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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As Veteran of the United States Navy, I thought it appropriate to address the Discharge of Federal Student Loans if a Military Veteran is disabled because of a service related injury.

As we all know, in today’s economy student loans seem to haunt every generation. The most recent graduate, who finds their student loans are not due for the first time, recognizes this. The student loan borrower who has exhausted their very last deferment is feeling the pinch. Even those who are drawing Social Security or other Federal Benefit, may realize the catastrophic  economic impact of the offsetting of their benefits.

However, nothing is more injurious to our Disabled American Veterans who find themselves lost and confused because they have U.S. Veterans Benefits that are insufficient in addressing their living expenses and their Federal Student Loans.

The U.S. Department of Education has a Student Loan Discharge program for Disabled Veterans. If a Veteran is unemployable due to a service connected disability, as determined by the U.S. Department of Veterans Affairs, then the Veteran may be able to Discharge his or her obligation to repay their Federal Student Loans, without regard to balance owed or status of collections.

Additionally, there are two other extra benefits for the Disabled Veteran who qualifies. The first being that any and all amounts paid to the Federal Student Loans, are refunded to the Veteran and retroactively applied to the date of Disability Determination. The second, there is no requirement for any monitoring of the Disability. Both are extremely beneficial to the Disabled Veteran.

Call to Action: 

If you find yourself unable to address your student loans, and are drawing benefits under Social Security, Social Security Disability, State Disability, or any Disability Rating by the Veterans Administration, please contact my office for an evaluation of your financial situation.

These programs are available to Veterans and Retired Persons.

Debt Consolidation Companies

Having lots of debt can really feel like you're going through your life with a cloud hanging over you. No matter what you are doing, stress and fatigue about your debt can stay in the back of your mind.

Finding reputable debt consolidation companies :: Let's say you see an ad for a debt consolidation companies that promise to help you pay down your debt quickly. "Really?" You might think. "I've tried to pay this off on my own for as long as I can remember, maybe obtaining outside help is what I need to help me finally knock this debt out of my life."

All of this is perfectly understandable, but you will have to keep in mind that there will nothing easy about it. If you are thinking about going to debt consolidation companies, then you will need to do your homework and find debt consolidation companies that are honest, or you might end up in a far worse situation than you could have ever imagined!

tagged: debt consolidation companies, debt consolidation companies san diego, debt consolidation companies california

Government Student Loans

If you apply for government student loans, you may be offered government student loans as part of your university's financial aid. A student loan is money you can borrow and must pay back with varying interest.

If you then decide to take out a government student loan, make sure you know who is making the loan and the terms and conditions of the loan. Government student loans can come from the federal government or from private lender sources like a bank or any financial institution. Loans given by the federal government, called federal government student loans, can usually offer borrowers lower interest rates and have flexibility in their payment options than loans from private banks or other private sources. Learn more about government student loans

Student Loan Consolidation Companies

Student loan consolidation companies allow you to consolidate or combine multiple federal loans into one loan. The result of using student loan consolidation companies is one single monthly payment instead of multiple payments.

  • Should I consolidate my student loan?
  • What types of student loans can be consolidated?
  • When can I consolidate my student loans?
  • What are the main requirements to consolidate a student loan?
  • What are the interest rates on a consolidation student loan?
  • When should I begin payment?
  • Are there multiple repayment plans?
  • How do I apply for a Direct Consolidation Student Loan?
  • Whom should I contact if I have some questions about student loan consolidation?

tagged: student loan consolidation companies

Credit Card Debt Relief

Are you having trouble paying your bills? Are you getting notices from your creditors? Are your bank accounts being turned over to multiple debt collectors? And are you very worried about losing your house or your automobile? You are not alone. Obtain credit card debt relief today! Many people are in financial crisis at some point in their life, and sorely need credit card debt relief. If the crisis is caused by your personal needs or family sickness, the loss of your job, or just overspending, it can seem daunting. But often, you can get the credit card debt relief you need. Your financial situation does not need to go from bad to worse. Contact Debt Doc today to find out how you can obtain credit card debt relief!

tagged: credit card debt relief, credit card debt relief san diego

Perkins Loans

Federal Perkins Loans provide low interest perkins loans to students so they can finance the costs of their education. If you are a student attending any one of the (approx.) 1,700 participating institutions, you can obtain Perkins loans from that school.

The school's revolving Perkins loans program is replenished by always ongoing activities, such as collections by the institution on outstanding Perkins loans given by the school and reimbursements from the that department for the cost of certain loan cancellation provisions.

tagged: perkins loans, perkins loans california

Debt Help

If you or someone close to you is in financial trouble, consider some options: self-help using basic budgeting and other debt help techniques; debt help services, like credit counseling or debt help from a reputable organization, debt consolidation, or bankruptcy. How do you know what service will work best for your needs? It all depends on the level of debt help you need, your level of discipline, and your plans for the future.

tagged: debt help, debt help san diego

Student Loan Debt Forgiveness

I want to learn about Student Loan Debt Forgiveness. When can a federal student loan be forgiven, discharged, or canceled?

Everyone must repay their student loans even if they don’t complete their education, can’t find a job that isrelated to their major or area of study, or are simply unhappy with the education they paid for with their student loan.  However, there are certain circumstances that might lead to student loan debt forgiveness. Some loans may be forgiven, discharged or canceled. Contact us today to learn more about student loan debt forgiveness!

I Need A Loan

Unsecured Personal Loan

If you need cash to meet your basic expenses, fund a wedding or take a much needed vacation, you have probably considered getting an unsecured personal loan – a loan where you do not put up any collateral, such as your home or your automobile, that the lender of the unsecured personal loan can repossess if you default on the loan. Because the lender of the loan has no guarantee for that loan other than your reputation, you’ll have a much higher interest rate than you would if you put up collateral for the unsecured personal loan.

tagged: unsecured personal loan, unsecured personal loan san diego, unsecured personal loan california

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Compassionate. No-nonsense. Great job. Saved me $85K!

I had three choices: two large groups, or DebtDoc. I chose DebtDoc because of their numerous excellent reviews from clients as well as other attorneys. Also, I wanted someone to provide personal service and have a vested interest in my difficult student loan case.

I certainly made the right choice. DebtDoc's attorneys personally answered two of my phone calls and regularly answered my emails, even on one Sunday evening.

After 30 years of student loan "prison", he got me freedom AND he even got the US Dept. of Justice to dismiss 25% of my loans, which saved me $85K.

I feel like I have a new lease on life because of DebtDoc. I wish I could recommend 10 stars.

Client Testimonial

To whom it may concern,
DebtDoc's attorneys are 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 DebtDoc and found them to be courteous, responsive and quick to assess my situation. They were sure they could help and took time to answer all questions, which relieved much anxiety. Within months they successfully resolved the debt! With much confidence, I highly recommend DebtDoc.
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