A tremendous concern for bankruptcy lawyers nowadays is the incredible difficulty in discharging student loan debt.  (See Elizabeth Warren’s comments). It used to be (just before the turn of the century) student loans which were in default for over 7 years could be discharged.  With high pressure and effective lobbying from the credit industry this…

When your debt is starting to mount and you feel that you need to confront the creditors, (or they are hounding you like wild wolves) you may be thinking about debt settlement companies to assist you.  There is a lot of advertising out there and it is very alluring.  While these plans may sometimes work,…

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