florida lawyer who can help with college debt

Full Answer

Should you hire a lawyer for student loan debt?

According to Adam Minsky, a lawyer will typically help with the following when it comes to student loan debt: Advice and counsel regarding your legal rights and options for your student loans.

Where can I go to get help with student loan debt?

When you're struggling with student loan debt, it can sometimes be hard to know where to go to find help. While you can do most things with your Federal student loans for free on StudentAid. gov, many borrowers opt to find "professional help".

Where can I find a student loan attorney in my area?

Check the directory for the National Association of Consumer Advocates (NACA). NACA is a bar association for attorneys who only represent consumers and borrowers, and you can search for local attorneys who have listed “student loans” as an area of practice.

Do you need a student loan advocate?

If you're feeling overwhelmed by a student loan issue and want some guidance to make sense of it all. A good rule of thumb to follow is asking yourself whether you can do it yourself, or do you feel you need an advocate to work on your behalf to resolve the issue.

How can I legally not pay back student loans?

Here are seven legal ways you can get out of paying your student loans.Public Service Loan Forgiveness. ... Teacher Loan Forgiveness. ... Perkins Loan cancellation. ... Income-driven repayment plans. ... Disability discharge. ... Bankruptcy discharge. ... Get an employer who will pay off your loans.

Does Florida have student loan forgiveness?

If you're struggling to make progress on paying off your student debt, you might have wondered if you're eligible for student loan forgiveness in Florida. The answer is yes, depending on your career and location.

What is the fastest way to get rid of college debt?

Here are seven strategies to help you pay off student loans even faster.Make extra payments the right way. ... Refinance if you have good credit and a steady job. ... Enroll in autopay. ... Make biweekly payments. ... Pay off capitalized interest. ... Stick to the standard repayment plan. ... Use 'found' money.

Can you settle college debt?

Federal student loan settlements are difficult to get, but are possible in some cases. The Department of Education can settle (also known as compromise) FFEL or Perkins Loans of any amount, and suspend or terminate collection of these loans. It can be difficult, however to negotiate a “good” deal.

How do I get student loan forgiveness in Florida?

To qualify, you must work full time for an eligible organization, serve for 10 years and make 120 monthly payments on an IDR repayment plan. After 10 years of service and 120 qualified payments, you can apply for forgiveness for your education loans by filling out an application.

What is the Florida forgiveness program?

The Florida Legislature established the Nursing Student Loan Forgiveness Program (NSLFP) in 1989 to encourage qualified personnel to seek employment in areas of the state where critical nursing shortages exist. The program provides funds to assist in the repayment of nursing education loans.

How can I get student loan forgiveness from Covid?

No, there is no coronavirus-related loan forgiveness for federal student loans. The Department of Education and your loan servicer should be your trusted sources of information about official loan forgiveness options. You never have to pay for help with your federal student aid.

Do student loans go away after 7 years?

Do student loans go away after 7 years? Student loans don't go away after seven years. There is no program for loan forgiveness or cancellation after seven years. But if you recently checked your credit report and are wondering, "why did my student loans disappear?" The answer is that you have defaulted student loans.

How do I pay off 20000 in student loans?

How to Pay Off $20,000 in Student Loans in One YearStart with a budget. ... Find one and done ways to save. ... Put a chunk towards the loans on payday. ... Find extra spare change to put towards your loan throughout the month. ... Start a side gig that goes straight to your loan. ... Sell some stuff. ... Keep track of your progress.More items...•

Is there a lawsuit against student loans?

The Navient student loan settlement is an agreement between Navient and attorneys general for 39 states and the District of Columbia to resolve lawsuits that accused Navient of: Giving high-interest loans to students who it knew likely could not repay the debt.

Who qualifies for the Navient settlement?

To be eligible for this payment, borrowers must have entered repayment on their federal student loans before 2015, have been eligible for an income-driven repayment plan but instead gotten guided to entering forbearance over the phone by a Navient employee, and have kept that forbearance in place for at least two years ...

Can I get student loan forgiveness if my loan is in default?

Defaulted Direct Loans are not eligible for PSLF. However, a defaulted loan may become eligible for PSLF if you resolve the default.

OUR TEAM OF LAWYERS SPECIALIZING IN STUDENT LOAN DEBT ARE READY TO HELP YOU MAKE SENSE OF YOUR REPAYMENT OPTIONS AND LEGAL RIGHTS

As time goes on, the national collegiate debt has skyrocketed to a truly unmanageable total. No matter how high your income is after graduation, you are likely to be repaying those loans for most of your working years. That is no way to live – and it is no wonder so many graduates are frustrated.

WHAT MAKES VAN HORN LAW GROUP DIFFERENT

Why choose the team at the Van Horn Law Group? We offer more than just legal advice worth following. We provide the kind of personalized, human interaction that many law offices lack in this day and age. We walk with you through every step of your journey toward your desired legal result – and help you make that result happen.

GET TO KNOW OUR EXPERIENCED LEGAL TEAM

You already know why we think you will be delighted with the services that we provide in over-coming your student loan debt, but who are we? At the Van Horn Law Group, we are more than just a student loan attorney. We are a group of highly experienced professionals ready to serve you!

EVERYTHING YOU NEED, WHEREVER YOU ARE

We aim to provide the services you need, where you need them. Whether you live in Miami, Fort Lauderdale, West Palm Beach, or somewhere else in South Florida, we want to help you manage your student loan debt challenges – and to be your choice for a student loan lawyer in Florida!

CHECK OUT OUR VALUE-ADDED RESOURCES

Filmed in various languages and from multiple perspectives, our video library offers quick legal advice that is easy to understand.

ABOUT OUR ZERO DOWN BANKRUPTCY OPTION

While many people opt to pay for fees at once or on a retainer basis, some prefer to utilize our $0 Down payment option. Here's how it works: After you sign an engagement for services agreement with our firm, generally speaking, the court filing fees and costs will be paid up front. These can be waived in certain circumstances.

How to reduce student loan debt?

Options to Reduce or Eliminate Student Loan Debt And Loan Facts 1 You are not alone: the latest statistics from the Department of education show a whopping 10% of student loan debt is delinquent with another 10% in default, that's 1 in every 5 loans! 2 Your high monthly student loan payments can prevent you from buying a house, car, save money or even just get by with the basics, the sooner you reduce them, the faster you can get ahead 3 You do not have to accept the repayment plan the lender gives you yet most people do 4 There are multiple options available to reduce your payments 5 If you already defaulted on a federal student loan, there is a possibility that you can emerge from the default! You may be able to set up a new repayment plan or consolidate your loans in a way that makes the costs more affordable 6 If you have federal student loans, you can cancel them under certain circumstances! Cancellation is also called discharge or forgiveness and it does not matter whether your loan is current, delinquent, or in default 7 In some cases, we may be able to get you a loan settlement if you cannot achieve cancellation on your student loans 8 We help you explore options for state sponsored student loan relief programs 9 In many cases, the money you save is substantially more than our fee

What happens if you default on a federal student loan?

If you already defaulted on a federal student loan, there is a possibility that you can emerge from the default! You may be able to set up a new repayment plan or consolidate your loans in a way that makes the costs more affordable. If you have federal student loans, you can cancel them under certain circumstances!

What is a student loan cancellation called?

Cancellation is also called discharge or forgiveness and it does not matter whether your loan is current, delinquent, or in default. In some cases, we may be able to get you a loan settlement if you cannot achieve cancellation on your student loans.

Can you get ahead with a high student loan?

Your high monthly student loan payments can prevent you from buying a house, car, save money or even just get by with the basics, the sooner you reduce them, the faster you can get ahead. You do not have to accept the repayment plan the lender gives you yet most people do.

What to do if you owe a large amount of money?

If you owe a large amount of money on unsecured debts, you may require the services of a debt settlement lawyer. Unsecured debts include medical bills, student loans, credit cards, store and gas cards, personal loans, collection accounts, and bounced checks. For these sorts of debts, lenders will usually accept less than the full amount if it's clear you don't have the money to pay them (especially if the original amount has continued to grow with interest, late charges, and collection costs). A debt settlement attorney can negotiate with the lender and objectively present the facts in your case. Oftentimes, unsecured debt lenders would rather settle with you than take a chance on getting nothing if you file for bankruptcy. If the negotiation is successful, the creditor may even be convinced to take the settled debt off your credit history.

Do you deserve to be treated like a name on a case file?

Just as much as you need an experienced and dedicated attorney like me on your side, you deserve to be treated not like a name on a case file, but as a person who...

Do legal matters require expert counseling?

I've learned that most legal matters require expert counseling in order to get the best result. There are many nuances of evidence and procedure that are vital in...

About Florida Debt Collection Lawyers

Our Florida lawyers help businesses and individuals with their legal needs. A few of the major industries that represent Florida's economy include aerospace, life sciences, and manufacturing.

Meet some of our Florida Debt Collection Lawyers

Carlos Colón-Machargo is a fully bilingual (English-Spanish) attorney-at-law and Certified Public Accountant (CPA) with over twenty years of experience. His major areas of practice include labor and employment law; business law; corporate, contract and tax law; and estate planning.

How Can You Find A Reputable Student Loan Debt Attorney?

So, if you think getting a lawyer is the best route for your student loan situation, how do you go about finding a reputable one? This can be especially challenging given that many borrowers aren't familiar with the law and how the process works.

How are attorneys different from student loan companies?

In other words, attorneys are accountable not just to you, but also to their state bar. This provides you with a lot of protections and recourse if you get mistreated or defrauded , as compared to unlicensed companies and organizations.

When Does It Make Sense To Find A Lawyer For Your Student Loan Problem?

It's important to remember that every situation is different, and whether you contact a student loan lawyer really depends on your unique situation.

What is the most common type of attorney-client fee arrangement?

2. Hourly Fee / Retainer: This is the most traditional type of attorney-client fee arrangement and involves paying for the attorney’s time at that attorney’s hourly rate. The client usually pays an initial “retainer” – also known as an advance fee deposit – to cover a certain amount of billable time up front (say $5,000 or $10,000). The attorney then draws from that retainer as he or she completes the relevant asks. If the retainer doesn’t get used up when the matter is completed, the balance gets returned to the client. If the retainer gets depleted, the client may have to replenish the retainer. The size of the retainer and the number of billable hours for a case really depends. For example, defending a collections lawsuit may take significantly more billable hours than assisting with a loan consolidation application.

What is flat fee for attorney?

3. Flat Fee: Some attorneys provide specific services for a set fee, no matter how long it takes the attorney to complete the service. This is also known as project-based work. This can provide some protections for the client, so that if something takes longer than expected, the client isn’t on the hook for additional fees. But the fee would likely only cover a specific task or set of tasks that the attorney has been hired to perform. A good example of this might be completing an income-driven repayment application.

What to do when overwhelmed by student loan?

If you're feeling overwhelmed by a student loan issue and want some guidance to make sense of it all. A good rule of thumb to follow is asking yourself whether you can do it yourself, or do you feel you need an advocate to work on your behalf to resolve the issue.

How to find out if an attorney has a record of public discipline?

Once you find an attorney you might want to work with, cross-reference the attorney with your state bar association to see if that attorney has any record of public discipline.