I’ll keep this to the facts. I’m seeking any experience on this matter as my attorney, the two trustees he talked to and a second attorney have never experienced this before and not sure what the best course of action is.

I filed chapter 7 bankruptcy in 2022. I wrote a check to the...

Will Biden’s student loan forgiveness/cancellation apply to loans in a Chapter 13? What are we assuming? 🤔 My husband and I both received Pell Grants so if they apply, it would wipe out his loan and make a substantial dent on mine. If nothing else, the loan we still pay on that is in my dad’s...

Hi forum experts,

I'm so glad I have found this forum since there are so many threads with great useful discussions.

I have been unemployed since just before covid and is currently overseas. We (wife with a 2 and 4 year olds) decided that we should stay overseas because covid...

THE SHORT STORY:
I've already finished my taxes this year. My tax return's current status shows that an offset has been applied and intercepted my tax return. USA FUNDS sent me a letter stating they have sent a request to the government to cancel the offset since I just consolidated my loans and...

Greetings, Everyone!

As I was researching about student loans POST CH7, I came across this from NOLO:

"There will be no arrears at the time of reactivation."

I really hope this means what I'm thinking. Does this mean that even if I was a couple...

I am in Michigan. I have student loans, which are in default, from years ago. I haven't worked in a few years. This year I am working but not making much. I have been contemplating filing BK for a while. If I file bk before or right after I file taxes next year, would my taxes still get taken for my...

Since filing for Chapter 7 Bankruptcy pro-se in December, I was under the understanding that an automatic stay entered into place whereby a creditor is required to cease collection efforts against me. Since that time, I have been receiving non-stop calls and letters from Sallie Mae and their guaranty...

We are 24 months into our Ch. 13 with 3 years to go. My husband was in school for his Masters when we filed. Our plan is actually very, very accommodating and we are able to put a nice chunk into savings each month, and I planned to make the payments outside the plan when I thought they would be between...

"The Eighth Circuit Bankruptcy Appellate Panel upheld a lower court’s ruling discharging $204,525.00 in student loans, despite the lender’s argument that the debtor could have continued her education and sought higher-paying employment as a chiropractor.

Shaffer v. U.S Department...

I am highly confused, as I usually am by the time I decide to ask you guys question.

Okay so, I have paid attention on the forum and I know that student loans are not dischargeable in chapter 13 bankruptcy unless you can prove undue hardship.

But I was wondering if that...

Husband has 1 rental foreclosure property (payment approx. $900 mo., it was our primary residence 3 years ago but husband had to relocate from Minnesota to North Carolina. We rented it out to 3 different renters. Each of them lost their jobs. We now rent out for just a small payment ($325) and...

I have known for a while that I will need to file chapter 7. I had a medical condition with my kidneys that just racked up thousands worth of medical bills. I can't pay it. It's been about 4 years now. I live in Minnesota, and they sue (and arrest you if you don't show to court, despite never being...

I'm reaching the end of my 3-year unemployment deferments on Federal loans (Parent PLUS) for my 2 children that I began borrowing in 2004 and ended in 2009 when I was laid off.

I'm still unemployed and in my mid-50's. I'm married and the loans are in my name only.

My wife...

Hi!

So, I owe about $175K in student loans, $28K of which are private. Am current with loans (was continually deferring feds or paying $50/m). I was discharged from Ch.7 in Sept'10 and we filed an adversary proceeding to try & eliminate or reduce my student loan debt. I have a good...

I will try to keep this as short as possible. I really need some sound advice because I am literally waking up in the middle of the night because I am so worried about this.

First a little back story:
My name is Tasha, I'm 22 years old, I work as a CNA (10 dollars per hour),...