Perry O'Brian - Bangor Bankruptcy Attorneys
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Bankruptcy Attorney in Bangor, Maine

Most Student Loans Are Non-Dischargeable in Bankruptcy

If you have substantial student loans and face extreme financial hardship, you may be able to discharge some or all of your student loans in a Chapter 7 bankruptcy proceeding. The process is difficult and these loans are rarely discharged, but you may be able to get the relief you need. You want an experienced bankruptcy lawyer to analyze your situation and help you understand the options available to you.

At the law office of Perry O’Brian, we have focused our practice exclusively on personal and business bankruptcy since our inception more than 26 years ago. We have a comprehensive knowledge and understanding of the laws and procedures governing bankruptcy filings. We strive to make the process as simple as possible for you, keeping you fully informed of any developments in your case, as well as your rights and options, so that you can make choices that are in your best interest. We place a premium on responsiveness and efficiency, returning your calls and e-mails promptly, and working to complete the bankruptcy process with minimal expenditure of time or money.

Helping You Determine Whether You Can Discharge Student Loan Obligations

Student loan payments, whether through public or private organizations, are extremely difficult to discharge in bankruptcy. You must demonstrate that you don’t have the ability to make any payments, and that your financial situation is expected to last for a long time. The most frequent cause for such a hardship is long-term disability. The mere lack of a job will likely not be enough.

We will work closely with you to get a thorough understanding of your financial circumstances, including how long they are likely to stay the same and what prospects you have for improvement. We have been successful getting student loan payments discharged, so we understand what we need to show the bankruptcy court to help you get the relief you need.

Even if we are unable to get your student loan payments discharged, we can often eliminate other debt, allowing you to have the resources to pay your student loans.

Contact Attorney O’Brian

We provide a free initial consultation to every client. To schedule an appointment with an experienced Maine bankruptcy lawyer, contact us online or call our office at 207-942-4697 (toll free at 877-900-9857). We will arrange an installment payment plan, if necessary, to help you afford the costs of legal representation. Our offices are conveniently located in Bangor.


Perry O’Brian is a Member Of: The National Association of Consumer Bankruptcy Attorneys

The Law Office of Perry O’Brian is a federally designated Debt Relief Agency under the United States Bankruptcy Laws. We proudly assist people with finding solutions to their debt problems, including, where appropriate, assisting them with the filing of petitions for relief under the Bankruptcy Code.