Compassionate Guidance for Student Loan Debt Relief in California

Responsive attorneys helping individuals deal with overwhelming debt

When facing unmanageable student loan debt, you might not know what steps you can take to remedy the situation. The knowledgeable attorneys at Sadeghi & Associates can help you create a strategic plan to ease the financial burden of your loans. We provide highly responsive and hands-on legal representation. Our attorneys give each client the individualized attention that they need to get relief from student loan debt.

Options for dealing with your student loans during bankruptcy

In most cases, student loans cannot be discharged in bankruptcy. However, there are certain situations where all or some of your loans can be discharged if you file for Chapter 7 or Chapter 13 bankruptcy. Some courts use the Brunner test, which takes poverty, persistence and good faith into consideration. Other courts use the totality of circumstances test, which determines if paying your student loans is an undue hardship. The results of these tests may lead to your loans being dischargeable.

Other reasons that your loans may be discharged include:

  • You have become permanently disabled.
  • You were unable to complete your degree because your school closed.
  • The school falsified your ability to benefit from its program.
  • The school enrolled you even while knowing you were unable to meet minimum state employment requirements for the job.
  • The school forged or altered your loan application without your knowledge.
  • You are the victim of identity theft.

Our attorneys use a variety of strategies to seek the discharge of student loans.

Monthly payment reductions are a possibility

Another option to relieve the burden is having your monthly payment reduced, which may occur if:

  • Your income decreases.
  • You have a financial hardship.
  • You lose your job.

Be aware that your student loan creditor does not have your best interest in mind and may be leading you into a repayment plan that is not in your best interest. Speak to one of our attorneys before you agree to monthly payment reductions.

You may be eligible for loan forgiveness

In some specific circumstances, your loan may be forgiven. If, after ten years, you are working for the government, a religious organization, a charity, or as a teacher or nurse, you may no longer have to pay your student loans. In some cases, your loans may be forgiven after 20 or 25 years, no matter where you are employed. Loan forgiveness depends on which repayment plan you are using. An experienced attorney at our firm can explain if you are eligible for loan forgiveness.

Postponement or deferment of your student loan

Postponing or deferring a loan is not always a good option, as your loans continue to gain interest and it only temporarily relieves the debt. However, your loans can be deferred for the following reasons:

  • You are on active military duty.
  • You cannot work due to injury and are receiving temporary total disability benefits.
  • You have become unemployed.
  • You have suffered an economic hardship.

To learn more about your best options for student loan debt relief, get help from our compassionate attorneys. We understand the stress you are dealing with, and we want to help.

Contact our California debt relief law firm today

If you are dealing with student loan debt, our attorneys can help you get the relief you need. Call Sadeghi & Associates today at 949-668-1367 or contact us online to schedule a free consultation. From our Irvine, California office, we represent clients throughout California.

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Our Office

  • Irvine Office

    Address

    47 Discovery
    Suite 200
    Irvine, California 92618

    Phone

    949-514-8605

  • Riverside Office

    Address

    11801 Pierce Street
    Suite 200
    Riverside, California 92505

    Phone

    949-239-7036

  • Anaheim Office

    Address

    135 South State College Blvd
    Suite 200
    Anaheim, California 90212

    Phone

    949-239-7049

  • Newport Beach Office

    Address

    895 Dove St, 3rd floor
    Suite 300
    Newport, California 90212

    Phone

    949-514-8605

  • Beverly Hills Office

    Address

    9465 Wilshire Boulevard
    Suite 300
    Beverly Hills, California 90212

    Phone

    949-239-7063

Testimonials

  • February 22, 2019

    5 Star Attorney!

    I hired Sidney to defend me against a former tenant. This after initially hiring a different attorney , who wasn't making any progress. Just a few days after coming aboard , she brought the case to a very satisfactory conclusion ! Not only was a impressed with the result , but Sidney tried to keep my costs as low as possible! My go-to attorney!

  • February 14, 2019

    Excellent Attorney!

    Sidney is amazing! Unfortunately, the company I worked for had a few very serious legal problems which Sidney took care of. As a leader of the company and next in line to the CEO, I was able to witness first-hand amount of money and time Sidney was able to save our company. I highly recommend her!

  • December 18, 2018

    Most proficient and competent lawyer I have come across.

    Sidney was simply amazing. She took an sensitive emergency situation and handled it quickly in the most brilliant fashion . She is a master in the art of war. Rest assured she is the best money can get . Honast and fair. Worth every penny. She is a winner and i would use her services in a heartbeat . I would call her first . She is on point. Thank you Sidney. Saved my life.

  • December 10, 2018

    One of the best!!

    She is an awesome attorney. Sidney made the whole process painless and is on top of everything. She handled my case in a very professional matter. Her outstanding skills are proven by fighting tooth and nail for me.

  • December 10, 2018

    Batting 1000 on at least 5 cases!

    Sidney has been our corporate attorney handling all contracts as well as litigation matters for over 10 years. In those years, she has given our company invaluable advice in hundreds of situations, reviewed 50 or more contracts and has drafted dozens of agreements for us.

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  • December 30, 2015

    Brilliant!

    I hired Sidney without any reservations , after a thoroughly professional consultation. Not only did I find her to be brilliant strategically , but extremely honest as well . And she kept me informed every step of the way . Sidney care's about her client's, while also trying to keep costs down. She got my case settled in quick time! My new go-to attorney!

  • July 14, 2015

    Very honest, smart. Best lawyer I have ever had!

    I had a probate litigation matter after my parents passed away between many of my family members. It was a large estate and everyone wanted to fight about it. Thank God I found Sidney and her firm. She was aggressive, smart and she always told me exactly what I needed to hear to get to the outcome I was looking for. It's not the cheapest, but it was the best.

  • October 5, 2013

    Happy CLient ..

    Sidney is THE BEST Lawyer I have ever Had.. Before I hired her I had Two other Big Lawyers that could not get the Job Done that I hired them for. I Fired them and Hired Sidney.. Not only did she get the job Done I got an apology letter from the Creditor! I will ALWAYS Recommend Sidney to anyone that Needs a Lawyer..

  • January 31, 2009

    Fantastic

    She was very intelligent and kept me informed of all details. I highly recommend her.