Student Loan Debt Relief
Do you have student loan debt and are not sure what to do next? Let our professionals here at Galler Law Firm, in the Atlanta, GA area, help walk you through these issues. Our friendly and proficient staff members are only a phone call away and would be happy to help you through these issues.
GET A FREE CONSULTATION.
STUDENT LOAN DEBT
Here at Galler Law Firm, we can help you if you are in default on a student loan. We can help get you out of your default and in some cases reduce the number of years you have to pay. Maybe you just have questions before you take the necessary steps to get this resolved. Let our student loan lawyers here in the Atlanta area at Galler Law Firm help shed some light!
If you have Federal Student Loans please go to https://studentloans.gov/ and create a FSA ID.
Don’t Let Student Loan Debt Dominate Your Life
In today’s economic landscape, you may have had to take out a mixture of federal and private student loans to pay for your education. Now the bills are due. The professionals at Galler Law, LLC can protect your borrower’s rights while you repay your debts.
Private student loans are given by private lending institutions and are awarded based on your credit. Federal student loans are distributed by the government. No matter where your loan came from, you don’t have to let creditors push you around. Our Atlanta, GA student loan lawyer can help you understand your student loan situation and develop a plan to repay them in a timely manner. Get in touch with our office today to get started.
Understanding Your Student Loans
Stafford loans are available subsidized and unsubsidized. With subsidized Stafford loans, the government will pay the interest during deferment. If the loan is unsubsidized, interest will continue to pile up during deferment periods.
PLUS loans are the only federal loans that require good credit. These loans are taken out by parents for their children in undergraduate programs or graduate students.
The funds for Perkins loans come directly from schools. Schools can hire debt collectors to collect late Perkins loan repayments or transfer the collection responsibilities to the Department of Education.
Wondering if you should make an appointment for a complete Student Loan Analysis? Ask yourself the following questions:
- Are you receiving calls from debt collectors?
- Being threatened with wage garnishment, social security offset, or tax refund offset?
- Being sued for a student loan?
- In default but not sure how to get out?
- Unable to afford your current minimum payment?
- Wondering if you qualify for a discharge?
- Thinking about bankruptcy?
If you answered YES to any of the above, please read the rest of this site to learn more about us and the services we provide. Then, schedule a free 15-minute Student Loan Analysis via phone or Skype.
Our goal is to demystify student loans – what can and cannot happen, what options you have, and how to deal with your loans to put you in control.
Frequently Asked Questions
Galler Law understands that you may have questions about your student loans and the debt relief process. Here are some answers to common questions we recieve. For more specific guidance, feel free to call, text, or email Galler Law about your specific loan status.
How do Student Loan Settlements work/What is a Private student Loan?
To start you have to understand there are Federal and Private student loans and each is handled totally differently. Federal student loans come mostly from the Department of Education. Private loans come from banks like Wells Fargo or other private lenders. Federal Student loans normally cannot be “settled” but we can help, reduce your month payment, remove loan from default status, remove negative credit information from credit report, stop wages garnishments or seizure of income tax returns. Private student loans can be settled in many cases for 30 to 40% of the balance owed.
What are the benefits of Hiring Galler Law to handle your Student Loan Debt?
Galler Law has been helping folks in north Georgia for over 30 years. We handle the widest range of debt problems, from Bankruptcy, Chapter 7 and Chapter 13, Loan Modifications, to foreclosure defense, tax resolution, debt settlement, and Federal and Private student loans. David Galler is a graduate of the prestigious Student Loan Law Workshop and one of only ten attorneys in Georgia specially trained by national student loan expert Josh Cohen.
How do you find a reputable Student Loan Attorney?
To find the best student loan attorney, look for experience (years in practice), client reviews, and ratings on attorney websites.
David Galler has been in practice 30 years, he has five star ratings throughout the internet. Avvo.com the nationals largest legal rating website, rates attorneys on a 1 to 10 scale with 9-10 considered superb. Mr. Galler has a perfect 10 rating on Avvo. Mr. Galler has also received Martindale Hubbell’s distinguished attorney award for the last ten years.
What is the Process?
The process starts with a phone consult to determine the best course of action. After that we schedule an appointment with Mr. Galler. All services are flat fee, or for settlements, our fee is based on a percentage of savings from the settlement.