Progreso, TX Bankruptcy Law Firms & Lawyers

A chargeoff is merely a bookkeeping entry.  It has nothing to do with whether or not you still owe a debt, or whether the creditor can take collections actions on it. Student loans are generally not dischargeable in bankruptcy.   You can seek an "undue hardship" discharge of the student loans by filing a complaint in your bankruptcy case, but the criteria you need to prove for this is very difficult. There are also non-bankruptcy alternatives, such as doing income-based repayment plans, but you have to get your loans out of default first in order to take advantage of such programs. I suggest having a consultation with a bankruptcy attorney in your area who is experienced with student loan litigation, to evaluate your options more fully. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.  

Although your bankruptcy left you in the position where all the lender can do to you is foreclose, homeownership comes with additional responsibilities after a bankruptcy ends, and those ongoing responsibilities cannot be avoided by your bankruptcy. For example, property taxes, HOA dues, community maintenance requirements, property liability.

Criminal restitution is nondischargeable. However, your judgement in civil court is not criminal restitution. It is ordered by the criminal courts. You may still have a nondischargeability claim against her under another argument, such a willful destruction of personal property or conversion. There are deadlines to being these claims.