It seems as though the subject of student loans is constantly in the news. Analysis as to whether they should be forgiven and how many families are saddled with them is never-ending. And the reality is that student debt is truly a big issue, one that is frequently discussed at all levels of politics and is ever-present in presidential campaigns.

Nowadays, the situation regarding student loans has been affected by the COVID-19 pandemic. Since its outbreak, the government has put in place relief efforts and some student loan lenders have even tried to lend a hand in order to help those suffering from the effects of the pandemic. However, for those who still have to pay these NJ student loans off, being burdened by them has become a nightmare.

Work with Stuart M. Nachbar, Esq., Student Loan Debt Lawyer in New Jersey

If you seem to be drowning as you try to pay off your New Jersey student loans with no solution in sight, Stuart M. Nachbar, Esq. is the student loan lawyer in NJ you need now. He has the tools and expertise to help you navigate the complex and difficult-to-understand world of student loans. He knows the ins and outs of all types of student loans, whether they are federal or private, and can help get you out of default and into a more reasonable repayment plan. In short, he can make the system start working for you.

Your New Jersey student loans lawyer can:

  • Help you understand your rights and options regarding your NJ student loans.
  • Represent you in negotiations with the holder of your student loans, your loan servicer, debt collector, and others.
  • Protect you from the abusive behavior of debt collectors and agencies.
  • Provide guidance on how to resolve defaults or delinquencies.
  • Handle disputes and represent you in court when necessary.
  • Help you apply for a loan discharge.


Should you apply for a student loan bankruptcy?

As with any bankruptcy process, a student loan bankruptcy is not an easy one. Through it, you would discharge your student loans, whether they are private or federal, full or partial. To be successful though, you would have to prove that paying them off represents an undue hardship.

Stuart M. Nachbar, Esq., your student loan bankruptcy attorney, will help you prove that you are unable to pay back your student loans because doing so would have untold consequences on your life and that of your loved ones. However, before going to court, he will explain to you the possible consequences and negative impact of a bankruptcy filing on you and your dependents.

How can you prove undue hardship in a student loan bankruptcy?

Your situation needs to be quite extreme and not just because you are having a hard time making ends meet. A disability, an illness, or a financial situation that is not expected to improve, might help convince the courts that you are truly under undue hardship when it comes to paying your student loans NJ.

However, working with an experienced student loan attorney can help you convince the courts that you are actually going through an unimaginable situation and have your outstanding bankruptcy student loans reduced or discharged.

Stuart M. Nachbar, Esq. is the Student Loan Lawyer You Need Now

If, after careful consideration and a thorough understanding of your personal financial situation, you have decided to pursue bankruptcy on student loans, Law Office of Stuart M. Nachbar will work with you to decide whether this is the best way to proceed or if there are other options available that will give you better results.

He will make sure you are prepared for your adversary proceeding, a hearing in which it will be determined whether you qualify for undue hardship standards. He will also guide you when it comes to deciding whether you should file for Chapter 7 or Chapter 13 bankruptcy since student loan debt can be addressed under either of those options. He will work with you to get your student loans discharged, partially discharged, restructured, or fully discharged, giving you the breathing room you need to continue living your financial life in a way that will be much easier for you to handle. Make an appointment today.

We serve clients throughout the following counties:
Essex, Warren, Sussex, Morris, Passaic, Union, Somerset, Hunterdon. Bergen, Hudson and Middlesex.
We are close by to Livingston, West Orange, Newark, Belleville, Clifton, Irvington, East Orange, Paterson, Passaic, and Verona and more.