Philadelphia Student Loan Debt Attorney

Legal Help for Student Loan Forgiveness, Default, Wage Garnishment, and Collection Defense

If you're struggling with student loan debt in Philadelphia, you're not alone, and you do have options. At the Law Office of Michael P. Forbes, PC, we provide experienced legal representation for borrowers facing default, wage garnishment, collections, or issues with federal and private loans. With over 25 years of consumer debt experience, attorney Michael Forbes fights to protect your rights and help you take back control of your finances.

Facing Student Loan Issues in Pennsylvania? We Can Help.

We offer trusted legal guidance for a range of student loan problems, including:

Student Loan Default and Collections Defense

Falling behind on your student loan payments can lead to aggressive collection attempts. We help borrowers defend against collection lawsuits and negotiate with lenders to find affordable solutions.

Student Loan Wage Garnishment in Pennsylvania

If your wages are being garnished due to a federal student loan default, you may be able to challenge the garnishment or request a hearing to reduce the amount. We act fast to protect your income.

Federal Student Loan Rehabilitation and Consolidation

We’ll help you explore options to get your loans back in good standing, such as loan rehabilitation or consolidation, while stopping collections and rebuilding your credit.

Private Student Loan Lawsuit Defense

Private lenders often sue borrowers in default. We can defend you in court, challenge improper documentation, and work to settle your private student loan debt for less.

 Income-Driven Repayment and Loan Forgiveness Programs

We help you apply for programs like Income-Based Repayment (IBR), Pay As You Earn (PAYE), or Public Service Loan Forgiveness (PSLF) if you qualify, potentially reducing your monthly payments or even eliminating remaining debt over time.

Discharging Student Loans in Bankruptcy

While student loans are difficult to discharge in bankruptcy, it’s not impossible. We’ll review your situation and determine if an undue hardship claim is a realistic option.

Contact a Philadelphia Student Loan Lawyer Today

Don't let student loan debt control your life. Whether you're facing default, garnishment, or harassment from collectors, we can help you understand your rights and fight back.

Call or Schedule a confidential consultation with the Law Office of Michael P. Forbes, PC today.