student loan debt solutions

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This is real

Upfront fees. Real Options. A clear understanding of the consequences of action and inaction. That what we provide. Because, while everyone else has been telling you that there isn't anything that can be done to escape the crushing weight of student loans, we know better. Over the last year alone, we have used a variety of different mechanisms to save our clients hundreds of thousands of dollars - helping them regain control over their lives and their futures. This isn't a budgeting course and it isn't a trick to try to get you to consolidate your federal student loans. 

our experience 

We have helped clients reduce their their interest rates, eliminated interest on a twenty year repayment plan, negotiated reduced monthly payment plans and got our clients out of litigation. We have saved our clients money and stress and sleepless nights. We hope to do the same for you. 

action vs. inaction

Inaction. So what happens if you do nothing, other than the annoying calls, which expand ever farther until they are calling your mother's cousin's sister's grandmother... at her nursing home - just to see if she knows how to find you because you owe them money? Well, eventually, your lender is likely to get a judgment against you and garnish your pay checks. If you had a co-signor, their paychecks would be garnished, as well. You will also be delaying the day when you can finally start to rebuild your credit and be free of the stress that comes along with student loan debt. 

Action, on the other hand, means having a plan and sticking to it. It might mean consolidating some loans; it may mean stopping payment on a loan that you are presently current on. However, action definitely means that you are working towards a specific goal. You have determined your path based on all available information. Action means that you have taken control and no longer live in blinding fear and stress.

so what are the fees?

The initial consultation is $325.00. During this consultation, the firm and the client will review the borrower's student loans.  In particular, under review will be the source of the loan (federal, state or private) and the current account status (on time, delinquent, defaulted, in litigation, or existing judgment). The borrower will be given the full range of options available to them, along with an explanation as to what following a given course of action involves and what it means for the borrower. The borrower will leave this consultation with the ability to make an informed decision about how to address their student loan debt. Unless you are being sued, you will, at this point have all the information that you need to decide how best to deal with your student loan debt. However, you may still choose to retain the law firm to ensure the proper execution of your plan.

If you are currently being sued, the hourly rate is $275.00. This is due to the fact that litigation is time sensitive, formal and cannot be handled by legal support staff. Only a licensed attorney can act on your behalf to prevent the lender from getting a judgment against you, which would allow the lender to garnish your pay check - as well as the pay check of any co-signor. While this form of representation is the most expensive, it still saves the client more money than simply re-paying the loan.  

If you aren't being sued but still want the law firm to represent you, you have the choice between a monthly payment of $500.00 and paying the law firm the hourly rate of $275.00. This is purely a matter of personal preference. In this case the law firm is working on your behalf to attempt to negotiate loan terms which the client finds acceptable and to make sure that all required paper work has been completed.