How to Find an Attorney to Represent a Co-Signer on a Student Loan

Although you did not expect to be dealing with debt collectors when you co-signed for that student loan, the worst happened; for whatever reason, the student defaulted on his loan, and now collectors are coming after you. As co-signer, you agreed to pay the debt if the primary debtor did not pay, so technically, the debt now belongs to you. Consulting an attorney is essential when dealing with co-signed student loan debt. An attorney who knows the collection laws for your state can assist you in making decisions about the course of action that is best for your financial situation.

Instructions

1

Ask friends or family members for recommendations on an attorney who specializes in debt. Depending on whether the student loan is federally guaranteed or private, bankruptcy may not be an option; but a bankruptcy attorney will know the ins and out of the debt laws in your state.

2

Visit the American Bar Association's Find Legal Help website to locate an attorney in your jurisdiction. This website allows you to search for attorneys practicing debt law, and provides links to legal aid resources for each state.

3

Create a list of attorneys to interview from these sources. Call and make an appointment with attorneys that you feel are promising based on your research. Many attorneys provide a free consultation for you to discuss how to manage the student loan debt.

4

Talk with each attorney and ask about his experience, what he feels is the best way to deal with the student loan creditor and what he charges for his representation. Take notes during each conversation.

5

Compare your notes and choose the attorney you feel will provide you the service you need. Consider her fees, and whether you are comfortable talking with her about your finances. While a good rapport with the attorney you choose is not mandatory, it will help as you will talk with her frequently until you resolve the issue with the student loan debt.