Legal Question in Credit and Debt Law in California

Re: student loan and judgment

You should investigate a range of potential options, including analysis of whether the student loans can be discharged for "hardship," what the nature of the non-dischargeable judgment is, and is it really non-dischargeable. Further, a Chapter 13 might allow you to repay these non-dischargeable debts in a court-structure repayment plan. Alternatively, if you are judgment proof perhaps you need do nothing. One last note on this - if you have a lot of other dischargeable debt, you may be better of still filing, even though these two debts will not be discharged, and obtaining a discharge of all other debts, then negotiating a settlement of the two non-dischargeable debts.

I would suggest that you meet with a qualified, experienced bankruptcy attorney in your area, and review all possible options, not just chapter 7. Good luck - that's a tough situation, however, there are other potential solutions.

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