Student Loan Lawyer protecting consumers through the repayment process.
Don’t hold your breath if the Supreme Court gets involved.
In deciding the fate of student loan forgiveness, the Supreme Court may consider if the plan causes harm or is an overstep of executive authority.
The problem with the student loan programs is the difficulty in determining your eligibility.
If the Supreme Court decides to strike down President Joe Biden's student loan forgiveness plan, it'll be a bigger loss for some groups than others.
Lawyers are not all created equal. If you ever wanted to know who flung poo, here’s your answer. Finally.
This is quite the ethics sh*tuation.
We need to ttell the truth about how bankruptcy is a powerful tool for eliminating debt. Changing your money behavior patterns is the hard part to avoid the trap again. If all Americans avoided paying interest for anything but cars, or homes, then banks would need another income stream.
From an illustrated guidebook to self-help books, these are the best books experts recommend for learning how to manage money and get out of debt.
Recently, the U.S. Department of Justice and Department of Education released new guidance for the government when handling requests to discharge federal student loans in bankruptcy. NACBA, with allies at NCLC, the Student Borrowers Protection Center and others have been working for more than year with folks at the Departments of Education and Justice on this reimagined and liberalized guidance for the application of the Brunner Test. While we are still analyzing the exact details, which for compliance with the Administrative Procedures Act and other government regulations we are only just now seeing, this is a hopeful development for the discharge of student loans.
Up until today, the current bankruptcy law treats student loan borrowers who face severe financial difficulties in the same, severe manner as people trying to escape child support payments, alimony, overdue taxes, and criminal fines. NACBA has always held the position that such treatment is illogical and has long fought for and supported the full discharge of both federal and private student loans in bankruptcy. It is important to note, these guidelines only provide relief for federal student loan borrowers.
https://www.justice.gov/civil/page/file/1552681/download
At Surf City Lawyers, we've discharged more than $3 Million in student loans for our clients. Give us a call at 714-533-9210 to see if you qualify under these new guidelines! We look forward to serving you.
My clients are past age 40. I also see issues with advanced degrees where they don’t make it through the entire program.
When I tell people that one part of my practice is helping deal with student loan debt, many assume that those clients are in their 20s or 30s. Nope. The majority of my student loan clients are at least 50, and many are in their 60s or 70s. I haven't actually had anyone that hit the 100 year mark yet, but I have seen a couple in their 80s.
These are people who:
A. Went back to grad school themselves; or
B. Signed for their children's student loans (often more than one child, and those "children" are now in their 30s); or
C. Both. That's where you can really rack up the big numbers.
We can't often actually get rid of student loan debt, but we can usually make it manageable, and many of my clients who owe $100,000 or more (sometimes a LOT more) have payments of less than $100 per month. Some have payments that are literally zero.
The moratorium on collection of federal student loans ends on Aug. 31, and it takes a couple of months for some of these processes to play out, so now is the time to get things under control. My fee for a comprehensive student loan analysis is only $199. After that you will know everything that you need to know about your student loans. Sometimes that's all you really need.
Have you bought the book yet?
https://www.amazon.com/How-Tame-Student-Loan-Dragon/dp/0990689816
How To Tame The Student Loan Dragon
The government's failure is catastrophic and I'll use it against them in these Undue Hardship bankruptcy discharge cases!
https://www.nclc.org/uncategorized/new-government-data-exposes-complete-failure-of-education-departments-income-driven-repayment-program.html
FOR IMMEDIATE RELEASE: March 8, 2021 Contacts: National Consumer Law Center: Jan Kruse ([email protected]) Student Borrower Protection Center: Walter Suskind ([email protected]) Just 32 Students Have Received Promised Debt Cancellation as 2 Million Remain Trapped in Decades-Old Debts; Advoca...
This just in! This is just a start to solving this crisis! Stand by for updates as the court approves the settlement and my opinion on what this means for you and what's next!
https://www.cnn.com/2022/01/13/politics/navient-student-loan-settlement/index.html
More than 400,000 student loan borrowers will get some debt relief from Navient, according to a $1.85 billion settlement agreement announced Thursday.
How long will you wait for your government to rescue you? It's time to take control over your student loans and be your own best advocate.
Christine A. Kingston wrote her book for the 43 million Americans struggling with their student loans. This is a textbook that will guide you from pre-planning for college and strategies for tackling those loans when they're out of control.
Available wherever books are sold!
ANNOUNCEMENT! Attorney Christine Kingston is launching her next book on May 11, 2021. Available wherever books are sold! We'll provide a link once launched!
Are you interested in having your Discharged in Act now and call on Congress to Restore the Student loan discharge in Bankruptcy. This is a Bipartisan Bill submitted by Rick Durbin (D-Il) and John Cornyn (R-TX). Check out the video from the hearing on this issue today.
https://www.judiciary.senate.gov/meetings/student-loan-bankruptcy-reform
United States Senate Committee on the Judiciary
Available in Ebook too! https://www.kobo.com/us/en/ebook/how-to-tame-the-student-loan-dragon
Read "How To Tame The Student Loan Dragon" by Christine A. Kingston available from Rakuten Kobo. Admit it. We have a student loan debt crisis that is holding 43 million Americans hostage over more than $1.7 trillion d...
I'm so excited to tell you that How To Tame The Student Loan Dragon is in Barnes & Noble! Please share this to spread the news about this important work we're doing.
https://www.barnesandnoble.com/w/how-to-tame-the-student-loan-dragon-christine-a-kingston/1139662156
Admit it. We have a student loan debt crisis that is holding 43 million Americans hostage over more than $1.7 trillion dollars in student loan debt. The new government administration is promising to improve upon the administrative remedies, but will that be enough? Will student loans become...
My new book is now available wherever books are sold! Please help spread the word about this work. It will help the millions of Americans overburdened by their
We are still able to obtain settlements in most cases. Settlements include reduction of principal, reduction of interest rates, and an affordable payment on a definite term. Unfortunately, if you don't have any room in your budget to make even a minimum payment, then negotiations will fail. Otherwise, be prepared to go to trial.
https://www.forbes.com/sites/zackfriedman/2021/06/22/student-loan-cancellation-denied-by-supreme-court-heres-why/?sh=6608fdd638b2
Here's what it means for your student loans.
How To Tame The Student Loan Dragon is Now Available! Wherever books are sold and you can ask your local library to carry it as well. Also in Ebook! More than 10 years work, hundreds of cases and more than $3 Million discharged for my clients!
We now have more options that will not only tame that student loan dragon and bring it under control, but we also have tools we can use to negotiate those private student loans possibly without litigation! They are starting to bend on the pressure of NEVER getting paid. This is what happens every time you bury consumers in too much debt they cannot afford. Just like the mortgage crisis, the student loan crisis needs tending to also.
This article is an opinion piece that looks at where tuition funds are being spent and the fact that they are now being used to espouse "social justice," which is another way of saying that they're supporting radical political ideologies that are destroying the very fabric of our democracy. So, by enrolling in these higher institutions of learning, you are effectively supporting the political activists who have hijacked these institutions. And I thought education was overpriced! The plot thickens!!!
https://www.wsj.com/articles/sorry-prof-were-cutting-you-off-11619974459
Funding higher education now means subsidizing the political activists who have hijacked it.
We have eliminated more than $3 Million in student loan debt for our clients over the past decade. This is what makes our firm unique in the world of bankruptcy and debt relief. We are grateful to serve.
We love working with all who reach out to us. Our mission is to make a difference in your life such that you are left with a new found freedom from debts and a plan for your future.
We are grateful to serve our community.
We now have completely new leadership at the Department of Education. I'm excited to see new results in upcoming student loan adversary proceedings. This article gives me hope that we'll see a more pliable representation of what constitutes Undue Hardship for a student loan bankruptcy discharge. This is a great result.
https://finance.yahoo.com/news/medical-school-graduate-440000-student-loans-discharged-151422886.html
A medical graduate who had about $440,000 in student debt saw 98% of his loans cancelled by a bankruptcy court in California, according to a recent filing.
When you're ready to tackle your student loans whether private or federal, I always recommend you start here. Know your rights.
Student loans are difficult, but not impossible, to discharge in bankruptcy. To do so, you must show that payment of the debt “will impose an undue hardship on you and your dependents.” Courts use different tests to evaluate whether a particular borrower has shown an undue hardship. The most com...
Student loan debt forgiveness is now TAX FREE! This means that if your applications for an administrative discharge is approved, or, if your income-driven plan is complete and the balance is forgiven, you will not owe taxes on that amount forgiven!
This means that our student loan adversary proceedings in bankruptcy will certainly receive this same treatment when we negotiate a settlement on your behalf! I'm sticking this feather in my cap now! Give us a call to see if a bankruptcy discharge for your student loans is right for you.
If your prior applications were denied under our past president, now is a good time to try again!
https://www.vox.com/policy-and-politics/2021/3/8/22319784/student-loan-debt-stimulus-bill
Student loan forgiveness just got a big political boost in the stimulus package.
Let me see if I understand this. Navient takes the entire company on a week-long vacation to Hawaii and now a judge says they deceived borrowers. This is what I am talking about when I say we need to hold the entire industry accountable for this fraud on the American People! Higher Education is currently an overpriced debt trap!
https://www.marketwatch.com/story/student-loan-servicer-navient-illegally-deceived-borrowers-judge-finds-11614984469
Borrowers and their parents and grandparents were among those who suffered when Navient violated a state consumer protection law, the court ruled.
If you're thinking about college, READ THIS FIRST!
Be sure to have a plan in place and get a degree that will last a lifetime and help you build wealth. This is a great article on the pitfalls and landmines in the education business.
https://www.businessinsider.com/student-loan-debt-why-it-will-rise-despite-forgiveness-proposals-2021-3
Many students think of loans as a necessary burden for a high-quality education, one expert said. But this thinking creates a cycle of student debt.
With a 56% Fail Rate, we need a better plan than this! Bankruptcy remains the best path for debt elimination. Let's allow student loans to be included in a bankruptcy discharge! Trust me, there won't be a run on bankruptcies for the wealthy!
https://news.yahoo.com/already-alternative-massive-student-loan-113013284.html
The notion of student-loan cancellations has been capturing the attention of politicians and those in the realm of higher-education policy for well over a year now. Despite the popularity of this hugely regressive idea, it’s a terrible one. Thankfully, there’s a better, more moderate way to addr...
Higher Education in America started out as another great government idea. Today, incomes are stagnant and have not caught up with the more than 230% increase in tuition. Colleges and universities need to be held accountable! Do you want reparations to black Americans, then cancel their student loans!
Anything less regarding student loans only serves to exacerbate income inequality, discrimination and racism in America.
https://www.msnbc.com/american-voices/watch/ag-balderas-canceling-50k-in-federal-student-loan-debt-is-the-quickest-way-to-reform-broken-abusive-system-101373509726
New Mexico Attorney General, Hector Balderas, is one of nearly 20 state attorney generals who sent a letter to Congress urging the adoption of resolutions that call on President Biden to cancel $50,000 in federal student loan debt. They join the growing call from progressive Democrats to cancel stud...
We need to roll back the clock on interest rates permitted for all federal and private student loans and stop punishing those that default! Eliminate the 18% default costs that get added to these dragons and make it easier to bring defaulted loans back in to good standing! They should NOT have to pay 10 x the costs of an education to pay for it!
https://www.vox.com/the-goods/22297809/student-loan-debt-cancel-forgiveness-middle-class
Canceling debt is what’s needed to ensure a solid, equitable middle class.
Here's a sneak peak at the book cover for my new book, How To Tame The Student Loan Dragon, coming on May 11, 2021. What do you think?
While the government dangles carrots in your face, I've been quietly eliminating student loans through bankruptcy. It is my belief that it should not require more than meeting some limited requirements for a discharge.
https://www.cnn.com/2021/02/22/opinions/student-loan-debt-biden-yu/index.html
Persis Yu writes that President Joe Biden's comments on student loan debt misconstrue who exactly holds the most student loan debt in the US, and does not go far enough in providing a solution.
We need to hold the institutions of higher education accountable for the disaster they created as they binged on easy government money by increasing tuition faster than the Roadrunner can escape from Wiley Coyote!
Tuition cannot be allowed to increase by more than 230% without consequences!
More than 43 million Americans owe a collective $1.6 trillion in federal student loans. WSJ’s Josh Mitchell explains how President-elect Joe Biden plans to h...
Don't target the amount of debt, target the income of the borrowers.
Anyone in the borrower's defense catagory should be relieved based upon school fraud. Casting this wide a net may be a windfall for some that are able to pay.
Democrats call on Biden to forgive $50,000 in student debt for all. Who that would help.
Here's a student loan debt relief plan that just might work.
We can help distressed student borrowers without giving excessive taxpayer subsidies to high-earning professionals.
I do NOT recommend taking federal student loans and refinancing them into private student loans because you lose any forgiveness benefits or help if the current laws change and they are about to.
Borrowers of federal student loans could lose out on big benefits if they try to refinance now.
It's not what life gives you, but rather, how you respond that matters. Stay positive.
Yep! I agree with all of this. I believe this was a "set-up" by Sallie Mae back in the 70's when they argued to Congress that if graduates knew about the bankruptcy option, they would all want that.
It didn't happen that way. there was never a consumer rush to file bankruptcy and everyone just accepted it. After the services had the protections against a bankruptcy discharge, they just went about
incremental increases and here we are with a more than 236% increase in tuition over the past 20 years. Did the education get any better? I say no.
Conservatives need to ask that the schools and book publishers lower tuition to price it right for the current market conditions and the Dean is just going to have to take a pay cut from their more than $500,000 annual salaries. For crying out loud. All parties need to look at this issue from multiple perspectives and the right solution will come. Don't force the taxpayers to pay the bill when we have companies behaving badly for the free ride on the government cheese.
This issue is but the tip of the iceberg in terms of income inequality, racism and the division that is readily apparent these days. Bloomberg
Allowing the debt to be discharged could tighten lending standards, put a lid on tuition increases and end shady for-profit universities.
Hey Lifehacker the Consumer Bankruptcy Reform Act of 2020 is now pending before Congress. What if we could get 43 million Americans to push Congress to pass this one?
Check it out: https://finance.yahoo.com/news/bankruptcy-system-student-loans-reform-bill-210233519.html
The good news is the federal student loan payment freeze has been extended through Feb. 1, which gives borrowers some additional breathing room. However, since additional student debt relief beyond that remains uncertain, you should start planning to making those payments again beginning in February...
Here's a great article that explains the current law on student loans and makes a great case for needed changes. The Consumer Bankruptcy Reform Act of 2020 is now pending before Congress. If you want to see change, please call on Congress to pass this Act.
https://lalawyer.advanced-pub.com/?issueID=20&pageID=1
Click to read more...
THIS JUST IN:
Consumer Bankruptcy Reform Act of 2020
This Act is now pending before Congress. The purpose of the Act is to establish a bankruptcy system that helps individuals and families in the United States regain financial stability and protects against abusive and predatory behavior by
1. Streamlining the process of filing for bankruptcy, simplifying court procedures in bankruptcy, and lowering the cost of bankruptcy for both consumers and creditors;
2. Creating a single-chapter consumer bankruptcy system that allows consumers greater flexibility in addressing their debts and prevents disparate treatment of similarly situated consumers;
3. Offering consumers more and better options to deal with their debt, while ensuring fair treatment of creditors;
4. Making it easier for consumers to pay an attorney for counsel or representation in a bankruptcy case;
5. Simplifying the identification and treatment of cases by expanding the number of routine cases that are handled by the court in which there is no chance of a reasonable payment to creditors and reducing paperwork requirements in those routine cases;
6. Allowing modifications of car loans based on the market value of a car;
7. Allowing the discharge of student loan debt on equal terms with most other types of debt;
8. Reducing racial, gender, and other harmful disparities in the availability, accessibility, costs, and outcomes with respect to the bankruptcy process;
9. Ensuring the fair treatment of claimants for domestic support obligations;
10. Reducing abusive creditor behavior; and
11. Closing bankruptcy loopholes that allow the wealthy to exploit the bankruptcy process.
Well now, if that’s not the best Holiday Gift Basket of an Act, I don’t know what is!!!
https://www.warren.senate.gov/newsroom/press-releases/warren-and-nadler-introduce-the-consumer-bankruptcy-reform-act-of-2020 #:~:text=%22The%20Consumer%20Bankruptcy%20Reform%20Act,get%20back%20on%20their%20feet.%22
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It seemed like fate in 2010. On a sunny day, Anna discovered she had been getting mail for another firm close by. So, that sunny day, she brought this mail to the other firm and met Christine and her then partner, John. She immediately liked John, but ironically didn’t like Christine initially. You see, Christine had just come from court and apparently hadn’t brushed off her “Zest for advocacy,” because it felt fierce. Not as in overconfident, but rather, a “Don’t mess with me,” attitude. So, this partnership wasn’t really supposed to happen, but it did. Not long after, Christine had a question about trusts and remembered that Anna’s practice dealt with trusts and estates, so she reached out. Anna sat with Christine and explained what she needed and brought her a book. In that conversation, they talked about Christine’s pending student loan litigation case and Anna offered her further assistance, which began to melt Christine’s heart.
From there, Anna became Christine’s mentor for her student loan litigation and coached her through trial on her first case, which we won. That time spent together is what solidified their friendship and admiration for each other. During this time, they developed their working relationship, as well mentorship and referrals soon followed.
At some time in 2012, Christine struck out on her own, and moved her firm to Lakewood. Her firm grew so fast, that she and Anna decided to share office space and resources. Shortly after, they moved to Huntington Beach.
Attorney Christine Kingston remarried December, 2014. As Christine searched for her wedding dress, Attorney Anna Serrambana offered her wedding dress and said Christine could do whatever she wanted with it, and even gave the telephone number to a fantastic dressmaker. Christine had a completely new dress made by the firm’s Office Manager, Mariela Riva’s mother, Rosa Rivas. So, we really do, “keep it in the family.” As a token of her appreciation, Christine returned the dress to the dressmaker for paying it forward to another bride, and she had pillows made for Anna and herself as a memory of love, family, and friendship.
After four years of sharing office space and resources, but running separate firms, they are merged. The reason they merged is because they discovered along the way that
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