Glendale Student Loan Attorney

Empathetic Legal Guidance on Student Loan Debt Relief Options

You are not alone if you are struggling to keep up with your student loan debt. Nearly 6 million people are at least 1 year behind in making payments. Unfortunately, too many assume there is little they can do about their student loan debt. This can be a tragic mistake: Student loan creditors have the ability to garnish as much as 15% of your wages after learning you are unable or unwilling to continue making payments. Even retirees are not out of the woods, as creditors can garnish Social Security benefits. 

In many cases, the best way to address your student loan debt is to take decisive action to address your finances. The Law Office of Larry P. Karandreas can help you secure many forms of debt relief. As a Glendale student loan lawyer, I strive to help clients throughout Arizona leverage bankruptcy and other tools to overcome seemingly insurmountable levels of debt. 

I am committed to helping you obtain a fresh financial start. Contact us online or call (623) 254-5505 to learn more about how my firm can address your student loan debt.

Can Student Loans Be Discharged in Bankruptcy?

Contrary to popular belief, there are situations where you can discharge student loans through bankruptcy. It is still difficult to discharge student loans, but it is not impossible. 

The law allows bankruptcy filers to eliminate student loans if paying them creates an “undue hardship” for you and your dependents. Proving “undue hardship” can be challenging, and not everyone will qualify. However, even if you do not qualify to discharge student loans under the “undue hardship” standard, I have substantial experience implementing other debt relief strategies that can ease your student loan stress. 

Legal Awards
  • State Bar of Arizona
  • Seal of the Supreme Court of the United States
  • Arizona Consumer Bankruptcy Counsel
  • Seal of the Supreme Court of Arizona
  • Avvo Clients' Choice 2016 Chapter 13

Discharging Student Loans in Bankruptcy Through “Undue Hardship”

Arizona bankruptcy courts will carefully assess your claim of “undue hardship” if you attempt to discharge student loans. Most courts will evaluate your financial position based on criteria outlined in the Brunner Test.

Under the Brunner Test, you may qualify to discharge student loans through bankruptcy if:

  • You cannot maintain a “minimal” standard of living based on your current income and expenses
  • Your financial situation is unlikely to substantially change in the future
  • You have made a good-faith effort to pay your student loans

As a Glendale student loan attorney, I can evaluate your circumstances and advise whether you are likely to meet the “undue hardship” standard. If you do appear to meet these criteria, I will work with you to file an adversary proceeding, which functions as a sort of lawsuit within the bankruptcy case. A successful adversary proceeding will authorize the discharging of your student loans. 

How Bankruptcy Interacts with Student Loans Without “Undue Hardship”

Many bankruptcy filers will not qualify to discharge student loans under the “undue hardship” standard. However, filing for either type of consumer bankruptcy can still facilitate relief.

If payment of your student loans does not represent an undue hardship in a Chapter 7 bankruptcy, you will still be expected to pay them once your bankruptcy has concluded. You will, however, be able to discharge unsecured debts like credit card debt, medical debt, and unpaid utility bills. 

You will also typically be able to discharge unsecured debts in a Chapter 13 bankruptcy even if you are unable to eliminate student loans. This can free up resources and give you financial flexibility to catch up on student loan payments. 

Filing for Chapter 13 presents another key advantage: Your student loan lender cannot demand full payment of the loan at once while your bankruptcy case is active. Chapter 13 bankruptcy involves a reorganization of your debts into a lump monthly payment you make to a trustee over a period of 3-5 years. This means you will have some protection from student loan lenders for multiple years, giving you peace of mind and time to improve your finances. 

Because of Larry’s assistance we now have a fresh start. Our advice, call him, sooner rather than later, he has the answers.
Steve & Susanne L.

What Makes Larry Karandreas Different?

  • A Bankruptcy Lawyer Who Cares
    With an over 90% success rate, Attorney Larry Karandreas takes your case seriously. He personally handles all client correspondence, never overbooks his schedule, and makes sure every client receives his full attention.
  • Limited Caseload to Ensure Personalized Attention
    Attorney Karandreas ensures that his caseload is not overloaded in order to provide top-quality care and attention to each of his clients.
  • Little to No Money Down on Bankruptcy Filings
    We offer as low as $0 down on Ch. 13 filings and as low as $700 on Ch. 7 filings for qualifying cases.
  • Nearly 30 Years of Bankruptcy Experience
    Although Attorney Larry Karandreas has done other areas of law, he is focused on providing top quality bankruptcy services because he gets to help people with particularly challenging cases.

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