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Student Loans in Bankruptcy

Phoenix Student Loan Debt Lawyer

With the rising costs of education, student loans are becoming harder to pay off. For Phoenix area residents struggling in this down economy, student loans are generally difficult to discharge in bankruptcy. In order to have a case for discharging your student loans, there must be an "undue hardship". Undue hardship in the bankruptcy context is very different from what normal people consider to be undue hardship. For instance, many people (myself included) would consider having $50,000 or more in student loans and only earning $10 per hour an undue hardship. To the dismay of my Arizona clients, this is not often the case.

Proving Undue Hardship in Bankruptcy

Undue hardship in bankruptcy is very difficult to prove and, essentially, if you have a pulse and can earn money, it will, at the very least, be difficult to be able to include your student loan debt with your other debts that are discharged. However, if you are an individual with a disability that makes you unable to work, there is a better chance that your student loan debt can be discharged in the bankruptcy due to your student loan debt being an undue hardship. This is an area of law where a knowledgeable attorney is essential. Of course, if you are an Arizona resident, you need to consult with an experienced bankruptcy attorney who is licensed in the state of Arizona.

Student Loans in a Chapter 13

Although your student loans may not be dischargeable, a Chapter 13 bankruptcy may still offer a benefit to you if you are behind on your payments. A Chapter 13 bankruptcy can enable you to get caught up on your student loan payments over the course of your plan. This will allow you to be caught up and start fresh once your Chapter 13 plan is completed.

Contact Us to Learn More About Student Loans in Bankruptcy

If you are struggling with student debt, contact a Phoenix bankruptcy attorney to discuss your options. Call us at 480-845-0145 or send us an e-mail, and we will respond promptly. We look forward to meeting with you in a free consultation.

We are a debt relief agency. We help individuals and businesses file for bankruptcy relief under the Bankruptcy Code.

Contact Us for a Free Consultation
Office Locations

Phoenix Office
Wright Law Offices
668 N. 44th St., Ste 320
Phoenix AZ 85008

Telephone: 602-456-6085 / 866-703-3287
Phoenix Law Office

Scottsdale Office
Wright Law Offices
7135 East Camelback Road, Ste 230
Scottsdale AZ 85251

Telephone: 480-845-0145 / 866-703-3287
Scottsdale Law Office

Tempe Office
Wright Law Offices
2238 S. McClintock Dr.
Tempe AZ 85258

Telephone: 480-845-0145 / 866-703-3287
Tempe Law Office

Avondale Office
Wright Law Offices
12725 W Indian School Rd, Suite E-101
Avondale AZ 85392

Telephone: 623-258-4480 / 866-703-3287
Avondale Law Office

Prescott Office
Wright Law Offices
1129 Iron Springs Rd
Prescott AZ 86305

Telephone: 623-258-4480 / 866-703-3287
Prescott Law Office

Mesa Office
Wright Law Offices

1731 W. Baseline Rd.
Suite #100
Mesa, AZ 85202
Telephone: 480-845-0145 / 866-703-3287
Mesa Law Office

Glendale Office
Wright Law Offices
20325 N. 51st Ave., Suite 134
Glendale, AZ 85308
Telephone: 623-258-4480 / 866-703-3287
Glendale Law OFfice

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