Stop Student Loan Garnishments

Dallas - Houston - South Texas Consumer Bankruptcy Lawyer Can Help You Stop Student Loan Garnishments

Student loans are not dischargeable under bankruptcy unless the debtor can establish undue hardship. For a student loan to be dischargeable, you must establish that if you are forced to repay the student loan, you will be unable to maintain a minimal standard of living for yourself and your dependents, that your solvency will not be corrected for significant period of time and that you have made a good-faith effort to repay the student loan before the bankruptcy filing.

Few debtors meet the high standards of undue hardship, but that does not mean the bankruptcy laws cannot be used to your benefit if you have student loans pending that prevent you from paying other debts.

If you are in serious financial trouble, you might be able to file for bankruptcy. And seeking legal advice is essential when you need explanations of the complicated bankruptcy codes.

With offices throughout Texas (including the DFW Metroplex and North Texas, the Houston area, and South Texas), Bailey & Galyen provides experienced bankruptcy representation and sound advice about bankruptcy and how to stop student loan garnishments and collection efforts throughout Texas.

When you retain our services, you have a team of bankruptcy lawyers on your side, including a board-certified consumer bankruptcy specialist*. With more than 50 years of combined experience, your team of bankruptcy lawyers will provide you with leverage in dealing with student loan garnishments and government loan collection agencies while protecting your interests and guiding you through the complexities of the bankruptcy laws and processes.

For additional information about us and the benefit of retaining our services, please visit the Benefits of Retaining Bailey & Galyen page.

Experienced Texas Bankruptcy Lawyer Can Help Stop Student Loan Garnishments and Harassment

Our experienced bankruptcy lawyers can analyze your situation and provide you with the information and advice you need to make an informed decision about whether bankruptcy is a viable option.

Bankruptcy can accomplish the following regarding your student loan:

• Stop garnishments
• Stop harassment
• Buy time to increase your income for repaying the loan
• Discharge other debts to free up income for repaying the loan

Both a Chapter 7 bankruptcy and a Chapter 13 bankruptcy can effectively stop student loan collection efforts. To determine which type of bankruptcy is best, you should discuss your situation with an experienced bankruptcy lawyer.

Contact a Texas Board - Certified Consumer Bankruptcy Specialist and Bankruptcy Lawyer About Student Loan Garnishment and Collections

If you would like to obtain additional information about how to use the bankruptcy laws to stop a student loan garnishment and harassment or collection efforts, explore your options, learn about the bankruptcy process or discuss your situation with an experienced Texas personal bankruptcy attorney, please schedule a free initial consultation by calling us toll free at 877.345.6767 (Dallas–Fort Worth area), 866.715.1529 (Houston area) or 866.678.1900 (South Texas). If you prefer, you can fill out our intake form, and we will contact you to schedule a consultation.

We provide affordable payment plans for fees. Bankruptcy might not help you, but you need to know and understand your options. Talk to us today.

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* Board Certified as a Consumer Bankruptcy Specialist by the Texas Board of Legal Specialization

Download our client intake form.

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