Solving Your Student Loan Problems

(With or Without Bankruptcy)

People should not need a Student Loan Lawyer.

But many do.

STUDENT LOANS ARE TOO COMPLICATED.

Most people do not understand their student loan situation, let alone the solutions.

Often people cannot correctly describe whether they have federal or private or both loan types. And they are confused as to whether they are dealing with the Department of Education, a Servicer or a Collector or a Collection law firm or why they get contacted by different companies about their loans.

You may feel overwhelmed, frustrated and helpless about your student loans. You may want someone to make sense of your loans and your options. Sometimes there are limited solutions, but usually I can do a great deal to help my clients. The first challenge is to gather the information I need to fully explain your student loans and student loan solutions to you. Then YOU pick a plan of action. Sometimes student loans solutions may include filing a bankruptcy, but usually that is not necessary.

So I also do chapter 7 & chapter 13 BANKRUPTCIES for individuals, couples, and small business people with and without student loans. I also file bankruptcy adversaries to discharge student loans in the rare cases where a client meets the criteria. I have helped thousands of people get a fresh financial start.

My Practice

In 2006, I started focusing on student loan cases. I met a single mother with a severely disabled child and $250,000 in mixed student loan debt she could not keep up with. She had already filed bankruptcy so we filed a bankruptcy adversary to get her federal student loans discharged. Since 1998, the Bankruptcy Court in Colorado has only granted or approved settlements resulting in about 30 student loan discharges. Despite opposition from the US. Department of Education and Sallie Mae, I won a full discharge for my client. By my winning this case at trial, other lawyers started referring student loan cases to me. Since then I have helped thousands of people with student loan cases of every type possible.

“The 20th century was all about getting a good education.

Everyone said — ‘Go to college. It will be worth it.’

The 21st century is all about how to pay for your very expensive education.”

— Karen Cody-Hopkins