Hiring an Attorney To Help Discharge Student Loans in St. Paul

Managing educational debt can feel stressful, especially when unexpected life changes, rising living costs, and difficult financial circumstances make it difficult to keep up with monthly payments. Fortunately, bankruptcy laws exist to protect you and clear your outstanding balances.

At Walker & Walker Law Offices, PLLC, we believe that hiring an attorney to help discharge student loans in St. Paul can help people reduce your financial stress. By working with our caring attorneys, you can receive the necessary guidance and support to navigate the legal system and work toward eliminating your debt. To schedule a consultation and discuss student loan discharge, reach out to our office today.

Can Student Loan Debt Be Addressed Through Bankruptcy?

While many people believe that bankruptcy cannot resolve outstanding student loans, the law allows the discharge of federal and private student loans if repaying them causes an undue hardship under 11 U.S.C. § 523(a)(8). Additionally, updated guidance from the United States Department of Justice and the Department of Education has made this process much easier. If you hire our attorney in St. Paul to assist you with discharging your student loans, we can complete the necessary paperwork and present your case to the court.

Our team focuses exclusively on Chapter 7 and Chapter 13 bankruptcies. While child support cannot be discharged, an additional court process, known as an adversary proceeding, can release you from your student loans. During this process, we can help you demonstrate three key factors.

The first is your present inability to pay because your current income and reasonable living expenses do not leave enough money to pay back your student loans. We can also help you show the court that your current financial hardship is likely to continue for a significant portion of the loan repayment period. The final factor is that you made honest attempts to manage your student loan debt before filing for bankruptcy relief.

How Do We Assist Borrowers?

When you work with our attorneys serving St. Paul, we can guide you through the court process to clear your student debt so that you always know what to expect. Under the Department of Justice guidance, you will need to complete an Attestation Form that details your income, expenses, and loan history. We can assist you in gathering your financial records, completing this form accurately, and filing the adversary proceeding alongside your bankruptcy petition under 11 U.S.C. § 727 or 11 U.S.C. § 1328.

Working with our experienced team helps protect your rights. We can evaluate your complete financial status, review your federal and private loan agreements, and communicate directly with government attorneys. Our goal is always to provide reassurance, simplify complex legal processes, and help you achieve a stress-free financial future.

Reach Out to Us About Hiring Our St. Paul Attorney To Help Clear Student Debt

Filing for bankruptcy is a responsible choice that allows you to regain control of your life and protect your family. When you experience long-term financial hardship, you deserve debt relief and answers to your questions. Our team will support you with warmth and respect throughout the process.

Hiring an attorney to help discharge student loans in St. Paul allows you to take advantage of new legal options that can eliminate your educational debt. Contact our team at Walker & Walker Law Offices, PLLC today to schedule your free initial consultation.