school loan
Date: Mon, 05/14/2012 - 10:00
My school was discharged in bankruptcy through the original lender. The loan was repurchased by the guarantor. They are now trying to collect on the loan. Should I send a debt verification letter to them since they are refusing to except this loan being discharged?
Student loans are NON dischargable in a general bankruptcy. Y
Student loans are NON dischargable in a general bankruptcy. Your attorney should have told you that. In your bankruptcy discharge it says "all dischargable debts are discharged" The only way to discharge them is to show undue hardship using the Brunner Test. This requires a seperate hearing outside of the bankruptcy hearing.
- If forced to repay the loans, the debtor could not maintain a minimal standard of living for himself and his dependents
- Circumstances show that this state of affairs is likely to continue for a very long time
- Debtor has made good faith efforts to repay the loans
If you did not have an adversarial hearing and pass the Brunner Test, you owe the debt. Consolidate it quickly with Direct Loans and get on with your life.
