student loan attorney jay fleischman

Hi, I’m Jay Fleischman – the Managing Attorney. Here are some things you should know about me.

I’ve been representing people with bill problems since 1995.

If you’re struggling with debts – whether they’re due to credit cards, student loans, mortgages, medical bills, or other financial obligations – you know how hard it is to get reliable help to solve your problems.

Student loan servicers, the U.S. Department of Education, and collectors 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 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, it’s easy to feel trapped and confused.

The system is set up to make you fail and to keep you from living a rewarding and meaningful life. I’m here to help you fight back and protect your rights.

My Track Record

I’ve been a lawyer for over 25 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 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.

Please 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 say about me, and spend some time here. If you feel good about things, reach out for an appointment.

The Details


  • Binghamton University, B.A., Economics (1991)

  • Buffalo Law School, J.D., cum laude (1994)

Admitted to Practice Law

  • New York (1995) [click to verify]

  • California (2012) [click to verify]

  • U.S. Supreme Court (2002)

  • U.S. District Court, S.D.N.Y. (1995)

  • U.S. District Court, E.D.N.Y. (1995)

  • U.S. District Court, C.D.C.A. (2012)

  • U.S. District Court, N.D.C.A. (2012)

Reported Decisions

Academic Publication

  • Swimming the Murky Waters: The Second Circuit and Subject-Matter Jurisdiction in Copyright Infringement Cases, 42 Buff.L.Rev. 119 (1994)

My Promise to You

My promise is simple – I’ll help you understand all your options when it comes to your debts. I’ll put the power in your hands by giving you a step-by-step roadmap to solving your problem. You’ll always be fully informed, and I’ll do my very best work for you.

Here’s what some clients have said about the work I do.

Schedule Your Appointment