Get Your Questions Answered

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.

Services We Provide

I work with student loan borrowers including students, parents, and cosigners who are in repayment or have run into trouble. Here are some of the services I provide (note that some services are offered only to New York and California residents):

Student Loan Management and Repayment Planning

  • Lower your monthly federal student loan payments
  • Analyze repayment options based on changes in income, financial goals and marital status
  • Review eligibility for Public Service Loan Forgiveness and other programs
  • Assist with consolidation and refinancing

Dispute Resolution

  • Correct credit reporting errors
  • Resolve improper denials of student loan discharge and forgiveness
  • Apply for student loan discharge based on fraud by lenders and schools
  • Resolve student loan repayment disputes and accounting issues

Student Loan Default Resolution

  • Get out of default on your federal student loans
  • Stop harassing phone calls from student loan debt collectors
  • Avoid administrative wage garnishments
  • End tax refund intercepts and Social Security offsets
  • Negotiate student loan settlements

NEW YORK AND CALIFORNIA ONLY: Bankruptcy and Collection Defense

  • Defense of debt collection lawsuits brought by student loan companies
  • Chapter 7 and Chapter 13 bankruptcy cases
  • Student loan bankruptcy discharge cases
  • Vacate erroneous judgments in state court
  • Lawsuits against collectors and creditors for violations of collection laws and consumer protection statutes

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, NARussell 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.

We offer full-service representation as well as hourly and retainer-based advisory services. Our initial meeting gives us the chance to get to know one another. I’ll get the details about your situation, review your goals, and make recommendations to help you get 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 of becoming a member of our online community and accessing our videos, guidebooks and how-to roadmaps.

Appointments

The cost of a Planning Session is $295 for an hour.

If we represent you beyond the Planning Session, fees depend on the work that needs to be done.

A “free consultation” is just a sales pitch. 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. That’s not value – it’s a sales pitch. And it’s not how we do things.

There are tons of student loan counselors. 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 just pop up with another name.

We do things different around here.  When you make an appointment, you’re talking to me – Jay Fleischman. I’ve been a lawyer for over 24 years, and I’ve helped over 3,500 student loan borrowers get their debt under control so they could live a happier life.

I promise to provide you with a massive value during our planning session. You’ll walk away with a roadmap to help you solve your problem and a full understanding of how it all works.

In fact, 72% of all people who do a planning session with me never need to spend another penny with me or any other lawyer.

If you want a free consultation, do that. Then come back to me – you’ll see the difference.

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 24 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.

In 25 years of practice, I’ve come to realize that every problem has a solution.

Some solutions are more obvious than others, but only an experienced professional is going to know all your options.

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 a state, federal or bankruptcy court.

If your problem fits into one of those categories, I can give you 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 we’ll send the audio to you after the session so you can review it later on. If there are any applications or forms you can use, he’ll send you those as well.

We offer full-service representation as well as hourly and retainer-based advisory services. Our Planning Session gives us the chance to get to know one another. I’ll get the details about your situation, review your goals, and make recommendations to help you get 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 of becoming a member of our online community and accessing our videos, guidebooks and how-to roadmaps.

About our Legal Fees

There’s no way of quoting a legal fee before I know what needs to be done. If you have a complicated problem, the fee is going to be higher than it would be for a simple problem. That being said, here are some price ranges to give you an idea:

  • Student Loan Management and Repayment Planning: $500 – $1,000
  • Dispute Resolution: $300 – $400 per month
  • Student Loan Default Resolution: $1,000 – $2,500
  • Student Loan Lawsuit Defense: $200 – $500 per month through settlement or trial
  • Chapter 7 Bankruptcy: $2,500 – $3,500 plus court costs
  • Chapter 13 Bankruptcy: $4,500 – $7,500 plus court costs
  • Discharge of Student Loans in Bankruptcy: $400 – $600 per month through settlement or trial

About the Office

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 around the country, which means I get to hire the best people – not just the ones 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 see every one of my kid’s baseball games. I wouldn’t trade that for anything.

If there’s a court case, I’ll be the one who represents you. The only time a different attorney will appear in court with you is when there is a scheduling conflict requiring me to be in more than one courthouse at the same time.

I represent every one of my clients. I answer my own email, handle my own court appearances (unless there’s a conflict that requires me to be in two places at the same time), and conduct all client meetings.

I do not, however, work alone. I have a full team of skilled professionals working with me to get the work done quickly and effectively. You may speak with some of them if we work together.

This allows you to have the benefits of personal service from a single lawyer without having to worry about my availability for your day-to-day needs.

SEND A TEXT MESSAGE
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Text (323) 924-8857 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
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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