A client surrendered a home in chapter 7. The lender repeatedly contacted the client about the debt, in violation of the bankruptcy discharge order.
Lender was warned to stop contacting client but continued harassment. I filed a Motion for Sanctions.
The lender settled with the client. Amount of the settlement was confidential.
Student loan client was being garnished on his federal loans by two separate companies. He was placed into a rehabilitation of his student loans and after 5 months the garnishment stopped. We then consolidated his loans into one loan into an income driven plan.
I was able to discharge a Sallie Mae “student loan” through an adversary complaint in a chapter 7 bankruptcy.The loan was not for higher education, so I was able to defeat the normal exception from discharge for student loans.
Client was involved in paying a debt settlement company each month to build enough funds to pay creditors. Company refused to return the money. A demand letter from me resulted in a refund check to the client.
Client was able to recover almost $4000.00 from the unclaimed funds depository after her chapter 7 was discharged. I submitted a motion to the court to return the funds to the client after a creditor failed to claim the funds itself.
Client was behind $15,000 on 6.75% mortgage. Through the Chapter 13 mortgage mediation program, the client obtained a new 30 year loan at 5.25%, arrears put on the back of the loan, and saved about $150/month.
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