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Why student debt is nearly impossible to discharge in bankruptcy

If you research Chapter 7 bankruptcy, you may come across the confusing fact that student loan debt is not dischargeable except under narrow conditions. Especially if you aren’t able to pay your student loan bills, this may seem unreasonable, but this is a special case for several reasons.

When bad things happen to good people

John Smith (not his real name) began to receive collection phone calls after he went from a two-income household down to a one-income one. Then, John lost his job when his employer needed to reorganize. If that wasn’t bad enough, his wife took his hunting dog when she left. Yes, John is having a country music kind of year.

The trustee's role in bankruptcy proceedings

When a person files for bankruptcy protection, it is not likely that they will face their creditors in court. They may not actually appear before a judge as well. However, they will certainly sit down with a bankruptcy trustee. This post will briefly highlight the trustee’s role in the bankruptcy process and explain some of the questions debtors may be asked during their meeting.

A checklist for dealing with overwhelming debt

Debt is stressful, especially when you are behind on payments. Worse yet, debt collectors may start sending relentless letters and calls. It can feel like giving up is the best answer. There are strategies to pay down overwhelming debt even when it appears impossible. Consider the following checklist for getting out of debt quicker.

Will you lose your house in chapter 7 bankruptcy?

Many people struggle for years with high debt and aggressive creditors instead of pursuing bankruptcy. They may worry that declaring bankruptcy will ruin their credit, take away their car and maybe even their house. Losing a house is a particularly strong pain point. Homes are central to our lives – they carry special memories, provide shelter and represent a family’s unique personality.

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