Take Control Of Your Student Loans
Student loans are incredibly common in the United States, including loans so crushingly heavy that their recipients must consider filing bankruptcy. Although the federal government has provided some methods of relief, you may find that you need an attorney’s help to understand your options and protect your rights.
Cunningham, Chernicoff & Warshawsky, P.C., can help you. Since 1978, we have helped people of all backgrounds throughout central Pennsylvania manage, reduce or discharge their debts through bankruptcy and other solutions. Our bankruptcy attorneys care deeply about helping you get your student loans under control so you can thrive financially.
Can I Get Rid Of My Loans Through Bankruptcy?
The Bankruptcy Code only allows you to discharge student loans in limited circumstances. You may qualify if you have federal student loans and repaying them would create undue financial hardship for you and your dependents. If so, you can file a type of legal action called an adversary proceeding. If the bankruptcy court grants your request, it will halt collections and discharge the full amount of your federal student loans. When you get in touch with us and provide more details, our lawyers will determine whether you qualify for bankruptcy.
Exploring All Methods Of Relief
If you are not eligible to discharge your student loans through bankruptcy, we can help you explore other options for managing them. These can include:
- Income-based repayment plans
- Loan rehabilitation
Sometimes, student loans force people to go into other kinds of debt just to stay afloat. In some cases, Chapter 7 or Chapter 13 may be the right options for you to discharge other debts so you can focus on repaying your student loans. An experienced, caring bankruptcy attorney can help you.
Speak With Us About Your Options
The time has come to get back in charge of your finances by exploring methods of managing your student loans. To talk to a lawyer in an initial consultation, please call the Harrisburg office of Cunningham, Chernicoff & Warshawsky, P.C., at 717-260-3527 or send us an email.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.