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In November 2022 the National Association for Consumer Bankruptcy (NACBA) held its annual workshop on consumer bankruptcy. As a member for over 25 years, I was able to conference with the finest bankruptcy colleagues in the country with the single pursuit of trying to advance the ability of attorneys to help their clients obtain a fresh start with their debts. I am entering my 34th year of practicing consumer bankruptcy law with its ever-changing rules and regulations. A particular focus of this workshop was the more relaxed and progressive interpretation of the “undue hardship” concept under the law in determining if government student loans may be wipe out in bankruptcy. There are new guidelines unfolding and my office will be following them closely so that many more people in serious financial distress can wipe out or manage their student loan obligations. David J. Babel is a highly experienced consumer bankruptcy attorney for over 33 years, serving thousands of clients. A fresh start begins here. Call for a free telephone consultation: 718 881-7964.

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