where to find a lawyer in new york who handles student loan issues

What can a student loan attorney do for You?

Jul 19, 2020 · At ARM Lawyers, our student loan attorneys are in a unique position in that we have the extensive knowledge necessary to handle student loan cases and, if necessary, bankruptcy cases. Our student loan attorney handles student loan bankruptcy /adversarial proceedings in Pennsylvania, Maryland, New Jersey, and New York and has offices in each of these states.

How can a New York debt attorney help me?

Here is the main reason you need a student loan lawyer to fight for you and protect you against student loan lenders, such as Navient, Discover, National Collegiate Trust, etc. — there is A LOT of money exchanging hands in the student lending market. Whenever there is a lot of money exchanging hands in an industry, people tend to get greedy and break the rules.

How do I get Started with the FindLaw lawyer directory?

Aug 26, 2014 · Then, schedule a 30-minute Student Loan Analysis via phone or virtual meeting for just $200. By the end of the Analysis, you’ll have a clear idea of what you can do to better handle your situation. Our goal is to demystify student loans – what can and cannot happen, what options you have, and how to deal with your loans to put you back in ...

Where can I find information about the upcoming student loan law workshop?

Jul 25, 2020 · At ARM Lawyers, our student loan forgiveness lawyers have work with many people to ensure that their student loans, employer and payments all meet the necessary requirements and put them on the right track toward forgiveness.

What part of the government handles student loans?

the U.S. Department of EducationFederal Student Aid, a part of the U.S. Department of Education, is the largest provider of student financial aid in the nation.

Can I sue my student loan company?

If your complaint is about a collection agency for federal student loans, you can file a complaint with the U.S. Department of Education's Default Resolution Group at 1-800-621-3115, who will direct you to the Special Assistance Unit for resolution of the problem.

Is there a class action lawsuit for student loan forgiveness?

The lawsuit claimed that Navient engaged in unfair and deceptive practices by steering student loan borrowers into forbearances and away from critical federal student loan relief programs, like income-driven repayment plans and Public Service Loan Forgiveness (PSLF).Jan 13, 2022

Can federal student loans be settled?

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.

Do I qualify for the Navient lawsuit?

Here are the eligibility criteria: You must have borrowed a private student loan from Navient or its predecessor, Sallie Mae, between 2002 and 2014 while attending certain for-profit schools like the Art Institute, ITT Technical Institute, and others. You can see a full list of schools at navientagsettlement.com.Feb 14, 2022

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.Jan 13, 2022

How do I fight student loan debt?

Options to Get Out of Repaying Student Loans LegallyLoan Forgiveness Programs. ... Income-Driven Repayment Plans. ... Disability Discharge. ... Temporary Relief: Deferment or Forbearance. ... Student Loan Refinancing. ... Filing for Bankruptcy: A Last Resort.

What is the Navient lawsuit?

Under the settlement terms, Navient will be required to forgive $1.7 billion in private student loan balances for nearly 66,000 borrowers, primarily those who took out subprime loans to attend for-profit schools.Jan 19, 2022

Who will benefit from Navient lawsuit?

The settlement covers borrowers who live in 38 states and Washington, DC. Those who qualify for relief under the settlement don't need to take any action and can expect to automatically receive notification from Navient later this year after the court approves the agreement.Jan 13, 2022

How can I get rid of student loans fast?

9 ways to pay off your student loans fastMake additional payments.Establish a college repayment fund.Start early with a part-time job in college.Stick to a budget.Consider refinancing.Apply for loan forgiveness.Lower your interest rate through discounts.Take advantage of tax deductions.More items...•Nov 17, 2021

How can I get rid of student loans without paying?

There's no simple way to get rid of student loans without paying. ... If you're having difficulty making payments, your best option is to contact your private loan holder about renegotiating your payment or taking a short-term payment pause.More items...

How can I settle my student loan in default?

How to settle your student loansKnow your options. Your private student loan settlement options depend on your lender. ... Let the lender make the initial offer. Even though you should have an idea of your options, let your lender make the first offer. ... Request a paid-in-full statement.Nov 19, 2021

How can a student loan attorney help me?

Student loan attorneys can provide you with legal advice, represent your interests during negotiations or lawsuits, resolve delinquencies, protect...

Am I able to discharge a federal student loan without having to file bankruptcy?

In most situations, neither federal student loans nor private student loans are eligible to be discharged in bankruptcy. However, in some cases, yo...

What is the difference between federal student loans and private student loans?

While federal student loans are offered by the government, private student loans are offered by private-sector lenders. Interest rates for private...

What are the costs of hiring a student loan lawyer?

Our services are offered on a flat fee basis calculated as a percentage of the debt. Typically, we can settle our clients’ debt for 55-60 cents on...

What are the two main types of student loans?

There are two main categories of student loans: federal and private. Federal student loans, such as Stafford Loans are backed by the federal government and are highly regulated. We do not work with federal student loans. On the contrary, private student loans may be issued by well known banks, like Citigroup or Chase Bank.

Can you file for bankruptcy with a student loan?

In most situations, neither federal student loans nor private student loans are eligible to be discharged in bankruptcy. However, in some cases, you can have a federal student loan discharged if you experienced serious problems with your school, worked in public service, or have a severe disability.

How long does it take for a student loan to be forgiven?

Depending upon the type of federal student loan repayment plan you are in, your loans may be forgiven after 20 or 25 years of qualifying payments. If you are unsure of whether your loan qualifies for income-driven repayment forgiveness or are unsure of the type of income-driven repayment plan you’re in, our student loan forgiveness lawyer can ...

How many years do you have to teach to get a teacher loan forgiveness?

The requirement for teacher loan forgiveness is teaching for 5 consecutive years in a qualifying school district. Generally, most rural and urban school districts and some suburban school districts will be qualifying school districts. However, a good rule of thumb is to ask the principal of any school if the school district will qualify.

What is the best loan forgiveness program?

The main loan forgiveness program that gets the most notoriety is public service loan forgiveness. Public service loan forgiveness is not defined as a program you enroll in; rather, it is a redemption plan in which you redeem the forgiveness once you have reached the required 120 qualifying payment months. There is no limit on how much student loan debt can be forgiven. Public Service Loan Forgiveness has three requirements to make the payments “qualifying”: 1 The right kind of employer 2 The right kind of loan 3 Actively paying

Is student loan forgiveness taxable?

Unfortunately, unlike the public service forgiveness, income-driven repayment forgiveness is potentially taxable. We say potentially because there are exceptions to the rule. If this is a concern for you, our student loan forgiveness lawyer along with our tax lawyers can advise you on ways to address this.

Is loan forgiveness good?

Loan forgiveness is a great option for those individuals who can meet the requirements. Unfortunately, many people make mistakes in meeting the requirements and there is no going back and changing who you worked for or the hours you worked. Therefore, it is essential that you start out in compliance.

Can student loans be forgiven?

There is no limit on how much student loan debt can be forgiven. Public Service Loan Forgiveness has three requirements to make the payments “qualifying”: The right kind of employer. The right kind of loan. Actively paying.

Look for Attorneys in Popular Cities

Welcome to the FindLaw Lawyer Directory, featuring detailed profiles of attorneys from across the United States. To get started use the search box or click on a city, state, or legal issue. If you haven't hired an attorney before, you may want to consult FindLaw's Guide to Hiring a Lawyer and Guide to the U.S. Legal System.

Do I Need a Lawyer?

Don't be intimidated by the thought of hiring a lawyer. Their job is to help you find the best solution to your legal issue. Here are some examples of when it is best to hire a lawyer:

Why Use Lawyers.com to Find a Lawyer?

Lawyers.com is an excellent starting point as you look to find a successful resolution to your legal challenge. We make it easy to search for attorneys by location and practice area and offer critical advantages to simplify the process of selecting the correct attorney for you.

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Whatever your particular legal needs might be, it is likely that many attorneys have the education, skill and experience to serve you effectively. However, finding the right fit might require you to review the credentials of several lawyers and examine several different considerations.

What happens if you can't afford a lawyer?

In a criminal proceeding, if you can't afford legal assistance, a court will appoint an attorney for you. In a civil case, generally described as a dispute between two private parties, to get legal representation, you have to get creative. Here's how to find legal help if you can't afford a lawyer:

What is legal aid?

Legal aid societies are nonprofit organizations found in almost every corner of the country that provide free legal services to low-income people. While this is certainly worth exploring, the problem for many households is that the individual or couple makes too much money to qualify for help.

What happens if you lose a case?

That is, if you lose your case, you won't pay money, but if you win, the law firm will take a portion of the money awarded to you. However, it's important to tread carefully before picking a lawyer. Choose a reputable attorney and make sure the rate is agreed upon before the lawyer takes your case.

Who is Geoff Williams?

Geoff Williams, Contributor. Geoff Williams has been a contributor to U.S. News and World Report since 2013, writing about ... Read more. Tags: personal finance, money, personal budgets, lawsuits.

What time does the Akron Bar Association answer legal questions?

The Akron Bar Association, in Akron, Ohio, is an example of what's out there. You can call the second and fourth Fridays of each month from 9 to 11 a.m., as part of their Ask an Attorney Service, and they'll answer legal questions for free.

Who is Andrea Vacca?

Andrea Vacca is a collaborative divorce attorney in New Yor k City and the owner of Vacca Family Law Group. She says – at least with divorces – that "some courts offer free assistance to parties who want to fill out their own uncontested divorce paperwork."

Navient Must Face Class Action Lawsuit Over Student Loan Borrower and Cosigners Issue

Former students who took out loans serviced by Navient have been granted permission to proceed with their class action lawsuit against the student loan servicer, alleging self-dealing and deceptive business practices.

Brian Manetta et al. v. Navient Corp. et al

A federal judge in New Jersey has ruled that student borrowers may sue Navient Corp for fraudulently misallocating payments, thus, extending the life of student loans.

Navient Cannot Shake Things Off

Navient filed a motion to dismiss the class action case in December 2020. In its most recent dismissal brief, it stated that the plaintiffs must be able to demonstrate that the conduct underlying the claims is unlawful in some way, which they have not done and could not do.