Student Loan Debt Help and Survival Guide for Student Loan Borrowers


  • Are you struggling to keep up with your student loan payments?
  • Are your student loans payments delinquent or in default?
  • Are your wages being garnished by your student loan servicer?
  • Is your tax return being taken to pay your student loan debts?
  • Are debt collectors harassing you in attempt to collect student loan debts?
  • Would it help you to reduce student loan payments or even forgive your student loan debt altogether?


If you answered yes to any of these questions, then you should contact my student loan debt help office immediately to find out how we can help you solve your student loan debt problems.


"As a Columbus, Ohio bankruptcy attorney it has always bothered me to see how many graduates would come through my law office for a bankruptcy consultation only for me to tell them that their student loan debts could not be discharged in a bankruptcy. Helping people who are struggling with debt is my business and my life, therefore I made it my mission to bring student loan debt solutions to my practice. The fact is that while most bankruptcy lawyers cannot directly help to reduce your student loan payment or to even help you to gain student loan debt forgiveness, my Columbus, Ohio student loan debt help office can help."


Nationwide, student loan debt is over 1.3 trillion dollars and growing by the minute. Student loan debt has now exceeded credit card debt in this country and is a major problem facing graduates in Columbus, Ohio.


Student Loan Forbearance and Deferment

If you are reading this, then you may already have experienced attempting to work directly with your lender(s). Remember, the student loan servicers are in business to make money from your student loan debts.  The lender knows that you are in survival mode, and typically will offer a forbearance or deferment as breathing room. A student loan forbearance or deferment temporarily suspends your payments.  The reason it is good business for the student loan servicer to be so generous is because they make interest on the principal while your payments are suspended, thus your student loan debts continue to accumulate.  When the forbearance or deferment expires, you are right back where you started, except your student loan debts are even higher.


Student Loan Default Collections

If you are in default, the student loan servicers can take money from you without even filing a lawsuit.  It is known as an administrative wage garnishment.  The student loan servicer can even take your income tax refund to offset your student loan debt.


My student loan debt relief solutions service has a process to get you out of student loan default in order to help you to qualify for many of the available programs to resolve your student loan debt problems.


In addition to other debt relief solutions, my student loan debt help office can help you to seek a number of federal programs that can assist you in survival, some of these programs include IBR, IDR, ICR, Hardship Discharges, Public Service Forgiveness, Administrative Discharge, School Closing Discharge, Fraudulent Application, Public Student Loan Forgiveness programs for teachers, government workers, and also employees of 501 C 3 not for profit corporations among others. As a part of the student loan debt relief service provided, you will be made aware of what programs that you may qualify for and what programs that my process may help you to qualify for.


The Needleman Law Office Process:

  1. Call my office at 614-575-1188 to schedule a no obligation consultation.
  2. Bring your FAFSA pin number so we can access your federal student loan website.  Your pin number is your electronic signature.   Then, we access your loan information and have you sign the authorizations required for me to negotiate on your behalf.
  3. Once I receive all of your federal student loan information, I will analyze your finances and create a plan of action. I will then give you a written opinion of your available choices.
  4. Stop harassing phone calls, avoid wage and tax refund seizures,
  5. Defend student loan debt lawsuits for borrowers, co borrowers, parent plus loans and more.
  6. Help you qualify for student loan forgiveness or a lower monthly payment.
  7. Help you get you out of default and on an affordable repayment plan.







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Bankruptcy Attorney Reviews From Our Clients


Posted By: Danny                  Worth his weight in gold

The best Attorney i had and does'nt play games and straight forward. If it can be done he will get the job done. He did damage control on another well known inexperienced law firm in columbus (clowns) messed up. Scott you're the best!


Posted By: Stephen                  Very Pleased

Scott Needleman is a wealth of knowledge, his service was accurate and timely. The service provided exceed the price. Thank you.


Posted By: Candice                  Great Lawyer

He made me feel comfortable from the beginning. I'm so glad a friend suggested him to me. He made the process as easy as possible and I can't thank him enough for his help!


Posted By: William                   No non-sense

I hires Scott to do a chapter 13. He was/is current with revised laws, knowledgeable, tough and looks out for his customers. And he was a boxer. YIKES!


Posted By: Winfield                Chapter 7 Bankruptcy Case

Scott did a good job when I had to file for bankruptcy. He helped me eliminate my credit card debt and it only took 4 months. It didn't take the entire 6 months that I was expecting.


Bankruptcy Attorney Scott Needleman
Rated 5/5 based on 9 reviews
Providing student loan debt relief in Columbus, Central Ohio, and nationwide. Erase student loan debt

East Main St. Bankruptcy Law Office:

5300 E. Main, Suite 109

Columbus, OH 43213

614-575-1188 - Phone

614-575-1186 - Fax


As an added convenience you may request to meet at our Downtown Columbus Bankruptcy Law Office:

175 S. Third Street  Suite 200

Columbus, OH 43215

614-575-1188 - Phone

The Needleman Law Office is a debt relief agency in Columbus, OH aiming to help people file for protection under the U.S. Bankruptcy Code. As a bankruptcy attorney in Columbus, Ohio, our practice is limited to bankruptcy law, foreclosure defense, consumer protection laws and debt collection law. Needleman Law Office will provide a foreclosure or bankruptcy lawyer, or debt collections attorney, for your protection from creditors and debt collectors, serving clients in the following Ohio cities and their surrounding areas: Columbus, Bexley, Pickerington, Blacklick, Gahanna, Reynoldsburg, Westerville, and throughout Franklin, Licking, Fairfield, and Delaware Counties.

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