I’m Dave Falvey, I have been practicing law for 35 years and I have been recognized – I’m honored to say – by my peers as a very experienced attorney in helping people deal with their debts and manage those debts.
I’ve been awarded a number of merit badges like Super Attorney and Board Certification in Consumer Bankruptcy. But what it all means is that I’ve been to the ‘OK Corral’ more times than I want to count and lived to tell about it. And I have saved many clients from financial disaster – even those with student loan problems. Over 5,000 and counting.
I’m satisfied that I have helped my clients but there are times when the laws won’t help the average person no matter what skills I possess. One of the areas where I want to help people is with student loans. I do all I can to make clients aware of their options under the law if they have Federal Student Loans and I help them obtain affordable payment plans and/or PSLF (Public Service Loan Forgiveness).
Private loans are very difficult to obtain any real relief from so I am experimenting with using a ‘Serial Chapter 13’ to allow clients at least the opportunity to ‘live’. It’s not a perfect solution but it can provide the relief many need and are seeking.
I take on clients who owe $50,000, $100,000, $150,000, $200,000+ in student loans and are unable to pay their rent and/or car payments. Why? I want to bring pro bono cases in the bankruptcy courts and challenge the status quo.
As a practical matter, student loans can’t be discharged in bankruptcy. In the 1990’s they were dischargeable in bankruptcy. I should know. I have had student loans discharged in bankruptcy for a number of clients. But I now have to tell clients that today receiving a discharge of student loans in bankruptcy is comparable to the Marines raising the flag at Mount Suribachi on the Island of Iwo Jima during WW II. Of the 6 marines who raised the flag, 3 were later killed.
Therefore, I tell my clients: ”Don’t get your hopes up” and I mean it; and I’m willing to bring your case pro bono because you can’t afford to hire me. But I have to select your case as being one that is beyond impossible and you have to be willing to be a ‘soldier’ carrying that flag.
I was taught as a little guy, that if I had to confront a bully who was 3 times my size, I would kick him in the shins and run. And even if I was captured and killed by the bully, I would do the same the next time until finally, the bully wasn’t so quick to go after myself.
Feel free to contact my office with any of your questions or concerns about your existing student loan; I’d be more than delighted to help you!
Still have questions?
If you live in New London County and want help with your student loan debt, call our office now at 860-449-1510 – we’d love to help you!