Can you get rid of student loan debt in bankruptcy? This is a common question asked of bankruptcy attorneys for the simple reason that Americans owe an estimated two trillion dollars in loans incurred for schooling. If you are one of those people who went to college and ended up owing $10,000, $20,000, $30,000 or even more to Sallie Mae or another student loan lender, you know how difficult it can be to survive financially. Paying back student loans can be nearly impossible especially when career jobs are difficult to find, the degree you earned may not be in demand, or you never actually obtained a degree after several years of schooling. In fact, many people carry student loan debt that they will never be able to repay. The result is that you will never be able to build a secure financial future. That’s a very bleak prospect, indeed.
Santa Rosa Bankruptcy Lawyer
Law Offices of Brian Barta - Sonoma County, California
If you are facing mountains of medical debt or credit card debt liability that attracts harassing creditors and darkens your family's future, you may be wondering if a personal bankruptcy filing could put your financial problems behind you.
You won't know for sure until you have spoken with an experienced Santa Rosa bankruptcy lawyer — someone who sympathizes with your situation and knows strategies that can bring you back.
Attorney Brian Barta has effectively assisted Sonoma County families like yours for over 20 years. He wants you to know that bankruptcy protections are "on the books" for a reason: to help individuals and families who have fallen on financial hard times through no fault of their own. If you are a casualty of the national recession — jobless or fearing home foreclosure, motor vehicle repossession and garnishment of your wages — Brian Barta has the hard facts and comforting leadership you need.
Your first stop on the road to financial freedom is a free initial consultation with a Santa Rosa debt relief attorney at our law firm. Call (707) 542-2844 or fill out our online form today!
Helping Santa Rosa and Sonoma County Families for 20 Years
Attorney Brian Barta's goal for you is a life after bankruptcy that is free of overwhelming debt, damage to your credit, foreclosure fears and the sleepless nights that come with them.
He provides an individualized approach, educating you on your options and helping you select the type of bankruptcy solutions that will best help you experience lasting debt relief and financial freedom. Whether you are facing credit card debt, medical bills or significant outstanding debts, he will help you either discharge the debt or make it more manageable through Chapter 7 or Chapter 13 bankruptcy.
- Chapter 7 Bankruptcy— Also known as liquidation bankruptcy, this allows you to discharge all unsecured debt, including credit card bills and medical bills.
- Chapter 13 Bankruptcy— Known as reorganizational bankruptcy, this option restructures your debt into comfortable three- to five-year repayment plans. While you must still pay back much of the debt, it is accomplished in a much more manageable manner. You are also usually able to keep the assets associated to this debt, paying them down over time.
Both forms of consumer bankruptcy allow the individual relief from the strain of debt and harassment of creditors. As soon as you file for bankruptcy, an automatic stop is put to all garnishments, creditor contact, foreclosure proceedings, and car or truck repossessions.
To experience this relief, you must take the first step of contacting an attorney and learning your options in filing for bankruptcy.
At the Law Offices of Brian Barta, we believe that bankruptcy is a benefit to all of us. Why? Because once you repay, reorganize or restructure your debt, you can get back on your feet and return as a participating member of society.
Your Initial Consultation With an Attorney is Free
Contact experienced Santa Rosa bankruptcy attorney Brian Barta for the free consultation that could turn your life around. Call us at (707) 542-2844, or e-mail us. If you need an evening appointment, we can provide it. We also serve clients throughout the north Bay Area, including Petaluma, Windsor, Healdsburg, Rohnert Part, Cotati, and others. Se habla español.
We are a California debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Authored by Brian Barta