In the 2010 case of Espinosa, the Supreme Court decided perfect notice to a student loan lender was not necessary. In some cases, a student loan can be hardship discharged in bankruptcy without first determining undue hardship in an adversary proceeding. An adversary proceeding is a separate lawsuit filed in your bankruptcy case. These adversary proceedings give the…
Can you believe it?! DOE gives out Student loans for prisoners and the dead. Additionally, what is happening is that since 2018 the Department of Education has not given out death and disability discharges. However, the facts are that the Department of Education gives fraudulent student loans to convicts in prison or people pretending to…
Chapter 7 student loan bankruptcy hardship discharges are hard but not impossible to get. A Chapter 7 debtor must prove the following: Every option has been taken to attempt to repay the student loan. No disposable income exists to repay the student loan. There will never be a disposable income to repay the student loan….
Nick Thompson did the webinar and contributed to the book used by lawyers to battle student loans. He was able to obtain a discharge of his own student loans using his system. Need Help with a Specific Student Loan Problem? We offer several services at additional cost, and among these are: Getting you out of…
This is how Student loan servicers abuse IDR IBR applications. To make your student loans manageable: Your student loan is almost always managed by a servicer. The system acts similarly to how mortgages are serviced. A servicer is a private company that makes calls, sends letters and processes the rehabilitation and consolidation applications. Servicers are primarily interested in their…