October 20, 2019

About Jonathan Ginsberg

Jonathan Ginsberg has served the Atlanta area community as a personal bankruptcy and student loan debt management lawyer for over 25 years. Contact Jonathan for straight answers to difficult debt problems.

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Student Loan Debt Settlement

You may have heard that student loan debt is impossible to deal with.  That the monthly payment set out in your statement is not negotiable and that if you don’t pay, your tax refunds will be seized, your wages garnished and your credit destroyed.
Hi, I’m Jonathan Ginsberg and for the last 25 years I have served clients as a consumer bankruptcy lawyer.  And let me tell you that very little is written about student loans in the bankruptcy world.  Ask most bankruptcy lawyers and they’ll tell you, correctly, that student loan debt cannot be discharged in bankruptcy unless you can show extreme hardship, a standard which is almost impossible to prove.  So if you call most bankruptcy lawyers and ask them “what can I do about student loans,” the answer will be – there is nothing I can do, you have to pay them.
If you stop there, however, you’re only getting half the story.  Yes, bankruptcy law is unforgiving.  However, federal laws outside of bankruptcy contains a multitude of provisions that allow you to restructure your loans to get a lower monthly payment based on your budget, and provisions that allow for partial or total forgiveness of loans.  And that’s just the beginning.
I ran a quick count and I have come up with 29 different strategies that may be available to you to decrease your payment and/or reduce your total balance.
Unfortunately, many of these borrower friendly laws are buried in the statute books and not well understood or explained.  According to government statistics, only about 2% of eligible student loan borrowers are currently taking advantage of debt reduction plans that they qualify for.  Only 2%.  That’s why I have added student loan debt settlement to my law practice and why I have created this web site.
So, if you owe money for student loans and you are unhappy with the size of your monthly payment, call me.  Even if you are in default I can probably help.  I’m attorney Jonathan Ginsberg and you can reach me at 770-393-4985 or email me using the form on this page.  I look forward to helping you eliminate the stress in your life caused by student loans.
Ginsberg Law Offices, P.C.
Federal law offers student loan borrowers many opportunities to restructure their debt and reduce monthly payments.
1854 Independence Square
Phone: 770-393-4985