Student Loan Default? You Have Options.

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Weston Legal, PLLC

4.9

Based on 1,195 reviews

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Huy Tran

2 days ago

I hired this firm to defend my case with Jefferson Capital. Zero communication. I was told that it will be handle out of court, and it's possible to negotiate to reduce the amount. I got one email from them while tried to reach out to them endlessly phone calls, without any return call. One email stated that there's a hearing of my case on 9/30/26. I got the judgement for the plaintiff on 10/1/26, while receiving an email from weston legal 2 days later asking for me to send them court documents????. They were completely unaware of my case ... Do not spend your money with this firm...

Edward Zuniga

3 days ago

Weston legal is a great firm I would highly recommend anyone here. They were always great with communication and updates for my court cases and hearings. Shoutout as well to Courtney Taylor who was my attorney in this matter.

Luis C. Taborda Garcia

5 days ago

One of the best legal experiences I have witnessed. Attorney Courtney Taylor is extremely experienced, knowledgeable and very attentive. Am recommending her and the law firm to every friend I have that has any legal needs. Very responsible and affordable firm.

Roberto Ruiz

6 days ago

Did a great job on representing me.

Luis Marin

6 days ago

I’m very please with their services. No wonder why they have 4.9 starts. Excellent service. Courtney Taylor was able to negotiate my case and reached a settlement with a “Take Nothing Judgement”. Will definitely suggest them and use them again in the future.

Alexander Alvarez

2 weeks ago

Javier Leon

2 weeks ago

The best 👌

P T

2 weeks ago

I was repsented by them they did a great job with my case got a good settlement i would definitely recommend them Jennifer cannon was very helpful with everything i appreciated her call me and just checking in

Toll Free: 800-220-4318

1. Federal or Private

The first step is to determine if you have Federal or Private Student Loans in Default. The remedies and solutions are different depending on the type of loans that you have. We can work with you to help determine what type of loans you have. If you are being SUED by National Collegiate Trust for a private student loan, click here.

2. Default Options

Depending on your loans, there may be a variety of options to get out of default. If you have Federal Loans then rehabilitation or consolidating your loans is generally the best option. If you have private loans, then working a settlement with your lender is often a possibility. We can work with you on the best option for getting out of default.

3. Get out of Default

Getting out of default may take some time. The rehabilitation process can take 9 to 10 months. However, once you are out of default, you are in a much better position and you can qualify for many of the Federal repayment options, such as “Income Based Repayment”. Contact us now so we can determine what the best option is to get you out of default on your student loans.

Student Loan Default Help

For Federal Student Loan Defaults, the common remedy is either consolidation or rehabilitation. However, you can only use one of these remedies once so it is important to get it right the first time.

Rehabilitation

Rehabilitation involves making 9 of 10 regular monthly payments to the collection agency who is servicing your loan. Often these agencies are difficult to deal with on your own.

If your wages are currently being garnished for your Federal Student Loans then a rehabilitation will be difficult. This is because you are usually required to make your rehabilitation payments in addition to what is being garnished.

Consolidation

Consolidation of your Student Loans has its pros and cons. The pros are having one lump sum payment to only one entity. Additionally, consolidation can be a great ticket out of default and on your way to an Income Based Repayment Plan.

Consolidation can also possibly stop a wage garnishment and can be an effective means to get your loans out of default.

Student Loan Wage Garnishment

Federal Student Loan Defaults often result in a garnishment of your wages. If you have not been garnished yet, the time to act is now because once it starts it’s difficult to stop.

A garnishment can usually be stopped with a Student Loan Consolidation. A Rehabilitation is not as simple because you are often required to make rehabilitation payments in addition to the amount that is being garnished. Many consumers are unable to make wage garnishment payments and rehabilitation payments. Thus, consolidation becomes the primary option.

Why Hire Weston Legal

Fees

We only charge Flat Fees for Defending Collection Lawsuits. No Hourly Rate. No suprises. We can work with you on affordable monthly payments for lawsuit representation.

Results

Many of our collection lawsuits were dismissed so our client paid nothing to the creditor. Other cases were settled for a significant discount.

Service

Client Service is our number one priority.

Testimonials

Instead of taking our word for it, see what former clients have to say.

Mike Weston, Esq.

Mike Weston is a seasoned debt lawsuit defense attorney and founder of Weston Legal. Since 2005, Mike has devoted his career to compassionately helping consumers struggling with issues involving their personal and business debts. Mike is grateful to have been able to help tens of thousands of clients become empowered with knowledge on the path to financial stability.