Bankruptcy: A Positive Solution for Consumers

Through years of representing our clients we know what it feels like to be weighed down with debt and feeling as if there is no where to turn. We understand the frustration and anxiety that come from creditors calling you at home or at work, not listening or caring about what you are going through. Often there are feelings of despair and an over- whelming sense of hopelessness.

Bankruptcy protection provides relief to those experiencing financial hard times. In this complex and involved area of the law, an attorney experienced in the intricacies of the bankruptcy code is essential to get one safely through the bankruptcy process.

At Seaton & Lohr we help people, individuals and families experiencing financial difficulties. Our office provides help with legal issues involving debt, creditor calls and possible foreclosures on a home. A “lawyers’ lawyer”, Attorney Seaton has represented several lawyers on their own bankruptcies. Many lawyers have sent their clients to Attorney Seaton when the client is going though a divorce or other legal matter requiring bankruptcy protection. Attorney Seaton has been a consultant to businesses and to a major municipality on bankruptcy issues and he has taught a course to consumers on Bankruptcy through the New Hampshire Trial Lawyers Association.

It is important to note that both Chapters 7 & 13, through the automatic stay provision, stop harassing creditor communications such as calling you, writing you, or taking any other actions to collect debt.

Chapter 7 provides relief from debt by giving you a “fresh start” and allowing you to quickly move past the debt. This is an appropriate remedy when there is not a house to save from foreclosure or there is too much debt to safely re-organize.

Chapter 13 can prevent the loss of your home by stopping the foreclosure process. In fact, stopping foreclosure on the home is the main reason people select a chapter 13 with which to file their bankruptcy petition.

To be able to take advantage of the helpful provisions of chapter 13 one must have a stable income. A stable income can be unemployment benefits or workmen’s compensation benefits.

It is important to discuss your options with an experienced Bankruptcy Attorney who can answer your questions and steer you to a safe harbor through the bankruptcy process. The attorney at Seaton & Lohr can help you to discharge your debt through a chapter 7 or to reorganize your debt through Chapter 13 of the Federal Bankruptcy code.

We can help you to understand:

  • What a bankruptcy lawyer can do for you?
  • What are the limitations of bankruptcy?
  • What assets are at risk or not at risk in Bankruptcy?
  • If your income can be garnished by creditors?
  • Whether your home is at risk of loss with a Chapter 7 or a 13 Chapter bankruptcy?
  • How you can save your home and stop a foreclosure or sale of your home by using Chapter 13 Bankruptcy protection and which non-bankruptcy techniques can be used?
  • Which types of bankruptcy are right for you?
  • What special provisions are available for New Hampshire or Maine residents in Bankruptcy?
  • What property will you be able to keep in Bankruptcy?
  • What needs to be done prior to filing a bankruptcy?
  • What credit counseling is required?
  • What you can own after bankruptcy?
  • How often or for what issues you may have to go to bankruptcy court?
  • What will happen to your credit?
  • How to stop collection efforts, or protect yourself from other lawsuits by filing a Bankruptcy petition.
  • Which debts are secured and which are not secured? What does this mean?
  • What the process is to keep assets that are unsecured or secured?
  • How to keep creditors from bothering you or attempting to collect on debts covered by the bankruptcy?
  • How to help you restore your credit after filng a bankruptcy petition?

The following topics are areas of particular concern to our clients and have generated the most questions:

  • Credit Card debt
  • Creditor calls
  • Credit after bankruptcy
  • Divorce and bankruptcy
  • Foreclosure
  • Garnishment
  • Hospital debts
  • IRS levies
  • IRS Liens
  • Wage Assignments

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

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