The lawyers and staff of The Bankruptcy Clinic, a division of the law firm of Nossiff & Giampa, P.C., can provide you immediate relief from:
- Foreclosure of mortgages
- Repossession of vehicles or equipment
- Collection lawsuits
- Harassing phone calls
- Wage garnishment
- Tax Collection
- Disclosure proceedings
With offices located in Dover, Portsmouth and Rochester, New Hampshire, and Salisbury, Massachusetts, prompt, courteous and affordable services can provide you the assistance needed to reduce or eliminate your debts, either under Chapter 7 or Chapter 13 bankruptcy. We are happy to provide you with a free and confidential consultation at which time all of your options will be fully discussed and addressed. There is absolutely no obligation to you as the consultation is free of any charge or commitment. To take the first step to debt relief, call for your free confidential consultation.
You WILL feel better after talking to us.
Nossiff & Giampa, P.C., is an established professional corporation committed to providing accessible and affordable legal services and aggressive representation to its clients in Massachusetts, New Hampshire and Maine.
The attorneys at Nossiff & Giampa, P.C., provide legal services and representation to businesses, families and individuals in many areas of law including personal injury and workers' compensation, bankruptcy, civil litigation and criminal defense, divorce and custody, real estate. Nossiff and Giampa, P.C., represent more than 40 years of combined legal experience. Mr. Nossiff and Mr. Giampa have been associates since 1987 and have since practiced actively in the North Shore and Seacoast areas.
What is Bankruptcy?
"Bankruptcy" refers to a federal code of laws and set of rules which are designed to help a debtor, whether an individual or a business, who is facing more debt than he, she, or it can afford to pay, achieve a fresh start. Bankruptcy permits the debtor to work out a plan to repay some or all of the debt, or to have some of the debt forgiven. The bankruptcy laws give the debtor protections and benefits that are not available outside of bankruptcy. Most notably, bankruptcy laws may provide for some debt forgiveness and typically require that creditors stop all collection efforts against the debtor while the debtor is working out a plan and/or awaiting a discharge of
debts. The bankruptcy laws require that the debtor make full disclosure of all assets, liabilities and other financial information, and that the debtor either (1) surrender non-exempt assets for liquidation and distribution to creditors or (2) formulate and follow through on a plan of reorganization and debt repayment that provides creditors with at least as much as they would receive if the debtor's assets were liquidated and distributed to creditors. Bankruptcy cases are adjudicated by the bankruptcy court, a federal court which is a unit of the U.S. District Court in each jurisdiction.
A fundamental goal of the federal bankruptcy laws enacted by Congress is to give debtors a financial “fresh start” from burdensome debts. The Supreme Court made this point about the purpose of the bankruptcy law in a 1934 decision:
"[I]t gives to the honest but unfortunate debtor…a new opportunity in life and a clear field for future effort, unhampered by the pressure and discouragement of preexisting debt."
This goal is accomplished through the bankruptcy discharge, which releases debtors from personal liability from specific debts and prohibits creditors from ever taking any action against the debtor to collect those debts.