New Hampshire STATE LAW

WAGE GARNISHMENT EXEMPTION:

– 50 times the federal minimum hourly wage (all future wages are exempt)

MAXIMUM INTEREST RATE:

– Judgment: 7.6%

STATUTE OF LIMITATIONS ON ENFORCEMENT:

– Open Account (credit card): 3 years
– Written Contract: 3 years
– Domestic Judgment: 20 years
– Foreign Judgment: 20 years

BAD CHECK LAW DAMAGES:

– Amount of check, interest, court costs, reasonable collection costs and $10 per day up to $50

tape recording

– Two party state

BANKRUPTCY PROPERTY EXEMPTIONS:
(New Hampshire Revised Statutes Annotated):

– Can use either the state exemptions below or federal exemptions
– The State of New Hampshire has exempted the property and income below from seizure by the bankruptcy court to pay creditors:

Real Property:

– Real property or mobile home if located on land owned by debtor up to $30,000 [480:1]

Personal Property:

– Furniture up to $3,500 [511:2(III)]
– Beds, bedding, and cooking utensils, amount needed [511:2(II)], clothing, amount needed [511:2(1)]
– Food and fuel up to $400 [511:2(VI)]
– Stove, heating equipment, refrigerator, unlimited amount [511:2(IV)]
– Automobile to $4,000 [511:2(XVI)]
– Jewelry up to $500 [511:2(XVII)]
– Bibles and books to $800 [511:2(VIII)]
– Sewing machine, unlimited amount [511:2(V)]
– Burial place, lot or church pew, unlimited amount [511:2(XIV)]
– Tools of trade up to $5,000 [511.2(IX)]
– Uniforms, arms and equipment required for military, unlimited amount [511.2(VII)]
– One cow, six sheep and fleece, four tons of hay [512:2(XI) and (XII)]
– Fowl up to $300 total value [511:2(XIII)]
– One already slaughtered pork [511:2(X)]
– Proceeds for lost or destroyed exempt property up to exemption amount [512:21(VIII)]
– Yoke of oxen or horse if needed for farming [511:2(XII)]

Insurance / Annuities:

– Fraternal society benefits, unlimited amount [402:69]
– Firefighters insurance, unlimited amount [402:69]
– Homeowners insurance proceeds up to $5,000 [512:21(VIII)]

Pensions / Retirement Plans:

– Police officers; firefighters; public employees; federal pension, unpaid benefits [512:21(IV)]
– Police officers, unlimited amount [103.18]
– Firefighters, unlimited amount [102.23]
– Public employees, unlimited amount [100A.26]

Public Benefits / Entitlements:

– Unemployment compensation, unlimited amount [282–A:159]
– Workers compensation, unlimited amount [281–A:52]
– Aid to aged, blind, disabled and families with dependent children, unlimited amount [167:25]

Wages:

– Earned but unpaid wages (judge will decide the amount that is exempt) [512:21(II)]
– Earned but unpaid wages of a spouse and wages of a minor child, unlimited amount [512:21(III)]

Miscellaneous:

– Child support, unlimited amount [161–C–11]
– Jury and witness fees, unlimited amount 304–A–25]
– Business partnership property, unlimited amount [304A–25]