Student loan problems?

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Over the past several years, Ciolek LTD has helped hundreds of individuals find real, lasting solutions for their student loan burdens. Every day, our firm is contacted by primary borrowers, co-signers, and parents seeking relief from unmanageable educational debt. Through extensive practice, we have narrowed and focused our student loan work specifically on litigation and bankruptcy solutions most notably filing adversary proceedings in bankruptcy court to seek total or partial debt elimination. Whether you are navigating an ongoing bankruptcy or need to reopen a prior case, our firm provides the focused representation required to challenge student loan balances before a judge.

To deliver the highest level of advocacy, we concentrate our practice strictly on legal disputes and bankruptcy relief. We assist clients exclusively in the following areas:

Student Loan Lawsuit Defense: Defending borrowers and co-signers currently facing an active collection lawsuit.
Adversary Proceeding Representation: Filing independent actions within bankruptcy court to petition for the discharge of federal or private loans under the undue hardship standard.
All Bankruptcy Matters Involving Student Loans: Strategic counsel for managing educational debt within Chapter 7 and Chapter 13 bankruptcies.
Chapter 13 Representation: Structuring reorganization plans to address student loans alongside other debts.
Reopening Closed Bankruptcies: Reopening prior bankruptcy cases to initiate proceedings and determine the dischargeability of lingering student debts.
Co-Signer Defense: Representing co-signers across all covered lawsuit and bankruptcy proceedings.

Please note: Ciolek LTD no longer handles administrative repayment plan selections, loan consolidations, or closed-school discharge applications.

If you are facing a lawsuit, have an active bankruptcy matter, or want to explore an adversary proceeding to wipe away your debt, contact Ciolek LTD today to discuss your legal options.

Student Loan Attorney Services

Over the past several years, Ciolek LTD has helped hundreds of people find solutions for dealing with their student loans. We are contacted daily by borrowers, co-signers, and parents for student loan solutions. Over the years, we’ve developed a focus on filing adversary proceedings in bankruptcy court. If you have an active bankruptcy case and are looking for an attorney to discharge your student loans contact us today.

These are the only areas in which we assist with student loans:

Student Loan Lawsuit Representation (if you are currently being sued)
Adversary Proceeding Representation
All bankruptcy issues involving student loans
Federal loan discharge through bankruptcy
Chapter 13 Representation
Reopen a previous bankruptcy to determine the dischargability of student loans
Bankruptcy Adversary Proceedings to ask the Court to Discharge Student Loans
Co-Signer Representation in any of the above areas

Are you interested in one of the above services? Contact us today.

Please note we no longer handle: Federal or private loan repayment plan issues, consolidation, closed school issues.

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Interested in Discharging Student Loans in Bankruptcy?

Getting Started

The first step is gathering any loan documentation that you have. We’ll need to know information such as: dates of attendance, have you made any payments towards the loans, did you earn your degree, are you currently employed, are you using your degree in your current employment, have you ever consolidated the loans, etc.

Take the First Step

Cost Effective Representation

We handle student loan matters on a straight forward flat fee basis.

Flexible Payment Options

Most matters require an initial down payment and then we’re happy to set up a monthly payment plan for the balance.

Let's Work Together

When you hire Ciolek LTD., you’re not trying to navigate this process alone any more! Let us develop a student loan strategy for you. Contact us today!

Student Loan Lawsuit Representation

We handle student loan matters in Ohio and Michigan. Attorney Ciolek has traveled to Detroit to Saginaw, MI, and Toledo to Cincinnati, OH and many courts in between dealing specifically with student loan cases. We are well versed negotiating with the companies that service private student loan debt and file lawsuits. In most student loan matters, there is no need for an office appointment. We can handle everything by phone and email. Contact us to today.

GET STARTED WITH US

What to Do if Sued by National Collegiate Student Loan Trust

National Collegiate Student Loan Trust is seemingly one of the more aggressive debt collectors going after student debtors. Student debtors and their co-signers often are served with multiple lawsuits at one time. If you ignore the lawsuit(s), a default judgment will likely be entered against you and they may obtain a garnishment to collect the amount owed. If you’re being sued by National Collegiate Student Loan Trust (NCT), please fill out the online form for a lawsuit review and quote for representation. Ciolek LTD. charges a flat fee for these types of cases.