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Andrea, Esq.
Andrea, Esq., Attorney
Category: Legal
Satisfied Customers: 12554
Experience:  25 yrs. experience in family law, estates, real estate, business law, criminal defense, immigration, and employment law.
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Heres my situation Im in the process of filing my own cha

Customer Question

Here's my situation: I'm in the process of filing my own chapter 7 bankruptcy papers, however I hit a snag on just where exactly do I ( or not )put my student loan debt? I know that it's next to impossible to have it discharged and that's fine because I plan on continuing to make my payments, so should I even list the loans? I'm only concerned with getting my overwhelming credit card debt discharged.

Also, what exemption should I use for my AK public employee's pension ( PERS )

Thank you,

Submitted: 7 years ago.
Category: Legal
Expert:  Andrea, Esq. replied 7 years ago.

Thank you for your question.


List the student loans along with the other debts only so that the Trustee in Bankruptcy gets a complete picture. You are right about student loans; It is next to impossible to have them discharged. A person has to be completely disabled and his or her chances for employment have to be zero and then, possibly, the loans will be discharged as a hardship.







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Customer: replied 7 years ago.

That's what I thought, now...where exactly should I list them? In what schedule?