San Diego bankruptcy litigation attorney D.J. Rausa uses his knowledge and litigation skills in matters involving tax debts, child and spousal support enforcement actions and consumer bankruptcy. He appears on behalf of clients throughout San Diego and Imperial Counties, advocating for clients in cases involving:
Attorney Rausa advocates for individuals and families consumed by debt after dealing with catastrophic medical bills, job loss, and other factors. Contact him today to discover whether you qualify for debt relief through Chapter 7 or Chapter 13 bankruptcy.
Since 1993, attorney Rausa has provided clients with the legal representation they need to put their financial and legal concerns behind them. Mr. Rausa was one of the first lawyers in San Diego County to shape interpretations of recent federal bankruptcy law changes. He is committed to remaining at the cutting edge of the law and sharing his knowledge of consumer bankruptcy to credit counselors and real estate professionals in San Diego.
During a free initial consultation, attorney Rausa will address your pressing financial concerns and advise you on the new bankruptcy law myths.
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Student loan debt cripples many student loan borrowers, including recent graduates. Many leave college with thousands of dollars in student loans. Even with a steady job, it can be difficult to meet student loan repayment obligations. Others struggle for years in an attempt to manage the student loan debt.
Attorney D.J. Rausa is committed to helping clients develop a payment plan they can manage. He can also determine if a student loan might cause the debtor "undue hardship." This can be used as an exception to the student loan repayment requirements.
In San Diego, attorney D.J. Rausa helps clients obtain relief from student loan debt. He has more than 20 years of experience. He is committed to making sure everyone has a chance to obtain student loan debt relief. Contact us for help addressing your student loan concerns.
Students may have received federal student loans or loans from private companies – many students use a combination of both to get through school.
Many students have also turned to parents, grandparents or others to either take out the loan or co-sign for it. Either way, this makes the parent a student loan borrower.
Because so many students have gotten in over their heads with excessive student loan debt, the federal government has developed a whole host of options available to address Federal Student Loans. These types of loans are subject to programs offered by the U.S. Department of Education.
To find out what Federal Student Loans you have, go to the National Student Loan Data System, www.nslds.ed.gov, to get your report. This report contains vital information in evaluating what the next step will be to address your Federal Student Loans. If a student loan is not on this report, chances are the loan is a private student loan.
Once this information is reviewed, Attorney D.J. Rausa will be able to determine what the best options are.
Private Student Loans are NOT subject to any Federal Student Loan Program. Therefore, they have to be addressed in a completely different manner.
Options for Private Student Loans are very limited, however Attorney D.J. Rausa may be able to negotiate favorable terms of repayment. The factors widely vary from lender, servicer, and collection agency. Therefore the results also vary.
If favorable terms cannot be reached, then a Chapter 13 Bankruptcy is an option that can be exercised to force the Private Student Loan lenders to accept an affordable payment.
There is a common misperception that once you take out a student loan, you are obligated to pay it all back no matter what. This is not entirely true. While some student loan debt may not be discharged through bankruptcy, The Law Offices of D.J. Rausa may have ideas to help you reduce or discharge your debt.
However, it is important to note that the process of discharging student loan debt differs from the process of discharging other types of debt and will require a detailed analysis of the type of student loan as well as the history of the loans.
Student loan debts are not automatically discharged through Chapter 7 bankruptcy. The Chapter 13 bankruptcy process can be used to restructure your student loans into a more manageable monthly payment. Attorney Rausa offers comprehensive Chapter 13 bankruptcy solutions to help you set up a payment plan to pay down your debt, including your student loans.
Chapter 13 repayment plan can last for as long as five years. Attorney Rausa will develop a feasible plan for you in order that some percentage of all your debt is paid. During the pendency of your case, you will be protected from any and all collection activity; this includes the IRS and any student loan collection agencies or servicers.
Sometimes student loans can be forgiven when the borrower is shown to have endured “undue hardship,” such as:
Attorney Rausa is prepared to address all of your questions regarding undue hardship.
Find out more about these related topics:
Contact us by e-mail or call toll free at (619)295-3322 to see if you qualify for the hardship exception, or if reorganizing your payment plan is a better option. A free initial consultation is available with an experienced San Diego student loan debt relief lawyer.
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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Filing for bankruptcy is not for everyone. Bankruptcy attorney D.J. Rausa helps clients negotiate with their creditors to reduce or reorganize their debts outside of the bankruptcy process. With over 20 years of experience as a California consumer bankruptcy attorney, D.J. Rausa is an assertive negotiator. He has handled countless debt negotiations and reorganizations for clients throughout California.
To learn more, schedule a free consultation with a San Diego debt negotiation and reorganization lawyer.
Many individuals attempt to negotiate with their creditors on their own. However, they often find themselves up against a wall. Creditors are much more likely to respond to an attorney's call. They are also more likely to agree to a better settlement when an lawyer is present at the negotiation table.
For the best results with debt negotiation and reorganization, you need an advocate who knows the system. Attorney D.J. Rausa knows creditors, knows the law, and knows what to do to get results. When you have extensive debts and would like to protect your family's assets, turn to him.
In the best cases, a debtor will be able to negotiate a permanent reduction in the debt he or she owes a creditor. Known as a debt workout, creditors often agree to debt reduction if a debtor would be able to remove the debt completely in Chapter 7 bankruptcy.
In other cases, the creditor will negotiate a debt consolidation with the debtor. Debt consolidation allows the creditor and debtor to reorganize debt through extended payment plans.
Attorney Rausa has experience successfully negotiating debt workouts and debt consolidation plans for individuals with overwhelming debt. When you want relief from credit card debt, home mortgage payments, medical bills, court judgments and more, attorney Rausa can help.
While debt reorganization is a promising option for many individuals, it can also lead to consequences, such as higher taxes. In some cases, the creditor may not be willing to reorganize or consolidate debt. D.J. Rausa can help you understand all of your options for debt relief, including determining whether you can and should file for Chapter 7 or Chapter 13 bankruptcy.
Free Initial Consultations * Available Evening and Weekend Appointments