San Diego Student Loan Debt Relief Attorney

Offering Student Loan Debt Relief Services in San Diego

Even if Chapter 13 bankruptcy is filed, most student loans must be repaid. Attorney D.J. Rausa is committed to helping clients develop a payment plan they can manage. He can also determine if a student loan might cause the debtor "undue hardship." This can be used as an exception to the student loan repayment requirements.

Experienced Advocacy for Student Loan Debt Relief

Attorney D.J. Rausa helps clients obtain relief from student loan debt. He has nearly 20 years of experience providing legal services to clients throughout San Diego. He is committed to making sure everyone has a chance to obtain student loan debt relief.

Student loans are nondischargeable government debts. Traditionally, this means you cannot wipe away student loans through filing Chapter 7 or Chapter 13 bankruptcy. However, filing bankruptcy will help you free up your money to begin paying down your student loans. Bankruptcy attorney Rausa offers comprehensive Chapter 13 bankruptcy solutions to help you set up a payment plan to pay down your debt, including your student loans.

If a Chapter 13 repayment plan lasts for five years at a small percentage on the dollar, student loan lenders or guarantors can take no action against a client or the client's property during that time. Contact us for help addressing your student loan concerns.

Discharging Student Loans

In order to discharge student loans, it is necessary to prove an undue hardship such as:

• Unreasonable student loan terms
• Disability preventing your ability to work
• Fixed income with no possibility of a salary increase
• Family issues preventing you from earning a living

Attorney Rausa is prepared to address all of your questions and guide you through the legal process to make sure your rights are preserved.

Contact a Pacific Beach, CA, File Bankruptcy Lawyer

Contact us by e-mail or call toll free at 1-888-712-5978 to see if you qualify for the hardship exception, or if a reorganizing your payment plan is a better option. A free initial consultation is available with an experienced San Diego student loan debt relief lawyer.

Free Initial Consultation * Available Evening and Weekend Appointments