@Anonymous wrote:
That's a good question. Can't your attorney just file the additional paperwork to have your student loans discharged as well? It has to be an undue hardship. There is a book on filing Ch 7 I read in a library. It listed 3 reasons that your student loans could be discharged. 1 was you had to make an effort to pay them. 2 was paying them back would cause undue hardship. 3 whatever your circumstances are may continue for some time over the course of repayment.
Outside of that, my UNPROFESSIONAL opinion is that the tradeine may pick up where it left off before CH 7. My student loans are not with collections but when I filed Ch 7 Pro Se they zeroed out for a few days on my credit report. (I monitor it through credit karma) Then they popped back up with the Chapter 7 status and the balances intact, tradeline the same as well.
Keep us updated, I'm curious to know what happens & someone else may be in your position wondering the same thing too! Good luck!
I think it is interesting that yours were reported as having 0 balances for just a few days. Mine were zeroed out and show on my credit report as being closed. Not sure if the fact that I'm a two time student loan default loser has an impact on the way things are reported - or handled - or not. She hasn't been able to do much to give me insights into this situation other than to tell me that there is almost zero chance of discharging student loans in bankruptcy. (I think the good faith repayment requirement is somehting like 5 years or so, a threshhold I haven't met.
I'd love to discharge them... but meeting their definition is nearly impossible (unless they've just done an epic job of selling the impossibility of discharge as a means of discouraging people from even trying. If that's the case, that's quite a sales job they've pulled off!
