THE NEEDLEMAN LAW OFFICE
ATTORNEY SCOTT R. NEEDLEMAN
Columbus Ohio Bankruptcy
"As a Columbus, Ohio bankruptcy attorney it has always bothered me to see how many graduates would come through my law office for a bankruptcy consultation only for me to tell them that their student loan debts could not be discharged in a bankruptcy. Helping people who are struggling with debt is my business and my life, therefore I made it my mission to bring student loan debt solutions to my practice. The fact is that while most bankruptcy lawyers cannot directly help to reduce your student loan payment or to even help you to gain student loan debt forgiveness, my Columbus, Ohio student loan debt help office can help."
Nationwide, student loan debt is over 1.3 trillion dollars and growing by the minute. Student loan debt has now exceeded credit card debt in this country and is a major problem facing graduates in Columbus, Ohio.
If you are reading this, then you may already have experienced attempting to work directly with your lender(s). Remember, the student loan servicers are in business to make money from your student loan debts. The lender knows that you are in survival mode, and typically will offer a forbearance or deferment as breathing room. A student loan forbearance or deferment temporarily suspends your payments. The reason it is good business for the student loan servicer to be so generous is because they make interest on the principal while your payments are suspended, thus your student loan debts continue to accumulate. When the forbearance or deferment expires, you are right back where you started, except your student loan debts are even higher.
If you are in default, the student loan servicers can take money from you without even filing a lawsuit. It is known as an administrative wage garnishment. The student loan servicer can even take your income tax refund to offset your student loan debt.
My student loan debt relief solutions service has a process to get you out of student loan default in order to help you to qualify for many of the available programs to resolve your student loan debt problems.
In addition to other debt relief solutions, my student loan debt help office can help you to seek a number of federal programs that can assist you in survival, some of these programs include IBR, IDR, ICR, Hardship Discharges, Public Service Forgiveness, Administrative Discharge, School Closing Discharge, Fraudulent Application, Public Student Loan Forgiveness programs for teachers, government workers, and also employees of 501 C 3 not for profit corporations among others. As a part of the student loan debt relief service provided, you will be made aware of what programs that you may qualify for and what programs that my process may help you to qualify for.
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