Friday, 07 December 2018 00:41

Brightwood School Closing

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Brightwood College Students

There can be nothing worse for a student than to have the whole school close down from underneath you, leaving you lost, dazed and confused. Now, it looks like 20,000 students of Brightwood College are locked out of school!

Chris Bush Bankruptcy AttorneyWe are excited to announce the addition of San Diego bankruptcy attorney Chris Bush to the Debt Doc practice. Chris joins San Diego attorney DJ Rausa who has represented many clients, not only in the area of bankruptcy, but more specifically, as an expert in the rapidly growing area of Student Loan Law.

Chris has practiced consumer and small business bankruptcy for over 12 years and worked on thousands of cases. He has a passion to fight against and dispel the prevalent and harmful misinformation regarding bankruptcy filing and debt relief options. He has the experience to steer you in the right direction and help you legally resolve your debt burden.Chris’s passion is to provide personal, compassionate and creative bankruptcy representation that yields the best possible solution for his clients suffering under crushing debt. Bankruptcy laws and procedures are often misunderstood due to the prevalence of misinformation regarding debt and bankruptcy options. Chris has practiced consumer and small business bankruptcy for over twelve years and worked on over a thousand cases. He can assist you by clarifying the options available to you and finding the best solution for your case.

Professional Experience

Chris Bush is active and has experience in the following areas of bankruptcy and debt relief.

  • Chapter 7 bankruptcy
  • Chapter 13 bankruptcy
  • Debt negotiation and reorganization
  • Foreclosure prevention
  • Tax discharge and repayment plans
  • Repossessed vehicle recovery
  • Student loan litigation
  • Discharge litigation
  • Stay litigation
  • Domestic support, child support, and alimony repayment
  • Bankruptcy claims litigation
  • Bankruptcy appeals (Federal district court and the Ninth Circuit Bankruptcy Appellate Panel)

“I know that everyone’s financial situation and burdens are unique and understand the power of listening.”

Whether you’re seeking relief from overwhelming credit card debt, medical bills, taxes, payday loans, or other personal debt, bankruptcy attorney Chris Bush can assist you in untangling the options to find the best solution for your specific debt relief case. You may be able to eliminate or reduce your tax debts, student loan debts, medical debts, or car loans. You may even be able to eliminate a home equity line or second mortgage. He’ll guide you to the best solution for your situation.

Schedule a free initial consultation with attorney Bush today. Contact us at (619)295-3322. We are available on weekdays, evenings and Saturdays for your convenience. Call us to learn how we can start you on the road to a brighter financial future.

Chris Bush, Esq.

Chris Bush Bankruptcy AttorneyChris’s passion is to provide personal, compassionate and creative bankruptcy representation that yields the best possible solution for his clients suffering under crushing debt. Bankruptcy laws and procedures are often misunderstood due to the prevalence of misinformation regarding debt and bankruptcy options. Chris has practiced consumer and small business bankruptcy for over twelve years and worked on over a thousand cases. He can assist you by clarifying the options available to you and finding the best solution for your case.

Whether you’re seeking relief from overwhelming credit card debt, medical bills, taxes, payday loans, or other personal debt, bankruptcy attorney Chris Bush can assist you in untangling the options to find the best solution for your specific debt relief case. You may be able to eliminate or reduce your tax debts, student loan debts, medical debts, or car loans. You may even be able to eliminate a home equity line or second mortgage. He’ll guide you to the best solution for your situation.

Learn More

DJ Rausa, Esq.

DJ Rausa Student Loan Bankruptcy AttorneyWith over 20 years of experience as a consumer debt attorney, D.J. Rausa is a pioneer in San Diego bankruptcy law, being one of the first lawyers in San Diego County to shape interpretations of recent changes in federal bankruptcy laws. Mr. Rausa is regionally known as a lecturer on bankruptcy and foreclosure law. His courtroom arguments have influenced bankruptcy case law and he has spoken about bankruptcy law topics on San Diego business radio talk shows and before consumer credit counselor and real estate professional groups.

Attorney D.J. Rausa has proven to be an aggressive advocate for people deserving relief from financially crippling debt. Mr. Rausa is an expert in Bankruptcy Law and an experienced Debt Negotiation and Reorganization Attorney. These are the skills he uses to benefit clients who are floundering financially from a variety of reasons including catastrophic medical bills, job loss, divorce, tax debt, simple over extensions and Student Loan debt.

Attorney Rausa is one of the few, nationally known lawyers, who specialize in Student Loan Debt Resolution. He is a Student Loan Lawyer graduate and he has been on the forefront of this rapidly evolving national debt issue. He brings all his bankruptcy, debt negotiation and reorganization talents to bear on this specialized area of debt law to help both students and parents suffering under out of control student loan debt.

If you are suffering under unmanageable debt and don’t know where to turn, don’t hesitate to contact Attorney D.J. Rausa for a free initial consultation. He will explain what your debt relief options are and how he can help you get back to financial stability.

Learn More

Friday, 14 September 2018 19:42

DeVos’ Tiered Relief for Defrauded Students

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The Arkansas Democrat Gazette recently reported that President Trump's administration is granting only partial loan forgiveness to most students approved for help because of fraud by for-profit colleges.

The new administration has adopted a different approach to student loan forgiveness for students defrauded by for-profit colleges. President Trump’s Education Secretary, Betsy DeVos, has rolled out a new policy of “Tiered Relief” in which defrauded students are compensated based on their earnings following completion of college programs.

California Attorney General Xavier Becerra filed a lawsuit accusing student loan processor Navient Corp. of harming consumers by failing to properly service the debts. Navient, one of the nation’s largest student loan servicers, services about $300 billion in federal and private student loans for 12 million borrowers, about 1.5 million of whom live in California.

Thursday, 03 May 2018 20:29

Chapter 13 Eligibility

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Nothing can be more frustrating to a person who needs to restructure their personal finances than their inability to work with the creditors they owe. More often than not, the creditors want far more per month than they can afford. That is when seeking the advice of D.J. Rausa becomes so necessary.

First Come, First Served

If you thought you were out of luck to qualify for the Public Service Loan Forgiveness (PSLF) program because you were enrolled in graduated or extended repayment plans — Congress recently did you a favor.

Improving consumer protections for federal and private student loans to help ease student loan debt is the aim of an amendment to the Economic Growth, Regulatory Relief and Consumer Protection Act introduced March 8 by Illinois Senator Dick Durbin. It includes a Student Loan Borrower Bill of Rights as well as some bankruptcy protections.

The National Association of Consumer Bankruptcy Attorneys (NACBA) has learned from a number of its members that the Department of Education (DOE) and its student loan servicers are kicking out bankruptcy debtors from their income-driven repayment plans. This is happening when debtors file Chapter 7 or Chapter 13 — even if they are current on their student loan repayments.

Thursday, 19 October 2017 04:10

Federal Student Loan Defaults Climb

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If you have defaulted on your federal student loan — you are not alone. According to a September 2017 article in the Washington Post, “the share of people not making payments on their federal student loans within three years of leaving college has risen, reversing five years of reported declines in new defaults.”

The shift is subtle — up to 11.5 percent from 11.3 percent from 2015 to 2016 — but the raw numbers show what a significant issue this is. Of the more than 5 million people who began repaying their student loans in October 2013, 580,671 defaulted.

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Compassionate. No-nonsense. Great job. Saved me $85K!

I had three choices: two large groups, or Mr. Rausa. I chose Mr. Rausa because of his numerous excellent reviews from clients as well as other attorneys. Also, I wanted someone to provide personal service and have a vested interest in my difficult student loan case.

I certainly made the right choice. Mr. Rausa personally answered two of my phone calls and regularly answered my emails, even on one Sunday evening.

After 30 years of student loan "prison", he got me freedom AND he even got the US Dept. of Justice to dismiss 25% of my loans, which saved me $85K.

I feel like I have a new lease on life because of Mr. Rausa. I wish I could recommend 10 stars.

stars
Posted by a client - September 25, 2018

AVVO Lawyer Rating is Superb!

Respected Legal Source

D.J. Rausa interviewed by the Wall Street Journal for article on Bankruptcy and Student Loan Debt.

Debt Doc's D.J. Rausa is recognized as a legal expert in Student Loan Debt Resolution and the associated Bankruptcy Laws.

Read what D.J. recently told The Wall Street Journal regarding the probable rise in Student Loan Debt Resolution through Bankruptcy.

Client Testimonial

To whom it may concern,
Debt Doc's attorneys are extremely knowledgeable with the complexities of Federal Student Loans.
I went from a thriving career to full medical disability, ending with an SSDI placement. Unfortunately, I lost everything and became unable to continue making the student loan payments, so it was in deferment for over five years. When the SSDI settled I tried to negotiate an affordable payment plan with the loan holders but they refused my efforts, instead demanding over twice the amount I could afford.
I contacted DJ Rausa at Debt Doc and found him to be courteous, responsive and quick to assess my situation. He was sure he could help and took time to answer all questions, which relieved much anxiety. Within months he successfully resolved the debt! With much confidence, I highly recommend Mr. Rausa.
Please contact me if you have any additional questions.
Sincerely,
 CJWaldenSignature
CJW
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