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Student Loan Assistance Lawyer In San Antonio, TX
Getting an education was a necessary step for you to take, so you could embark on your chosen career path. Sadly, taking out student loans was also necessary. Without the loans, it would have been difficult, if not impossible, to pay for school. Now, though, school is over, and it’s time to repay your loans. You’re having trouble making payments, and you might have even defaulted on your loans. No matter how bad your situation seems, help is available. Get some information and then call a San Antonio student loan assistance lawyer.
Why Hire A San Antonio Loan Assistance Lawyer?
A San Antonio loan assistance lawyer can help you get out from under your debt. When you hire a lawyer from the Ciment Law Firm, you will have an advocate by your side to:
Ask Us A Question, Tell Us Your Situation,
Or Schedule A Call With Us
Call (833) 637-1075 or fill out the short form below. We will respond on the same day if you’re reaching us before 5pm – otherwise, next business day. Don’t hesitate: We welcome your questions!
We respect your privacy. The information you provide will be used to answer your question or to schedule an appointment if requested.
What To Do If You Default On A Federal Student Loan
It is possible to get your loans back to their current status after default without paying in full. A San Antonio student loan assistance lawyer can help you choose between loan rehabilitation and loan consolidation.
If you want to get the default removed from your credit report, loan rehabilitation might be the right choice. The loan servicer will choose a payment amount based on your discretionary income. Then you will pay that amount nine times within 10 months. After the ninth payment, your loan will be current.
Loan consolidation doesn’t remove the default from your credit report, but it does allow you to choose your loan servicer and make a single payment each month instead of multiple payments. Consolidation pays off your debt and creates a new loan, making your loan current immediately. You have to make three on-time payments on your defaulted loans or consolidate under an income-driven payment plan to get approved for consolidation.

Get The Best Defense For Your Case
You deserve to work with an attorney you can count on to do everything in their power to win your case. Schedule a strategy session with our firm today to develop the strongest path forward.

Can You File For Bankruptcy?
It is challenging to discharge federal student loans through bankruptcy. You have to file an adversary proceeding so the court can determine if repaying your debt prevents you from maintaining at least a minimal standard of living. The circumstances that cause this undue hardship should be unlikely to change for most of the loan. The court also requires that you have made a good-faith effort to repay the loan, even though your circumstances made it difficult. If approved, the court can discharge the entire balance or some of the amount you owe. It can also restructure the loan so you can repay it with more favorable terms.
While you likely don’t qualify for bankruptcy, there is still help available. Your San Antonio student loan assistance lawyer can help you find another option.

Avoid Legal Action After Defaulting On Private Student Loans
Private lenders often take consumers to court after they default on their loans. If you’ve defaulted, contact a San Antonio student loan assistance lawyer to represent you. Your attorney will become the new point of contact for the lender, so you won’t have to deal with any more collections calls. Your attorney will also negotiate with the lender to reach a settlement. Then, you can finally move past your student loan debt.

Contact Our Student Loan Assistance Lawyer In San Antonio, TX
You don’t have to suffer under overwhelming student loan debt. Get help from a San Antonio student loan assistance lawyer by calling 833-637-1075.

Why Choose The Ciment
Law Firm, PLLC?
- Free ConsultationFind out which debt resolution option is best for you during a free consultation.
- Positively ReviewedOur firm has numerous positive reviews on Google, Avvo, and other websites.
- Options for All NeedsFrom bankruptcy protection to judgment lien releases and student loan assistance, our firm provides ample options to resolve your debts.
- Experience on Both Sides of the FieldDaniel Ciment started his career at a debt collection law firm and now protects those in debt. His experience on both sides allows him to find solutions for his clients.
- Compassionate and TransparentPatient and knowledgeable, the team is available to answer all questions and explain the process so that clients can reach their desired outcome.
- Six Office LocationsSchedule your appointment at an office in Katy,

Cloud Title On Homestead
You must have a clear title when refinancing or selling a home, which is why an abstract of judgment is problematic. The judgment lien creates a title defect or a cloud on the title. This means that there is an unresolved issue that must be addressed before making any real estate transactions. Title companies enforce the lien as a way to protect themselves in case the home isn’t eligible for homestead exemption because it’s not your primary residence. If a title company allows the transaction to proceed and the property isn’t your homestead, it has to pay the judgment. Fortunately, a Texas judgment lien release lawyer can remedy this issue.

Getting A Full Release
In some instances, you have to get a full judgment lien release. This completely releases the judgment, so it isn’t attached to you or your property. There are normally two options for obtaining a full release. First, you can pay the judgment in full. If you don’t have the means to do that, your Texas judgment lien release attorney might be able to negotiate a settlement. If the creditor accepts the settlement, you will receive a full release once it’s paid. Without taking action, the judgment will remain valid for 10 years. It’s important to contact a judgment lien release attorney to go over your options if you need a full release.

Proof Of Homestead
Judgment creditors often require proof of homestead before signing a partial lien release. Your Texas judgment lien release attorney will help you provide the necessary documents. You might need to submit an affidavit that states that the property is your homestead. The creditor also might require a tax certificate that proves you’ve filed for homestead exemption. In addition, the creditor might ask for affidavits from others that state that the property is your homestead, and you live there. In some cases, the creditor can even require the escrow agent to examine the property to ensure it’s your homestead. Due to the complexity of proving homestead, it’s a good idea to get help from a Texas judgment lien release attorney.
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