The student loan crisis is now well beyond the $1 trillion mark. The U.S. Department of Education recently released data that 13.7 percent of borrowers are in default. And while student loans often receive special protections under the law, such as bankruptcy discharge rules, or garnishment preference or priority rules, collectors of student loans must […]


Almost anyone who has a large student loan knows that the general rule is that you cannot discharge student loans in a bankruptcy. If you could, every college graduate in America would be lining up to file. Of course, there are some exceptions to this general rule, which the professionals at Leiderman Shelomith, P.A. can […]


There are plenty of great reasons to live in Florida – the weather is beautiful, you’re never more than 45 minutes away from a beach no matter where you’re located in the state, and, let’s not forget, it’s the home of the happiest place on earth, Disney World. If you’re already a college student, or […]


If You Are a Service-Disabled Veteran, You May Qualify for Student Loan Forgiveness

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If you are a service-disabled veteran, and you are unable to keep up with the payments on your student loan, the Department of Education offers complete student loan forgiveness. Federal student loan programs will allow you to discharge your student loans if you are found to have a total and permanent disability. This process is […]


Choosing a Job That Can Help Eliminate Your Student Loans

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You worked hard in school. You got into the college of your choice. You made good grades, and you graduated with Pomp and Circumstance.  Now what? Are you on your on your way to your dream job? At the end of 2013, American students owed approximately $1.08 trillion in aggregate student loan debt. Nowadays, instead […]


Top Benefits of Filing Chapter 7

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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 […]


Reopening a Bankruptcy Case

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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 […]


Should Senior Citizens Seek Bankruptcy Protection?

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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 […]


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  Phone: 954-920-5355
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