Carla M. Handy

  • Student Loan Repayment Plans

    Student Loan Repayment Plans Posted on Jul 08, 2015 By Carla M. Handy July 8, 2015 by Carla M. Handy I have been writing a series of blogs addressing issues with student loan debt. As previously mentioned, student loan debt has surpassed credit card debt in this country and is second only to mortgage debt. It is a problem that is not going away anytime soon.

    Carla M. Handy/ Bond and Botes- 35 readers -
  • Student Loan Delinquency vs Default – The Difference

    As it happens there is a significant difference in being delinquent in repaying a student loan and being in default in the repayment of a student loan. There is a further difference between delinquency and default for federally issued or guaranteed student loans and private student loans originating from commercial lenders, as well as for the methods of collection available bet ...

    Carla M. Handy/ Bond and Botes- 36 readers -
  • Will Student Loans Ever be Dischargeable in Bankruptcy?

    As many people considering bankruptcy relief are aware, student loan debt is generally non-dischargeable in bankruptcy (student loans can become dischargeable if an “undue hardship” can be proven). This is true for both federally guaranteed student loan and student loans issued by private lenders. The rules for the dischargeability of student loan have tightened over the years ...

    Carla M. Handy/ Bond and Botes- 47 readers -
  • Tips on Improving Your Relationship with Your Attorney

    In bankruptcy court yesterday, I witnessed a judge give a debtor in a Chapter 13 case the opportunity in open court to state why she was upset with her attorney. It was a cringe worthy moment and a reminder to me of how easily an attorney/client relationship can go south if not carefully attended to by both sides.

    Carla M. Handy/ Bond and Botes- 30 readers -