Red Oak, TX Bankruptcy Law Firms & Lawyers

Mainly on income. From there, the court counts family size, and looks to creditors and amounts owed. Under $35000 for one give or take a few dollars, and goes up from there.  Also, depends if business failed, or just consumer debt.  That's why there are lawyers, to help you decide which way to go. First consultation usually free with most bankruptcy practitioners.

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.  

You will have to have the attorney file a motion to withdraw, or you will have to file a motion to change attorneys. If you file it yourself, you will have to follow the rules of the bankruptcy court.