Redwood City Bankruptcy: Taxes & Student Loans

At Sagaria Law in Redwood City, we assist our clients in discharging or reducing their student loans by using Chapter 13. Until October 1998, student loans were discharged through Chapter 7 bankruptcy if the first payment on the loan became due more than seven years prior to the date of filing. In October 1998, President Clinton signed a new law into effect that disqualified all student loans from discharge. Under Chapter 13 bankruptcy, our attorneys consolidate student loan debts, along with any other outstanding bills, and arrange an interest-free repayment plan, so that our clients do not have to suffer through the burden of garnishments, harassment and other collection efforts by student loan agencies. We may even be able to lower the amount paid to the student loan agency during the course of your Chapter 13 bankruptcy so that the consolidation payment is as low as possible. Call our office at Redwood City to see how we can help ease the burden of students loan.

Tax debts, though, are generally subject to discharge only if filed as personal bankruptcy more than three years after timely, truthful tax return was filed. If a return is filed late, the taxes are generally discharged only if bankruptcy is filed two years after filing a truthful tax return. These are only general rules and a Sagaria attorney at Redwood City will perform a detailed analysis of these issues.

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