Central District Consumer Bankruptcy Attorney's Association

Sure, sounds fun. Get in touch with me offlist and we'll work out the
particulars.
Jay S. Fleischman, Esq.
Shaev & Fleischman, LLP
I help people get smart solutions to their bill problems.
http://www.ConsumerHelpCentral.com
556 S Fair Oaks Ave Ste 101-152
Pasadena CA 91105-2656
T: 626-808-4343 x704
E: jay@sflawca.com
Email isn't secure, so it's not confidential. By communicating with me by
email, you understand that it's not confidential.
On Thu, Mar 21, 2013 at 9:58 AM, Dennis wrote:
> **
>
>
> Well why don't you volunteer to do a cle for cdcbaa?
>
> Sent from my iPhone
>
> On Feb 5, 2013, at 10:33 PM, "Jay S. Fleischman"
> wrote:
>
>
>
> Dennis, the William D. Ford Program is an absolute joke and a mess.
> Servicers don't understand all the options available to borrowers, nor do
> they explain the options they do understand. It's one of the major reasons
> why I've been focusing so heavily on student loan work for consumers.
>
> Federal student loans don't need dischargeability - the existing
> regulations work exceptionally well for those who negotiate the waters.
> Private loans, on the other hand - those should be treated the same way as
> any other unsecured, nonpriority consumer debt.
>
> -------------
> Jay S. Fleischman, Esq.
> Shaev & Fleischman, LLP
>
> I help people in the Los Angeles area and New York City get smart
> solutions to their bill problems.
>
> http://www.ConsumerHelpCentral.com
>
> 556 S Fair Oaks Ave Ste 101-152
> Pasadena CA 91105-2656
>
> 350 Fifth Avenue, Suite 7210
> New York NY 10118
>
> T: 626-808-4343 x704
> E: jay@sflawca.com
>
> Email isn't secure, so it's not confidential. By communicating with me by
> email, you understand that it's not confidential.
>
>
> On Feb 5, 2013, at 9:44 PM, Dennis McG cdcbaamailbox@gmail.com> wrote:
>
>
>
> We have been advising people to use the Ford program for years. The bad
> part is, as the client gets older, and starts making more money, the gov't
> will take a larger payment. I really do not understand these programs that
> have a disincentive for doing well later in life. This new 25 year program
> doesn't look that different. The client is in jail for 25 years. We need
> to go back to dischargeable student loans.
>
> d
>
> On Tue, Feb 5, 2013 at 9:08 PM, Jay S. Fleischman bankruptcy@gmail.com> wrote:
>
>> **
>>
>>
>> Client has federal student loans in default. Balance of those loans,
>> which have been consolidated prior to default, is $265,000.
>>
>> Client's got an administrative wage garnishment and tax offset in place.
>> He makes $40,000 per year and he's barely getting by.
>>
>> Today we got DOE to accept payments of $283 per month for 9 months to
>> rehab the loan. At the end of the 9 months, they will remove approximately
>> $45,000 in fees and penalties They will also make the changes to the
>> client's credit report that show that he is in good standing. In addition,
>> garnishment and tax offset will be removed - they are both stayed during
>> the rehab period.
>>
>> After the 9 months, the client will owe approximately $213,000.00.
>>
>> We will be able to get the client into an income-dependent repayment plan
>> of about $220 per month for 25 years. At the end of the 25 year period, the
>> remaining balance of the loans will be forgiven permanently.
>>
>> It was a very, very good day today.
>>
>> -------------
>> Jay S. Fleischman, Esq.
>> Shaev & Fleischman, LLP
>>
>> I help people in the Los Angeles area and New York City get smart
>> solutions to their bill problems.
>>
>> http://www.ConsumerHelpCentral.com
>>
>> 556 S Fair Oaks Ave Ste 101-152
>> Pasadena CA 91105-2656
>>
>> 350 Fifth Avenue, Suite 7210
>> New York NY 10118
>>
>> T: 626-808-4343 x704
>> E: jay@sflawca.com
>>
>> Email isn't secure, so it's not confidential. By communicating with me by
>> email, you understand that it's not confidential.
>>
>
>
>
>
>
Sure, sounds fun. Get in touch with me offlist and we'll work out the particulars.
-------------
Jay S. Fleischman, Esq.
Shaev & Fleischman, LLP
I help people get smart solutions to their bill problems.
http://www.ConsumerHelpCentral.com
556 S Fair Oaks Ave Ste 101-152
Pasadena CA 91105-2656
T: 626-808-4343 x704
E: jay@sflawca.com

The post was migrated from Yahoo.

Well why don't you volunteer to do a cle for cdcbaa?
Sent from my iPhone
On Feb 5, 2013, at 10:33 PM, "Jay S. Fleischman" wrote:
> Dennis, the William D. Ford Program is an absolute joke and a mess. Servicers don't understand all the options available to borrowers, nor do they explain the options they do understand. It's one of the major reasons why I've been focusing so heavily on student loan work for consumers.
>
>
> Federal student loans don't need dischargeability - the existing regulations work exceptionally well for those who negotiate the waters. Private loans, on the other hand - those should be treated the same way as any other unsecured, nonpriority consumer debt.
>
> -------------
> Jay S. Fleischman, Esq.
> Shaev & Fleischman, LLP
>
> I help people in the Los Angeles area and New York City get smart solutions to their bill problems.
>
> http://www.ConsumerHelpCentral.com
>
> 556 S Fair Oaks Ave Ste 101-152
> Pasadena CA 91105-2656
>
> 350 Fifth Avenue, Suite 7210
> New York NY 10118
>
> T: 626-808-4343 x704
> E: jay@sflawca.com
>
> Email isn't secure, so it's not confidential. By communicating with me by email, you understand that it's not confidential.
>
>
> On Feb 5, 2013, at 9:44 PM, Dennis McG wrote:
>
>>
>> We have been advising people to use the Ford program for years. The bad part is, as the client gets older, and starts making more money, the gov't will take a larger payment. I really do not understand these programs that have a disincentive for doing well later in life. This new 25 year program doesn't look that different. The client is in jail for 25 years. We need to go back to dischargeable student loans.
>>
>>
>> d
>>
>> On Tue, Feb 5, 2013 at 9:08 PM, Jay S. Fleischman wrote:
>>
>> Client has federal student loans in default. Balance of those loans, which have been consolidated prior to default, is $265,000.
>>
>> Client's got an administrative wage garnishment and tax offset in place. He makes $40,000 per year and he's barely getting by.
>>
>> Today we got DOE to accept payments of $283 per month for 9 months to rehab the loan. At the end of the 9 months, they will remove approximately $45,000 in fees and penalties They will also make the changes to the client's credit report that show that he is in good standing. In addition, garnishment and tax offset will be removed - they are both stayed during the rehab period.
>>
>> After the 9 months, the client will owe approximately $213,000.00.
>>
>> We will be able to get the client into an income-dependent repayment plan of about $220 per month for 25 years. At the end of the 25 year period, the remaining balance of the loans will be forgiven permanently.
>>
>> It was a very, very good day today.
>>
>> -------------
>> Jay S. Fleischman, Esq.
>> Shaev & Fleischman, LLP
>>
>> I help people in the Los Angeles area and New York City get smart solutions to their bill problems.
>>
>> http://www.ConsumerHelpCentral.com
>>
>> 556 S Fair Oaks Ave Ste 101-152
>> Pasadena CA 91105-2656
>>
>> 350 Fifth Avenue, Suite 7210
>> New York NY 10118
>>
>> T: 626-808-4343 x704
>> E: jay@sflawca.com
>>
>> Email isn't secure, so it's not confidential. By communicating with me by email, you understand that it's not confidential.
>>
>>
>>
>
>
Well why don't you volunteer to do a cle for cdcbaa?Sent from my iPhoneOn Feb 5, 2013, at 10:33 PM, "Jay S. Fleischman" <bankruptcy@gmail.com> wrote:
The post was migrated from Yahoo.

Congratulations and well done!
*************************
Mark J. Markus
Law Office of Mark J. Markus
11684 Ventura Blvd. PMB #403
Studio City, CA 91604-2652
(818)509-1173 (818)509-1460 (fax)
web: http://www.bklaw.com/
Certified Bankruptcy Law Specialist--The State Bar of California
Board of Legal Specialization
This Firm is a Qualified Federal Debt Relief Agency (see what this
means at

The post was migrated from Yahoo.

charsetndows-1252
Dennis, the William D. Ford Program is an absolute joke and a mess. Servicers don't understand all the options available to borrowers, nor do they explain the options they do understand. It's one of the major reasons why I've been focusing so heavily on student loan work for consumers.
Federal student loans don't need dischargeability - the existing regulations work exceptionally well for those who negotiate the waters. Private loans, on the other hand - those should be treated the same way as any other unsecured, nonpriority consumer debt.
Jay S. Fleischman, Esq.
Shaev & Fleischman, LLP
I help people in the Los Angeles area and New York City get smart solutions to their bill problems.
http://www.ConsumerHelpCentral.com
556 S Fair Oaks Ave Ste 101-152
Pasadena CA 91105-2656
350 Fifth Avenue, Suite 7210
New York NY 10118
T: 626-808-4343 x704
E: jay@sflawca.com
Email isn't secure, so it's not confidential. By communicating with me by email, you understand that it's not confidential.
On Feb 5, 2013, at 9:44 PM, Dennis McG wrote:
> We have been advising people to use the Ford program for years. The bad part is, as the client gets older, and starts making more money, the gov't will take a larger payment. I really do not understand these programs that have a disincentive for doing well later in life. This new 25 year program doesn't look that different. The client is in jail for 25 years. We need to go back to dischargeable student loans.
>
>
> d
>
> On Tue, Feb 5, 2013 at 9:08 PM, Jay S. Fleischman wrote:
>
> Client has federal student loans in default. Balance of those loans, which have been consolidated prior to default, is $265,000.
>
> Client's got an administrative wage garnishment and tax offset in place. He makes $40,000 per year and he's barely getting by.
>
> Today we got DOE to accept payments of $283 per month for 9 months to rehab the loan. At the end of the 9 months, they will remove approximately $45,000 in fees and penalties They will also make the changes to the client's credit report that show that he is in good standing. In addition, garnishment and tax offset will be removed - they are both stayed during the rehab period.
>
> After the 9 months, the client will owe approximately $213,000.00.
>
> We will be able to get the client into an income-dependent repayment plan of about $220 per month for 25 years. At the end of the 25 year period, the remaining balance of the loans will be forgiven permanently.
>
> It was a very, very good day today.
>
> -------------
> Jay S. Fleischman, Esq.
> Shaev & Fleischman, LLP
>
> I help people in the Los Angeles area and New York City get smart solutions to their bill problems.
>
> http://www.ConsumerHelpCentral.com
>
> 556 S Fair Oaks Ave Ste 101-152
> Pasadena CA 91105-2656
>
> 350 Fifth Avenue, Suite 7210
> New York NY 10118
>
> T: 626-808-4343 x704
> E: jay@sflawca.com
>
> Email isn't secure, so it's not confidential. By communicating with me by email, you understand that it's not confidential.
>
>
>
>
charsetndows-1252
Dennis, the William D. Ford Program is an absolute joke and a mess. Servicers don't understand all the options available to borrowers, nor do they explain the options they do understand. It's one of the major reasons why I've been focusing so heavily on student loan work for consumers.Federal student loans don't need dischargeability - the existing regulations work exceptionally well for those who negotiate the waters. Private loans, on the other hand - those should be treated the same way as any other unsecured, nonpriority consumer debt.-------LLPI help people in the Los Angeles area and New York City get smart solutions to their bill problems.http://www.ConsumerHelpCentral.com556 S Fair Oaks Ave Ste 101-152Pasadena CA 91105-2656350 Fifth Avenue, Suite 7210New York NY 10118T: 626-808-4343 x704E: jay@sflawca.comEmail isn't secure, so it's not confidential. By communicating with me by email, you understand that it's not confidential.On Feb 5, 2013, at 9:44 PM, Dennis McG <cdcbaamailbox@gmail.com> wrote:

We have been advising people to use the Ford program for years. The bad part is, as the client gets older, and starts making more money, the gov't will take a larger payment. I really do not understand these programs that have a disincentive for doing well later in life. This new 25 year program doesn't look that different. The client is in jail for 25 years. We need to go back to dischargeable student loans.
dOn Tue, Feb 5, 2013 at 9:08 PM, Jay S. Fleischman <bankruptcy@gmail.com> wrote:

Client has federal student loans in default. Balance of those loans, which have been consolidated prior to default, is $265,000.
Client's got an administrative wage garnishment and tax offset in place. He makes $40,000 per year and he's barely getting by.
Today we got DOE to accept payments of $283 per month for 9 months to rehab the loan. At the end of the 9 months, they will remove approximately $45,000 in fees and penalties They will also make the changes to the client's credit report that show that he is in good standing. In addition, garnishment and tax offset will be removed - they are both stayed during the rehab period.
After the 9 months, the client will owe approximately $213,000.00.
We will be able to get the client into an income-dependent repayment plan of about $220 per month for 25 years. At the end of the 25 year period, the remaining balance of the loans will be forgiven permanently.
It was a very, very good day today.
Jay S. Fleischman, Esq.
Shaev & Fleischman, LLP
I help people in the Los Angeles area and New York City get smart solutions to their bill problems.
http://www.ConsumerHelpCentral.com
556 S Fair Oaks Ave Ste 101-152
Pasadena CA 91105-2656
350 Fifth Avenue, Suite 7210
New York NY 10118
T: 626-808-4343 x704
E: jay@sflawca.com
Email isn't secure, so it's not confidential. By communicating with me by email, you understand that it's not confidential.

The post was migrated from Yahoo.

We have been advising people to use the Ford program for years. The bad
part is, as the client gets older, and starts making more money, the gov't
will take a larger payment. I really do not understand these programs that
have a disincentive for doing well later in life. This new 25 year program
doesn't look that different. The client is in jail for 25 years. We need
to go back to dischargeable student loans.
d
On Tue, Feb 5, 2013 at 9:08 PM, Jay S. Fleischman wrote:
> **
>
>
> Client has federal student loans in default. Balance of those loans, which
> have been consolidated prior to default, is $265,000.
>
> Client's got an administrative wage garnishment and tax offset in place.
> He makes $40,000 per year and he's barely getting by.
>
> Today we got DOE to accept payments of $283 per month for 9 months to
> rehab the loan. At the end of the 9 months, they will remove approximately
> $45,000 in fees and penalties They will also make the changes to the
> client's credit report that show that he is in good standing. In addition,
> garnishment and tax offset will be removed - they are both stayed during
> the rehab period.
>
> After the 9 months, the client will owe approximately $213,000.00.
>
> We will be able to get the client into an income-dependent repayment plan
> of about $220 per month for 25 years. At the end of the 25 year period, the
> remaining balance of the loans will be forgiven permanently.
>
> It was a very, very good day today.
>
> -------------
> Jay S. Fleischman, Esq.
> Shaev & Fleischman, LLP
>
> I help people in the Los Angeles area and New York City get smart
> solutions to their bill problems.
>
> http://www.ConsumerHelpCentral.com
>
> 556 S Fair Oaks Ave Ste 101-152
> Pasadena CA 91105-2656
>
> 350 Fifth Avenue, Suite 7210
> New York NY 10118
>
> T: 626-808-4343 x704
> E: jay@sflawca.com
>
> Email isn't secure, so it's not confidential. By communicating with me by
> email, you understand that it's not confidential.
>
>
We have been advising people to use the Ford program for years. The bad part is, as the client gets older, and starts making more money, the gov't will take a larger payment. I really do not understand these programs that have a disincentive for doing well later in life. This new 25 year program doesn't look that different. The client is in jail for 25 years. We need to go back to dischargeable student loans.
dOn Tue, Feb 5, 2013 at 9:08 PM, Jay S. Fleischman <bankruptcy@gmail.com> wrote:
Client has federal student loans in default. Balance of those loans, which have been consolidated prior to default, is $265,000.
Client's got an administrative wage garnishment and tax offset in place. He makes $40,000 per year and he's barely getting by.
Today we got DOE to accept payments of $283 per month for 9 months to rehab the loan. At the end of the 9 months, they will remove approximately $45,000 in fees and penalties They will also make the changes to the client's credit report that show that he is in good standing. In addition, garnishment and tax offset will be removed - they are both stayed during the rehab period.
After the 9 months, the client will owe approximately $213,000.00.
We will be able to get the client into an income-dependent repayment plan of about $220 per month for 25 years. At the end of the 25 year period, the remaining balance of the loans will be forgiven permanently.
It was a very, very good day today.
Jay S. Fleischman, Esq.
Shaev & Fleischman, LLP
I help people in the Los Angeles area and New York City get smart solutions to their bill problems.
http://www.ConsumerHelpCentral.com
556 S Fair Oaks Ave Ste 101-152
Pasadena CA 91105-2656
350 Fifth Avenue, Suite 7210
New York NY 10118
T: 626-808-4343 x704
E: jay@sflawca.com

The post was migrated from Yahoo.