Garnishment for Student Loans

Student loans are among the most difficult types of debt to overcome. They have become even more difficult in recent years, thanks to new legislation that allows the Department of Education to garnish your wages if you do not pay your student loan. You are not even given advanced notice of wage garnishment, and you may only find out after your employer has been ordered to start garnishing your wages.

I'm Joel Gross, a bankruptcy lawyer serving people in Clermont and throughout central Florida. With more than 10 years of bankruptcy experience, I am well-versed in the options available for overcoming student loan debt. If there is a way to overcome your debt, you can be confident that I can guide you toward it.

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Options For Eliminating Student Loan Debt

Can you restructure your student loan? Can you consolidate your student loan? Can you get a payment plan for financial hardship? Can you discharge student loans in bankruptcy? As your attorney, I will carefully review your situation and help you understand the options available.

The first thing to understand is that, if your wages are being garnished because of a student loan, filing bankruptcy will stop the garnishment immediately. But is bankruptcy the right option for you? Only very rarely can student loan debt be discharged through Chapter 7 bankruptcy. However, you may be able to file Chapter 13 bankruptcy and create a reorganization plan that allows you to pay back your student loan debt over time.

Important notice: The Bankruptcy Court in Orlando has implemented a new program that permits debtors who owe student loans to request a modification of those student loans. This new procedure, as part of a chapter 13 bankruptcy, applies to both government and private student loans. CALL ME FOR DETAILS 352-536-6288

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