It’s been a slow year for bankruptcy lawyers in NH, but Blackwood predicts that will soon end. “We’re in the middle of a tough nine to 15 months, then there’s going to be a giant wave.”

It is an assessment shared by other lawyers and analysts who crunch the numbers.

The infusion of government money into personal and business bank accounts; a federal moratorium on foreclosures and evictions that continues to Dec. 31; limited access to the courts; and what Blackwood describes as a general atmosphere of “forbearance” have all combined to keep the cork on a potential flood of foreclosures and bankruptcies.