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Requesting Cosponsors To Discharge Student Debt through Bankruptcy: H.R.449 - 114th Congress (2015-2016)

Messages Sent So Far
Dear Members of Congress,

Bankruptcy protections should never have been removed from any student loans in this nation. In general, we believe it is very clear at this point that removing bankruptcy protections from both private and federal student loans has led to predatory lending behavior, has enabled unchecked inflation in the cost of college, has led to intolerably poor oversight in the case of federal loans, and caused a plethora of other negative consequences that have far outweighed any short term financial benefits to the lending side of the system. The harm this has done to the citizenry has been incalculable. Therefore, we believe that bankruptcy protections must be returned to all student loans as quickly as possible. The current legislation is an important start, however, and so we look forward to its quick passage.

Please cosponser H.R. 449 to help generations of Americans struggling with the financial burden of student loan debt.

Signed,
Public Comments
Jun 21st, 2016
Someone from Decatur, GA signed.
Jun 21st, 2016
Someone from Brooklyn, NY signed.
Jun 21st, 2016
Someone from Lewisburg, PA signed.
Jun 20th, 2016
Someone from Magnolia, AR signed.
Jun 20th, 2016
Someone from Spring, TX signed.
Jun 20th, 2016
Someone from Atlanta, GA signed.
Jun 20th, 2016
Someone from Cleveland, GA signed.
Jun 20th, 2016
Someone from Pimento, IN signed.
Jun 20th, 2016
Someone from Broomfield, CO signed.
Jun 20th, 2016
Someone from Cincinnati, OH writes:
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Our "Congress" should be ashamed of the policies & procedures that you pass and enforce upon US as "parent's & student's! That you and your Corporate Greedy so called gov't contracted "to Big to fail" that cause and create Financial burdens upon us by changing loan(s) numbers, provide an show upon account login.. "Congratulations" for paying Off your student loan(s) then claim it WAS an error.? I think Not! You allow this failure & deceitful collections practice of Unknowingly default for Profits, your student loan servicer and the DOEd, WHOM continues to MAKE $$profits$$ while you create Bull$hit & Bandaids FOR us to follow and YOU continue to OPEN your eyes and see that this is the ONLY solution to help the borrowers You allowed them to Financially Harm! Restore OUR Consumer Rights! Stop this misconduct that seems to continue the lack of oversight & knowledge that yes this is the Financial mess you allowed and Enforce penalties against the Corporate Loan Servicer WHO keeps their fire burning while they Profit!!! Shame on You for continually Failing the Students & Parent's WHO want More in life than a High School Diploma! You claim that "education" shouldn't be for profits, however you FAIL to Step up and Listen or acknowledge the FACTs! I'm a Mother whom You allowed the Greedy Sallie Mae to unknowingly Default when our daughter was Granted Medical TPD discharge ONLY to automatically default is the co signer for private & Federal student loan(s)they Deceiving collected over $ 19, 000.00 in 6 months causing our family Financial hardship! NCO Financial, West Assets, Allied Interstate, plc and Sallies so called Credit Management Collection! I have documents that took OVER 6 weeks to be mailed by us postal service from SM Advocates that Shows us our loans were in "deferment" at the time of unknow default & collections! SHAME on You once Again for failing the American Dream(s) , Goals for our kids an the future of our ECONOMIC Growth! I pray the this growing $ 1.4 Trillion Dollar Student debt BLOWS in your FACE!
Jun 20th, 2016
Someone from Kirkland, WA signed.
Jun 19th, 2016
Someone from Abbottstown, PA signed.
Jun 19th, 2016
Someone from Chandler, AZ signed.
Jun 19th, 2016
Someone from Henrico, VA writes:
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I would like the opportunity to start over from the predatory lenders and for profit college scams that ruined my future. I will never get out of debt without this as both schools are now closed or closing and the compounded debt still remains....
Jun 19th, 2016
Someone from Morgan Hill, CA signed.
Jun 19th, 2016
Someone from Phoenix, AZ signed.
Jun 19th, 2016
Someone from Saint Paul, MN writes:
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Addressed To the United Syates Congress: I was initially researching this topic for my own student loan concerns, and I became horrified while seeing the stories of others, talking with some of the family members of borrowers whose siblings or children had commited suicide, etc, If the pain of individuals is not enough, however, the the Federal government seems to have put this issue on the back burner, addressing only with rehetoric. I think one Sentator has taken this situation seriously, and the only bill she can propose after making the trade offs needed to get anything done is almost meaningless. It is substantively different from the positions she has previously advocated. I have to wonder whether this watered down bill has anything to with the multi-millions of dollars spent. by loan servicing companies-indirectly or directly-an advantage not avaialable to 18 and 22 year borrowers. These borrowers have no idea of the fraud that is being committed. These borrowers are the only debtors exempt from ANY ANY type of consumer protection, a legal amendment resulting, in great part, from the lobbying efforts of the servicing companies. If there is no compassion for any of the individuals suffering from this industry's illegal and immoral practices, consider the impact on the US eonomy. We are facing so many student defaults that this is a silent crisis approaching explosion. And when it does erupt, it has been predicted to be worse than the mortgage crisis. Do we have a plan in place for that? If so, I'm certainly not aware of it. It seem to me that, of those capable of crisis prevention and management, almost sll are sweeping this under the carpet until it explodes Finały, as potential college and graduate school entrants decide whether the to seek higher education, they are deterred by what they see in their predecessesors. We have generations now if people of people who did not start families, buy homes, or otherwise move on with their lives because of loans they borrowed without adequate understanding or proper guidance as to what these obligations really meant. With new generations of young adults lacking higher education, how will this affect our already declining economy? Will we ultimately become a country with a large population of cheap labor? If so, what can we expect for our position in the world economy? It may be easy to ignore this problem now, because it's very complex. It's easy to ignore the psin and numerous suicides resulting from the pessure of the pressure of unaffordable loan payments and the egregious harassment suffered daily by honest people trying to pay loans which endlessly double and triple in balace. The cost in human capital manifests in unemployment, emolyee burniut, social security disability benefits and unemployment, as the stress can ultimately drive these individuals into states of disability, requiring increased work absences and health care expenses. My sense from rea
Jun 19th, 2016
Someone from Lancaster, CA signed.
Jun 19th, 2016
Someone from Denver, CO writes:
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When will you do the RIGHT thing????
Jun 19th, 2016
Someone from Clymer, PA signed.
Jun 19th, 2016
Someone from Battle Creek, MI writes:
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Or maybe try to get schools to cost less. Or interest rate lower.
Jun 19th, 2016
Someone from Schenectady, NY signed.
Jun 19th, 2016
Someone from Stratford, CT signed.
Jun 19th, 2016
Someone from Cedar City, UT signed.
Jun 19th, 2016
Someone from Saint Louis, MO signed.
Jun 19th, 2016
Someone from Kent, WA signed.
Jun 19th, 2016
Someone from Culver City, CA signed.
Jun 19th, 2016
Someone from Hollywood, FL signed.
Jun 18th, 2016
Someone from Layton, UT writes:
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We must restore consumer protections bankruptcy protections in the student loan realm.
Jun 18th, 2016
Someone from Sunbury, OH signed.
Jun 18th, 2016
Someone from Salem, OR signed.
Jun 18th, 2016
Someone from Rock Tavern, NY writes:
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Please help.
Jun 18th, 2016
Someone from Racine, WI writes:
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This debt is crushing us.
Jun 18th, 2016
Someone from Venice, FL signed.
Jun 18th, 2016
Someone from New York, NY signed.
Jun 16th, 2016
Someone from Bowling Green, OH writes:
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Please please pass this bill. People are taking their own lives because they have no hope of relief from this debt that has become crushing for them. The loan companies are vicious and care nothing for our lives. They put money above the value of human life with the way the harass the people they try to collect from. Please, hear us when we ask for you to pass this bill and get it passed now. Thank you for all the good you do.
Jun 16th, 2016
Someone from Kaiser, MO signed.
Jun 16th, 2016
Someone from Los Angeles, CA signed.
Jun 16th, 2016
Someone from Paradise, CA writes:
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People are suffering. For many of us there is no retirement hope and live in poverty. Education is a lie. I did what I thought I was suppose to do and have never made a decent wage. Between females making less money and the lack of respect and compensation for female centered careers, I have never had enough money to pay student loans and also eat.
Jun 16th, 2016
Someone from Manchester, CT signed.
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