There are some significant developments in student loan law that are extremely TIME-SENSITIVE. I want to make sure that everyone that is eligible for the new relief gets it so take a look at the below and pass it on to any of your friends, family or colleagues as the time to make changes is now so […]

Are you confused about the recent student loan forgiveness announcements and how they may affect you or someone you know? There are some dramatic relief programs coming. However, they are extremely complicated. One of the programs affecting Public Service Loan Forgiveness (PSLF) has a strict deadline that is rapidly approaching – the deadline is 10/31/22 […]

If you’ve got federal student loans, you’re probably on a COVID-19 forbearance until December 31, 2020 (if you’re not, you should be). That shouldn’t keep you from applying and/or recertifying your income based repayment plans now. You can get credit for the ongoing months towards your repayment plan without making a payment and you can […]

Do you or someone you know have federal student loans? I have many clients who have paid on their student loans for long periods of time, only to owe more now than they originally borrowed, or who now find themselves in default and facing garnishment. Did you know that there are repayment plans and forgiveness […]

We have all seen them – the ads telling us to refinance our student loans. They are on social media, television and in the mail.  Lower your monthly payments? Potentially lower your monthly interest rate? Sounds great, right? However, here is the problem and what you are not told by these private refinance programs unless […]

Student loan debt is rising at alarming rates.  It accounts for over $1 trillion in national debt.  The student’s hope is that if all goes well, education will lead to a better economic situation.  However, some graduates find that their professions are not as lucrative as they hoped they would be, or they end up […]

I meet with a lot of potential clients, and most of them are very leery of the idea of filing bankruptcy. For some, they can’t fathom not paying their bills since they’ve paid them on time their whole lives. (They just don’t know how to handle them now.) For others, they are stressed and worried […]

Are you afraid to answer your phone because you know there’s a debt collector on the other end? People in that situation know they owe debt, but they don’t want to think about it, and if they do, they think that if they ignore it, the debt collector will go away. DEBT COLLECTORS DO NOT […]

Fear is one of the main reasons people don’t file bankruptcy. They are afraid to admit they made financial mistakes, and they become paralyzed with that fear so they put their head in the sand hoping creditors will go away. This only exacerbates the situation. Creditors do not go away.  A lot of people spend all […]

Nobody wants to file bankruptcy, but sometimes it’s a necessity and a good option to get a fresh start. Here are the top three reasons given by most people as to why they don’t want to file bankruptcy right now: 1. I will try to resolve the debt on my own or through debt consolidation […]