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We’ve been Zooming–doing Zoom virtual bankruptcy consultations–since April 2020. We’re sticking with it.
We stopped in-office consultations with the March 2020 pandemic lock down. (I first heard of Zoom when my church started using it. We’re a small congregation and can see everybody on screen.)
Since April 2020 I’ve Zoomed bankruptcy consultations probably five hundred times.
Three advantages of Zoom virtual bankruptcy consultations
There are three advantages I’ve seen in doing virtual bankruptcy consultations.
First, it saves travel time. The traffic in Northern Virginia is as bad as it’s ever been. It takes too long to get anywhere. Three minutes setting up a Zoom call is better than trying to drive ten miles around here.
Second, people are more comfortable. Especially on the initial contact–what I call the Quick Call–it works out well. I’m at my own computer, where I can access all my info. And you are at home–or wherever–more comfortable and maybe more open than you’d be in an unfamiliar office.
I didn’t expect that. But I’ve seen we cover more ground and clear up more concerns with a virtual consultation.

I’m at my own computer, where I can access my info. And you are at home more relaxed than you’d be at a meeting in an unfamiliar office.
Alexandria Bankruptcy hearings are telephonic.
Hearings at the bankruptcy courts are now virtual, zoom and telephonic. That started with the pandemic. Our association, NACBA, along with the National Association of Bankruptcy Trustees and the National Association of Chapter 13 Trustees, have all asked that policy to made permanent.
Documents can be a problem.
After our quick call, I invite you to fill in my Be Happy form. That’s here. Then we’ll send you a password and links to upload the required documents. (Transferring documents can be the hardest part of the virtual consultation.)
You likely already have some of the documents in pdf. You can take a photo on your phone for the required ID. Having access to a scanner can be helpful. Here’s info on a free scanner for your phone.
Documents have a solution
Going to a nearby Staples or FedEx Office and faxing to us works well. Here’s our fax number. 703-677-8776.
If you need to bring us hard copies of documents, two of my four virtual locations have full time receptionists.
You can drop off documents there and they will get them to me. (These are Regus shared office space buildings. I now work mainly from a “zoom studio.”)
13800 Coppermine Rd, Herndon
800 Corporate Drive #301, Stafford
For most people, Zoom virtual bankruptcy consultation works
With two years experience, I can say for most people, virtual consultations are better.

 SMALL BUSINESS ADMINISTRATION IMPLEMENTS 60-DAY GOODWILL EXCEPTION FOR PPP, EIDL LOANSBlackenterprise.com has a very informative article on a 60 Day Goodwill  Exception for PPL & EIDL loans and how that program operates. The article can be found at https://www.blackenterprise.com/sba-implements-60-day-goodwill-exception-for-ppp-eidl-loans/
Jim Shenwick, Esq  917 363 3391  [email protected] Please click the link to schedule a telephone call with me.https://calendly.com/james-shenwick/15minWe held individuals & businesses with too much debt!

Using Bankruptcy as Financial Relief for Student Loans
Student loans often stand as a significant burden for many individuals. The prospect of addressing these loans through bankruptcy can be daunting. Yet that is a topic that warrants understanding.
Student loan bankruptcy may seem like a financial lifeline. But it comes with its complexities. Bankruptcy can offer relief for various types of debts. But student loans are often the exception. There are circumstances, especially showing “undue hardship”. Individuals might seek relief through bankruptcy.
Quick Summary:

• Filing student loans under bankruptcy is possible. Achieving discharge is generally difficult because student loans are “non-dischargeable” debts. Discharge may be possible by proving “undue hardship.”
• Student loan bankruptcy involves two primary chapters. In Chapter 7, proving “undue hardship” is challenging. Chapter 13 offers a structured repayment plan.
• Discharging student loans through bankruptcy is complex and generally challenging. It requires assessing your financial situation, filing for bankruptcy, and proving “undue hardship”.
• A student loan discharge case needs proof, particularly based on undue hardship. It demands presenting compelling evidence through detailed financial documentation and a strategic approach.

Is It Possible to Include Student Loans in a Bankruptcy Filing?
Including student loans in a bankruptcy filing is an option. But it’s important to understand that discharging student loans is challenging. Student loans fall under “non-dischargeable” debts. That poses challenges for elimination compared to other debt types in bankruptcy.
Nonetheless, individuals may explore relief avenues for their student loans in specific situations. They could do so by demonstrating “undue hardship.”
Can Bankruptcy Clear My Student Loans?
Two primary bankruptcy chapters can help with student loan bankruptcy. Those are Chapter 7 and Chapter 13.
Chapter 7 Bankruptcy
Under Chapter 7, most unsecured debts can find resolution. But student loans are “non-dischargeable.” The debtor must prove “undue hardship” to discharge them. This stipulation presents a formidable challenge.
It demands evidence that maintaining a minimal standard of living would be impossible. This is while repaying the loans.
Chapter 13 Bankruptcy
In Chapter 13 bankruptcy, you create a structured repayment plan for three to five years. Student loans remain non-dischargeable. But the repayment plan allows for more manageable payments. An individual’s income and expenses are the basis for the payments.
This structured approach provides individuals with a workable path to address their financial situation.
How Can I Discharge My Student Loans?
Below is a general guide on how you might pursue the discharge of your student loans:

• Check your financial circumstances. Consider your income, expenses, assets, liabilities, and other challenges.
• File for bankruptcy under the relevant chapter (Chapter 7 or Chapter 13).
• You must prove “undue hardship” if filing for Chapter 7. That involves presenting proof that extends beyond financial difficulties. Show that repaying student loans makes it impossible to afford a basic standard of living.
• You may need to start an adversary proceeding for Chapter 7 cases. This is for seeking student loan discharge. That is a separate lawsuit focused on the dischargeability of student loans.
• The court will decide whether to discharge your student loans or not. Evidence presented during the adversary proceeding will be the deciding factor.
• Stay informed about any legislative changes or court precedents. Those might influence the standards for student loan discharge over time.

How Do I Prove My Case Through Undue Hardship?
Specifics may vary, but we list a general guide on how you can strengthen your case:

• Provide thorough documentation of your financial situation. Your income, expenses, assets, and liabilities will be proof of your current financial standing.
• Show that repaying your student loans would prevent you from maintaining a minimal standard of living. Outline necessary expenses for housing, utilities, food, transportation, and other essential needs.
• Prove that your financial difficulties will likely continue for a significant part of the student loan repayment period. Use realistic projections based on your current circumstances. Consider factors like employment prospects, health, and potential life changes.
• Highlight your genuine and sincere efforts to repay the student loans. The document attempts to negotiate alternative payment plans. It also seeks loan forbearance or participates in income-driven repayment programs.
• Emphasize the impact on your dependents if applicable. Show evidence of their financial dependence on you. Illustrate also how repaying the student loans would affect their well-being.
• Document your medical conditions. Note associated expenses if health issues contribute to your financial challenges. Include medical records, bills, and any information about health issues. These documents add proof to your financial strain.
• Show evidence of active job search efforts if unemployment or underemployment is a factor. That could include records of job applications, interviews, and communications with potential employers.
• Record any attempts to negotiate alternative repayment plans with your student loan lenders. Demonstrating proactive efforts to find solutions strengthens your case.
• Highlight any adverse financial circumstances beyond your control. Examples are sudden changes in employment, a family crisis, or unexpected financial obligations.
• Prove you have complied with the terms of your student loans. Show that you tried your best to meet your repayment obligations before filing for bankruptcy.

What Will Happen if I Ignore My Student Loans?
Ignoring student loan debt isn’t advisable due to its lasting consequences. Unlike other debts, student loans don’t disappear with time. Remember, it can’t be discharged through bankruptcy.
Ignoring them can lead to damaged credit scores, accumulation of interest and fees, legal action (e.g., wage garnishment), and hindered financial goals (e.g.,buying a home). Federal student loan default can also lead to loss of eligibility for future financial aid.
Addressing student debt promptly through repayment plans or seeking forgiveness options is crucial. It can prevent long-term financial repercussions. A financial adviser or bankruptcy attorney can offer great advice in managing the process.
Call Our Bankruptcy Attorneys Today! 
To navigate student loan bankruptcy, you must understand the legal landscape. The term “student loan bankruptcy” is not a simple financial phrase. It is a potential path to relief for people overwhelmed with their student loan debt.
Our experienced bankruptcy attorneys at Northwest Debt Relief Law Firm have invaluable skills. Our attorneys can also assess your financial situation and explore options for managing student loan debt. We can guide you through the bankruptcy process and help present your case for discharge. 
We ensure that you can navigate this intricate terrain with confidence. Call us today for our free debt solution consultations! We can help with your student loan bankruptcy troubles.

  The SBA just announced a new relief program for  PPP and COVID EIDL Borrowers.Details and information about the new relief program can be found at https://www.sba.gov/funding-programs/loans/covid-19-relief-options/covid-19-economic-injury-disaster-loan/manage-your-eidl#:~:text=SBA%20is%20offering%20a%20Hardship,renew%20after%20the%20plan%20concludes.The relief is an extension of the Hardship Accommodation PlanThe new Hardship Accommodation Plan will reduce borrowers monthly payments and help cash flow issues in the short term (6 months or longer) but it will not reduce the sum owed to the SBA or address a failed business that cannot make regular payments to the SBA. Borrowers with defaulted SBA loans should schedule a telephone call with Jim Shenwick, Esq.The SBA is offering a Hardship Accommodation Plan for borrowers experiencing short-term financial challenges. Borrowers eligible for this plan may make reduced payments for a six-month period, with the option to renew after the plan concludes. Interest will continue to accrue, which may increase (or create) a balloon payment due at the end of the loan term.TermsBorrowers are required to pay a fixed percentage of their monthly payment amount. Payment reduction will vary based on past enrollment status.The regular monthly payment amount will resume and be required after the six-month Hardship Accommodation period ends. Borrowers may be able to renew the Hardship Accommodation Plan, if necessary. The terms may vary for renewals.
Eligibility & EnrollmentBorrowers are eligible to enroll in the Hardship Accommodation Plan beginning 60 calendar days before their first payment due date. If your loan amount is less than or equal to $200,000:  First-time enrollment: To enroll in the Hardship Accommodation plan, create an account or log in to the MySBA Loan Portal. Within the portal, click “Loan Summaries” in the toolbar. On the Loan Summary page, look for “Hardship Accommodation Plan” in the bottom right corner. Click “Learn more and enroll.”Renewals: You may renew the Hardship Accommodation Plan one time through the MySBA Loan Portal. If you need renew more than once, please contact COVID-19 EIDL customer service (include Hardship Accommodation Plan in the email subject line), or send a message through the MySBA Loan Portal. You will be contacted by a loan specialist regarding requirements. If your loan amount exceeds $200,000:  First-time enrollment and renewals: Please contact COVID-19 EIDL customer service (include Hardship Accommodation Plan in the email subject line) or send a message through the MySBA Loan Portal. You will be contacted by a loan specialist regarding requirements."
Jim Shenwick, Esq  917 363 3391  [email protected] Please click the link to schedule a telephone call with me.https://calendly.com/james-shenwick/15minWe held individuals & businesses with too much debt!