School-Related Student Loan Cancellation & Discharge
Student Loan Relief Services
Consolidation
Repayment
Rehabilitation
Settlement
Forgiveness
Cancellation
Discharge & Bankruptcy
Debt Relief Attorneys
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Debt Relief Attorneys
Learn about your options.
See what you can save.
Contact Us Today.
Let Us Help You!
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School-Related Loan Discharge
We categorize student loan cancellation due to school-related issues into four categories:
1 – Closed School – we can have your loans canceled and discharged if you went to a school that closed while you were attending (or if you withdrew from the school 120 days or less before the school closed). This cancellation provision only applies to you if you received at least a part of your funding on or after January 1, 1986. Only FFEL, Direct Stafford loans, PLUS, and Perkins loans are eligible for the Closed School discharge. If you have already consolidated your loans, you can only apply for the closed school discharge for the portion of your consolidated loans that represent these types of loans only.
2 – False Certification – This is available when a school falsely certifies a borrower’s eligibility for federal aid. The instance can be either accidental or intentional. There are four distinct areas of false certification cancellations which are:
- Ability to Benefit – If you didn’t have either a high school diploma or G.E.D. when you attended school, it was the school’s responsibility to ensure you would benefit from the education they provided. Most schools accomplish this with an entrance exam, known as an “ability to benefit” exam. In some cases, there are issues with these entrance exams such as not using proper exams or the way in which the school administered the exams. You may be able to have your loans discharged if you did not have a diploma, did not have a G.E.D., or if there were issues with the entrance exams you took.
- Disqualifying Status – You may be qualified to have your loans canceled if, at the time you enrolled in your school, you would not have been able to meet the state requirements for employment in the occupation for which you were trained. There are many reasons you may fail to meet the minimum standards for your profession such as your age, potential criminal background, a physical or mental condition, etc.
- Forgery – also known as “unauthorized signature” discharge. If your school forged your name on any of your loan papers or checks, you may be qualified for Forgery Discharge. To qualify for this type of loan cancellation, you must not have received some or all of the funds from the loan that was taken out. Forgery discharge only applies when your signature was forged by someone associated with the school you attended. If someone else forged your name, you are not eligible for this discharge, however, if sued, that type of forgery can be used as a defense.
- Identity Theft – If you didn’t apply for a student loan but instead were the victim of identity theft, you may qualify to have your loan canceled. To be eligible for this type of loan cancellation, you must not have received any funds from the loan that was taken out in your name, and, must be able to provide conclusive and definitive evidence that you were a victim of identity theft. Conclusive means a judgment or court verdict, not just a simple police report.
3 – Unpaid Refund – If you left school early, you might be eligible to have your loans discharged. If you went to school for less than 60% of the loan repayment period, you are entitled to a refund for some of what you owe on your student loan. The refund will go to your lender, not to you, but the amount is supposed to be deducted from the balance on your loans. If you did not receive the refund credit, you should have, and you may qualify an unpaid refund cancellation.
4 – Borrower Defenses – You may be qualified for the forgiveness of loans if you took out loans specifically to attend a school due to being misled or due to other violations of laws or misconduct or can raise and show proof of claims about specific problems with the school you attended. Borrower defenses have been raised with some former Corinthian borrowers like Everest, Heald, and WyoTech, & American Career Institute borrowers.
How Dramer Law Handles Our Student Loan Debt Relief Cases
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Free Consultation, Fact Finding, & Financial Analysis
When you call our firm, we will want to know how and when your financial hardship began as well as what the current status is, to get a better understanding of what you are experiencing. Our staff is trained to ask the right questions to make sure that no stone in your financial picture goes unturned. Any representative that will speak with you will have a minimum of 10 years experience
We analyze your current financial situation including your assets and liabilities as well as your current cash flow, allowing us to narrow down our services more specific to what you can afford. This step is critical in any of our processes as we ensure that whatever service we recommend will be within your budget and therefore you’re more likely to succeed.
Full Disclosure, Recommendation, & Customization
There are multiple options for each problem we encounter so based on your analysis; we will then tailor fit the best option to the individual needs of your budget. We will explain in great detail all aspects of each process including the risks & fees – not just how much money you can save. Nothing will be hidden from you as we are a full disclosure law firm.
Our Relief Specialists are NOT Paid a Commission so there will be no sales pressure at our law firm. There is no obligation to retain our services. You will be given all the facts you need, and then you will be given plenty of time to think things over. Debt relief is an important decision, and we won’t rush you! We have worked hard over the years to earn the reputation we have by giving honest advice to those in need rather than the advice that benefits our bottom line!
Limited Power of Attorney & Authorization to Communicate
Lenders are Sent Notice of our Representation
Once retained, we immediately send a copy of our Limited Power of Attorney to your creditors, debt-collectors, or attorneys. Sending notice of representation is the first step in curbing any creditor or collector calls you may be receiving. We do not want you to be harassed – we’ll take over the calls for you.
The Fair Debt Collection Practices Act (FDCPA)
Once any third party servicer, debt collector, debt purchaser, collection attorney, foreclosure attorney, etc. receive our Limited Power of Attorney, they are obligated to contact us directly on your behalf. Failure to do so is a violation of the FDCPA, and we will sue them for you. There is no fee charged to you if we do not win your case, and if we do win, you can win up to $1,000 per violation, and the collector in violation will pay our attorney fees for you. It’s basically free money!
We Get the Job Done!
We are Incentivized to Perform
Our mortgage negotiation services are offered a fee structure as such that you pay part of the fee when retaining our firm and part of the fee only if we’re successful. The success fee helps ensure we are incentivized, so you’ll know we have your best interests in mind. We don’t benefit from getting you to hire our law firm, but instead, we benefit when we get the job done for you. You pay for our performance – and that’s what we do – we perform! We never agree to anything without first consulting with you and getting your approval. It is your debt and your money, so you have the final say in all of our negotiations
We Work Efficiently & Quickly
The combination of our experience, well-trained representatives, long hours, and state of the art software, allow us to accomplish more in any given day than most other firms only dream about. This can be said for ANY service we offer from negotiations to litigation to bankruptcy. We work quickly on your behalf as the longer you delay with a deed in lieu of foreclosure, the more fees your lender will charge. We will be in touch with you throughout the process to keep you informed and are available when you need us.
Our Lawyers Work for You and Only You!
Dramer Law and our debt lawyers have no affiliation with any creditors, banks or other lending institutions! This means that we are not here to keep you paying as much interest for as long as possible like many banks, but instead, we will make sure you choose an option based on your situation that will cost you the least amount in interest over time! Any of our Debt lawyers will work for the benefit of our clients and not for those that you owe money.
Download Our Prequalification Questionnaire to See How We Can Help
To find out what type of loans you have and to see how we can help, click on the button below to download our prequalification questionnaire and send it back to us along with your proof of income. We’ll be able to find out any information on your loans including how much you owe, to who, the rates, etc. If you’ve received any grants, we’ll be able to see the information on those as well, but thankfully you won’t have to pay those back!
Are you looking for professional advice?
Let Us Help You!
The Law Offices of Kenneth H Dramer PC specializes in helping people in a safe, open-access manner in many states throughout the country. If you are struggling with your loan payments, give us a call to understand your alternatives. Working with the assistance of a debt lawyer that deals with student loan issues on a daily basis not only grants you protection against unscrupulous debt collection agencies but, will also help to organize and explain the entire process so that you understand precisely how to proceed.
Before we make any recommendations, our debt lawyers, certified debt relief specialists, and paralegals are trained to ask the right questions to find out about your specific situation. Based on your current income and your financial hardship, we will determine which course of action will work best for you. We do not only offer one path, as no one process can solve everyone’s needs. We will take our time with you and help evaluate what your best course of action should be. CALL NOW FOR A FREE CONSULTATION and one of our advisors will be there to get you started on your path to financial freedom. There is no obligation to enroll, so don’t delay.
There is absolutely no obligation, so don’t hesitate to give us a call to learn how you can get out of debt and return to a healthy financial future.
One way or another, we can help!
Why Choose Dramer Law for Your Student Loan Debt Relief Needs?
Debt is Our Specialty
Other companies and law firms offer debt relief – we specialize in it! We do not offer any services that aren’t strictly related with clients that are struggling financially so our clients have unique needs, compared to those of other law firms, that we can cater to. We offer all debt relief options and we service our clients like family. You should never settle for less when trying to settle for less!
Lower Fees
Since our clients don’t have tons of money to spare like attorneys that practice in other areas of law, we charge low fees making our services affordable for anyone that needs help. Unless your case involves one of our attorneys having to go to court, our negotiation service fees are flat fee based not charged hourly.
One on One Client Service
All of our client relationships are One on One. You’ll have one individual client service representative that will be your point of contact and you’ll build a relationship with them so they’ll know exactly what you are going through. Aside from treating you with the upmost care possible, this means you won’t have to deal with multiple people and re-explain your situation to a different person each time you call. This saves time for you and eliminates any extra stress for you as time is money and being stress free is just as important as being debt free!
Client Service Response Time
All of our attorneys, paralegals, and negotiators are dedicated to providing the best possible experience, while achieving results. We are available long hours but should we happen to be unavailable for any reason we pride ourselves on returning calls and emails right away, not several days later like most attorneys.
Our Reputation
Many companies do nothing for the high fees they charge. We have heard many horror stories. These companies aren’t proactive, they put no effort into negotiations, they don’t even return your calls let alone calls from collectors! These actions cause collectors to seek other measures to collect, often meaning lawsuits. We typically work repeatedly with the same companies and are known for resolving accounts so therefore have a great reputation with industry lenders and collectors. This benefits you when we contact these companies on your behalf, they know the accounts will get resolved and therefore we are usually able to avoid legal action!
Other Services
Many times, when we successfully get our clients out of debt, they still need assistance with other areas of their financial life. We offer many different services for those struggling with debts including Business Debt Relief, Mortgage Relief, Tax Relief, & Student Loan Relief. When Debt is the Problem – We Have the Answers!
Client Testimonials
Getting Started is Easy…
Call Now for Your Free Consultation
Call today for your free consultation with an experienced member of our team who will ask the right questions to determine the best course of action. They will go over each option that will make sense for your situation and will be sure to discuss in detail the pros and cons of each.
See How Much Money We Can Save You
Each option will have its own savings potential. Keep in mind the greater the downsides a choice may have the greater the potential for savings. Our debt relief representatives will be sure you understand the cost benefits and will be sure to disclose our fees fully.
Retain Our Law Firm and Let the Savings Begin
Once retained, we waste no time in taking action. We will work quickly and efficiently to bring a successful resolution to your situation. You will be assigned a specific member of our team that will be in constant contact with you throughout the process.
You have nothing to lose except for your student loan debt!
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*Individual results may vary based on consumer’s earnings, assets, and current financial situation. Our law firm does not assume or pay any clients’ loans, nor provide credit or tax advice concerning any forgiven amounts. Student loan relief options do not obtain immediate repayment arrangements. Services not available in all 50 states.
*Be wary of any company that tells you not to pay your bills as specific debt relief options may have a negative impact on your credit report and other consequences. For example, your debts may continue to accrue late fees and penalties; you also may receive calls from your creditors and/or debt collectors; you could even be sued for non-payment. If a creditor obtains a judgment against you, they have the right to garnish your wages or put a lien on your home. Make sure you choose company that explains the benefits and consequences of each debt relief option. Please read and understand all process terms before enrollment.
*The information provided on this site is for general information and educational purposes only. The information presented should not be considered legal advice, and should not be misconstrued as such, and should most definitely not be acted upon without first consulting with an attorney. The information is subject to change without notice. Consult a debt relief lawyer licensed in your jurisdiction for specific advice.
*We provide Debt Relief services and are a debt relief agency, as defined by the U.S. Congress. We proudly assist people filing for bankruptcy relief under the Bankruptcy Code as well as various other services to help avoid bankruptcy.