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Find out if you qualify today!Student Loan Bankruptcy Cases
Years In Student Loan Bankruptcy Experience
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Navigating the complexities of student loan bankruptcy isn't a journey to be taken lightly or alone. The first step to reclaiming control over your financial future? Choosing the right ally.
At DebtStoppers, we're not just lawyers; we're your dedicated partners in this journey.
Student loan bankruptcy can indeed pose significant challenges for certain individuals. For context in September 2021, outstanding student loan debt in the United States had surpassed $1.5 trillion.
Now, if you're considering whether student loan bankruptcy relief might be an option for you, there's a straightforward criteria to assess your eligibility for this potential solution.
We Prepare All Filing Documents For You
We Collect Your Tax Returns And Credit Reports For You
We Deal With Your Creditors
We Provide Independent Credit Counseling Right In Our Office
We consistently advocate for your best interests, ensuring thorough representation.
We provide tailored strategies, always considering your specific circumstances.
To us, our clients are paramount. We offer understanding and dependable support throughout.
Clear and honest communication is a cornerstone of our practice. You're always informed.
Your concerns are our concerns. We aim to navigate the legal process smoothly for you.
They're pretty great. 2020 had me down and out, constantly punching up. I would get ahead and then get pushed down a bit further. Reduced work hours and days helped bills to pile up. Reached a moment when I needed them and they were immediate. As far as I know, I'm still waiting for a few loan places to even respond to me. These guys worked fast
I have been struggling to pay my bills for the last few years. The thought of bankruptcy made me ashamed. One phone call and a discussion put my mind at ease. This stress is NOT worth the rest of my life. I have been making myself sick with worry, thinking there was just no solution. I now know this nightmare will be over in a few months and I can pay my mortgage and enjoy my life a bit more. I’ve been able to breathe easier thanks to the empathy and caring people at DebtStoppers. I owe them each a huge debt of gratitude.
Filing bankruptcy was a very hard decision but one that health wise had to be made. Debt stoppers made it the easiest part of my life! Thank you all so much for all you did 😊
Debt stoppers was the best choice I could have possibly made for my chapter 7 filing! They were knowledgeable, helpful and attentive to my needs & answered all of my questions & responded quickly to every email I sent even after my case was discharged. Can't recommend them enough!!
4000$. Debts in city tickets and a vehicle accident, my driver license was being suspended for payments, I filed now I’m good. Thanks to Debt stoppers.
This is my first time filing, was skeptical, but then I remembered my sister used them 12yrs ago & it worked out for her so here i am, my experience with the staff was very pleasant they was on top of their game. I'm glad I went for help, and help they did. So I thank you all so much
Thus far my experience with Debtstoppers has been very positive. Every attorney or paralegal that I have spoken with had been professional, knowledgeable, and very helpful. I look forward to a continuing fruitful experience.
Went to debt stoppers on a referral, and it was honestly the best decision I made for my financial sanity. Everyone is helpful and knowledgeable and the process is painless. Just gather all your paperwork and go see them to make your life less stressful and get a fresh start. I probably would have done it sooner had I'd known the simplicity.
Yes, it is possible to discharge student loans. Historically, this process has been challenging and required borrowers to demonstrate 'undue hardship,' showing that repaying the loans would hinder their ability to maintain a basic standard of living. However, recent changes have introduced a less stringent standard for discharging federal student loans, making the process more accessible and predictable.
At DebtStoppers, we guide our clients through the process of filing for bankruptcy with student loans. Initially, it involves consulting with our experienced attorneys to assess your situation and choose the right bankruptcy chapter, either Chapter 7 or Chapter 13. We then assist in filing the necessary bankruptcy petition, along with an additional lawsuit within your case, known as an adversary proceeding, to argue for the discharge of your federal student loans. If we can demonstrate that you meet certain conditions, such as having been out of school for more than 10 years, having a disability, not having completed your degree, being over 65, or having been unemployed for more than 5 of the last 10 years, we may be able to reach an agreement with the government to discharge your student loans. With these qualifying circumstances, the approach to demonstrating the need for discharging student loans shifts from a broad "undue hardship" argument to more specific, definable criteria that may streamline the process. Our expert team at DebtStoppers is dedicated to navigating you through each step, offering personalized advice and representation in court to optimize the success of your case.
At DebtStoppers, we understand that proving 'undue hardship' in court to discharge student loans through bankruptcy can be a complex task. Undue hardship means that repaying your student loans would cause significant financial distress, making it impossible to maintain a basic standard of living. To prove this in court, we assist our clients in demonstrating three key points: that repaying the loans significantly impacts their ability to cover essential living costs, this financial strain is likely to continue for a major part of the repayment period, and they have made sincere efforts to pay off the loans. Our experienced attorneys at DebtStoppers are adept at presenting a compelling case, providing the necessary documentation and arguments to support your claim of undue hardship in court.
At DebtStoppers, we specialize in helping clients navigate the complexities of managing and discharging student loan debt through bankruptcy. Our experienced team offers personalized guidance, beginning with a thorough evaluation of your financial situation to determine the best course of action, whether that's filing for bankruptcy or exploring other debt-relief options. If bankruptcy is suitable, we'll assist in every step, from filing the necessary paperwork to representing you in court, especially in adversary proceedings aimed at discharging your federal student loan discharge. Our commitment at DebtStoppers is to provide expert legal advice and dedicated support, helping you find the most effective path to financial relief and stability, particularly when dealing with challenging student loan debts.
At DebtStoppers, we help you understand the key differences between Chapter 7 and Chapter 13 bankruptcy when it comes to managing student loans. If you are not trying to protect any property from foreclosure or repossession, Chapter 7, often a quicker process, can be over in as little as 3-4 months. If Chapter 7 is unsuitable based on your circumstances, Chapter 13 involves a repayment plan over 3 to 5 years, which can reorganize your debts, including student loans, into more manageable payments. Our team at DebtStoppers is committed to guiding you in choosing the best bankruptcy option based on your unique financial circumstances, ensuring the most effective strategy for addressing your student loan debt.