Student Loan Assistance Lawyer in Houston, TX
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Student Loan Assistance Lawyer in Houston, TX
Student loan debt has become a severe crisis in Houston and the rest of Texas. People graduate college with tens of thousands of dollars of debt and have no plan to repay it. If that sounds like you, it’s time to get help. The Ciment Law Firm can explain your options and help you make sound decisions regarding your student debt. Learn more about these loans, and then call a Houston student loan assistance lawyer.
Why You Need to Hire a Houston Student Loan Assistance Lawyer
Hiring a Houston student loan assistance lawyer from the Ciment Law Firm is a critical step if you want to protect your rights. Your lawyer will:
Get Back on Track After Defaulting on a Federal Student Loan
If your loans are in default, you’re probably scared of what will happen next. You can get out of default without paying your balance in full with loan rehabilitation or consolidation.
Loan rehabilitation is a 10-month program that gets you back on track and removes the default from your credit report. You must make nine affordable payments that are based on your income level.
Loan consolidation can help you get out of default even faster. You’ll consolidate your loans and make an affordable payment each month. Even though this makes your loans current, the default stays on your record.
There is much to consider with both options, so consult with a Houston, TX, student loan assistance lawyer before deciding.
Bankruptcy and Student Loans
You might have heard that you cannot discharge student loan debt through bankruptcy. In fact, it is dischargeable, but only if the loans cause an undue hardship by preventing you from maintaining a minimal standard of living. The hardship must be due to circumstances that are unlikely to change over the life of the loan. Also, you are required to have made an effort to repay the loan even while dealing with those circumstances. While bankruptcy might not be an option for your situation, your Houston, TX, student loan assistance lawyer can provide other ways to overcome your debt.
How to Stop Collections From Private Student Lenders
Private lenders don’t have as many collection resources as the federal government does, but they will still take steps to get their money, including making collection calls and taking you to court. Fortunately, you can reduce the chances of going to court with help from a student loan assistance lawyer in Houston, TX. A lawyer from the Ciment Law Firm will call the lender and attempt to negotiate an affordable settlement, so you can finally put the debt behind you.
Contact Our Student Loan Assistance Lawyer in Houston, TX
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Get The Best Defense For Your Case
You deserve to work with an attorney you can count on to do everything in their power to win your case. Schedule a strategy session with our firm today to develop the strongest path forward.
Why Choose The Ciment Law Firm, PLLC?
- 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 Needs – From 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 Field – Daniel 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 Transparent – Patient and knowledgeable, the team is available to answer all questions and explain the process so that clients can reach their desired outcome.
- Six Office Locations – Schedule your appointment at an office in Katy,
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.
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.