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Delinquency & Default Lawyers in Seattle

Student Loan Recovery from Delinquency & Default

If you are behind on your student loan payments, you are either delinquent or in default. Delinquency begins the day after you miss a scheduled payment. It’s fairly common: plenty of people are late on a payment from time to time, due to disorganization or a temporary shortage of funds or even a mix up in the mail. When you catch up on any and all payments that you’ve missed, you’re no longer delinquent.

Default is more serious. If you go 9 months without making a single payment, you are in default, and the government or your private lender can take various actions against you to recover the amount you owe, such as wage garnishment, without any notice or service of a lawsuit.

If you are delinquent or in default on a student loan, your options depend on what type of loan you have. No matter what, our Seattle delinquency and default attorneys are here to help you confront the process head-on.

Contact us online or give us a call at (206) 483-0505 to learn more.

What Options Are Available for Student Loan Rehabilitation?

If you have a federal loan, the government provides a variety of programs to help you rehabilitate or consolidate your loan. Furthermore, the government is required by law to notify you about your options. When you rehabilitate a student loan that is in default, most of the expensive collection fees and default interest will be lifted, and you will once again be eligible for pre-default repayment options, deferment, and income contingency repayment plans.

* Note that as of August 2008, you are entitled to get out of default through rehabilitation only once per loan. There are also limits on how many times you can consolidate.

If you have a private loan, many of the protections described above do not apply.

The Henry & DeGraaff Difference

  • Experienced, Creative & Sophisticated

    With years of experience between our attorneys, our goal is to deliver a higher level of service, only taking cases where we can add value.

  • Personalized Attention

    We understand that no two cases are ever the same. We provide tailored solutions for every client and strategize in order to provide optimal results.

  • Comprehensive Service

    As a law firm that focuses on creative and collaborative solutions, we always seek opportunities that go even beyond the law to help provide the results you deserve.

  • Groundbreaking Results

    Our ability to tackle complex issues has allowed us to win appellate decisions and push the law in our clients' favor. We pursue compensation arrangements that reward success.

Defaulting on a private loan should not be taken lightly. In fact, we urge you to act swiftly in these matters to ensure you stand the best possible chance of recovery. Contacting our team at Henry & DeGraaff is a good place to start.

  • We pride ourselves on being problem solvers, and we are eager to take on the tough cases that other firms shy away from. If yours is one of them, do not hesitate to call us for help.
  • Unlike many other bankruptcy law firms in the area, we are not afraid to litigate a case. If your situation requires litigation, you want us on your side.
  • We are proud members of the National Association of Consumer Advocates, the National Association of Consumer Bankruptcy attorneys, the King County Bar Association, the Washington County Bar Association, and the 9th Circuit Court of Appeals.
  • We have helped past clients shave millions of dollars off of their loan debt – we may be able to do the same for you.

We would be happy to review the terms of your loan, assess the circumstances that led to your default, and determine how to best move forward in protecting your rights and best interests.

Contact us for help negotiating with your lender. We can be reached via our online message form or by dialing (206) 483-0505.

Hear From People Like You

Client Testimonials
  • It is my belief that we came out way ahead of the game but we owe the success to Jacob.

    “Jacob very clearly explained the course of action we should take and held our hand through the very scary process of the bankruptcy nightmare.”

    - Kim & Mike
  • 5 stars are not enough.

    “She knows the ins and outs of all types of bankruptcy, listens to your personal situation, and lays out the options for you.”

    - Joe
  • Jacob successfully took over our Chapter 11 bankruptcy case.

    “His professional attitude and calm and efficient demeanor guided us through what could have been a much more agonizing process. He and his staff worked out a settlement which was actually better than my most optimistic expectation.”

    - Jerry
  • Jacob was always focused on our needs and desires concerning our real estate.

    “He is not an income-driven attorney, but an attorney that gives great value and caring as his greatest assets. He works hard to get his clients the best result possible!”

    - Previous Client
  • If you need their services don't hesitate to give them a call.

    “They offer a no-nonsense/no-hustle approach to financial counseling and bankruptcy. I witnessed a dear friend go through the process, and Henry & DeGraaff was great to them.”

    - Reese H.

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