November 2014

If you are struggling financially, it may be time to consider how filing a bankruptcy could benefit you and your family. An individual who wants to file bankruptcy will either file a case under Chapter 7, Chapter 11, or Chapter 13. Each type of case has its own pros and cons to consider. This blog […]


Before your personal bankruptcy case is filed, it is imperative that you review your Petition, Schedules and Statement of Financial Affairs to verify that all of the information is true and correct. However, because we are all human, it is always possible for something to get overlooked or for an error to occur. What can […]


When you reach your “golden years,” you are entitled to many specials and benefits. Unfortunately, when it comes to filing a bankruptcy case, a senior citizen must follow the same rules and procedures as everyone else. However, filing a personal bankruptcy can still be beneficial for older adults. Many seniors have less to lose when […]


Understanding IBR, ICR and PAYE

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If have a student loan and you are interested in reducing your monthly payment to a more manageable amount, we can help you explore your income-based repayment plans and determine if you meet the eligibility requirements. IBR and PAYE Plans If your monthly payment (based on your income) under the Income-Based Repayment (IBR) or Pay […]


Going into the Health Profession? What to know about HEAL Loans

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The Health Assistance Loan Program (HEAL) provided insurance for lenders participating in the student loan program and lending money to students in medical and healthcare related fields. HEAL was an active program from 1978 until 1998. The Health Professions Student Loan (HPSL) program currently provides student loans to qualifying borrowers obtaining a degree in certain […]


Qualifying for Public Service Loan Forgiveness

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If you are working full-time in a public service job, you should determine whether you qualify for the Public Service Loan Forgiveness (PSLF) program. Under this program, qualifying borrowers may have the remaining balance of their student loan forgiven. How do you qualify for this type of loan forgiveness? You must work full-time for a […]


How does Federal Student Loan Settlement Work?

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If you are interested in settling your defaulted federal student loan, it is important to understand that a settlement results in a lump sum payment to satisfy the total amount you owe in full. Typically, the U.S. Department of Education will require you to pay the full settlement amount within 90 days from the date […]


Sallie Mae Student Loans: Who is Navient?

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Borrowers with Sallie Mae student loans may soon be receiving communications from “Navient.” Sallie Mae has announced that it has split up into two companies and Navient, the new company, will be handling all of the servicing and billing of its federal and certain private student loans. It is important to understand that your student […]


Identifying Unscrupulous Debt Collectors

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If you are past due on your student loan payments, you are likely being harassed by a debt collector urging you to pay your debt. Anyone who is dealing with debt collection agents should know how to identify unscrupulous or unlawful behavior. The Fair Debt Collection Practices Act (FDCPA) was created to protect consumers by […]


Collection Fees With Federal Student Loans

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As if owing an overwhelming amount of student loan debt isn’t bad enough, do you know that if you default on your loan the lender can add collection fees to the cost of the loan? In fact, it is common for any collection charges to be deducted from each payment you make before anything is […]


  Leiderman Shelomith
  Bankruptcy Attorneys

  2699 Stirling Road, Suite C401
  Fort Lauderdale, FL 33312
  Phone: 954-920-5355
  Fax: 954-920-5371



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