Quick answer: the biggest delay risk beyond the 6-month floor is losing eligibility for Waiver or Summary Administration, followed by real estate sales and a contested creditor claim. Estimate your own timeline with the New Hampshire probate timeline calculator.
1. Losing the simplified tracks
2. Selling real estate
Property that needs to be listed, sold, and closed before the estate can distribute proceeds typically runs well beyond the 6-month creditor exhibition period, and often becomes the actual bottleneck.
3. A contested creditor claim
If a creditor's demand is disputed, resolving it — potentially through a suit filed within the 1-year window under § 556:5 — adds real time before the estate can safely distribute assets and close.
4. Needing a bond
A bond is typically required in a full administration unless waived by the will or the court, adding upfront time and cost. It's one more reason a family that genuinely qualifies for the Waiver of Administration track, which drops the bond requirement entirely, often prefers it.
A local probate attorney can review your estate — many offer a free consultation.