Student Loan Assistance Lawyer in Austin, TX

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Bankruptcy Attorney in Katy, TX

Student Loan Assistance Lawyer in Austin, TX

When you started college, paying off debt was the furthest thing from your mind. You took out loans to fund your education, but you were sure you’d pay them off with ease. Now, though, you are staring at mountains of debt and unsure of your options. An Austin student loan assistance lawyer from the Ciment Law Firm can help you get out from under the debt. Learn more about your options, and then contact the law firm for a free consultation.

How a Student Loan Assistance Lawyer Can Help

Are you unsure if you should hire a student loan assistance lawyer in Austin? A lawyer from the Ciment Law Firm can:

How to Get Out of Default

If your student loans are in default, you can repay it in full or choose loan rehabilitation or consolidation. With loan rehabilitation, you must make nine payments over the course of 10 months. These payments are based on your income level, so you should not have to pay more than you can afford. After you make the final payment, the lender removes the default from your credit report.

For a loan consolidation, you will combine multiple student loans into a direct consolidation loan and make one monthly payment. You have to make three on-time payments in a row or apply to consolidate under an income-based repayment plan to qualify for a consolidation loan. This loan can reduce your monthly payments, but the default stays on your credit report.

You can only rehabilitate or consolidate your loans once each, so it’s vital that you select the right plan for your needs. Fortunately, an Austin student loan assistance lawyer can help you weigh your options and select the right one.

Bankruptcy Protection for Student Loans

Bankruptcy courts rarely discharge student loan debt, although it does happen on occasion. To discharge the debt, you have to file an adversary proceeding and prove undue hardship. Courts are hesitant to discharge student loans and have leeway when deciding if the undue hardship requirement is met. In general, you must show the court that you cannot meet the minimal standard of living as long as you are making student loan payments. The financial situation should be long term, and you must have made a reasonable faith effort to handle the debt.

Bankruptcy might be unlikely, but your student loan assistance lawyer in Austin, TX, can help you with other options to resolve your debt.

Options After Defaulting on Private Student Loans

Private lenders often use aggressive tactics to collect student loan debt. These include collection calls and legal action. Your Austin student loan assistance lawyer can contact the lender and attempt to negotiate a settlement. Lenders are often willing to settle for less, so they can close the debt. Your lawyer can also represent you if the lender refuses a settlement and takes you to court.

Contact Our Student Loan Assistance Lawyer in Austin, TX

Student loan debt is stressful and confusing. Don’t shoulder the burden of debt yourself. Let a student loan assistance lawyer in Austin, TX, help. Begin the process by calling the Ciment Law Firm at 866-284-9703.

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Why Choose The Ciment Law Firm, PLLC?

why choose us
why choose us
why choose us
  • Free Consultation Find out which debt resolution option is best for you during a free consultation.
  • Positively Reviewed Our firm has numerous positive reviews on Google, Avvo, and other websites.
  • Options for All NeedsFrom bankruptcy protection to judgment lien releases and student loan assistance, our firm provides ample options to resolve your debts.
  • Experience on Both Sides of the FieldDaniel Ciment started his career at a debt collection law firm and now protects those in debt. His experience on both sides allows him to find solutions for his clients.
  • Compassionate and TransparentPatient and knowledgeable, the team is available to answer all questions and explain the process so that clients can reach their desired outcome.
  • Six Office LocationsSchedule your appointment at an office in Katy,

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Cloud Title On Homestead

You must have a clear title when refinancing or selling a home, which is why an abstract of judgment is problematic. The judgment lien creates a title defect or a cloud on the title. This means that there is an unresolved issue that must be addressed before making any real estate transactions. Title companies enforce the lien as a way to protect themselves in case the home isn’t eligible for homestead exemption because it’s not your primary residence. If a title company allows the transaction to proceed and the property isn’t your homestead, it has to pay the judgment. Fortunately, a Texas judgment lien release lawyer can remedy this issue.

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Getting A Full Release

In some instances, you have to get a full judgment lien release. This completely releases the judgment, so it isn’t attached to you or your property. There are normally two options for obtaining a full release. First, you can pay the judgment in full. If you don’t have the means to do that, your Texas judgment lien release attorney might be able to negotiate a settlement. If the creditor accepts the settlement, you will receive a full release once it’s paid. Without taking action, the judgment will remain valid for 10 years. It’s important to contact a judgment lien release attorney to go over your options if you need a full release.

Proof Of Homestead

Judgment creditors often require proof of homestead before signing a partial lien release. Your Texas judgment lien release attorney will help you provide the necessary documents. You might need to submit an affidavit that states that the property is your homestead. The creditor also might require a tax certificate that proves you’ve filed for homestead exemption. In addition, the creditor might ask for affidavits from others that state that the property is your homestead, and you live there. In some cases, the creditor can even require the escrow agent to examine the property to ensure it’s your homestead. Due to the complexity of proving homestead, it’s a good idea to get help from a Texas judgment lien release attorney.

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