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5 Things Attorneys Should Tell Clients About Student Loan Default

Posted on Sat, Aug 01, 2015 @ 08:08 AM

Many debtors struggling to pay off student loans may consider defaulting if they don’t have assets. But as any good attorney knows a student loan default could deal a devastating blow to a debtor’s financial life no matter how rich or poor. Below are five things every bankruptcy attorney should tell debtors tempted to default on their student loans: 

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Tags: Student Loans

How Bankruptcy Can Be Positive - The Surprising Silver Linings

Posted on Thu, Jul 30, 2015 @ 13:07 PM

Facing overwhelming debt and financial hardship can be a particularly stressful time in one’s life. As you try to navigate the coming days, weeks, and months, you will be faced with tough decisions, including whether or not you should consider filing for bankruptcy. While this can be an important time to consult an advisor such as a bankruptcy attorney, you may want to take this time to reflect on how bankruptcy can actually be positive, and provide you and your family with certain benefits. Here are just a few of the positive benefits of filing for bankruptcy, and how doing so can help get you out from under your crippling debt by giving you a fresh start.  

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Tags: Bankruptcy Help

Law Firm Business: How To Survive the Bankruptcy Filings Decline

Posted on Tue, Jul 14, 2015 @ 16:07 PM

The number of Americans filing bankruptcy has declined significantly. According AACER Bankruptcy data released this month, there has been an 8.5% decline in daily bankruptcy filings since May and a 47.9% month-to-month decline since June 2010.

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Tags: Bankruptcy

Consolidating or Refinancing Your Student Loans: Which Option is Best?

Posted on Fri, Jul 10, 2015 @ 11:07 AM

If you're one of thousands of graduates with student loan debt, you might have already asked (or started to ask) this question: should I consolidate my loans, or refinance them? What do the two options mean, and which one is best for my situation? Sometimes the terms are used interchangeably, but they definitely mean different results when it comes down to making the choice. Here's a clear definition of both to guide you towards making a better choice, depending on your loan situation.

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Tags: Student Loans and Bankruptcy

How to Be Prepared for Your Credit Counseling Session

Posted on Wed, Jul 08, 2015 @ 10:07 AM

When someone finds themselves spiraling further and further into debt, it can be very hard to escape from the situation. Debt often breeds more debt, and causes credit scores to plummet. It is rare that the unlucky people in these situations are able to escape by themselves, but there is hope. 

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Tags: Bankruptcy, Credit Counseling, Credit Counseling Session

Four Things Attorneys Should Know About Private Student Loans

Posted on Thu, Jul 02, 2015 @ 09:07 AM

As the cost of higher education rises, the number of people taking out private student loans is growing. As an attorney working with student loan debtors, it’s important that you understand some differences between private and federal student loans.

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Tags: Student Loans, private student loans

May 2015 Bankruptcy Filings Down: What This Means For Debtors

Posted on Tue, Jun 30, 2015 @ 12:06 PM

In a recent report by Epiq Systems on AACER 2015 bankruptcy filings, May 2015 bankruptcy filings were down by almost 20% since May 2014. In total, there were 69,286 bankruptcy filings by May 2015, down from May 2014's total of 85,711. In addition to the decline of May bankruptcy filings from the previous year, 2015 also saw a decline in filings between April and May, with April's total number of filings for the month equaling 77,884, with California, Illinois, and Florida being the top three states with the most cumulative filings between January and May 2015. But in filings per capita (based on population data from 2009), Tennessee and Alabama made the top of the list with over an average of 5 filings per day for every 10,000 people.

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Tags: Credit Counseling, Bankruptcy Filings, Bankruptcy Statistics

Can I Discharge My Student Loans Due To Disability?

Posted on Fri, Jun 26, 2015 @ 11:06 AM

For debtors struggling to repay student loans, there are many reasons why repayment becomes impossible. Many debtors suffering from physical and mental disabilities may be unable to repay student loans because their health prevents them from working. Fortunately, some student loan debtors may receive a “total and permanent disability (TPD) discharge” as long as they can prove their case. 

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Tags: Student Loans

Start Fresh Today, Powered By CESI, Announces Launch of a Simplified, New Site

Posted on Wed, Jun 24, 2015 @ 10:06 AM


Start Fresh Today’s newly redesigned website offers Non-Profit Credit Counseling & Debtor Education, free content and features for clients and attorneys, and discounted due diligence products. 

Fort Lauderdale, FL, June 24, 2015 – Start Fresh Today Bankruptcy Solutions announces today the official launch of the newly redesigned, a website devoted to helping consumers regain their financial stability, educating consumers through the bankruptcy process, and providing an innovative platform of products and service to attorneys.

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Tags: Start Fresh Today

Post-Bankruptcy Survival: 5 Reasons You Need Student Loan Help

Posted on Sat, Jun 20, 2015 @ 13:06 PM

Student Loan HelpIf you’re just exiting bankruptcy with student loans, then you’re probably worried about how you’re going to pay the bill. There are lots of options to choose from, but you can quickly become overwhelmed trying to tackle student loans on your own. Fortunately, there’s help available. Below are five reasons you need student loan help.

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Tags: Credit and Bankruptcy, Student Loans, Student Loans and Bankruptcy, Post-Bankruptcy Survival

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