - - - 2021-04-30 - 2021-07-27 20:22:48 - Select Author
Form B 122A-2, Line 7, National Standards: health care.
- 902 - - - 2021-04-30 - 2021-07-27 20:22:56 - Select Author
Form B 122A-2, Line 8, Local Standards: housing and utilities; non-mortgage expenses.
- 903 - - - 2021-04-30 - 2021-07-27 20:23:07 - Select Author
Form B 122A-2, Line 9, Local Standards: housing and utilities, mortgage/rent expense.
- 905 - - - 2021-04-30 - 2021-07-27 20:23:21 - Select Author
Form B 122A-2, Lines 11, 12, 13, 14, 15, Local Standards: transportation, vehicle operation/public transportation expense.
- 908 - - - 2021-04-30 - 2021-07-27 20:23:30 - Select Author
Form B 122A-2, Line 13, Local Standards: transportation ownership/lease expenses.
- 907 - - - 2021-04-30 - 2021-07-27 20:23:42 - Select Author
Form B 122A-2, Line 15, Local Standards: transportation, additional public transportation expense.
- 909 - - - 2021-04-30 - 2021-07-27 20:23:51 - Select Author
Form B 122A-2, Line 16, Other Necessary Expenses: taxes.
- 910 - - - 2021-04-30 - 2021-07-27 20:24:03 - Select Author
Form B 122A-2, Line 17, Other Necessary Expenses: involuntary deductions for employment.
- 913 - - - 2021-04-30 - 2021-07-27 20:24:24 - Select Author
Form B 122A-2, Line 19, Other Necessary Expenses: court-ordered payments.
- 914 - - - 2021-04-30 - 2021-07-27 20:24:35 - Select Author
Form B 122A-2, Line 20, Other Necessary Expenses: education for employment or for a physically or mentally challenged child.
- 916 - - - 2021-04-30 - 2021-07-27 20:25:04 - Select Author
Form B 122A-2, Line 22, Other Necessary Expenses: health care.
- 917 - - - 2021-04-30 - 2021-07-27 20:26:02 - Select Author
Form B 122A-2, Line 23, Other Necessary Expenses: telecommunication services.
- 918 - - - 2021-04-30 - 2021-07-27 20:25:53 - Select Author
Form B 122A-2, Line 25, Health Insurance, Disability Insurance, and Health Savings Account Expenses.
- 919 - - - 2021-04-30 - 2021-07-27 20:26:12 - Select Author
Form B 122A-2, Line 26, Continued contributions to the care of household or family members.
- 920 - - - 2021-04-30 - 2021-07-27 20:26:27 - Select Author
Form B 122A-2, Line 27, Protection against family violence.
- 921 - - - 2021-04-30 - 2021-07-27 20:26:38 - Select Author
Form B 122A-2, Line 28, Home energy costs.
- 912 - - - 2021-04-30 - 2021-07-27 20:26:53 - Select Author
Form B 122A-2, Line 29, Education expenses for dependent children under 18.
- 922 - - - 2021-04-30 - 2021-07-27 20:27:02 - Select Author
Form B 122A-2, Line 29, Education expenses for dependent children under 18.
- 906 - - - 2021-04-30 - 2021-07-27 20:27:15 - Select Author
Form B 122A-2, Line 30, Additional food and clothing expense.
- 896 - - - 2021-04-30 - 2021-07-27 20:27:23 - Select Author
Form B 122A-2, Line 31, Continued charitable contributions.
- 888 - - - 2021-04-30 - 2021-07-27 20:27:32 - Select Author
Form B 122A-2, Line 33, Future payments on secured claims.
- 923 - - - 2021-04-30 - 2021-07-27 20:27:41 - Select Author
Form B 122A-2, Line 34, Other payments on secured claims.
- 924 - - - 2021-04-30 - 2021-07-27 20:27:54 - Select Author
Form B 122A-2, Line 35, Payments on prepetition priority claims.
- 925 - - - 2021-04-30 - 2021-07-27 20:28:04 - Select Author
Form B 122A-2, Line 36, Chapter 13 administrative expenses.
- 926 - - - 2021-04-30 - 2021-07-27 20:28:23 - Select Author
Form B 122A-2, Line 43, Other Expenses.

- Exemptions
State Exemption Laws

- 4 - - - 2020-07-17 - 2021-09-28 14:39:53 - 3
Bankruptcy Exemption Laws - 50 State - Free
- 839 - - - 2021-01-26 - 2021-07-27 22:06:52 - Select Author Does your state allow you to use federal exemptions?
Can I Use the Federal Exemptions in My State?
Federal bankruptcy law has its own list of exemptions 11 U.S.C. § 522, but some states require you to use only the state law exemptions instead, while other states offer a choice of the state or federal exemptions. Find out what your state does.
- 958 - - - 2021-09-17 - 2021-09-27 13:42:37 - 3 Table of State Exemptions
50 State Bankruptcy Exemption Tables - For Every State
Table of State exemptions laws that debtors can use to protect their property in bankruptcy if they file in State.
- 107 - - - 2021-03-31 - 2021-09-19 12:27:40 - 3 State Bankruptcy Exemptions
50-State Bankruptcy Exemption Summaries
A quick summary of the main exemptions under your state law.
- 822 - - - 2020-10-16 - 2021-07-27 23:03:07 - 3 Adjustments of Exemption Amounts for Inflation
Exemption Inflation Adjustments - State by State
The Federal Government adjusts Federal exemption amounts every three years. Does your state adjust exemption amounts?
- 847 - - - 2021-03-10 - 2021-03-24 16:42:55 - 3 Federal Exemptions that are not part of the bankruptcy code.
Federal Non-Bankruptcy Exemptions
Some exemptions exist under Federal law, wholly separate from the bankruptcy code, and protect such assets from the reach of creditors regardless of whether bankruptcy is at issue. These exemptions can be claimed in anyone, regardless of whether you are using state exemptions, and regardless of wheter a state has 'opted out' of the federal bankruptcy exemptions under § 522(d)..
- 963 - - draft - 2021-09-27 - 2021-09-28 18:46:53 - 3 Car or truck exemptions amounts for your state and other factors
Can I Keep My Car if I file For Bankruptcy in State?
One of the most common questions about bankruptcy is: "Will I lose my car if I file for bankruptcy?" The answer is, it depends.. on a lot of things, whether you lease or own, and if you own the car and are making payments on it, you'll need to check how much of the equity in the car is protected by exemptions allowed in your state.
- 946 - - - 2021-09-09 - 2021-10-06 17:16:52 - 3
Can CTC Payments be Garnished in My State?
The federal government Child Tax Credit (CTC) payments are subject to attachment by creditors unless protected by a state exemption.
- 959 - - - 2021-09-17 - 2021-10-05 21:48:19 - 3 Table of Federal Bankruptcy Exemptions Under §522(d)
Table of Federal Bankruptcy Exemptions Under §522(d)
Federal Bankruptcy Exemptions can be used in 20 states and the District of Columbia
- 960 - - - 2021-09-17 - 2021-09-17 12:31:19 - Select Author
Table of Federal "Non-Bankruptcy" Exemptions
- 721 - - - 2021-01-03 - 2021-09-13 14:14:48 - 3 Can I Keep My Home in Bankruptcy?
Does My State Have a Homestead Exemption? How much Is it?
How much of your home equity is protected if you file for bankruptcy in your state?
- 842 - - - 2021-03-09 - 2021-03-24 16:37:37 - 3 Life insurance, annuities, speical trusts
50 State Insurance Exemptions
Most states have exemptions for life insurance but it's important to figure out what part of the insurance is exempt.
- 846 - - - 2021-03-09 - 2021-03-24 17:30:13 - Select Author
50 State Miscellaneous Exemptions
- 722 - - - 2020-12-30 - 2021-07-28 07:06:33 - 3
50 State Motor Vehicle Exemptions & Other Personal Property
How much equity in your car or truck can you protect if you file for bankruptcy in your state?
- 845 - - - 2021-03-09 - 2021-03-18 15:12:48 - 3
50-State Pension Exemption Laws
Retirement accounts that are recognized by the IRS are exempt by law in bankruptcy up to over a million dollars. State law may provide additional protection for specific kinds of pensions, under state law.
- 841 - - - 2021-03-08 - 2021-03-18 15:10:14 - 3
50 State Public Benefits Exemptions
- 844 - - - 2021-03-09 - 2021-03-10 00:16:14 - 3
50 state Tenancy By Entirety laws
- 817 - - - 2020-08-27 - 2021-04-03 06:02:35 - 3 Tools of Trade Exemptions
50 State Tools of Trade Exemptions
Most states allow an exemption for "tools of trade or profession"... this can include tools, books, even vehicles. Sometimes can be an alternative to the motor vehicle exemption.
- 723 - - - 2020-08-26 - 2021-09-30 11:25:29 - 3 What Bankruptcy can do about wage garnishment
50 State Wage Garnishment Exemptions
Wages are protected by federal non bankruptcy law, and by state wage garnishment laws, which are generally more generous than the Federal wage garnishment protection. There are typically exceptions to this exemption for things like child support, and other priority debts.
- 843 - - - 2021-03-09 - 2021-07-28 08:04:57 - Select Author
50 State Wild Card Citations
Almost every state has an exemption for "any property" which is sometimes called the "wildcard" or "grubsteak" exemption. Generally this exemption is useful because it can be combined with other exemptions to fully protect equity that might otherwise go unprotected.
- 106 - - - 2020-07-27 - 2021-10-14 03:15:37 - 3 What Exemptions have changed in my state?
50-State Exemption Updates
If there's changes in your state’s exemptions, here's where you'll find out about them.

- BK Exemptions FAQ
Bankruptcy Exemptions FAQ

- 23 - - - 2020-08-26 - 2021-04-28 04:48:51 - 3 Protecting Your Assets in Bankruptcy: Property Exemptions
What are Bankruptcy Exemptions?
Every state has laws that designate certain types of property (your home, some personal possessions, tools of your trade) that are off-limits to "unsecured" creditors. Some states give you the option of using the Federal bankruptcy exemptions.
- 115 - - - 2020-09-22 - 2020-09-22 18:30:58 - 3 What are those citations about?
Citations to Exemptions
What do I do with those citations? Do I need them?
- 114 - - - 2020-09-22 - 2020-12-21 20:27:39 - 3 If you're going to use this information you agree to this:
Conditions of use & common sense advice before you use exemption information
By using these exemptions listing you agree to these disclaimers. it's up to you to make sure this info is accurate, up to date, and applies to you.
- 24 - - - 2020-08-26 - 2021-04-28 04:49:10 - 3 Which State Exemptions Must You Use?
Which State's Exemptions Must You Use?
If you have lived in your state for two years prior to filing, use your state's exemptions. If you've lived in your state for less than two years, the rules are more complicated...
- 111 - - - 2020-09-22 - 2020-09-22 18:33:54 - 3
Updates & Errata
- 25 - - - 2020-08-26 - 2021-04-28 04:49:26 - 3 Exceptions to Exemptions
Common Exceptions to Exemptions:
Many states exemption laws do not protect property from certain kinds of creditors claims, such as child support, taxes, and claims of secured creditors.
- 26 - - - 2020-08-01 - 2021-04-28 04:49:51 - 3 Generous protections for retirement accounts.
Special Rules for Retirement Accounts
You may be surprised to learn that you can protect over 1million dollars of assets in retirement accounts when you file for bankruptcy.
- 27 - - - 2020-08-26 - 2021-04-28 04:54:57 - 3
Insurance Exemption Glossary
Insurance exemptions use a lingo all their own and some familiarity with the jargon is essential to understanding what is exempt.
- 28 - - - 2021-01-08 - 2021-01-09 13:51:28 - 3
Other Listings of State Exemptions on the Internet
- 29 - - - 2020-08-26 - 2021-04-28 04:55:19 - 3 Eliminating Liens in Bankruptcy
How do I eliminate judicial liens on exempt property?
If there is a judicial lien on your property as a result of a court judgment against you, you may have the right to remove it if it "impairs" an exemption on the property. You must intitiate a special procedure called an "adversary proceeding." You may need a lawyer's help to do this, and you need to make ask your bankruptcy lawyer if they charge extra fees for doing this.
- 113 - - - 2020-09-22 - 2021-04-28 04:55:33 - 3
Exemptions & "Secured Debts"
- 30 - - - 2021-04-27 - 2021-07-28 19:42:41 - 3
Dealing with Secured Auto Loans in Bankruptcy

- Courts
Court Info for the New Hampshire District Bankruptcy Court

- 877 - - - 2021-04-27 - 2021-04-28 04:43:12 - Select Author Your Questions about Bankruptcy Court
Bankruptcy Court FAQ
What you need to know about how to get information you need bankruptcy court and what you're likely to encounter on court websites
- 12 - - - 2021-04-27 - 2021-04-28 04:39:30 - 3
What is CM/ECF?
- 11 - - - 2021-04-27 - 2021-07-28 00:39:30 - 3 Electronic Filing for Self Represented Debtors
Can I file electronically? Am I Required To?
Can you file online? In some courts, yes, most no. But there are other options that can allow you to file electronically if your case is simple.
- 13 - - - 2021-04-27 - 2021-04-28 04:39:50 - 3
What does "pro se" mean?
- 14 - - - 2020-10-24 - 2021-04-28 04:40:00 - 3
Will the court staff explain the filing procedure to me?
- 15 - - - 2020-12-21 - 2021-05-04 23:16:52 - 3
What is a 341 Hearing?
- 16 - - - 2021-04-27 - 2021-04-28 04:40:26 - 3
Glossary of Important Terms You're Likely to find in Court Websites
- 17 - - - 2021-04-27 - 2021-04-28 04:40:39 - 3
What does "pro bono" mean

- Forms
Free State Bankruptcy Forms - Federal and Local

- 50 - - draft - 2020-08-04 - 2020-09-24 15:35:45 - 3 New Bankruptcy Forms FAQ
What You Need To Know About Bankruptcy Forms
- 51 - - - 2020-08-04 - 2020-08-05 00:45:18 - 3 Required Forms
Required Forms & Fees
- 58 - - - 2020-08-04 - 2020-08-05 00:46:24 - 3
Basic Forms You Will Need In Any Court
- 53 - - draft - 2020-07-17 - 2020-08-05 00:59:26 - 3
Local Forms Required by New Hampshire District Bankruptcy Court
- 52 - - draft - 2020-08-04 - 2020-10-21 02:01:00 - 3 Free Bankruptcy Forms
Free PDF Downloadable Bankruptcy Forms
- 54 - - - 2020-08-04 - 2020-12-21 20:26:01 - 3
Getting Help With Forms & Filing
- 56 - - draft - 2020-08-04 - 2020-08-05 00:58:18 - 3
Free PDF Downloadable Bankruptcy Forms for Use Before 12/1/2015
- 57 - - - 2020-07-26 - 2020-10-21 01:55:56 - 3
Free PDF Downloadable Bankruptcy Forms
- 55 - - - - 2020-07-17 12:52:28 - 3
Basic Forms You Will Need in Any Court
- 60 - - - - 2020-07-17 12:52:34 - 3
Local Forms Required by the New Hampshire District Bankruptcy Court
- 59 - - - 2020-10-20 - 2021-03-16 05:23:32 - 3
Getting help with forms and filing
- 880 - - - 2021-04-27 - 2021-04-28 06:57:38 - Select Author Forms questions
Bankruptcy Forms FAQ
Your questions about bankruptcy forms

- Bankruptcy Forms FAQ
Bankruptcy Forms FAQ

- 31 - - - 2021-04-27 - 2021-04-28 06:54:25 - 3
Where can I get bankruptcy forms for free?
- 32 - - - 2021-04-27 - 2021-04-28 06:54:49 - 3
Does the court supply instructions with the bankruptcy forms?
- 33 - - - 2021-04-27 - 2021-04-28 06:55:04 - 3
What is PDF?
- 34 - - - - 2020-12-21 20:21:26 - 3
What are "fillable" PDF forms?
- 35 - - - 2021-04-27 - 2021-04-28 06:55:28 - 3
Where can I find fillable bankruptcy PDF forms for free?
- 36 - - - 2021-04-27 - 2021-04-28 06:55:46 - 3
Where can I download Acrobat Reader?
- 37 - - - 2021-04-27 - 2021-04-28 06:56:00 - 3
Where can I find free or low-cost tools for saving what I type in fillable PDFs?
- 38 - - - 2020-10-18 - 2021-04-28 06:56:16 - 3
Glossary of Bankruptcy Terminology
- 39 - - - 2021-04-27 - 2021-04-28 06:56:33 - 3
How can I get copies of my filed tax returns?

- Selected Forms
Specific Forms

- 63 - - - - 2020-07-17 12:52:38 - 3
Official Form 101, Voluntary Petition for Individuals Filing for Bankruptcy
- 64 - - - - 2020-07-17 12:52:39 - 3
Official form 101A, Initial Statement About an Eviction Judgment Against You (individuals)
- 65 - - - - 2020-07-17 12:52:41 - 3
Official form 101B Statement About Payment of an Eviction Judgment Against You (individuals)
- 67 - - - - 2020-07-17 12:52:42 - 3
Official Form 103A, Application for Individuals to Pay the Filing Fee in Installments
- 68 - - - - 2020-07-17 12:52:43 - 3
Official form 103B, Application to Have the Chapter 7 Filing Fee Waived
- 95 - - - - 2020-04-14 16:49:29 -
Official form 1040, Adversary Proceeding Cover Sheet
- 72 - - - - 2020-07-17 12:52:49 - 3
Instructions For Bankruptcy Form 106 A/B, Schedule A/B: Property (individuals)
- 75 - - - - 2020-07-17 12:52:53 - 3
Official form 106 E/F, Schedule E/F: Creditors Who Have Unsecured Claims (individuals)
- 73 - - - - 2020-07-17 12:52:50 - 3
Official Form 106C, Schedule C: The Property You Claim as Exempt (individuals)
- 74 - - - - 2020-07-17 12:52:52 - 3
Official form 106D, Schedule D: Creditors Who Hold Claims Secured By Property (individuals)
- 76 - - - - 2020-07-17 12:52:55 - 3
Official form 106G, Schedule G: Executory Contracts and Unexpired Leases (individuals)
- 77 - - - - 2020-07-17 12:52:56 - 3
Official form 106H, Schedule H: Your Codebtors (individuals)
- 78 - - - - 2020-07-17 12:52:58 - 3
Official form 106I, Schedule I: Your Income (individuals)
- 79 - - - - 2020-07-17 12:53:00 - 3
Official form 106J, Schedule J: Your Expenses (individuals)
- 80 - - - - 2020-07-17 12:53:01 - 3
Official form 106J2, Schedule J-2: Expenses for Separate Household of Debtor 2 (individuals)
- 70 - - - - 2020-07-17 12:52:46 - 3
Official form 106, Declaration About an Individual Debtor’s Schedules
- 71 - - - - 2020-07-17 12:52:48 - 3
Official form 106, A Summary of Your Assets and Liabilities and Certain Statistical Information (individuals)
- 81 - - - - 2020-07-17 12:53:02 - 3
Official form 107, Your Statement of Financial Affairs for Individuals Filing for Bankruptcy (individuals)
- 82 - - - - 2020-07-17 12:53:03 - 3
Offical form 108, Statement of Intention for Individuals Filing Under Chapter 7
- 83 - - - - 2020-07-17 12:53:05 - 3
Official form 119, Bankruptcy Petition Preparer’s Notice, Declaration and Signature
- 84 - - - - 2020-07-17 12:53:06 - 3
Official form 121, Your Statement About Your Social Security Numbers
- 85 - - - - 2020-07-17 12:53:08 - 3 Help For Bankruptcy Form 122A-1, Chapter 7 Statement of Your Current Monthly Income
Official form 122A-1, Chapter 7 Statement of Your Current Monthly Income
Official help an committee notes for Official Form 122A-1
- 86 - - - - 2020-07-17 12:53:10 - 3
Official form 122A-1 Supp, Statement of Exemption from Presumption of Abuse Under §707(b)(2)
- 87 - - - - 2020-07-17 12:53:12 - 3
Official form 122A-2, Chapter 7 Means Test Calculation
- 88 - - - - 2020-07-17 12:53:20 - 3
Official form 122C-1, Chapter 13 Statement of Your Current Monthly Income and Calculation of Commitment Period
- 89 - - - - 2020-04-14 16:47:24 -
Official form 122C-2, Chapter 13 Calculation of Your Disposable Income
- 91 - - - - 2020-04-14 16:47:19 -
Official form 2400A/B Alt, Reaffirmation Agreement
- 90 - - - - 2020-04-14 16:47:14 -
Official form 2400A, Reaffirmation Documents
- 92 - - - - 2020-04-14 16:47:09 -
Official form 2400B, Motion for Approval of Reaffirmation Agreement
- 94 - - - - 2020-04-14 16:47:05 -
Official form 2400C, Order on Reaffirmation Agreement
- 93 - - - - 2020-04-14 16:47:00 -
Official form 2400C ALT, Order on Reaffirmation Agreement (Alt.)

- Lawyers
Bankruptcy Lawyers Serving My Zip Code

- 942 - - - 2021-06-25 - 2021-09-06 17:05:54 - Select Author Getting help for your bankruptcy
Bankruptcy Lawyers Near Me
How to find a bankruptcy lawyer serving New Hampshire
- 127 - - - 2021-06-25 - 2021-06-25 18:48:20 - 3
How Do I Find a Bankruptcy Lawyer Near Me?
- 128 - - - 2021-03-27 - 2021-03-27 15:21:18 - 3
Ten Ways a Bankruptcy Lawyer Can Help You
Here are ten ways that a bankruptcy lawyer can help guide you through the bankruptcy process to make sure you take maximum advantage of what the law offers debtors.
- 129 - - - 2021-03-27 - 2021-03-27 20:34:24 - 3
Directories of New Hampshire Bankruptcy Attorneys
- 130 - - draft - 2021-06-25 - 2021-06-25 18:53:58 - 3
What Should I Expect From a Bankruptcy Lawyer
- 131 - - draft - 2021-06-25 - 2021-06-25 18:53:16 - 3 Rules for Bankruptcy Petition Preparers
Should You Use a Bankruptcy Petition Preparer (BPP)?
If you need clerical help -- not legal help -- a bankruptcy petition preparer can produce your bankruptcy court forms for a reasonable fee.

- BK Lawyers FAQ
Lawyers FAQ

- 18 - - - - 2020-07-17 12:51:32 - 3
Do I Need a Lawyer?
- 19 - - - - 2020-07-17 12:51:34 - 3
What should I expect from a lawyer?
- 20 - - - 2021-04-03 - 2021-04-03 20:27:05 - 3
What is a "BPP" (Bankruptcy Petition Preparer)?
- 21 - - - - 2020-07-17 12:51:36 - 3
What is Credit Counseling?
- 22 - - - - 2020-07-17 12:51:37 - 3
What is "debt consolidation"

- COVID-19
Bankruptcy & the Coronavirus Recession

- 704 - US - - 2020-08-02 - 2020-08-26 21:19:40 - 3 What is changed in bankruptcy laws under the CARES act?
CAREs Act Changes to the Bankruptcy Code
Congress made a few important changes to the bankruptcy laws. Here’s a summary of what’s changed.
- 665 - - draft - - 2020-06-23 00:01:25 - 3 CAREs Act Changes Definition of Current Monthly Income for Means Test
Coronavirus Info For Bankruptcy Filers in New Hampshire
The CARES Act made significant changes to the bankruptcy code that can help you now for the next year.
- 701 - - - 2020-08-25 - 2020-09-24 15:35:20 - 3 CARES Act Bankruptcy Changes to Bankruptcy Means Test Forms
CAREs Act Changes to Official Means TestForms 122A-1, 122B, and 122C-1
The CARES Act made an important change to the means test form to indicate that payments under the CARES act are NOT included in determining median income. This could be a great boon to those thinking of filing.
- 702 - - draft - - 2020-06-23 00:05:55 - 3 CARES act benefits excluded from current income under 28 USC § 101(10)(b)
Do I have to declare my CARES Act benefits as current income?
- 738 - - draft - 2020-09-07 - 2020-09-07 20:04:59 - 3
Laid Off Due to the Coronavirus (COVID-19)? Bankruptcy Can Help.
A financial plan for people impacted by coronavirus layoffs.
- 734 - - draft - - 2020-07-17 12:55:05 - 3
Why Most Small Businesses Won't File for Chapter 7 During the Coronavirus Pandemic
Small business owners often benefit more from filing for Chapter 7 personally. Learn why.
- 715 - US - - 2021-02-01 - 2021-07-18 06:04:14 - 3 Is It Time to Think About Bankruptcy?
Bankruptcy as Part of Your COVID-19 Financial Plan
Consumer bankruptcy filing reached a 34 year low in 2020, because forbearance and other programs prevented the normal collection efforts, like wage garnishment and foreclosure, — the things that usually prompt people to recognize how dire their situation is — prompting them to file. Whether the timing for filing for bankruptcy is now or later, the time to talk to a bankruptcy attorney IS NOW, so you can take full advantage of the financial protections that bankruptcy law can provide, and avoid common financial mistakes in the year to 18 months before filing, that may cause you to lose assets you could otherwise keep in bankruptcy.
- 732 - - draft - - 2020-07-17 12:55:03 - 3 Collection Actions Barred During the Coronavirus Shutdown
State by State Collection moratoriums
Many states and counties have passed temporary legislation about what collection activity can take place during the shutdown. Here's where to find the latest info in your state.
- 733 - - draft - - 2020-07-17 12:55:04 - 3 What's the Right Small Business Bankruptcy Option During the Coronavirus Outbreak?
Bankruptcy Options for Small Businesses Affected by COVID-19
Learn how filing for bankruptcy under Chapter 7, 11, 12, or 13 can help a small business owner during the coronavirus outbreak. Learn whether the new subchapter V of chapter 11 can help you.
- 735 - - draft - 2020-12-28 - 2020-12-28 16:35:43 - 3
Can I File for Bankruptcy If I Can't Leave the House Due to Coronavirus?
Find out how to file for bankruptcy while observing quarantine and social distancing rules during the COVID-19 outbreak.
- 724 - US - - 2020-06-22 - 2021-03-15 13:56:06 - 3 Resources and Strategies For Keeping Your Home During the COVID-19 Crisis
Best Mortgage forbearance and COVID-19 Resources on the Internet
We've gathered links to best information on the web on the subject of COVID-19 legislation and resources that can help you keep your home during this economic crisis. We've gathered the best stuff all into the one article. -- Bookmark this page. We will revise it as we find new sources
- 101 - - - 2020-06-22 - 2021-06-12 16:46:48 - 3 What We're Reading About Bankruptcy and the Coronavirus
Selected Articles about Bankruptcy and the Coronavirus
The best of what's out there on the web about how to use bankruptcy law to protect your assets during the Covid-19 recession.
- 795 - - - 2020-07-24 - 2021-08-06 00:07:47 - 3 Evictions and Bankruptcy
Can Bankruptcy Keep Me From Being Evicted? No, But Bankruptcy Can Get Rid of Back Rent Debt Accumulated During the Pandemic
Can bankruptcy help stop an eviction? Well, it can delay it, for an extra month or two, in some cases, in some states, if you file early enough in the eviction process. Bankruptcy can, however be a great solution to the problem of "back rent debt" accumulated during the pandemic.
- 819 - - - 2021-08-03 - 2021-09-09 14:03:43 - 3 Am I protected by the CDC Eviction Ban?
CDC Extends Eviction Ban Through October 3, 2021, But Supreme Court Overturns It
Find out how the CDC eviction ban works in your state. We're tracking down the latest tools and information on the internet or you to use.

- News
Bankruptcy News

- 801 - - - 2020-07-30 - 2021-09-06 17:04:01 - Select Author What we're Blogging
LegalConsumer Bankruptcy Blog
The latest from our blog on bankruptcy news and legislation that affects consumers.
- 720 - - - 2020-07-27 - 2021-06-25 19:08:54 - 3 What we're reading about bankruptcy, debt and credit
LC Bankruptcy Newsfeed
What We're Reading about Bankruptcy, Debt and Credit. Timely, useful articles, from reliable sources.
- 98 - - - 2020-09-21 - 2021-06-25 19:05:57 - 3 Bankruptcy News Trackers
Daily News on Bankruptcy
Where to read up on news about about debt, credit, and bankruptcy.
- 100 - - - 2020-07-27 - 2021-06-25 19:05:47 - 3
Credit Card news & Info
- 102 - - - 2020-07-27 - 2021-06-25 19:05:40 - 3 Economic Statistics Related to Bankruptcy
Bankruptcy & Economic Statistics
Economic Statistics that relate to bankruptcy, such as savings rates, default rates, and outstanding consumer debt, secured and unsecured, like credit card debt, student loan debt, and auto loans.
- 103 - - draft - 2020-07-27 - 2020-09-22 06:04:46 - 3
Politics & Legislation
- 99 - - - 2020-07-27 - 2020-09-22 06:11:10 - 3 Videos on Bankruptcy
Other Free Audio/Video About the Debt & Credit Industry
Good videos and audio information about bankruptcy, for those who listen better than they read...
- 97 - - draft - - 2020-07-17 12:53:43 - 3
What We're Reading: November 2018
- 108 - - - 2020-09-21 - 2020-09-22 05:39:25 - 3 What We're Tweeting
Tweets by @meanstest
What we're Tweeting, in our twitter accounts @meanstest (for bankruptcy) and @lawbyzip
- 104 - - draft - 2020-07-30 - 2020-07-30 16:54:05 - 3
Congressional Committees on Bankruptcy and Credit Issues

Bankruptcy Calculators for Other States:

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New Hampshire Median Income Standards for Means Test for Cases Filed On or After May 15, 2021 Standard applied based on petition date.
Number of Persons in Household	Monthly Median Income	Annual Median Income
1	6,004	72,047
2	6,945	83,344
3	8,995	107,942
4	10,812	129,738
5	11,562	138,738
6	12,312	147,738
7	13,062	156,738
8	13,812	165,738
9	14,562	174,738
10	15,312	183,738

New Hampshire Means Test Calcluator

New Hampshire Median Income Standards for Means Test for Cases Filed On or After May 15, 2021

New Hampshire Bankruptcy Resources

Bankruptcy Calculators for Other States:

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New Hampshire Median Income Standards for Means Test
for Cases Filed On or After May 15, 2021