We’re a law firm focused on getting your life back through
bankruptcy and other student loan solutions.
Experienced bankruptcy attorneys helping borrowers eliminate crushing student loan debt through Chapter 7 and Chapter 13 discharge proceedings.
Securing income-based hardship relief for struggling borrowers through bankruptcy discharge, payment restructuring, and federal program qualification assistance.
Pursuing total or partial student loan discharge through strategic litigation, adversary proceedings, and comprehensive undue hardship documentation.
Brian E. Miller and The Independence Law Firm
The Independence Law Firm, founded by Brian E. Miller, specializes in student debt relief solutions to help individuals overcome educational loan burdens.
As founding partner, Brian combines advanced bankruptcy and debt settlement knowledge to craft innovative student debt relief strategies.
The firm’s core values—integrity, compassion, and professionalism—guide their personalized approach to helping clients achieve financial independence through effective student loan solutions.
Yes! While challenging, many borrowers successfully discharge student loans by proving undue hardship. Recent judicial trends and DOJ policy changes have made courts more receptive. With experienced legal representation documenting your circumstances properly, discharge is achievable for qualifying borrowers.
Both chapters provide powerful tools. Chapter 7 offers faster potential discharge for those with limited income. Chapter 13 provides 3-5 years of payment flexibility, creditor protection, and multiple strategic advantages. We’ll recommend the best approach based on your unique situation.
Experienced attorneys know how to build compelling hardship cases, navigate complex procedures, and present evidence effectively. We handle all litigation aspects, from filing through trial if needed. Our expertise significantly increases success rates compared to self-representation.
Strong cases often involve mature borrowers, documented medical conditions, limited income despite good faith efforts, and family obligations. Recent case law shows courts increasingly recognize legitimate hardships. We’ll evaluate your specific circumstances to build the strongest possible case.
Private loans face the same hardship standard but may offer additional opportunities. Some private educational loans might not qualify for special protection, making discharge easier. We’ll analyze your specific loans to identify every possible avenue for relief.
