True Accord

APRIL 28, 2025

increase in delinquent student loan balances, a 16.28% increase for first mortgages and a 4% increase for bankcard balances. The huge surge in delinquent student loans is due to an increase in the volume of 90 DPD data furnishers have started to report after the pause on student loan payments ended.

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Sawin & Shea

JULY 13, 2022

The majority of people in Indiana who have thought about declaring bankruptcy likely already know how challenging it is to get student loans erased. Although it is not impossible, debtors normally need to pass the Brunner test, which establishes that repaying the student loans will put them in an unreasonably difficult position.

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Sawin & Shea

JULY 6, 2022

A friend or family member may step in to assist the borrower in obtaining a loan for a car, home, or student loan. Unfortunately, if a friend or family member needs someone to personally guarantee their loan, that likely means they’ll have a high-interest rate and have a higher chance of defaulting on payments.

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Public Citizen

JANUARY 14, 2022

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Sawin & Shea

MARCH 7, 2023

If you’re struggling with debt and considering bankruptcy, speaking with a bankruptcy lawyer can help you determine your best options and give you some clarity on how the process works. At Sawin & Shea, LLC, our Chapter 7 Bankruptcy lawyers have helped clients just like you in the Indianapolis and surrounding areas.

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Sawin & Shea

SEPTEMBER 14, 2022

Examples of non consumer debts include: Alimony Child support Traffic tickets Parking tickets Criminal restitution Business loans Personal guarantees Business property mortgages Business-related legal fees Taxes. Are Student Loans Consumer or Non-Consumer Debts? The post Consumer Debt vs.

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Collection Industry News

AUGUST 30, 2021

Bankruptcy Code to allow borrowers to discharge student loans without proving that repayment of the debt imposes an “undue hardship” on them or their dependents. trillion in student loan debt, according to data from the Federal Reserve cited in the report accompanying the resolution.

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Debt Free Colorado

MARCH 23, 2020

Dealing with Credit Card, Medical, and Student Loan Debts. For additional help, call 303-900-8958 to schedule a free phone or video conference with an experienced Denver bankruptcy lawyer. The post Surviving Debt – Free Book During Coronavirus Pandemic appeared first on Denver Lawyer Clark Daniel Dray.

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Sawin & Shea

OCTOBER 27, 2021

If you’re struggling with medical debts, we encourage you to contact medical bill lawyers to go over options to make your medical debt more manageable. 25% of debts in collections were credit card related, and 20% were student loan debts. Contact Indiana Bankruptcy Lawyers. Indiana’s Medical Debt.

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Collection Industry News

APRIL 22, 2023

WASHINGTON — A settlement that will allow thousands of student loan debts to be canceled will go into effect after the Supreme Court on Thursday declined to block it. The case is unrelated to President Joe Biden’s broader effort to forgive student loan debt, which is also before the justices, with a ruling due in the next two months.

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Collection Industry News

APRIL 4, 2022

“Over the past several decades, Congress and the courts have together nearly eliminated bankruptcy as a viable path towards financial recovery for most Americans struggling with student loan debt,” twenty-seven Democratic senators wrote in a letter to the Education Department and Justice Department on March 31, the Washington Post reported.

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Student loans Student Loans Debtor Bankruptcy 40

Debt Free Colorado

APRIL 9, 2020

Student Loans. You should call your student loan servicers about forbearance, which will temporarily stop or reduce your payments. Unfortunately, you are at the mercy of the lender if you have private student loans as they tend to be much more difficult to work with.

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Sawin & Shea

AUGUST 24, 2020

Bankruptcy will wipe out credit card debt, medical bills, and personal loans, but will not eliminate primary obligation debt; things like student loans, child and spousal support, and newer tax debt. Consult with a bankruptcy lawyer about what your debt negotiation options are. How Can I Stop Collector Harassment?

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Sawin & Shea

OCTOBER 11, 2023

A Special Note About Student Loan Debt Can student loans be discharged in bankruptcy? While it is possible to petition the court to discharge student loans via bankruptcy, the reality is that it can be a significant challenge for most people to meet the requirements.

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Debt Free Colorado

DECEMBER 23, 2024

Student loans, child support, recent taxes, and court fines must be paid in full. If you have these types of debts, it is good to seek advice on how to manage them effectively: Student Loans Most student loans are non-dischargeable. How Can a Bankruptcy Lawyer Help Me With Managing Unsecured Debts?

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Sawin & Shea

AUGUST 9, 2023

Including past-due mortgage or rent payments, car loans, student loans, personal loans, medical bills, payday loans , and lines of credit) If you’re just a few payments behind on a loan or credit card, and you can say with confidence that you can catch up, bankruptcy for credit card debt might not be the right answer for you.

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Sawin & Shea

OCTOBER 27, 2021

If you’re struggling with medical debts, we encourage you to contact medical bill lawyers to go over options to make your medical debt more manageable. 25% of debts in collections were credit card related, and 20% were student loan debts. Contact Indiana Bankruptcy Lawyers. Indiana’s Medical Debt.

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Collection Industry News

APRIL 2, 2021

The number of people seeking bankruptcy fell sharply during the pandemic as government aid propped up income and staved off housing and student-loan obligations. Source: site. Household spending also dropped as people stayed home, canceled travel and socially distanced to avoid the coronavirus.

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Collection Industry News

FEBRUARY 6, 2024

Unlike many Americans with crushing student loan debt, the 44-year-old father of three from Knoxville, Tennessee, thought his debt had been canceled. But when the pandemic-era hold on loan payments lifted, the hefty deduction popped up again on his balance. Many went through different student loan companies.

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Debt Free Colorado

JANUARY 10, 2022

Only student loans, taxes, and past-due child support are non-dischargeable. . After filing for bankruptcy, most people may apply for credit cards and auto loans. Student loans, child support, and spousal support are some unpaid debts after a Chapter 13 bankruptcy. Advantages of Chapter 7 Bankruptcy .

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Sawin & Shea

DECEMBER 28, 2023

Your bankruptcy lawyer can negotiate lower balances or interest rates as well. Certain Debts Remain : Common protected debts like most student loans, alimony, and child support can’t be discharged in Chapter 13. Contact our lawyers today at 317-759-1483, or you can schedule a FREE consultation online here.

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Sawin & Shea

APRIL 3, 2024

Professional Licenses and Loan Defaults While a bankruptcy filing alone shouldn’t ruin your chances of obtaining a license, defaulting on certain loans and debts can. In fact, defaulting may even jeopardize your current license status. That said, these limitations are temporary.

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Debt Free Colorado

NOVEMBER 28, 2024

Student Loans: Generally non-dischargeable unless the borrower proves “undue hardship.” It can help smoothen the process for both client and lawyer. Discharge Your Debt With Help From a Reliable Bankruptcy Lawyer Now! The Law Office of Clark Daniel Dray offers you the help of our trusted team of bankruptcy lawyers.

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Credit Corp

AUGUST 13, 2021

Someone in their early 20’s could already be two years into a really stable job and have an emergency fund saved while another could still be in college, taking classes, and dealing with massive student loan debt. There’s often no need to get a lawyer involved but you’ll want to put together an agreement that satisfies both parties.

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Credit Corp

JUNE 3, 2020

Exceptions apply for things like child support, spousal support, student loans and some property liens. Speak with a bankruptcy lawyer to learn whether this will help your situation. This process can discharge or eliminate most civil judgments for unpaid debt. Can You Settle a Judgment?

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Direct Recovery

APRIL 17, 2023

In almost all cases, debts related to child support, student loans, tax debt, wages owed to employees, damages for personal injury, and obligations to government agencies will not be discharged during bankruptcy. There is an entire industry of debt counseling agencies that can be tremendously helpful with going this route.

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Sawin & Shea

NOVEMBER 2, 2022

Honesty is the best policy, so work with your bankruptcy lawyer to make a plan regarding your spouse’s level of knowledge and involvement in the process. You can minimize the impact on your spouse by working with a bankruptcy lawyer who is aware of your situation and who understands your needs.

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Credit Corp

MARCH 1, 2021

Or, perhaps it’s a student who needs to earn a little extra money to help pay student loans. RN’s, MDs, Lawyers, etc.). Related read: Side Hustles for College Students. They might need to supplement their income, keep themselves busy on weekends, among other reasons.

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Better Credit Blog

APRIL 1, 2022

your own lawyer to fight on your behalf. Other Factors: Keeping a mix of different types of credit — a student loan, a couple credit cards, a car loan, and a mortgage, for example — will help your credit score some. If this sounds overwhelming, you might want to reach out to a credit expert.

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Sawin & Shea

MAY 2, 2024

Student loans are also difficult but not impossible to discharge in bankruptcy. Just be sure to hire an experienced bankruptcy lawyer to correctly file all the required paperwork with the courts and properly list all assets, your bank account, and creditors. These forms are filed electronically with the bankruptcy court.

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Debt Free Colorado

DECEMBER 7, 2016

Certain taxes, student loans, child or spousal support, fees owed the government, and other debts aren’t affected. To discuss your debt with an experienced bankruptcy lawyer call 303-900-8598. The post Chapter 7 Bankruptcy Timeline appeared first on Denver Lawyer Clark Daniel Dray.

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Better Credit Blog

MAY 12, 2022

You’d may have to hire a lawyer, but if the debt is big enough this might pay off. You may not need a lawyer if the debt predates your statute of limitations. But these kinds of negative items can make it nearly impossible to get a car loan, a mortgage, or even a student loan in some cases.

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Collection Industry News

APRIL 25, 2023

Some debts, though, such as federal student loans don’t have a statute of limitations. To calculate the statute of limitations for your debt, you may want to consult with a lawyer. In many states, statues of limitations are in place to prevent creditors and debt collectors from using legal action to collect on an older debt.

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Debt Free Colorado

MARCH 3, 2023

Find Out the 10 Common Questions About Bankruptcy with Colorado Bankruptcy Lawyers. Generally, secured debt (loans backed by collateral), student loans, child support or alimony, recent taxes, criminal fines, or personal injury judgments cannot be discharged. After Filing for Bankruptcy, am I Still Able to Own Property?

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Sawin & Shea

NOVEMBER 1, 2023

At Sawin & Shea, our team of Chapter 7 and Chapter 13 bankruptcy lawyers is here to help. After you have completed your Chapter 13 payment plan, if there is any remaining unsecured debt, it will be discharged with a few exceptions like some taxes, most student loans, and child support.

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Collection Industry News

JUNE 17, 2024

This includes mortgages, home equity revolving debt, auto loans, credit cards, student loans and other consumer lending such as retail cards. Auto loan and mortgage debt increased by 4%, while student loan debt saw a modest rise of 1.6%. Call a lawyer. The total household debt of $17.3 on the year.

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Taurus Collect

JANUARY 24, 2023

In this situation, it is best for borrowers to consult a lawyer before deciding how to proceed, as they may be able to help negotiate a more favourable outcome or find alternatives that don’t involve taking legal action against them. But if you use the right strategies during tax season, you can make a big dent in your debt load.

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