Emancipate Yourself from Mental Slavery -Discharge Your Student Loans

On May 13, 2013, Monique Evette Jones sought a discharge of her student loan obligations in her Chapter 7 bankruptcy case. Chief Judge Eric L. Frank granted a discharge of approximately $29,760.00 in student loans. The Brunner Test Section 523(a)(8) provides that student loans are dischargeable if they impose an undue hardship on the debtor and the debtor’s dependents.” 11 U.S.C. § 523(a)(8). A debtor seeking to discharge her student loans must prove that: (1) based on current income and expenses, the debtor cannot maintain a “minimal” standard of living for herself or her dependents if forced to repay the 

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Life After Bankruptcy

Congratulations! In less than 120 days you received an Order of Discharge and your case is closed. You can get on with your life and enjoy the fresh start that bankruptcy offers. Rebuilding Your Credit The first step in rebuilding your credit is to obtain a secured or unsecured credit card. An unsecured credit card is free although a secured credit card requires a downpayment. Any payments made to the unsecured or secured credit card will be reported to all three major credit bureaus so be sure to make on-time payments to increase your credit score. There are 2 critical 

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