Leonard G Deming

Attorney Deming is a former Chapter 7 trustee and former attorney with the U.S. Small Business Administration. An honors graduate with a BA in History from Michigan State University and a holder of the degree of Juris Doctor from Thomas M. Cooley Law School in Lansing, Michigan, he has practiced law for over 39 years. His practice is now limited to bankruptcy and debtor relief and has been for many years. He assists clients in all chapters of the bankruptcy code including 7, 11, 12, and 13. He also assists clients who can't or won't file for bankruptcy protection. His first consult is always free of charge.

Western Michigan University Cooley Law School

J.D. (1981) | Law

1978 - 1981

Honors: Book Award-Conflict of Laws

Michigan State University

B.A. (1977) | History

1975 - 1977

Honors: Graduated with Honors

Member

American Bankruptcy Institute

2009 - Current

Member

National Association of Consumer Bankruptcy Attorneys

2005 - Current

Member

New Hampshire Bar Association

1982 - Current

Presenter, Consumer Bankruptcy From Start to Finish, Manchester NH

June 10, 2011

National Business Institute

As one of a panel of eight, presented "Introduction to Consumer Bankruptcy" AND "The Means Test: A Walk-Through";

Presenter, Chapter 7 and 13 Bankruptcy: Line-by-Line Workshop, Manchester NH

June 24, 2015

National Business Institute

As one of three panel members, presented three different sections including Consumer Bankruptcy Fundamentals and Bankruptcy Filing Procedures; Means Test Workshop; and Chapter 7 Workshop: Filling in the Required Forms Line-by-Line

President's Award for Distinguished Service

New Hampshire Bar Association

1986

New Hampshire Bar Association  # 618

Member

Current

National Business Institute

Presenter

Current

Activities: Have presented CLEs for lawyers in the area of bankruptcy

New Hampshire

Since 1982

1st Circuit

Since 1985

• Free Consultation
  Deming Law Office offers a no-charge, in-depth consultation for all consumer debtors during which we find out about the client's situation and advise the client of all options, alternatives, and what it would cost to achieve the peace of mind that can come from reorganizing or simply getting a "fresh start."

Bankruptcy

Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief

Foreclosure Defense

• Fair Debt Collection Practices Act representation

Q. what is considered an official notice of foreclosure? Notice on our bill. CS said ignore it.

March 2, 2022

A: I am not sure who "CS" is (case servicer?) but in New Hampshire a formal notice of foreclosure must be sent to the last known address of record via certified mail, return receipt requested. It will have a date and time certain as to when the sale will occur. For residential property, this notice must be mailed at least 45 days before the date of the sale. So make sure that the servicer/mortgagee has your correct address so that it does not send any such notice to the wrong address.

Q. What are the NH Homestead exemptions in Chapter 7 Bankruptcy?

May 4, 2020

A: In most cases, debtors may choose between the state and federal exemption. In order to select the state exemptions, debtors generally must have lived in NH continuously for about 2 years. The NH homestead exemption is currently $200,000 for each person having an interest in the homestead, which means that such a married couple would have a $240,000 exemption.

Q. What is the maximum amount an attorney can legally charge a client for a chapter 13 bankruptcy in the state of NH?

October 20, 2017

A: Attorneys fees in Chapter 13 are subject to local court rules. Attorneys may charge anything in accordance with the contract with the debtor/client but if the fee exceeds the "no look" amount of a maximum of $4,500, then the attorney must file an application with the court to have the fee approved. The court will grant or deny the application based on all of the circumstances. No fee application is required if the total of the fee received is $4,500 or less. But anything over requires an approval order. I personally have seen fees approved in some case in the tens of thousands of dollars, although such cases are very rare.