{"id":426,"date":"2014-02-26T01:32:06","date_gmt":"2014-02-26T01:32:06","guid":{"rendered":"http:\/\/bankruptcy.thompsonwedeking.com\/?p=86"},"modified":"2014-03-13T16:24:59","modified_gmt":"2014-03-13T16:24:59","slug":"consolidate-student-loans","status":"publish","type":"post","link":"http:\/\/www.thompsonlawsd.com\/consolidate-student-loans\/","title":{"rendered":"Consolidate Student Loans"},"content":{"rendered":"<h2>San Diego Bankruptcy Attorney<\/h2>\n<p>Most bankruptcy attorneys know as a general rule that student loans cannot be discharged in a\u00a0<b>Chapter 7 bankruptcy<\/b>. \u00a0It is possible, but very difficult. \u00a0The debtor must meet certain standards of undue hardship in order to have the debt discharged under Chapter 7. \u00a0Student loans should be handled by your San Diego bankruptcy attorneys in a Chapter 13 debt relief plan.<\/p>\n<p>As bankruptcy attorneys know, a Chapter 13 debt relief plan is one of reorganization. \u00a0In a Chapter 13 case, individuals propose a repayment plan to the Chapter 13 trustee on how they will be able to repay certain creditors based on their future income. \u00a0The Chapter 13 debt relief plan will allow them to make-up delinquent payments on student loans, cars and other secured debts. \u00a0If they cannot meet the student loan undue hardship standard under a Chapter 7 bankruptcy or Chapter 13 bankruptcy, there are other benefits of including their student loans in a debt relief plan. One benefit is that they determine the size of the payment rather than the student loan company. \u00a0Another is that there are no harassing phone calls or collection actions during the Chapter 13 plan. \u00a0These are all things you should discuss with your bankruptcy lawyers.<\/p>\n<p>Some\u00a0<b>San Diego bankruptcy lawyers<\/b>\u00a0like to allocate more of the debtor&#8217;s money to student loan debts rather than other debts. Your other debts will be completely discharged after 3 to 5 years. \u00a0Bankruptcy lawyers will say that the debtor will continue to pay on his or her own rather than having the Chapter 13 trustee pay it out of the plan. \u00a0This has the net effect of reducing the debtors obligations under the Chapter 13 plan. \u00a0Your bankruptcy lawyers will be able to structure the Chapter 13 plan for you.<\/p>\n<p>The student loan companies will be very aggressive in trying to collect any student loan debt owed. \u00a0You need an aggressive bankruptcy lawyer to fight back. \u00a0For over 35 years, Thompson | Wedeking has helped thousands of individuals in San Diego, Southern California and California get the fresh start and student loan relief they deserve. \u00a0Call our office today at 619.615.0767 for more information.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>San Diego Bankruptcy Attorney Most bankruptcy attorneys know as a general rule that student loans cannot be discharged in a\u00a0Chapter 7 bankruptcy. \u00a0It is possible, but very difficult. \u00a0The debtor must meet certain standards of undue hardship in order to have the debt discharged under Chapter 7. \u00a0Student loans should be handled by your San [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[10],"tags":[],"class_list":["post-426","post","type-post","status-publish","format-standard","hentry","category-chapter-13-debt-relief"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can you file bankruptcy for student loans? || Thompson | Wedeking<\/title>\n<meta name=\"description\" content=\"The Thompson Wedeking Bankruptcy article library provides all the information you need on Chapter 7, Chapter 11, and Chapter 13 Bankruptcy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.thompsonlawsd.com\/consolidate-student-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can you file bankruptcy for student loans? || Thompson | Wedeking\" \/>\n<meta property=\"og:description\" content=\"The Thompson Wedeking Bankruptcy article library provides all the information you need on Chapter 7, Chapter 11, and Chapter 13 Bankruptcy.\" \/>\n<meta property=\"og:url\" content=\"http:\/\/www.thompsonlawsd.com\/consolidate-student-loans\/\" \/>\n<meta property=\"og:site_name\" content=\"Bankruptcy Lawyer\" \/>\n<meta property=\"article:published_time\" content=\"2014-02-26T01:32:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2014-03-13T16:24:59+00:00\" \/>\n<meta name=\"author\" content=\"Anthony Thompson\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Anthony Thompson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"http:\/\/www.thompsonlawsd.com\/consolidate-student-loans\/\",\"url\":\"http:\/\/www.thompsonlawsd.com\/consolidate-student-loans\/\",\"name\":\"Can you file bankruptcy for student loans? 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