Roseville Bankruptcy: Special Considerations for Student Loans and Taxes

Taxes and student loans present unique questions that require the counsel of an experienced bankruptcy attorney.  Recent changes in the law have changed how student loan debt is treated.  Until 1998, student loans were typically discharged in a Chapter 7 filing as long as payments began on the loan seven years before filing.  New law make student loans non-dischargeable, which means they cannot be eliminated in a Chapter 7 filing.  Sagaria Law in Roseville has responded with a strategy to help our clients gain relief under Chapter 13 bankruptcy protection.  Chapter 13 allows you to combine your student loan debt, along with your other debt, into a consolidated repayment plan, avoiding the pain of garnishments and collection efforts.  In addition, often we are able to reduce the overall amount you must pay on the student loans, making your consolidated payment plan payments as low as possible.  To learn more, call Sagaria Law in Roseville now to schedule a meeting with an experienced bankruptcy attorney to help you understand all the complexities that affect your case.

Like student loans, tax debt also requires an experienced practitioner.  Bankruptcy rules allow tax debt to be discharged only three years after a timely, accurate tax return is filed.  For taxes owed on a late tax return filing, the bankruptcy must be more than two years after an accurate return to discharge tax debts.  Keep in mind, this information are just general rules, and only by speaking to one of Sagaria Law’s Roseville attorneys can we give advice which is specific to your unique circumstances.

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