Practice Areas

Forfeiture / Seizure of Money

Know your rights if your money is forfeited or seized by the police. A person who has had their money forfeited or seized must take immediate action to protect their rights. You are required by law to mail or hand-deliver a written response to the Complaint filed in this action to the lawyer for the Plaintiff.

If you have received a summons, a copy of your answer must be mailed or hand-delivered to the state’s lawyer within thirty (30) days from the date on the summons and petition are served, or a judgment by default may be entered against you for the currency and property or other relief demanded in the petition or complaint. You must also file the original of your response with the Clerk of the Court within a reasonable time afterward.

Khalaf & Nguyen can work on your behalf if your money has been forfeited or seized.

Debt Relief / Student Loans

When you enrolled in college, you probably thought you were making an investment in your future, and you were. What you hadn’t planned on was that the economy would tank, jobs would disappear and your student loans would become a huge burden following you around for the rest of your working life.

Unfortunately, that is the reality many find themselves in today. With the economic downturn and recessions of the 2000’s and 2010’s, many went to college or pursued higher education to help their chances of landing a good paying job. Consequently, student loan debt has soared, higher than ever before. In particular, many were forced to take out higher interest rate private student loans, not backed by the federal government.

Some less scrupulous schools lured people into education programs with promises of high paying jobs that never materialized. With tuition costs also soaring, private student loan debt has ballooned to crisis levels in this country. If you find yourself with less income than you anticipated and unable to keep up with student loan payments, there is help with an attorney negotiated student loan debt settlement.Creditor Lawsuits

How Student Loan Debt Settlement Works

Under our student loan debt settlement program, a licensed attorney contacts your student loan lenders and begins a negotiation process to significantly reduce the interest AND principal the lender claims is owed. At the end of a successful student loan settlement, the borrower ends up paying only a fraction of the original balance claimed by the lender. The rest of the debt is forgiven by the lender and the settlement is a full and final settlement of the debt, leaving the borrower without the burden of student loan debt going forward. All of this is done without filing bankruptcy.

What are Private Student Loans?

There are two main categories of student loans: federal and private. Federal student loans, such as Stafford Loans are backed by the federal government and are highly regulated. We do not work with federal student loans.

On the contrary, private student loans may be issued by well known banks, like Citigroup or Chase Bank. These loans may have higher interest rates than federally backed loans. Our student loan debt negotiation program is for privately issued student loans only. If you are unsure of what type of loans you have, you can contact us for a free evaluation.

Why you need a student loan lawyer to fight for you

Here is the main reason you need a student loan lawyer to fight for you and protect you against student loan lenders, such as Navient, Discover, National Collegiate Trust, etc. — there is A LOT of money exchanging hands in the student lending market. Whenever there is a lot of money exchanging hands in an industry, people tend to get greedy and break the rules. It is no secret that student lenders, servicers and collectors tend to break the rules.

The CFPB, the government’s financial watchdog agency, recently reported that the federal government’s own student loan debt collectors are breaking the rules. According to the CFPB, “Some of the debt collectors, who work under contracts from the Education Department and weren’t identified by the CFPB, threatened borrowers with lawsuits even though they had no intention of suing. Some used call scripts and letters that misled borrowers about the benefits of repaying their defaulted federal student loans. Misleading borrowers about their debts is generally illegal under the Fair Debt Collection Practices Act.”

Or there is the story of the “Corinthian 15” who are protesting student debt because there for-profit school, Corinthian College, illegally pushed predatory loans on their students after lying to them about career assistance and job prospects. The government shutdown Corinthian College due to this fraudulent lending and collection scheme, but previous students are still being collected against.
Basically, there is A LOT of rule breaking going on in the student lending industry, which is why you need a lawyer to fight for you and protect your rights. These lenders and collectors will definitely have lawyers on their side. It is in your best interest to have one as well.

Are there other alternatives?

Some private student loan lenders will offer forbearance or deferment of student loans, especially after graduation, in order for you to find a job. In some cases, if you are going through difficult times, you may be able to defer private student loans. But ultimately, the principal, interests and penalties will add up and you may find yourself with student loans you cannot afford.

If you have private student loans, or are unsure of what type of loans you have, please contact us for a free consultation with a student loan attorney. We will provide a free case evaluation to see if you qualify for our student loan debt settlement program.

Debt Relief

We can represent you, not only in negotiating reductions in your debt, but defending you against creditor lawsuits. We have provided some answers to questions to help you once you have been served a complaint by a credit card or other collector. At 601 Attorney, we always offer a free consultation in person at one of our nationwide offices, to discuss your options, timelines and strategy to get true debt relief.

Car Wreck / 18 Wheeler

Did you know that you could possibly get diminished value of your vehicle if it was repaired?

For example: On Monday, Seller Sam puts his 2014 Toyota Camry with 35,000 miles for the sale price of $13,000. Mr. Buyer looks at the Camry. He likes it and tells Seller Sam, “if you still have this Camry by Friday and I can get ahold of $13,000, I will give you a call”. The next day, Ms. Rearender’s Corvette smacked into the back of Seller Sam’s Camry as he was dead stopped at the red light.

Super Speedy Auto Repair estimated it would cost $6,000 to repair the Camry. My-Fault Insurance Company agrees to accept liability and pay the repair bill rather than totaling out the vehicle. Super Speedy Auto Repair got the repairs done in less than three days and Sam Seller picks up the Camry on Thursday night. Friday morning, Mr. Buyer calls Sam Seller and says he is willing to buy the Camry for $13,000.

Sam Seller meets up with Mr. Buyer who has a pocket full of Benjamins (because that’s “how he rolls”). Before Mr. Buyer hands over the money or signs anything, he pulls out his superfast iPhone 10++ and checked the Camry’s Car Fax Report. Mr. Buyer 1inds out the Camry recently was in a wreck with major repairs. He now declines to pay $13,000 but will offer only $10,000 for the Camry.

Sam Seller declines and takes it to he dealership for trade-in value on the Camry. Last week, Camry of the World offered him a trade-in-value of $13,000 but now they will only offer him $9,000 because they too found out about the repairs. o Sam Seller called Mr. Buyer and sells the Camry for $10,000 o A Blue Book Value of this Camry, had it not been for the accident, was $13,000 but it is valued now at $10,000, which is a $3,000 difference —this is your car’s diminished value. We will work to recover a reasonable diminished value claim for your repaired vehicle.

DISCLOSURE:

The illustration above was for demonstrative purposes and the characters were 1ictional. Mr. Buyer does not carry $13,000 in cash around town or “rolls like that” around Mississippi. Diminished value claim (DV) varies from case to case. Not every repair vehicle will have a DV claim (i.e., it varies on the available insurance coverage, the fault of the parties, the make, model, and condition of the vehicle). It is important to talk to an attorney with our 1irm to determine if you have a DV claim.

If you are in a car wreck, then there is some important information that you will need to provide your attorney: Address, phone number, detail regarding vehicle repair, photographs, medical bills, information about your job, and receipts. Here are some tips that you can follow if you are involved in a car wreck:

Personal Injury / Death

Have you or a loved one experienced a personal injury? The bills can quickly pile up and the creditors may begin to call you. Are you or a loved one a victim of a medical drug, medical malpractice, or work injury? Contact Khalaf & Nguyen, PLLC, Law Firm TODAY at 1(601) ATTORNEY 1(601) 288-6763 to discuss your options. Our attorneys are standing by to evaluate your case to see if you have a claim.

Criminal Law

Our attorneys have experience with felony charges as well as misdemeanors. Khalaf & Nguyen has represented clients at preliminary hearings (capital murder . . . drugs valued at over $1 million . . . and so forth), bond reduction hearings and writ of habeas corpus hearings (i.e. bond reduced from $1 million to $25,000 in a manslaughter charge; bond reduced from $1 million to $250,000 in a huge drug felony charge), and so forth.

In regards to misdemeanors, Khalaf & Nguyen has represented clients who have been charged with all types of misdemeanors (i.e. simple assault, domestic violence, possession, and so forth). Our attorneys have conducted trials in municipal courts and justice courts.

Contact our firm today and speak with an attorney about your case: (601) 288-6763. Khalaf & Nguyen offers free consultation to discuss your case. Fill out and submit the “CONTACT FORM” for a FREE case evaluation.

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