Jay was thorough, knowledgeable, and immensely helpful. I feel the consultation fee was well worth my peace of mind.

CarrieBeth Clark

I can see light at the end of the tunnel!

Krysia Kelly

Very professional and helpful. Took the time to explain information.

Marlen Lopez

Appointment Policies

How I Conduct Appointments: All appointments are conducted by Zoom. Meetings are recorded, and you’ll be given access to the recording after completing the appointment. You may also choose to have your appointment by phone.

Appointment Fee: You must pay your appointment fee at least 24 hours before the meeting (if your appointment is scheduled for Monday, payment is due by the preceding Friday). You will receive an invoice by email once your appointment is scheduled, and you can pay using a credit card, debit card, or your bank account information.

Cancellation, Rescheduling, and No-Show Policy: If your appointment is canceled or rescheduled more than 24 hours in advance, you will receive a credit for the full fee paid. Otherwise, you will be charged the full appointment fee. You will also be billed the full appointment fee if you do not join the meeting within 10 minutes of your scheduled start time.

Refund Policy: If you cancel or reschedule your appointment more than 24 hours in advance, you will receive a credit for the full fee paid. We do not refund appointment fees once they have been paid. Credits are transferable for 30 days from the date of the originally scheduled appointment.

We work with student loan borrowers nationwide. We represent people in state, federal, and bankruptcy court cases only in California and New York. If you live outside of California or New York, we cannot represent you in a court case and cannot provide legal advice or guidance on state law.

Answers to Your Questions

I’m happy to answer your questions about the way I work so you can make an informed and confident decision. Here are some of our frequently asked questions for your reference.

Lots of lawyers provide a free consultation. You get just enough information to convince you they know what they’re doing, then they quote a fee and rush you out the door. Don’t expect any advice, guidance, or answers.

You can also get a free consultation from a student loan counseling company. These are the same places that were selling mortgage modifications a few years ago, and debt settlement before that. Now they’re charging $1,500 or more just to fill out forms you can do on your own for free.

They’re not licensed, not regulated, and sometimes not even in this country. The federal government tries to shut them down, but they pop up with another name.

If you’re not getting any advice, guidance, or answers, then there’s no value in that free consultation.

We do things differently around here.  When you make an appointment, you’re talking to me, Jay Fleischman. I’ve been a lawyer for over 29 years, and I’ve helped more than 3,500 student loan borrowers get their debt under control, enabling them to live happier lives.

When we talk, I’ll do a full analysis of your situation. I’ll walk you through all your options and explain everything to you. If there’s a form or application, I’ll give it to you with instructions on how to submit it. You’ll even receive a recording of the call, allowing you to listen to it again.

Most people don’t need to hire me to do anything after the appointment because of all the value they get. If you do need my help, I’ll credit the appointment fee back to you.

Consider how much it will cost you to continue doing nothing. You’re looking for reliable advice on how to solve a problem. You can either get the answers you need to gain clarity, or you can keep on doing nothing.

There are some lawyers who are willing to give you a free consultation, but can you really afford to waste time looking for someone with the knowledge and experience it takes to make your problem go away?

Every day you spend without a solution to your problem costs you money. Your credit gets worse, the balances increase, and you run a greater risk of judgments and wage garnishments. Your stress level goes through the roof, and that negatively impacts your health in the long run.

If you want to improve your situation, get peace of mind and take control over your financial well-being, I can help you.

I’ve been helping people with student loans and other debt problems for 29 years. You name the situation, I’ve dealt with it more often than most other attorneys. The value you’ll get from our time together is far greater than the cost of the appointment.

Don’t trust me – trust the other people who have worked with me. Read what my clients have said about me on Avvo and Yelp.

Don’t trust me – listen to what I have to say. You can check out The Student Loan Show, my podcast where I give out
more free information than anyone else.

My record speaks for itself. I’ve been practicing law since 1995, and have always represented people with bill problems. Over the past 23 years, I’ve helped over 3,500 individuals and families climb out of debt improve their financial lives. In the cases of Torres v. Chase Bank USA, NA, Russell v. Chase Bank USA, NA and Gilyard-McKenzie v. HSBC Bank USA, NA, I fought some of the largest financial institutions in the world and established that people have the right to an accurate credit report after bankruptcy.

From 2012 until 2018, I co-founded and helped run the Student Loan Law Workshop, the most comprehensive training grounds for attorneys who want to learn the field of student loan law. I’ve also spoken at: Central District of California Bankruptcy Attorneys Association;  Max Gardner’s Bankruptcy Boot Camp; Chapter 11 Bankruptcy Boot Camp; Federal Bar Association; King County Bar Association; Oklahoma Bar Association; National Association of Consumer Bankruptcy Attorneys; National Association of Consumer Advocates; Maryland Institute of Continuing Professional Education for Lawyers; and the New York City Bar Association.

I help people nationwide with federal student loan issues. I work with people in California and New York on other types of debt issues, including representation in state, federal, or bankruptcy court.

If your problem falls into one of these categories, I can provide you with the advice you need. If not, we probably aren’t going to be a good match for one another.

Note sure? Send me a message with the details of your situation, and I’ll let you know before you commit to spending any money.

All of our sessions are recorded, and I’ll send the audio to you after the session so you can review it later on.

My firm is 100% online, so you can say I’m everywhere. Most of my work is done by phone and video conference. We have meeting space in Los Angeles and New York City, and I split my time between both places depending on court appearances and client needs.

My staff is distributed across the country, which means I can hire the best people, not just those who happen to live close enough to commute to an office in a particular location.

Clients like the convenience of not having to take time away from work and family obligations to meet with me.

I enjoy the chance to spend more time with my family. I can walk the dogs, have lunch with my wife, attend school functions, and spend time with my son. I wouldn’t trade that for anything.

We offer full-service representation as well as hourly and retainer-based advisory services. Our initial meeting provides an opportunity for us to get to know one another. I’ll gather the details about your situation, review your goals, and provide recommendations to help you achieve the best possible outcome. We’ll also discuss how we can work together.

For many people, an initial meeting with me is all they need to get on track. Others decide to work with me on a long-term basis, either in an advisory role or as their attorney in a court case. We also offer the option to become a member of our online community, providing access to our videos, guidebooks, and how-to roadmaps.

Still Not Sure? Get In Touch By Email!