Archive for April 2019

Up until recently, student loan debt was on the short list of debts you could almost never discharge through bankruptcy. It wasn’t impossible, but neither was it easy. Borrowers had to prove they’d face “undue hardship”, which was determined under the “Brunner Test.” The Brunner Test has three prongs: Whether forcing you to pay the…

They really make it look or sound like they’re doing you a favor. Maybe you get a letter in the mail. “For a limited time only, we’ll give you this special offer! We’ll accept $238 on your debt of $304.79, and then we’ll consider it paid in full!” Sometimes you get the offer over the…