November 23, 2017

Solutions

Clients we serve

1. Recent college or post-graduate school graduates, or student loan borrowers currently in good standing

Review of existing student loan accounts to determine:

  • eligibility for loan consolidation and reduced payment
  • eligibility for reduction of monthly payments based on income
  • eligibility for loan cancellation programs
  • eligibility for loan forgiveness based on favored occupations
  • advisability of a bankruptcy filing, and eligibility for hardship discharge

Help identifying required documentation and help with completing forms and applications

Reminders and help with annual recertification required by most loan modification programs

Negotiations with collection agencies and debt collectors, and assertion of Fair Debt Collection Practices Act and Fair Credit Reporting Act Remedies

2. Student loan borrowers who are delinquent but not yet in default

Review of existing student loan accounts to determine:

  • eligibility for loan consolidation and payment reduction
  • eligibility for deferment and/or forbearance
  • eligibility for loan cancellation
  • eligibility for loan forgiveness based on favored occupations
  • advisability of a bankruptcy filing, and eligibility for bankruptcy hardship discharge

Help identifying, collecting and submitting required documentation, and help completing program paperwork

Reminders and help completing annual recertification paperwork required by most loan modification programs

Advice about combating collection agency misrepresentations and abuses, and assertion of Fair Debt Collection Practices Act and Fair Credit Reporting Act Remedies

Negotiations with collection agencies and debt collectors,

3. Student loan borrowers in default, facing lawsuit or on-going debt collection

Review of existing student loan accounts to determine:

  • eligibility for loan default cures (rehabilitation or consolidation)
  • procedures for cancellation of wage, tax return or Social Security garnishment
  • eligibility for loan consolidation after default cure
  • eligibility for deferment and/or forbearance
  • eligibility for loan cancellation
  • eligibility for loan forgiveness based on favored occupations
  • eligibility for bankruptcy hardship discharge

Help identifying, collecting and submitting required documentation, and help completing program paperwork

Reminders and help completing annual recertification paperwork required by most loan modification programs

Negotiations with collection agencies and debt collectors, and assertion of Fair Debt Collection Practices Act and Fair Credit Reporting Act Remedies

Services We Offer

Please click on the links to learn more about each service.

Bankruptcy

Default Cure

Deferments

Forbearance

Loan Forgiveness

Loan Restructure

 

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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.