Robert B. Vandiver, Jr., Attorney at Law

12/29/2022

How College Loans Got So Evil

Good news! If you have a federal student loan, the Department of Education has now announced a new program where they might just agree that your federal student loans are dischargeable in bankruptcy under a newly relaxed "undue hardship" standard. Call me and I will explain.

12/18/2022

Federal student loans can now be discharged in bankruptcy much, much easier than they were previously. The Dept of Education has greatly relaxed the standards to qualify for an “undue hardship” discharged. This is THE most promising and hopeful change in years. If you have federal student loans (not private student loans), call me and I will review your situation for free.

12/23/2021

A judge stripped a veteran's $221,000 in student-loan forgiveness, and it shows how hard the law makes it to get rid of student debt

https://www.facebook.com/128015890542670/posts/4999321850078692/?d=n

The judge found that Kevin Rosenberg, a Navy veteran, didn't show that the debt caused him "undue hardship."

11/09/2021

Household debt total passes $15 trillion for the first time

Total Household debt continues to climb. If you are one of the families pushed past your limit, let me help you.

Household debt passed $15 trillion for the first time in the third quarter, as rising prices pushed up balances for homes and autos.

09/23/2021

Robert B. Vandiver, Jr., Attorney at Law updated their address.

Robert B. Vandiver, Jr., Attorney at Law updated their address.

11/04/2019

Why are so many people over 55 going bankrupt?

Medical debts are a big burden, especially as we get older. As this article explains, bankruptcy can help you wipe out your medical debts and get a fresh start!

There’s one big reason bankruptcies have skyrocketed among older Americans, and how to bounce back.

10/31/2019

Happy Halloween!

08/28/2019

What Happens When You Don’t Pay a Hospital Bill

Debt collectors will go to any length to collect. Bankruptcy stops them in their tracks.

As Americans sink under medical expenses, debt collectors go to great—and sometimes strange—lengths to collect.

08/28/2019

How College Loans Got So Evil

A brilliant explanation of where we are with student loan debt. A little alcohol (student loan) is ok. But too much can ruin your life.

08/27/2019

If your debt has become unbearable, if you don't see a way out, if you are tired of the constant robo calls demanding money, ...... call me and let us explain to you how bankruptcy can wipe all these problems away. I don't charge you anything to explain your bankruptcy options. I won't pressure you to file bankruptcy. It always remains your choice whether to file or not. My years of experience has taught me how to explain bankruptcy in such a way that you can clearly see the benefit to just starting over financially, IF that is the best thing for you. Don't listen to what other people say about bankruptcy, what it can or can't do for you. Get the right information from someone who does this every day, and who has filed thousands of cases.

03/29/2019

Getting rid of debt may actually make your brain work better

Getting rid of debt will actually help your mind work better!

It doesn’t just feel good to pay off debt, it can improve how your mind works, new research suggests.

03/05/2019

U.S. Credit Card Debt Closed 2018 at a Record $870 Billion

Credit Card debt has now hit a record $870 billion. If you are one of those struggling under this crushing weight, you may be able to discharge it in bankruptcy.

U.S. Credit Card Debt Closed 2018 at a Record $870 Billion

03/01/2019

Why Americans are suddenly paying $550 per month for new cars

The amount of the average payment for a new car loan is at an all time high. Many times, we are able to stretch out the term on a car loan and lower a car payment when you file Chapter 13 bankruptcy.

The average price of vehicles hit an all-time high in recent months — and with interest rates rising, car shoppers are now borrowing more than ever.

03/01/2019

Nearly two-thirds of millennial homeowners have regrets about their purchase, survey finds — Bankrate

Owning a home takes long term planning. Often, the problem is debts you will never pay off. Bankruptcy is an effective way to deal with overwhelming debt so that you can get back on track, and purchase a house. Many people find that they will qualify for a home loan just 3 years after filing bankruptcy.

After chasing the homeownership dream, the financial realities weigh on younger Americans.

02/22/2019

Expect These 7 Student Loan Changes In 2018

Information about Student Loan debt programs.

There are some big changes that could impact your student loans.

12/02/2018

Don’t you hate to call a business and get a computer recording? I do too. When you call my office during business hours, 8 am to 5 pm, we answer the phone!

10/21/2018

The Student Loan Debt Crisis Is About to Get Worse — Bloomberg

Student loans are difficult to deal with. They generally can’t be discharged in bankruptcy. And they are getting worse.

While Wall Street and U.S. President Donald Trump tout news of a booming stock market and low unemployment, college students may be quick to roll their eyes. The improved economy has yet to mean higher wages for graduates already struggling to pay down massive debt, let alone ease the minds of stude...

06/20/2018

Carolyn Crocker Vandiver's Obituary on The Jackson Sun

The office is closed from 2:00-5:00 for Mrs Vandiver’s services.

Read the Obituary and view the Guest Book, leave condolences or send flowers. | Carolyn Crocker Vandiver Jackson - Carolyn Crocker Vandiver, age 81 of Jackson, passed away on Monday, June 18, 2018 with her loving husband and children at her side. The family will receive