Orlando Student Loan and Bankruptcy Workshop — June 7, 2024
Tampa Bankruptcy Lawyer Blog | Christie D. Arkovich, P.A.
by Christie D. Arkovich, P.A.
2w ago
We will be speaking at the Orlando Student Loan and Bankruptcy Workshop on June 7, 2024 along with Laurie K. Weatherford, Chapter 13 Trustee, Orlando Division, and Robert and Tammy Branson.  For our fellow attorneys who practice bankruptcy, this is not one to miss.  The cost to attend is only $350 for an attorney and will offer 6.0 CLE credits. The 2022 guidelines from the Department of Justice on federal student loan adversaries are working. Don’t be left behind! Debtors are receiving discharges. The post Orlando Student Loan and Bankruptcy Workshop — June 7, 2024 appeared first o ..read more
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The new Bankruptcy IDR will work great for many – but there are two limitations!
Tampa Bankruptcy Lawyer Blog | Christie D. Arkovich, P.A.
by Christie D. Arkovich, P.A.
2w ago
We’ve confirmed through the NCLC that the new regulation allowing credit for IDR for anyone in bankruptcy will NOT apply to FFEL loans.  Or Perkins loans, or unconsolidated Parent Plus loans.  So it’s best to consolidate to Direct Loans before filing, but now that the 4/30 deadline has passed, it’s best to wait until 7/1 to obtain the IDR credit through the IDR Audit which will average the credit between all of your loans.  If you consolidate in the next two months – 5/1 through 7/1, you may not receive any former IDR credit that you’ve built up, nor any through forbearances and ..read more
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Student Loan Information Constantly Changing
Tampa Bankruptcy Lawyer Blog | Christie D. Arkovich, P.A.
by Christie D. Arkovich, P.A.
1M ago
While we try to get the most information out there through our blogs, monthly newsletters and You Tube Channel Student Loan Sidebar please remember that the information in our videos and this blog does not and is not intended to constitute legal advice.  Instead, all information and content are for general informational purposes – and may not be the most up to date – see the date we produce the video for example. Please contact us for a strategy session where we review your particular loans and how best to position yourself to create the life that you want with as little debt as possible ..read more
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Not Getting Your Student Loans Forgiven Yet?
Tampa Bankruptcy Lawyer Blog | Christie D. Arkovich, P.A.
by Christie D. Arkovich, P.A.
1M ago
Bankruptcy is finally working for people with student loans — I expect to have a series up shortly about all the ways a bankruptcy can help now with both federal and private student loans.  This didn’t used to be true, and you may find people out there who follow those old rules and say that bankruptcy cannot help with student loans.  I’m afraid that after the IDR audit expires (deadline next Tues – 4/30), bankruptcy will in fact be one of the best – and often overlooked options to reduce crazy student loan debt. Total and Permanent Disability discharges are also going strong — and n ..read more
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Deadlines Next Week for PSLF and IDR Audit
Tampa Bankruptcy Lawyer Blog | Christie D. Arkovich, P.A.
by Christie D. Arkovich, P.A.
1M ago
Don’t forget, next Tues the 30th, is the consolidation application deadline for the IDR account adjustment – often referred to as the IDR Audit.  It’s also the last day before the PSLF processing pause goes into effect, so you may wish to download your payment tracking data from MOHELA before that date. For more info on the PSLF processing pause:  https://studentloanborrowerassistance.org/the-pslf-processing-pause-what-you-should-know/ For more info on the IDR Audit and how it can help you obtain forgiveness by consolidating before 4/30:  https://studentloanborrowerassistance.or ..read more
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Consolidate by 4/30/24 for IDR Audit – Nelnet Accepts by Email!
Tampa Bankruptcy Lawyer Blog | Christie D. Arkovich, P.A.
by Christie D. Arkovich, P.A.
1M ago
As we race toward the 4/30/24 deadline for submitting a consolidation application for the IDR Audit deadline, please know that Nelnet has the following phone and email.  They will accept a consolidation application by email.  We recommend calling them a few days after to verify receipt of the application.  There was no hold time as of today! Nelnet Consolidation 866-426-6765 DirectLoanConsol@nelnet.net The post Consolidate by 4/30/24 for IDR Audit – Nelnet Accepts by Email! appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog ..read more
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Student Loan Discharges in Bankruptcy are now Working!
Tampa Bankruptcy Lawyer Blog | Christie D. Arkovich, P.A.
by Christie D. Arkovich, P.A.
1M ago
Many questions surround the possibility and even probability of discharging student loans in bankruptcy.  The law around student loan dischargeability hasn’t changed in many years, the way I understand it – it’s just that newer theories on applying that law to private student loans have come to the forefront in recent years and then we had the rise of the Federal attestation process even more recently this past year.  The new bankruptcy IDR rules go into effect in July this summer and apply to any pending case.  There have also been a few class actions allowing for more certaint ..read more
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Parent Plus loans for those still in college?
Tampa Bankruptcy Lawyer Blog | Christie D. Arkovich, P.A.
by Christie D. Arkovich, P.A.
2M ago
We’ve received some repeat questions lately by parents whose children are still in college.  Basically, they are worried that there isn’t enough time to get a double consolidation done to get into SAVE. Here’s the rules: The loan does have to be fully disbursed. The post Parent Plus loans for those still in college? appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog ..read more
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Weekend Student Loan Viewing – Last Week Tonight with John Oliver!
Tampa Bankruptcy Lawyer Blog | Christie D. Arkovich, P.A.
by Christie D. Arkovich, P.A.
2M ago
A little birdie told me that Sunday’s show will be about student loans.  I just watched the one last week on Boeing and it was really good!  Made me pretty happy not to own Boeing stock… Here is the Boeing story https://www.youtube.com/watch?v=Q8oCilY4szc You can watch/stream Last Week Tonight with John Oliver on MAX, Max Amazon Channel and Spectrum on Demand as well as HBO of course. With over 9 million views on the Boeing story, we are hopeful that this show on student loans will help raise awareness of the upcoming April 30, 2024 deadline to apply to consolidate the older federal ..read more
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FCRA Claims can be Brought Against Federal Agencies – New Feb 8, 2024 Kirtz Decision!
Tampa Bankruptcy Lawyer Blog | Christie D. Arkovich, P.A.
by Christie D. Arkovich, P.A.
3M ago
For those of you who are on the receiving end of credit dings due to federal agencies messing up your student loans, the recent Kirtz decision allows a consumer to sue a federal agency under 15 U.S.C. Sections 1681n and 1681o for defying the terms of the Fair Credit Reporting Act.  The history of this case can be found here:  https://www.scotusblog.com/case-files/cases/department-of-agriculture-rural-development-rural-housing-service-v-kirtz/ While the case itself dealt with some agricultural entity, it will apply to all federal agencies that seek immunity from wrongdoing under the F ..read more
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