Can somebody who conquered the impossible - successfully discharging their student loans due to undue hardship - post some details here?
Just any details whatsoever that haven't been posted before. For me and others lurking.
For example.....
Did anybody represent themselves?
For those who had a lawyer, did the lawyer charge $5000 or what for the adversary proceeding? Did the lawyer accept a payment agreement?
Instead of the whole adversary business, was anybody advised to take the Ch. 13 route for the student loans and Ch. 7 for the credit cards?
Or can you do that Ch.13 at all? Particularly if you're self-employed and your income varies from month to month?
Anybody in the Nashville, Tennessee area try to bankrupt their student loans? A TN attorney name would be terrific, too.
How did you begin the process - did you ask the attorney before any consultation if he or she would be open to doing an adversary proceeding? I only ask because some lawyers say you can't do it, period, and we know you can - it's just extremely difficult.
Did anybody undergo a psychological evaluation so they could honestly declare themselves permanently mentally disabled? Seriously.
I've read that Chuck Stewart book, and it has a lot of useful info, although he only devotes a page to the trial process, saying you win in the mediation. And his position on representing yourself makes sense, but I doubt I can do it, and I read everywhere else that a lawyer is a must in this situation. I reckon that's true.
In my case, I've had student loans for 14 years, originally $57,000, I put over 22,000 bloody dollars on them until I could afford to do it no more and set and reset the clock on forbearances and deferments for the past seven years, and now the balance is stuck at $59,000. I won't talk like a soap opera and go into all the deaths and diseases and debts that have popped up along the way since then, except to say I think I make a good case for undue hardship - don't we all?
Where I'm at right now is, well, the start - gathering my documentation and finding a lawyer.
Thanks a bunch in advance.
Just any details whatsoever that haven't been posted before. For me and others lurking.
For example.....
Did anybody represent themselves?
For those who had a lawyer, did the lawyer charge $5000 or what for the adversary proceeding? Did the lawyer accept a payment agreement?
Instead of the whole adversary business, was anybody advised to take the Ch. 13 route for the student loans and Ch. 7 for the credit cards?
Or can you do that Ch.13 at all? Particularly if you're self-employed and your income varies from month to month?
Anybody in the Nashville, Tennessee area try to bankrupt their student loans? A TN attorney name would be terrific, too.
How did you begin the process - did you ask the attorney before any consultation if he or she would be open to doing an adversary proceeding? I only ask because some lawyers say you can't do it, period, and we know you can - it's just extremely difficult.
Did anybody undergo a psychological evaluation so they could honestly declare themselves permanently mentally disabled? Seriously.
I've read that Chuck Stewart book, and it has a lot of useful info, although he only devotes a page to the trial process, saying you win in the mediation. And his position on representing yourself makes sense, but I doubt I can do it, and I read everywhere else that a lawyer is a must in this situation. I reckon that's true.
In my case, I've had student loans for 14 years, originally $57,000, I put over 22,000 bloody dollars on them until I could afford to do it no more and set and reset the clock on forbearances and deferments for the past seven years, and now the balance is stuck at $59,000. I won't talk like a soap opera and go into all the deaths and diseases and debts that have popped up along the way since then, except to say I think I make a good case for undue hardship - don't we all?
Where I'm at right now is, well, the start - gathering my documentation and finding a lawyer.Thanks a bunch in advance.
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