R. Flay Cabiness II

The Brunner Test Explained: A Borrower’s Guide to Student Loan Bankruptcy

For years, people have repeated the same line about student loans: “You can’t get rid of them in bankruptcy.” It’s…

1 week ago

Sudden Credit Score Drops and When Bankruptcy Becomes the Practical Option

A sudden credit score drop can feel like the financial version of an unexpected alarm going off at 3 am…

2 weeks ago

Student Loans and Your Finances: Repayment, Relief Options, and What to Know

If you’re struggling to meet your basic financial obligations due to student loan payments, you aren’t alone. The good news…

1 month ago

Secured vs. Unsecured Debt: How This Distinction Affects Bankruptcy Filing Decisions

Most people thinking about bankruptcy know they’re overwhelmed by debt, but they aren’t always sure what kind of debt they…

1 month ago

When Side Hustle Income Complicates Bankruptcy Eligibility

Side hustles used to be simple. You could earn a little extra cash working flexible hours to give you a…

3 months ago

What Facts Actually Matter in a Student Loan Hardship Case?

In a student loan hardship case, not all financial struggles are treated equally. Courts focus on specific facts, such as…

4 months ago

How Medical Collections Can Trigger the Need to File for Bankruptcy

Medical debt rarely starts with a big decision to take on an expense. It starts with an ER visit you…

4 months ago

Understanding Undue Hardship: When Student Loans Might Be Discharged

Student loans are often described as “non-dischargeable.” That phrase gets repeated so often that many people assume bankruptcy can’t help…

5 months ago

Can You Ever Escape Student Loan Debt? What Bankruptcy Means for Borrowers

If you’re carrying student loan debt, you’re not alone. Millions of borrowers are juggling payments while trying to build a…

5 months ago

Why Do I Still Owe Old Student Loans I Thought Were Paid Off?

It can feel shocking to open a letter or see a credit report entry showing student loan debt you believed…

5 months ago