If a private lender (like Navient or SoFi) or a debt buyer (like National Collegiate Student Loan Trust) sues you in a Utah District Court, you must act fast.

• Stop Default Judgments: We file your formal Answer within the 21-day Utah deadline.

• Challenge the Debt: We force the lender to prove they actually own your loan—often, they cannot produce the original contract.

Has the Department of Education or a private lender started taking your wages?

• Federal Loans: We challenge administrative garnishments that exceed 15% of your disposable income.

• Private Loans: We defend you against court-ordered garnishments, which are generally capped at 25% in Utah.

• Hardship Hearings: We request formal hearings to reduce or stop withholding based on your essential living expenses.

It is a myth that student loans can’t be discharged in bankruptcy.

• The “Hardship” Path: We represent you in “Adversary Proceedings” to prove that repaying your loans causes undue hardship.

• Proven Success: We utilize the 2026 DOJ and Department of Education guidelines, which have significantly increased the success rate for student loan discharges in bankruptcy.

If your loan servicer is lying to you, failing to apply payments correctly, or harassing you at work, they are violating the law.

• FDCPA Defense: We sue debt collectors who use abusive tactics.

• Servicer Errors: We fix credit reporting inaccuracies and resolve identity theft issues related to your loans.