Student Loans Helping You Live a Debt Free Life 

Los Angeles Student Loan Attorneys

Trusted Legal Counsel During Challenging Times

It can be easy to fall behind on your student loan payments, especially if you are a struggling new professional in your chosen industry. Many people know that there are consequences for falling behind on payments, but sometimes the damage that can be caused can have greater impacts than we would like to believe. Sometimes, however, the consequences imposed on people are unlawful, and it may be in your best interest to seek the help of an attorney to fight these violations.

SM Law Group, APC can help. Call our Los Angeles student loan attorneys for innovative solutions at (818) 805-1758, or contact us online.

Legal Repercussions for Falling Behind

These are some of the most common consequences that you could face when you fall behind on student loan payments:

  • Wage Garnishment: The government can step in and garnish your wages, taking money out of each of your paychecks. This can severely impact your livelihood and make the payment of other bills all the more difficult. Unfortunately, the government can do this without ever taking the issue to court.
  • No Tax Refund: Undoubtedly, the best part of doing taxes is getting a tax refund. However, if you fall behind on student loan payments, you may find that your tax refund never reaches you; your tax refund may be intercepted to cover delinquent payments.
  • Collection Fees: In addition to having your wages garnished and your tax refund taken, you may also have collection fees tacked on to your balance.

These repercussions can have lasting effects on your financial security. It is important that you do what you can early on to ensure that you do not face wage garnishments or seized tax refunds, and that you do not end up paying more than you have to for your education. Seeking the assistance of an attorney before you lose control of the situation can save you time, energy, and money.

How We Can Help

If you seek assistance early enough, an attorney can help you explore alternative options, including income-based repayment plans. Working with a professional can ensure that your situation receives the best possible outcome. Our attorneys work to minimize your payments to a manageable rate, and even work to reduce the amount of your loans entirely. Navigating student loan plans, default and bankruptcy options, and wage garnishments and other negative repercussions can be stressful, but having a professional working with you will hopefully give you some peace of mind about your situation.

We can help you fight back against the seizure of your wages and the often-relentless advancement of collections officers. It is difficult to respond to the abuse of collections agencies, and you may wish to seek a lawsuit against such agencies under the Fair Debt Collection Practices Act, which was enacted to protect consumers from unfair practices subscribed to by debt collectors.

Whether you are trying to prevent further financial hardship or fighting against an abusive collection agency, contact our offices today to schedule a consultation. Our Los Angeles student loan attorneys are experienced in protecting and guiding customers in regards to their debt; we can help you with your student loan, and can advise you on the steps you should take both now and in the future with regards to your student debt.

For your free consultation, call our team today at (818) 805-1758. We’re proud to offer client-focused service because your needs are our priority.

Get a Fresh Start & Wipe Away All Your Debt

See Our Winning Case Results
  • Individual v. Credit Card Company (harassing phone calls) $175K settlement
  • Individual v. Credit Card Company (harassing phone calls) $100K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $150K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $250K Settlement
  • Individual Chapter 7 Over $1 Million Debt Discharged
  • Small Business Chapter 7 Over $2 Million Debt Discharged
  • Individual v. Credit Card Company (harassing phone calls) $300K Settlement
  • Individual Chapter 13 $100,000 of Unsecured Debt Discharged
  • Individual v. Credit Card Company (harassing phone calls) $100K Settlement
  • Individual Chapter 13 Over $75k in Mortgage Arrears Reorganized
  • Individual v. Credit Card Company (harassing phone calls) $280K Settlement
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Client Reviews

Hear From The People We've Helped
  • The absolute best when it comes to handling bankruptcy!

    “They do not pass any judgment upon you - they are simply there to help. I found them to be honest, reliable and timely. The support staff is extremely friendly and very informative. The lawyers have ...”

    - Anna G.
  • John and the representative who met me at the courthouse were very thorough and guided me every step of the process.

    “Thank you John Sarai and the rest of SM Law Group for helping me file my Bankruptcy Chapter 7 case. It was a smooth process. John and the representative who met me at the courthouse were very thorough ...”

    - Evitha B.
  • They made a very stressful situation much easier for me.

    “SM law group handled my bankruptcy case and I was very satisfied with their service. They made a very stressful situation much easier for me. They explained everything to me and it was fast and ...”

    - Lenny DcComics
  • I have never experienced more professional care. My phone calls and emails were answered within 5 minutes!

    “Absolutely outstanding experience! Kian Mottahedeh was my attorney. I have never experienced more professional care. My phone calls and emails were answered within 5 minutes every single time. Kian is ...”

    - Lenka Wallace
  • In the end he got me a settlement for the maximum policy limit which was triple what I expected!!!!! Thank you John!

    “I got into an accident and I called John at SM Law Group and I felt comfortable from the minute I talked to him. He was always available to talk, and didn't pass my case off to anyone else. He handled ...”

    - Negin B.
  • He allowed me time and opportunity to get my bankruptcy paid for and took care of the creditors - for that I am truly grateful.

    “I am truly thankful that I found Kian. He is a truly good person to work with. He allowed me time and opportunity to get my bankruptcy paid for and took care of the creditors - for that I am truly ...”

    - Kera Carter
  • Kian is an awesome lawyer. He helped me get through my bankruptcy.

    “Kian is an awesome lawyer. He helped me get through my bankruptcy. He is easy to talk to and patient in answering all the questions you might have. I would definitely recommend him to anyone that ...”

    - Gonzalo Ceja Canela
  • The attorneys were friendly and helpful and they responded to my emails within minutes.

    “My experience with SM Law Group was very positive. The attorneys were friendly and helpful and they responded to my emails within minutes. I would definitely recommend them to anyone who needs a ...”

    - DeEtta Copenhaver
  • Fantastic firm!!!! trustworthy, reliable, knowledgeable and always available to help.

    “Fantastic firm!!!! trustworthy, reliable, knowledgeable and always available to help. My sister and I were given the opportunity to meet this wonderful firm while they volunteered at one of the ...”

    - Teresa Aguilar Alcaraz
  • My experience with SM Law Group has been excellent.

    “My experience with SM Law Group has been excellent. My attorney was always helpful, friendly and honest with me about what I needed to do and how I needed to proceed through my bankruptcy. I just ...”

    - Wayne Roche
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Learn more about the work that is captured in the news. Our team is recognized in our community and among our peers for our tireless devotion to clients facing bankruptcy and personal injury-related matters.

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