When can taxes be discharged in a bankruptcy?

There are a few rules that apply to allow taxes to be discharged.

The post When are Taxes Discharged in Bankruptcy? appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

• Wage garnishment continues
• Banks can levy your account(s) without advance warning

The post Tax Debt? appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

Student loan payment way up?

Make sure you are reporting your income correctly and qualify for the lowest income driven plan payment.

The post You can Still Self-Certify Your Income for Federal Student Loan IDRs: Here’s how. appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

Anyone who has bought in the past couple years is likely under water.  While Florida still has an overall increase in population, property sales and corresponding values have dropped over the past couple years.  This means that short sales may come back — if someone needs to move now, but their property is underwater, it’s best to try for a negotiated short sale where any deficiency is waived.  This has to be specifically negotiated; it doesn’t happen automatically.  No one wants to be sued for the balance owed years later after you’ve given up the home.  You also don’t want that reporting negatively on your credit.

We work with local realtors to try to get that deficiency waived, buy time to complete the sale etc.  Reach out if you are facing this kind of situation and see what options may exist for you.

The post Short sales in Florida likely going to increase appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

Step 1) Log in to studentaid.gov

Step 2) Open another browser tab and go to https://studentaid.gov/app/api/nslds/payment-counter/summary

The post Wondering How Many Years You Have Left of Student Loan Payments on Your IDR? appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

• K022 — Your Request Is In Process
• H195 — IDR Request Approval

The post Mohela Codes on Letters – What do they Mean for Your Student Loan Repayment Status appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

February 10, 2026

Zoom link

Attestation Process is Game Changer for Discharging Federal Student Loans

Christi Arkovich, Arkovich Law

Bob Branson, Branson Law

Tammy Branson, Branson Law

This CLE program explores the Department of Justice and Department of Education’s 2022 guidance that loosened the three-prong test for discharging student loans in bankruptcy through the new attestation process. Attendees will learn about how to analyze loan types and borrower eligibility, how to navigate the detailed attestation form, and borrowers who have successfully used the process. The program also covers how to file and handle these uniquely streamlined adversary proceedings—often resolved without litigation—key differences between bankruptcy schedule calculations and the attestation form, drafting consent final judgments, and practical considerations on fees, billing, and getting paid.

Consumer Lunches are no charge and via zoom.

The post Tampa Florida TBBBA Feb 10 Luncheon – Arkovich Law Speaking About Using Bankruptcy Attestation to Discharge Student Loans appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

Because of the short notice, the homeowner frequently starts making payments on this zombie debt, fearing foreclosure – even under circumstances where the homeowner hasn’t received mortgage statements and has received a 1099-C indicating the debt was cancelled years ago.

Don’t agree to this type of forced modification.  If you hire an attorney, the debt likely can be reduced substantially or even eliminated entirely.  But if you start paying them, it is very hard to assert the legal violations that rendered the debt uncollectible.

The post What to do if a Zombie Mortgage Pops Up appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

The Grad PLUS program is also being eliminated, and Parent PLUS loans are getting capped at $20,000 per year.

Anyone with a Parent Plus loan now — must have consolidation completed before July 2026 in order to obtain an income driven plan.

The post New Student Loan Rules: Make Plans Now appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

The administration’s goal is to eliminate the choices and complexity of the present federal student loan repayment system.  The old IBR, new IBR, ICR, PAYE and SAVE plans are all being terminated.  Those legacy plans will exist for three more years until July 1, 2028.  Thereafter, only those borrowers enrolled in non-RAP IDRs can remain in those plans.  It appears that forgiveness will only occur for those enrolled in IBR or RAP.  For instance, someone could remain in PAYE or ICR, but would need to switch to IBR or RAP for forgiveness.

What is RAP?  RAP is an income driven plan going into effect next summer based upon a borrower’s adjusted gross income (“AGI”).  It will offer a tiered payment plan:

The post What is RAP – and What Does it Mean for Your Federal Student Loans appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.