Meet Jay Fleischman

Managing Attorney

Hi, I’m Jay. I’m a student loan lawyer, and have been representing people with bill problems for 23 years.

If you’re dealing with the burden of student loan debt, you know how hard it is to get reliable help to solve your problems.

Student loan servicers, lenders and the U.S. Department of Education often give conflicting and inconsistent information. Sometimes you can get two different answers from the same company.

Repayment options are overwhelming, and there’s no way to know which one is right for your financial goals. Getting out of default can be a minefield as you are forced to provide massive amounts of information to debt collectors who tack on outrageous fees. With the prospect of wage garnishments, tax refund offsets and lawsuits looming, your options to recover feel limited.

The system is designed to make you fail, and to keep you from living a rewarding and meaningful life.

Jay Fleischman

Hi, I’m Jay. I’m a student loan lawyer, and have been representing people with bill problems for 23 years.

If you’re dealing with the burden of student loan debt, you know how hard it is to get reliable help to solve your problems.

Student loan servicers, lenders and the U.S. Department of Education often give conflicting and inconsistent information. Sometimes you can get two different answers from the same company.

Repayment options are overwhelming, and there’s no way to know which one is right for your financial goals. Getting out of default can be a minefield as you are forced to provide massive amounts of information to debt collectors who tack on outrageous fees. With the prospect of wage garnishments, tax refund offsets and lawsuits looming, your options to recover feel limited.

The system is designed to make you fail, and to keep you from living a rewarding and meaningful life.

Services I Provide

If you’ve got student loans, there’s a good chance I can help you get into a better financial position. There are a lot of ways to gain control over your debts – luckily, I’ve got the experience and knowledge needed to make sure you choose the best option for you.

Student Loan Problems

  • Repayment Planning and Advisory Services

  • Public Service Loan Forgiveness

  • Loan Forgiveness and Discharge Planning

  • Default Resolution

  • Administrative Wage Garnishment and Tax Refund Offset Resolution

  • Settlement and Compromise

  • Lawsuit Defense*

Debt, Credit and Personal Finance

  • Bankruptcy Representation*

  • Bankruptcy Dischargeability Actions*

  • Collection Lawsuit Defense*

  • Collection Abuse Litigation*

  • Credit Report Error Litigation*

  • Debt Settlement and Financial Wellness Consulting

Reliable Advice From an Experienced Lawyer

My promise is simple – I’ll help you understand all your options when it comes to your student loans. I’ll show you exactly what you can do on your own, and provide you with a step-by-step roadmap to empower you to achieve your goals. If you need my help, you’ll know exactly what you’re getting and I’ll do my very best work for you.

I’ve been a lawyer for over 20 years, focusing my practice on helping people with bill problems. I’m licensed to practice law in New York and California, and take professional responsibility seriously.

From 2012 until 2018 I helped to build and run The Student Loan Law Workshop, the first and largest training ground for attorneys seeking to learn how to help their clients with educational debts. I personally trained over 300 attorneys in the field of student loan law during that time, putting them in a position to help borrowers and their families level the playing field.

I also represent people in bankruptcy court, and was the first lawyer in New York to get the U.S. Bankruptcy Court to rule a creditor’s refusal to update a credit report after bankruptcy to show the debt as being discharged and having a $0 balance is a violation of the U.S. Bankruptcy Code.  In the cases of Torres v. Chase Bank USA, NARussell v. Chase Bank USA, NA and Gilyard-McKenzie v. HSBC Bank USA, NA the courts agreed that consumers had the right to have their credit reports properly updated after bankruptcy.

I’m also the host of the critically acclaimed Student Loan Show, and am quoted frequently by the media on matters concerning educational debt and consumer credit in general.

Don’t take my word for it. The only way to make a hiring decision is to independently verify my credentials, listen to what other people have to say about me, and spend some time here. If you come away with a good feeling about things, reach out for an appointment.

Verify my bar admissions:

Jay S. FleischmanReviewsout of 78 reviews

Schedule Your Appointment Now

Beware of Scammers

There is no shortage of companies offering student loan counseling. In fact, you’ve probably heard from at least a few of them.

Many have official-sounding names, and others are run by lawyers. They promise lower payments, forgiveness, and settlements. Some companies go so far as to guarantee amazing settlements, and explain that they can get lenders to disappear once they demand copies of the loan documents.

All of these companies make big promises but offer little in the way of actionable information. Ever wonder why?

The answer is simple – the less you know, the more reliant you are on these companies and the fewer questions you’ll ask. This makes it easier for them to get you to spend thousands of dollars for services you can perform on your own at no cost.

Some High-Profile Busts

September 2018: New York announces lawsuits filed against Debt Resolve Inc, Hutton Ventures LLC, and Equitable Acceptance for charging student loan borrowers $1,000 or more for student loan debt relief services they shouldn’t have paid for.

June 2018: Florida files a lawsuit against Integrity Group US Inc., OnlineStudentLoan.org Inc., StudentsLoanServices.org Inc. and Thomas H. Rohan, claiming they scammed public-sector workers in Palm Beach County by charging fees of $199 to $999 by falsely promising to help borrowers qualify for student-loan forgiveness.

March 2018: FTC announces a lawsuit against American Financial Benefits Center (AFBC), Financial Education Benefits Center (FEBC), AmeriTech Financial, and Brandon Demond Frere as part of its crackdown against unlawful student loan debt relief practices, Operation Game of Loans.

May 2016: FTC and the State of Florida sue two student loan debt relief schemes — Consumer Assistance Project and Student Aid Center.

February 2016: FTC sues Good EBusiness, using the names Student Loan Help Direct and Select Student Loan; Select Student Loan Help LLC; Select Document Preparation Inc.; and Tobias West and his wife, Komal West, for illegally charging an advance fee of $500 to $800 for student loan relief services including promises to renegotiate, settle or alter payment terms on their student loan debt, and remove tax liens and wage garnishments.

SEND A TEXT MESSAGE

Text (888) 421-3540 and I’ll answer – simple as that. It’s fastest way of reaching me.

CALL THE OFFICE

(866) 787-8078

The office is open Monday through Friday from 9:00 am to 5:00 pm and closed on all federal holidays.

SCHEDULE ONLINE

No more phone tag! Let’s get started on a solution to your student loan problems.

EMAIL ME

jay@moneywiselaw.com

I respond to email within 24 hours, but don’t check or reply to messages during weekends and evenings.

SHAEV & FLEISCHMAN, P.C.

228 Park Av S #47620
New York NY 10003

8205 Santa Monica Blvd #47620
Los Angeles CA 90069