Celebrating 10 years! 2007-2017

does this writer sound familiar to this board?

This "law school horror story" involving someone previously youngbuck03/26/18
Little bit, but a decade earlier in time. I'm also surpri wutwutwut03/26/18
Well, it also mentions that the author collects disability, onehell03/26/18
I don't know if it's as easy as that (not that being complet wutwutwut03/26/18
GradPLUS was available for the class of 2009, but not very p downwardslope03/26/18
You know what always bugs me about these stories? These stup fettywap03/26/18
+1. The guy gets a pass on his loans. WTF. They can't even caj11103/26/18
Exactly what law school admitted them? Cooley or Thomas Jeff trijocker03/26/18
I'm pretty sure you can work a little bit and still collect cranky03/29/18
Yeah I thought this was opal at first, but the dates are off anonattempt03/29/18
He’s actually in better shape than many law grads ! greenhorn03/29/18
youngbuck (Mar 26, 2018 - 2:42 pm)

This "law school horror story" involving someone previously committed but accepted to law school and miraculously admitted to the bar - reminds me of one of the posters we've had on here. Suprised ATL posted such an outlandish piece, especially the last reference about the student loan debt being discharged by bankruptcy.

https://abovethelaw.com/2018/03/what-happens-when-you-never-shouldve-been-admitted-to-law-school-in-the-first-place/

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wutwutwut (Mar 26, 2018 - 2:54 pm)

Little bit, but a decade earlier in time.

I'm also surprised they'd include the claim to bk dissolution of the school loans, without at least some verification or discussion of the circumstances, given how very rare that is. But given the writer, not too surprised.

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onehell (Mar 26, 2018 - 3:07 pm)

Well, it also mentions that the author collects disability, which means the social security administration has already decided that this person is totally and completely disabled and incapable of engaging in any kind of "substantial gainful activity."

On those facts, you don't even need to go to court. You can get the debt administratively discharged for total and permanent disability:

https://www.disabilitydischarge.com/Application-Process

So it's no surprise that he won on this. SSI or SSDI means you can't work. It's pretty much an automatic discharge, and it literally is an automatic discharge if your next "continuing disability review" is 5+ years out, per the link above. It'd be pretty hard for a bankruptcy court to deny a discharge that DOE would have granted administratively.

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wutwutwut (Mar 26, 2018 - 5:27 pm)

I don't know if it's as easy as that (not that being completely disabled is "easy", either).

On debts incurred in 2003 and 2006 time frame, would these have been grad plus or would they have been private loans? I was thinking grad plus was later in time, but could be wrong.

But I'm just going on "horror stories" type prior reports (also largely on ATL, most likely) that tended to indicate you pretty much had to be dead to get rid of private LS loans. And not even then, if a parent had co-signed...

(Edit: Correction to part of above, looks like he would have taken his final loan for spring 2009.)

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downwardslope (Mar 26, 2018 - 7:20 pm)

GradPLUS was available for the class of 2009, but not very popular because the private loan companies were still servicing them and made the terms so terrible that you wouldn’t want to take them. It was something like 12% or more with all the origination and fees they tacked on vs. 7-8% at worst if you could qualify for a private loan and that only went down as the years progressed. PSLF started sometime in 2007, so it was really more about repayment potential for the class of 2009.

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fettywap (Mar 26, 2018 - 5:12 pm)

You know what always bugs me about these stories? These stupid felons who are dangerous and completely insane could still find work as a "paralegal" when most of my legal career I couldn't find a job to save my life. Oh, and for being a complete freak and a criminal he doesn't have to pay his loans back. I love America.

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caj111 (Mar 26, 2018 - 5:28 pm)

+1. The guy gets a pass on his loans. WTF. They can't even garnish a little bit of his part-time paralegal salary.

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trijocker (Mar 26, 2018 - 7:44 pm)

Exactly what law school admitted them? Cooley or Thomas Jefferson or Florida Coastal?
Also you cannot be working and collect SSDI at the same time. Social Security Administration would get a hit that you are accruing earnings, and call you in for an interview and end your SSDI.
You have to be nearly dead to be able to collect, not still able to work.
Something doesn't add up about this story.

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cranky (Mar 29, 2018 - 8:43 pm)

I'm pretty sure you can work a little bit and still collect SSDI. Something like $1,100 a month or so is the earnings limit to maintain eligibility.

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anonattempt (Mar 29, 2018 - 2:36 pm)

Yeah I thought this was opal at first, but the dates are off. Amazing how similar everything is in the first few paragraphs though.

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greenhorn (Mar 29, 2018 - 11:15 pm)

He’s actually in better shape than many law grads !

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