Student Loan Lawsuit Defense

Student loan debt has surpassed credit card debt in the United States and is a hot topic today.  We are all raised to think that higher education will lead to good jobs and financial stability.  But what happens when that higher education fails to deliver and only adds to your hardships?  It can be overwhelming to say the least.  Now, add to that frustration and disappointment the stress of having to face a lawsuit in a court of law.


The debt relief options available for those suffering with student loan debt are limited.  Bankruptcy is a challenging option to address student loan debt because student loans are generally considered nondischargeable debts unless you meet the undue hardship exception.  So where does one go for help once the creditor decides to file a lawsuit?  The answer really depends on your personal situation.


At EDF Law, we can explore options that may help you obtain relief from the harassment.  There are times when these types of lawsuits have defects and the lawsuit can be dismissed, and other times when a more favorable settlement plan can be reached.  As a last resort, we can even explore how Chapter 13 bankruptcy might help provide you relief while you try to position yourself in the job market.


To learn more about your options, including whether you qualify for the bankruptcy undue hardship exception for student loans, please call us.





Please be aware that time limitations will apply to the lawsuit.  You must act quickly because a response to the lawsuit will be required within the deadlines set forth in the lawsuit papers.  We have helped people facing similar lawsuits obtain dismissals or resolve the lawsuits utilizing various methods.  Contact us today to receive a free consultation and learn more about how we can help you gain relief from the lawsuit.  When you call us, don't forget to ask about how we might be able to help you at no cost and what happens after the lawsuit is resolved.

Collection Judgments May Result In:



A lien against your house, making it difficult to sell or refinance



The sale of your personal property, including your vehicle & household furnishings



A bank account garnishment freezing your account



A negative effect on your credit report for years or even decades in certain circumstances








Bankruptcy Attorney Pittsburgh, Ross Township, West View, 15237, Chapter 7, Chapter 13

If I want to hire an attorney, are the fees expensive?

Our fees to repesent you in any collection lawsuit will depend on a few factors that we can discuss during your free consultation.  Our fees are based on a flat rate with no hidden or additional fees. 


At EDF Law, we offer competitive rates and affordable payment plans that fit most budgets.  We understand this may be a difficult time for you and the last thing you need is to over pay for legal fees.


If the student loan lawsuit is a violation of consumer law, we will represent you for free and demand monetary damages & attorney's fees directly from the creditor.  In such cases, you will receive up to $1,000.00 for the violation plus actual damages when the creditor breaks the law.  To find out if the student loan lawsuit filed against you is a violation, contact us.

Will I have to go to court?

That will depend on how you handle the student loan lawsuit.  If you elect to represent yourself, you will have to go to court to defend yourself against the claims.  In most circumstances when you hire an experienced debt defense attorney, you will not have to go to court. There may be unique circumstances in your case that make it beneficial for you to attend a court hearing or require your attendance.       


We offer free consultations and can answer all of your questions or concerns when facing collection lawsuits.  By hiring us, you may avoid the inconvenience of calling off work and the stress of appearing in court.  The student loan collector has trained attorneys representing it, and so should you.

If the student loan lawsuit is not defective or I cannot work out an arrangement with my lender, are there any alternatives to gain relief from the harassment?

Yes.  Bankruptcy may be a realistic option to gain relief from the student loan debt situation.  However, you will need to speak to an experienced bankruptcy attorney to determine if your situation meets the standards.  At our office, we explore all options that may help you gain relief from student loan debt when you are unable to pay and the lender will not work with you.

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If you have been sued in Pennsylvania by a National Collegiate Student Loan Trust, we need to speak to you right away!  Our experience has been that these lawsuits are commonly filed in a defective manner.

Past experience and/or success cannot serve as a guarantee of certain outcomes.