{"id":11071,"date":"2023-03-03T07:00:28","date_gmt":"2023-03-03T13:00:28","guid":{"rendered":"https:\/\/slls.org\/?p=11071"},"modified":"2023-09-05T22:19:26","modified_gmt":"2023-09-06T03:19:26","slug":"new-federal-student-loan-bankruptcy","status":"publish","type":"post","link":"https:\/\/slls.org\/es\/new-federal-student-loan-bankruptcy\/","title":{"rendered":"Nueva ayuda en caso de quiebra para algunos pr\u00e9stamos federales para estudiantes"},"content":{"rendered":"<div id=\"pl-11071\"  class=\"panel-layout\" >\n<div id=\"pg-11071-0\"  class=\"panel-grid panel-no-style\" >\n<div id=\"pgc-11071-0-0\"  class=\"panel-grid-cell\"  data-weight=\"1\" >\n<div id=\"panel-11071-0-0-0\" class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"0\" data-style=\"{&quot;background_image_attachment&quot;:false,&quot;background_display&quot;:&quot;tile&quot;,&quot;background_image_size&quot;:&quot;full&quot;,&quot;border_thickness&quot;:&quot;1px&quot;,&quot;so_cpt_readonly&quot;:&quot;&quot;,&quot;animation_event&quot;:&quot;enter&quot;,&quot;animation_screen_offset&quot;:&quot;0&quot;,&quot;animation_duration&quot;:&quot;1&quot;,&quot;animation_repeat&quot;:&quot;&quot;,&quot;animation_hide&quot;:true,&quot;animation_disable_mobile&quot;:&quot;&quot;,&quot;animation_state_end&quot;:&quot;visible&quot;,&quot;animation_delay&quot;:&quot;0&quot;,&quot;animation_debounce&quot;:&quot;0.1&quot;}\" >\n<div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t><\/p>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n<h6><em>La informaci\u00f3n proporcionada en esta publicaci\u00f3n no representa ni pretende representar asesoramiento legal. Toda la informaci\u00f3n disponible en este sitio es s\u00f3lo para fines informativos generales. <\/em>Si necesita ayuda legal, debe comunicarse con un abogado. Puede ser elegible para nuestros servicios legales gratuitos y puede presentar su solicitud llamando a nuestra l\u00ednea directa legal de Covid al <strong><a href=\"https:\/\/slls.org\/es\/covid-19\/\">1-844-244-7871<\/a><\/strong> o aplicar en l\u00ednea<strong> <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/lastate.kempscaseworks.com\/\">aqu\u00ed<\/a>.<\/span><\/strong><\/h6>\n<p>Las nuevas reglas pueden ayudar a las personas a cancelar pr\u00e9stamos federales para estudiantes en caso de quiebra. La ley llama a esto obtener una \u201cliquidaci\u00f3n\u201d de una deuda. El Departamento de Justicia y el Departamento de Educaci\u00f3n de EE. UU. ayudar\u00e1n con las nuevas reglas. Esto se aplica a los casos de quiebra presentados despu\u00e9s del 17 de noviembre de 2022. La quiebra es complicada. Consiga un abogado para que le ayude si puede. Puede calificar para recibir ayuda legal gratuita de <a href=\"https:\/\/slls.org\/es\/get-help\/\"><span style=\"text-decoration: underline; color: #138a43;\">Servicios Legales del Sudeste de Luisiana<\/span>.<\/a><\/p>\n<h2>\u00bfCu\u00e1l es la ley sobre el uso de la quiebra para cancelar pr\u00e9stamos federales para estudiantes?<\/h2>\n<p>La ley dificulta la condonaci\u00f3n de pr\u00e9stamos federales para estudiantes en los tribunales de quiebras. Una persona debe demostrar que el pago de los pr\u00e9stamos genera \u201cdificultades indebidas\u201d. Es dif\u00edcil demostrar \u201cdificultades excesivas\u201d.<\/p>\n<h3>Esto es lo que se necesita para demostrar \u201cdificultades excesivas\u201d en un caso de quiebra:<\/h3>\n<ul>\n<li>No puede pagar sus pr\u00e9stamos federales para estudiantes y tener un nivel de vida b\u00e1sico.<\/li>\n<li>Sus dificultades financieras durar\u00e1n la mayor parte del per\u00edodo de pago del pr\u00e9stamo.<\/li>\n<li>Hizo esfuerzos de buena fe para pagar el pr\u00e9stamo antes de declararse en quiebra.<\/li>\n<\/ul>\n<h2>\u00bfC\u00f3mo facilitar\u00e1n las nuevas reglas la condonaci\u00f3n de pr\u00e9stamos federales para estudiantes?<\/h2>\n<p>El Departamento de Justicia ayudar\u00e1 a los tribunales de quiebras de los Estados Unidos a encontrar casos en los que se deban cancelar los pr\u00e9stamos federales para estudiantes.<\/p>\n<h2>\u00bfC\u00f3mo utilizo la quiebra para cancelar pr\u00e9stamos federales para estudiantes?<\/h2>\n<p>Existen varios tipos de casos de quiebra. Debe declararse en quiebra seg\u00fan el Cap\u00edtulo 7 o el Cap\u00edtulo 13. Para obtener m\u00e1s informaci\u00f3n sobre la quiebra, consulte nuestra otra publicaci\u00f3n en &quot;<a href=\"https:\/\/slls.org\/es\/bankruptcy-basics\/\"><span style=\"text-decoration: underline;\"><span style=\"color: #138a43; text-decoration: underline;\">Conceptos b\u00e1sicos de quiebra<\/span><\/span><\/a>.\u201d<\/p>\n<p>Busque un abogado que le ayude si no sabe si debe declararse en quiebra o qu\u00e9 tipo de caso de quiebra presentar. Siempre es mejor tener un abogado si es posible.<\/p>\n<p>En el caso de quiebra, usted o su abogado deben presentar un \u201cProcedimiento Adversario\u201d para que el tribunal de quiebras considere cancelar su pr\u00e9stamo federal para estudiantes.<\/p>\n<p>El Departamento de Justicia pedir\u00e1 a la persona que se declara en quiebra (el \u201cdeudor\u201d) que complete un formulario. Sus respuestas ayudar\u00e1n al Departamento de Justicia a revisar su reclamo de condonaci\u00f3n de pr\u00e9stamo federal para estudiantes.<\/p>\n<p>El formulario le preguntar\u00e1 sobre la situaci\u00f3n monetaria de usted y su hogar. La mayor parte de su informaci\u00f3n sobre ingresos y gastos probablemente ya est\u00e9 en los documentos del tribunal de quiebras.<\/p>\n<p>El Departamento de Justicia y el Departamento de Educaci\u00f3n revisar\u00e1n sus reclamaciones de pr\u00e9stamos federales para estudiantes y su situaci\u00f3n monetaria y utilizar\u00e1n la prueba de \u201cdificultades excesivas\u201d mencionada anteriormente.<\/p>\n<p>El gobierno decidir\u00e1 si solicitar\u00e1 al tribunal la condonaci\u00f3n de sus pr\u00e9stamos estudiantiles. Incluso si su situaci\u00f3n no parece cumplir con la prueba, el gobierno a\u00fan puede pedirle al tribunal que cancele los pr\u00e9stamos.<\/p>\n<h2>\u00bfQu\u00e9 mirar\u00e1 el gobierno?<\/h2>\n<ol>\n<li>Su capacidad de pagar ahora\n<ul>\n<li>El gobierno ver\u00e1 si sus gastos son iguales o superiores a sus ingresos y si esto significa que no puede pagar sus pr\u00e9stamos ahora.<\/li>\n<\/ul>\n<\/li>\n<li>Su capacidad de pago en el futuro\n<ul>\n<li>El gobierno ver\u00e1 si puedes pagar tus pr\u00e9stamos en el futuro. Aqu\u00ed hay algunas cosas que podr\u00edan demostrar que no puede pagar sus pr\u00e9stamos en el futuro:\n<ul>\n<li>Tienes 65 a\u00f1os o m\u00e1s.<\/li>\n<li>Tiene una discapacidad o lesi\u00f3n continua que afecta sus ingresos.<\/li>\n<li>Estuvo desempleado durante al menos 5 de los \u00faltimos diez a\u00f1os.<\/li>\n<li>No obtuvo el t\u00edtulo para el cual solicit\u00f3 los pr\u00e9stamos; y<\/li>\n<li>El pr\u00e9stamo no ha sido impedido de pago por un estado de pago &quot;en la escuela&quot; durante al menos los \u00faltimos diez a\u00f1os.<\/li>\n<li>Puede utilizar otros hechos para demostrar que no puede pagar los pr\u00e9stamos.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li>Sus esfuerzos de buena fe para pagar\n<ul>\n<li>Debe mostrar buena fe a la hora de reembolsar el pr\u00e9stamo o los pr\u00e9stamos. Deber\u00e1 demostrar al menos una de las siguientes cosas para demostrar buena fe:\n<ul>\n<li>Que hiciste un pago.<\/li>\n<li>Solicit\u00f3 un aplazamiento o indulgencia (no en per\u00edodos escolares o de gracia);<\/li>\n<li>Solicit\u00f3 un IDRP (Plan de pago basado en los ingresos);<\/li>\n<li>Solicit\u00f3 un pr\u00e9stamo federal de consolidaci\u00f3n.<\/li>\n<li>Respondi\u00f3 a la comunicaci\u00f3n de un administrador de pr\u00e9stamos o un cobrador;<\/li>\n<li>Usted cooper\u00f3 con el Departamento de Educaci\u00f3n o su administrador en opciones de pago, indulgencia, aplazamiento o opciones de consolidaci\u00f3n de pr\u00e9stamos; o<\/li>\n<li>Cooper\u00f3 con un tercero que cre\u00eda que le ayudar\u00eda a gestionar la deuda de su pr\u00e9stamo estudiantil.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h2>\u00bfExisten costos judiciales adicionales para que se cancelen los pr\u00e9stamos federales para estudiantes?<\/h2>\n<p>No si utiliza el tribunal de quiebras. Hay <strong>No<\/strong> costos judiciales adicionales una vez que haya presentado su solicitud ante el Tribunal de Quiebras de EE. UU.<\/p>\n<h2>\u00bfQu\u00e9 pr\u00e9stamos cubren las nuevas reglas?<\/h2>\n<p>Las nuevas reglas cubren los Pr\u00e9stamos Directos y otros pr\u00e9stamos del Departamento de Educaci\u00f3n de EE. UU.<\/p>\n<p>Hasta ahora, las nuevas reglas no se aplican a los Pr\u00e9stamos Federales para la Educaci\u00f3n Familiar (FFEL) en poder de los garantes ni a los Pr\u00e9stamos Perkins que a\u00fan est\u00e1n en poder de la escuela.<\/p>\n<p>Las nuevas reglas NO se aplican a ning\u00fan pr\u00e9stamo privado para estudiantes.<\/p>\n<h2>\u00bfQu\u00e9 puedo hacer con mis pr\u00e9stamos FFEL y Perkins?<\/h2>\n<p>Presta atenci\u00f3n a las noticias. El Departamento de Educaci\u00f3n puede cambiar las reglas para los pr\u00e9stamos FFEL y Perkins. O puede conseguir que un abogado lo ayude a revisar sus pr\u00e9stamos estudiantiles y determinar si una bancarrota del Cap\u00edtulo 7 es adecuada para usted.<\/p>\n<h2>Aqu\u00ed hay otros recursos:<\/h2>\n<p><span style=\"text-decoration: underline; color: #138a43;\"><a style=\"color: #138a43; text-decoration: underline;\" href=\"https:\/\/www.justice.gov\/opa\/pr\/justice-department-and-department-education-announce-fairer-and-more-accessible-bankruptcy\">https:\/\/www.justice.gov\/opa\/pr\/justice-department-and-department-education-announce-fairer-and-more-accessible-bankruptcy<\/a><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<style type=\"text\/css\" class=\"panels-style\" data-panels-style-for-post=\"11071\">@import url(https:\/\/slls.org\/wp-content\/plugins\/siteorigin-panels\/css\/front-flex.min.css); #pgc-11071-0-0 { width:100%;width:calc(100% - ( 0 * 30px ) ) } #pg-11071-0 , #pl-11071 .so-panel { margin-bottom:30px } #pl-11071 .so-panel:last-of-type { margin-bottom:0px } @media (max-width:780px){ #pg-11071-0.panel-no-style, #pg-11071-0.panel-has-style > .panel-row-style, #pg-11071-0 { -webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column } #pg-11071-0 > .panel-grid-cell , #pg-11071-0 > .panel-row-style > .panel-grid-cell { width:100%;margin-right:0 } #pl-11071 .panel-grid-cell { padding:0 } #pl-11071 .panel-grid .panel-grid-cell-empty { display:none } #pl-11071 .panel-grid .panel-grid-cell-mobile-last { margin-bottom:0px }  } <\/style>","protected":false},"excerpt":{"rendered":"<p>The information provided on this post does not, and is not intended to, represent legal advice. All information available on this site is for general informational purposes only. If you [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":11072,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[48,88],"tags":[96],"class_list":["post-11071","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-debt-collection-consumer-protection-and-taxes","tag-bankruptcy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>New Bankruptcy Help for Some Federal Student Loans - Blog<\/title>\n<meta name=\"description\" content=\"New rules could help you discharge your federal student loans in bankruptcy if you filed after November 17, 2022.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/slls.org\/es\/new-federal-student-loan-bankruptcy\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New Bankruptcy Help for Some Federal Student Loans - 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