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I was first admitted to practice law in Iowa and Nebraska in 1984, before moving to New England in 2002. My practice is primarily helping individuals and small businesses with financial matters and creditor disputes including the filing of bankruptcy protection under chapters 7, 11 & 13 of the US Bankruptcy code.

Currently serving New Hampshire, I offer free initial consultation in a client's home or office, or at several convenient locations.

My philosophy is to provide the consumer/home owner/business owner with sufficient information to determine the necessary steps to take to improve or correct the situation, from which a workable, acceptable solution can be reached.

A clean slate and fresh start are in reach. You need to put YOU in first place for a change.

• Individual and Joint personal bankruptcy
• Investment/Rental Realty Restructuring
• Business Restructuring

• Zoom
• GoToMeeting
• Microsoft Teams
• WebEx

• Free Consultation
  I answer all of your questions before you decide on whether and how to proceed.
• Credit Cards Accepted
  Your "credit" card cannot be used to pay for the bankruptcy fees or costs; I accept electronic payments. I also work with you on an affordable payment plan when the circumstances require it.

Massachusetts

Since 2002

New Hampshire

Since 2002

Vermont

Since 2016

Attorney

Robert L. O'Brien, Attorney at Law

2001 - Current

Presently, my practice is limited to helping individuals and businesses through the Bankruptcy Process under chapters 7, 11, 12 & 13. I believe every debtor deserves to be in first place for a change. It is time for a fresh start with a clean slate for YOU. I have 38 years of legal experience in bankruptcy law and general practice, including family law, tax law, estate planning, collection and zoning & land use planning matters.

Assistant City Attorney

Council Bluffs IA City Attorney's Office

1983 - 2001

Creighton University School of Law

J.D. (1984) | Law

Creighton University

B.S. (1982) | Business Administration

A+ Rating

Better Business Bureau

2019

Vermont State Bar

Member

Current

New Hampshire Bar Association

Member

Current

Massachusetts State Bar

Member

Current

Q. We filed chapter 7 bankruptcy on 2/23/2021. We have 4 kids and got the 3rd stimulus. Can trustee take our stimulus?

March 20, 2021

A: If there is any question about the stimulus payment belonging to you, consider amending your schedule C to claim it as exempt property under the wildcard exemption.

Q. How do I file for a Motion for a Relief from Stay in NH? Tenant filed for Chapter 7 before signing his lease.

March 18, 2019

A: Unless you as the landlord secured a writ of possession from the state court prior to the filing of the tenant's bankruptcy petition, you will be required to file a motion for an order for relief from the automatic stay from the bankruptcy court. From the date of the filing of the motion, it will take about 30 days to get to a hearing on the motion.

Q. Why would a chapter 13 trustee take excess tax refunds if the payment plan is 100% funded payback?

January 26, 2018

A: Greetings!

Chapter 13 plans are funded by "disposable income" of the chapter 13 bankruptcy estate, which is based on "household income". Included in most NH chapter 13 plans is a provision that requires chapter 13 debtors to pay over to the trustee all income tax refunds that exceed $1,200, regardless of whether it is an individual or joint case. Since 'disposable income' represents the household income after taxes and required deductions, less approved living expenses for the household; any income tax refund for a particular year would have increased disposable income had it not been deducted as withholding taxes excluded from the determination of chapter 13 disposable income. To minimize the amount of expected income tax refunds, each wage earners w-4's should be carefully reviewed and adjusted accordingly. ... Read More

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