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How to Get Debt Relief in New Hampshire

George Simons | July 21, 2022

SoloSuit is on its way to rescue you from debt

Summary: If you're struggling with debt in New Hampshire, SoloSuit can help you find the relief you need.

If you are having a tough time paying off credit card balances and feel as though you are unable to chart a new course to manage your finances, you are not alone. In fact, most people in New Hampshire and elsewhere in the United States are carrying around a credit card balance. In fact, the average American has a credit card balance exceeding $6,000, according to a survey conducted by Experian Consumer Credit Review. For individuals residing in New Hampshire, the average amount of credit card debt is even higher (around $6,200), according to an article published by CNBC.

If you are feeling weighed down by your monthly debt obligations and it is impacting your ability to move forward and progress in your life, now is the time for action. You need to be proactive and figure out how to get debt relief in New Hampshire.

Use these New Hampshire debt relief programs

There are numerous government programs and resources available to New Hampshire residents that may provide assistance if you can't seem to make ends meet. Learn about these debt relief programs in New Hampshire to see if you qualify:

  • Financial Assistance to Needy Families (FANF): This program is managed by the New Hampshire Department of Health and Human Service. If you qualify, the FANF program offers financial assistance to families with dependent children through an array of different resources and initiatives, including the New Hampshire Employment Program, Family Assistance Program, and Families With Older Children Program.
  • New Hampshire Emergency Housing Assistance: This program offers assistance to families on the brink of eviction to help ensure they remain in their home. This program also provides assistance with rent and/or utility security deposits, covering the first month of rent, delinquencies on rent payments, and missed mortgage payments.
  • Electric Assistance Program: There is a program available to residents of New Hampshire who may be having trouble paying their utility expenses (e.g., heating and/or electric bills).
  • Community Action Partnership of New Hampshire (CAP): The CAP initiative comprises New Hampshire's various Community Action Agencies. CAP provides assistance that includes help for pregnant women, child care, nutrition, seniors, housing, energy assistance and weatherization, employment training and more.
  • Private Student Loan Relief: Provides a network of financial counselors who link troubled families with trustworthy agencies for financial assistance with private student loans.

Please note that these programs typically have income eligibility requirements that may limit your ability to access these benefits. If you don't qualify, you still have options.

Keep reading to learn about other debt relief alternatives in New Hampshire.

Pay down you debt steadily in New Hampshire

There are strategies you can implement to steadily pay down your debt over a period of time. These strategies are commonly referred to as: (i) the debt “snowball” strategy and (ii) the debt “avalanche” strategy. Here is an overview of each strategy:

  • If you decide to use the debt snowball strategy, the process begins with your smallest balance first. You pay that amount off while making minimum payments on any other debts to ensure you do not go into default on those accounts. After you pay off that first balance, you take the amount you paid and roll it into the amount being applied toward your next balance. Once that balance is paid, you roll both payment amounts to the next highest balance and so on.
  • With the debt avalanche strategy, you begin by paying down the balance with the highest interest rate while continuing to pay the minimum payments on all of your other debts. When that balance is paid, you redirect that same payment towards another balance with the second highest interest rate, and so on.

Meet with a credit counselor

Working with a reputable credit counselor can help you learn more about the debt paydown strategies described above and offer guidance on how to create a monthly budget, sticking to that budget, and not overspending each month. When you meet with a credit counselor, they will examine your monthly income, expenses, and debt. The credit counselor will then work with you to develop both short-term and long-term financial goals. Then, in collaboration with the credit counselor, you will work to develop a personalized action plan to achieve those objectives. Your credit counselor may also refer you to additional services, like creating a debt management plan or budget counseling.

Apply for a debt consolidation loan

If your debt is primarily through unsecured accounts such as multiple credit cards, it may be beneficial to consider applying for a debt consolidation loan. Essentially it allows you to combine multiple debts into a single debt where you make one payment. This will, in turn, make your payments more manageable and should allow you to pay off your debt faster. There are a variety of debt consolidation methods, including balance transfer cards and personal loans.

Look into debt settlement

Hiring a debt settlement company can be a great option that saves you money and the stress of dealing with creditors and debt collectors. If you hire a debt settlement company, be prepared for the company to recommend you stop paying your creditors and any debt collectors while you negotiate a lower payment. The next step typically entails the debt settlement company stepping in and paying on your behalf.

Many creditors and debt collectors are willing to settle for a percentage of the original amount you owe. If you can demonstrate financial hardship, they'll be even more likely to agree to a reasonable settlement. In other words, using a debt settlement company will likely help you settle the debt for anywhere from 1%-70% of the original debt amount. But remember that you will pay the debt settlement company a fee to help you reach this agreement.

One drawback to using a debt settlement company is the damage that can be inflicted on your credit score and credit report. Because debt settlement companies typically do not pay creditors during their negotiation process, your accounts will likely go into default, and your credit score may take a hit. This form of negative credit information stays on your report for seven years. Whether the debt settlement is successful or not, your credit will most likely be harmed. Additionally, the IRS considers the difference between the settlement amount and the original debt amount as taxable income, so be prepared for this when the next tax season rolls around.

Learn more about the benefits and risks of debt settlement with SoloSuit:

Overview of How to Get Debt Relief in New Hampshire

If you reside in New Hampshire and are struggling with a significant amount of debt (whether that be credit card debt, student loan debt, medical debt, etc.), do not throw your hands up in despair and embrace a life where you are perpetually dragged down by debt service payments. There are options available to show you how to get debt relief in New Hampshire. Those options typically include:

  • Use New Hampshire debt relief programs.
  • Pay off your debts with paydown strategies.
  • Work with a credit counselor.
  • Consolidate your debts.
  • Negotiate a settlement offer with the assistance of a debt settlement company.

No matter the option you choose, SoloSuit can help. If you've been sued for a debt you owe, use SoloSuit's free Answer form to respond in minutes and win in court. To learn more about how to respond to a debt lawsuit, check out this video:

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