People in New Hampshire have more debt than people in many other states, with student debt and medical expenses leading the reasons that some are pushed into red ink. In some cases, bankruptcy may be the best way to start over with a clean slate, but it is often the last stop on a long road with options for people to get out of debt.

What can debtors do for themselves?

Although unavoidable and unexpected expenses can lead to debt, some spending habits can also cause or exacerbate debt. Putting a budget together can be easy to start and easy to follow for long enough to notice a difference in savings or fewer debts. It’s never a good idea to ignore a debt. Talk to creditors about the options they may approve to get payments on track.

What help exists for debt relief or debt consolidation?

Some banks or companies may offer debt consolidation services, but they should be checked with the office of the New Hampshire attorney general or a local consumer protection bureau. These services may not offer considerable relief, and some may take advantage of debtors. State or municipal governments may offer free debt counseling to connect proper services with debtors.

How can a lawyer help with debt relief?

An attorney can help represent a person’s interests while working with creditors or credit reporting agencies. Applications for bankruptcy protection and other government designations may be more likely with the proper legal review. Consider a lawyer to help with debt strategies.