Frequently Asked Questions

D.J. Rausa

D.J. Rausa

With over 21 years of experience as a consumer bankruptcy attorney, D.J. Rausa stays on the cutting edge of Bankruptcy and Student Loan Law which enables him to provide vital information to his clients.

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Student Loan Debt Relief

Student Loan Debt Relief

If you are a student that has Federal Student Loans, you may qualify for a variety of the student loan forgiveness programs that are available to to you. You can start today and enter into a loan forgiveness program and begin the road to your financial freedom!

Learn More about Student Loan Debt Relief

Contact us today to learn about student loan debt relief. Every consolidated loan has forgiveness attached at the end of the loan term. At the end of the consolidated loan's term, any unpaid balance will be forgiven by the Department of Education. There are many repayment options in the Obama Student Loan consolidation program, and there are provisions which allow for an early forgiveness or principal reduction many consolidated loans.

tagged: student loan debt relief, student loan debt relief california

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San Diego Bankruptcy Attorneys

San Diego Bankruptcy Attorneys

Debt Doc San Diego: San Diego Bankruptcy Attorneys
Find San Diego Bankruptcy Attorneys with a primary focus on Bankruptcy Law in San Diego, and will help you determine if filing for Chapter 7 or Chapter 13 is the right decision for you.
 
 
If a client has already filed for bankruptcy in the past, a Chapter 20 combination or a debt settlement program might possibly be the right choice for you. Contact San Diego Bankruptcy Attorneys today!
 
tagged: san diego bankruptcy attorneys
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San Diego Debt Relief

San Diego Debt Relief 

How does someone choose between paying their bills and feeding their family? Find San Diego Debt Relief today, and live debt free in San Diego. We do not belief anyone should have to make a choice between paying bills, and providing for their family. San Diego Debt Relief from credit cards, medical bills, home lonas and other loans are the primary cause of stress for San Diego families.

Learn more about San Diego Debt Relief

If you are one of many suffering from extremely overwhelming stress caused by high debt, contact us to learn about San Diego debt relief, and schedule a consultation with a San Diego bankruptcy attorney today. We are dedicated to helping hard working families achieve the relief from debt they deserve. 

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Credit Card Debt Consolidation

Credit Card Debt Consolidation

Are you looking for a way to cope with the overwhelming stress of credit card debt? Credit card debt consolidation agencies may offer some much needed relief. Our credit card debt consolidation programs, called debt management plans, will help you get back to living debt free. However, they can also be unnecessary and might even be detrimental to your financial health when done through an organization that is poorly run. Learn more about credit card debt consolidation today!

tagged: credit card debt consolidation, credit card debt consolidation san diego, credit card debt consolidation california

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Payday Loan Consolidation

Payday Loan Consolidation

Are you struggling with Payday Loan Consolidation? Let a payday loan consolidation attorney help!

If you have many outstanding payday loans with a total debt in higher than $1000, you may want to think about contacting us to learn about startign on the road to debt free living with a payday loan consolidation program. We can help lower and simplify your monthly payments. Please give us a call today so that we can get your payday loan situation under control!

tagged: payday loan consolidation, payday loan consolidation san diego, payday loan consolidation california

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Student Loan Consolidation Rates

Student Loan Consolidation Rates

It seems like just yesterday, your kids were applying to college. And now they've already graduated. Along with obtaining a new degree, many of these graduates will also leave school with new student loan debt that they'll have to live with and have to fit into their budgets.

Learn more about student loan consolidation rates

Consolidation provides graduates with the ability to merge their student loans into one payment, but it comes with drawbacks. Contact us to learn more about student loan consolidation rates. 

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Debt Free

Debt Free

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Student Loan Services

Student Loan Services

Student loans have quickly become a necessity for paying for a college education. Too many students fall into the a scary situation where they fall into one of these categories: Too Poor to afford College, Too much money For Financial Aid. But there are two more things that a lot of graduates are doing that might be making their student loans far more expensive. This is why you need to know about our available student loan services

Learn more about Student Loan Services, student loan servies san diego

When talking about student loan debt, there is really no escape, and there are no shortcuts to follow. But when times get tough, people who are burdened by high student loan debt look for every possible option to get out. Make sure you are educated and contact us about our student loan services.

tagged: student loan services, student loan services san diego, student loan services california, student loan services san diego ca

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Easy Loans

Easy Loans

In the latest news, the Federal Reserve's Board of Governors warned that soaring student-loan debt features "parallels to the housing crisis," in accordance to a May report in Bloomberg. As with housing, free-flowing cash will lead to extensive standard. Of program, it's easier to repossess a tract household than to take back once again a potentially useless degree.

Federal Reserve Chairman Ben Bernanke dismissed these issues by saying that many of the cash in the student-loan sector is federal cash, which just means taxpayers – instead than lending institutions – will take the initial hit. But the board of governors makes a salient point as student loan debt soars to $1 trillion and surpasses the nation's level of credit-card debt.

"The bankers said student lending shares functions of the housing crisis including 'significant growth of subsidized lending in pursuit of a social good,' in this case higher education rather of expanded home ownership," according to that Bloomberg report. "The financing features placed upward force on tuition, simply as the home loan lending growth led to rising home costs, they stated, calling both examples of a 'lack of underwriting discipline.'"

For my entire life, I've heard policy manufacturers insist that there surely is inadequate funding for training and that getting an university level is the pathway to a much better life. But as the bankers noted, the ocean of student-loan money artificially boosts the cost of tuition, which produces a brand new period of indebtedness by students. Greater tuition makes "pay-as-you-go" a less-likely choice.

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Student Loans Forgiveness

Student Loans Forgiveness

On-time payments are those that are recieved by your federal loan servicer no later than 15 days after the scheduled payment due time.

Complete payments are payments on your Direct Loan in a quantity that equals or surpasses the amount you are required to pay each month under your payment routine. If you make a payment for a month that is less than what you are required to pay for that month, that month's payment will maybe not count as one of the needed 120 qualifying repayments. If you make multiple, partial payments in a month and the total of those partial repayments equals or exceeds the needed full monthly payment amount, those repayments will count as only one qualifying payment.

Scheduled payments are those that are made under a qualifying repayment plan after your federal loan servicer features billed you for the month's payment. They do maybe not include payments made while your loans are in an in-school or grace status or in a deferment or forbearance period.

You must make separate month-to-month payments. Lump sum payments or repayments you make as advance repayments for future months are not qualifying payments. There are unique guidelines on lump amount payments for borrowers whose general public solution work is with AmeriCorps or the Peace Corps.

student loans forgiveness

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Thank you DJ!

I had no idea where to start with my bankruptcy and process. After my first meeting with DJ I felt confident that things were going to go well. He helped guide me through the entire process and time. 

He's very professional and courteous, thorough and extremely knowledgeable. 

I would recommend anyone that needs a bankruptcy lawyer/ student loans. 

Don't have a second thought when choosing DJ Rausa!

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Posted by a client - February 15, 2016

AVVO Lawyer Rating is Superb!

Respected Legal Source

D.J. Rausa interviewed by the Wall Street Journal for article on Bankruptcy and Student Loan Debt.

D.J. Rausa is recognized as a legal expert in Student Loan Debt Resolution and the associated Bankruptcy Laws.

Read what D.J. recently told The Wall Street Journal regarding the probable rise in Student Loan Debt Resolution through Bankruptcy.

Client Testimonial

To whom it may concern,
Mr. Rausa is extremely knowledgeable with the complexities of Federal Student Loans.
I went from a thriving career to full medical disability, ending with an SSDI placement. Unfortunately, I lost everything and became unable to continue making the student loan payments, so it was in deferment for over five years. When the SSDI settled I tried to negotiate an affordable payment plan with the loan holders but they refused my efforts, instead demanding over twice the amount I could afford.
I contacted Mr. Rausa and found him to be courteous, responsive and quick to assess my situation. He was sure he could help and took time to answer all questions, which relieved much anxiety. Within months he successfully resolved the debt! With much confidence, I highly recommend Mr. Rausa.
Please contact me if you have any additional questions.
Sincerely,
 CJWaldenSignature
CJW
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