Student Loan Debt

Student Loan Debt Relief Through Bankruptcy

Student Loan Debt Attorney Serving Western & Central Pennsylvania

If you’re overwhelmed by student loan debt and constant collection efforts, you’re not alone—and you’re not stuck. At The Debt Erasers, we help individuals and families across Western and Central Pennsylvania use Chapter 13 bankruptcy to pause student loan payments, stop aggressive collections, and take back control of their finances.

Whether your bank account was frozen, your tax return was seized, or the collection calls won’t stop, bankruptcy may offer the breathing room you need to reset your financial life.

Serving Johnstown, Clearfield, Punxsutawney, Somerset & Nearby PA Areas

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No Pressure - Just Answers

Can Bankruptcy Help With Student Loans?

It’s true that most student loans aren’t wiped out in bankruptcy—but that doesn’t mean bankruptcy can’t help. Filing for Chapter 13 gives you legal protection from collection activity, and can offer three to five years of relief from required payments. During that time, you can focus on catching up on other debt, rebuilding savings, and regaining your financial stability.

Chapter 13 Bankruptcy can:

  • Stop wage garnishment and bank levies

  • Block the seizure of tax refunds

  • Pause federal and private student loan payments for 3–5 years

  • Give you space to catch up on mortgage, car loans, or credit cards

  • Help you avoid judgments and liens

Even if the loans aren’t forgiven, the breathing room can make a massive difference. You’re able to reset without losing everything you’ve worked for.

What Happens After The Bankruptcy Plan?

Once your repayment plan ends, your eligible debts can be discharged, and student loans—if still owed—resume in better standing. You’ll be in a stronger financial position without the constant pressure. In limited cases, we may even explore whether you qualify for an undue hardship discharge, which can eliminate your loans completely.

If Your Bank Account Or Tax Return Was Taken…

We know how frustrating and scary that can be. Filing for bankruptcy triggers an automatic stay, which immediately halts all collection activity—including:

  • Bank account levies

  • Tax refund seizures

  • Wage garnishments

  • Creditor harassment

 

In some cases, recent levies or seizures can be reversed. If you act quickly, we may be able to help recover what’s been taken.

What About Private Student Loans?

While most protections apply to federal loans, some private student loans can also be addressed in Chapter 13—especially if there’s already a judgment against you. During your free consultation, we’ll take a close look at your loan types, legal status, and all available options.

Why Choose The Debt Erasers?

We’re not a call center or a faceless national firm. We’re a local law office that works directly with people from Johnstown, Clearfield, Punxsutawney, Somerset, and the surrounding areas.

When you work with us, you’ll get:

  • One-on-one guidance from an experienced bankruptcy lawyer

  • A personalized plan tailored to your budget and debt relief goals

  • Respectful, compassionate service with no judgment—ever

Student loan debt doesn’t have to keep you stuck. If you’re facing garnishment, collections, or financial stress from student loans, bankruptcy might be the solution that gives you space to recover.

Call The Debt Erasers today to schedule your free consultation and learn how we can help.
Or fill out our simple online form to get started.

Let’s hit pause on the stress—and get you moving toward a fresh start.

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Help Is Closer Than You Think

Johnstown Office

319 Washington Street, Suite 238
Johnstown, PA 15901
814-536-7470

Clearfield Office

301 E. Pine Street
Clearfield, PA 16830
814-765-2699

Somerset Office

118 South Kimberly Street, Suite 30
Somerset, PA 15501
814-536-7470

Punxsutawney Office

103 North Gilpin Street, Suite 307
Punxsutawney, PA 15767
814-765-2699

Contact Us About Your Case

Ready to take the first step toward a fresh financial start? Contact The Debt Erasers today to schedule your free consultation. We’ll listen to your situation, answer your questions, and help you build a clear, personalized gameplan for debt relief through Chapter 7 or Chapter 13 bankruptcy. There’s no pressure—just honest guidance from a team that truly cares.