If you have been researching bankruptcy as an option to help you eliminate student loan debt, you know that the chances of that happening are almost zero. Student loans are virtually impossible for the typical debtor to eliminate. Even so, bankruptcy can sometimes be an option to help you manage student loan debt by eliminating…Read more
How Chapter 13 Bankruptcy Can Help After Your Divorce
Ask any bankruptcy attorney, and they’ll you that one of the top reasons people come to them is because they’ve recently gone through a divorce. Suddenly, their finances are in disarray. They turned to credit cards to help them make it through the process, paying for things like moving and living expenses and even fees…Read more
Can I Get Rid Of Private Student Loans In Bankruptcy?
It’s fairly common for someone to start a consultation with the phrase, “I read on the Internet…” When it comes to student loans, that phrase usually ends with, “that you can get rid of private student loans in bankruptcy.” Unfortunately, just like much other information floating around in the recesses of the World Wide Web,…Read more
8 Tips For Avoiding Credit Card Problems
After medical debt, overwhelming credit card debt has to be the biggest reason our clients come to us for help. For a variety of reasons, like divorce, unemployment, and medical needs, they have had to resort to using credit cards to make ends meet. Credit card use can quickly spin out of control. Below are…Read more
Can I Get My Student Loan Forgiven Or Cancelled?
If you’re dealing with overwhelming student debt, you may be looking to repayment alternatives to help you manage it. Although bankruptcy will rarely eliminate student loans, there are other programs available that provide some relief. Two of those programs are loan forgiveness and cancellation. Which, if any, of these programs you qualify will depend on…Read more
Should I Consolidate My Student Loans?
Many people who we help have one thing in common: they are struggling repaying their student loans. If you are scouring the Internet looking for solutions, the bottom line is this: it is nearly impossible to get rid of your student loans in bankruptcy. If you are young, able to work, and have only been…Read more
Three Ways To Get Your Federal Student Loans Out Of Default
Once you default on your federal student loans by failing to make payments, they’ll be placed in collection status. Your paycheck and tax refund could be garnished. You’ll also be ineligible for any other federal student loans, which may keep you from completing your degree. You can read more about what happens when you default…Read more
What Happens If I Default On My Federal Student Loan?
Helping people with student loan debt can be one of the biggest challenges for a bankruptcy attorney. Technically, student loans can be eliminated in bankruptcy. The reality, however, is much different. In order to discharge student loans, the former student will have to bring a lawsuit in bankruptcy court to show that repaying the debt…Read more
Why Aren’t Payments On My Car Or Home Loan Showing Up On My Credit Report After I Filed Bankruptcy?
One of the things that I talk about at almost every consultation is the issue of reaffirming debts in Chapter 7 bankruptcy. Reaffirmation typically comes up only in relation to secured debts. Examples of secured debts are car loans and mortgages. There are two elements to a secured debt. The first is the promissory note.…Read more
Scam Alert: Fake Collection Notices
Whenever I meet with a potential client, I always ask them what brought them in this particular day. Although many have been thinking about bankruptcy for a long time and have finally gotten around to learning more, some people come into my office because they’ve been served with a lawsuit or been told that their…Read more
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