Jay S Fleischman public
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Are you looking for a simpler way to handle your money and build wealth? I have discovered that it doesn’t take a degree in Finance to be debt free and you don’t need to play the credit-score game to be credit-worthy. Since 2007, I have helped people understand how money really works. I teach people how to save, buy things without credit cards, and create rich habits instead of a credit score. Each episode will feature an in-depth discussion about a financial topic or service, we will learn ...
 
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Does the Dept of Education have to provide copies of the Promissory Notes? If not, how can I confirm the debt? What if they don’t have all the pages? You’re entitled to copies of your student loan promissory notes. Still, the Department of Education isn’t the only place to get them. In fact, there are 6 ways to find information about your federal s…
 
If they don’t give you a copy of the note, does the student loan go away? Demanding a copy of the student loan promissory note – is it the newest scam, the oldest trick in the book, or something else entirely? Student loan counselors, negotiators and other so-called “debt relief services” tell you they can wipe out your student loan by demanding pr…
 
Chelsea has a question about her defaulted student loans I was in default and garnishment of wages was put in place. I am now in rehabilitation with an agreement and making payments. I requested hardship to end garnishment, filed the paperwork for it and was told it would take 30-60 days for hardship decision. It is now day 90+ with no decision and…
 
In the world of student loans, a lot can happen in a very short period of time. In the past 1,022 days we’ve seen a new President and Secretary of Education who seem intent on dismantling student loan protections as quickly as possible. Colleges have failed. Regulations have been put on hold, reinstated by court order, and subsequently ignored. A P…
 
Welcome to the new season of the show! This episode was recorded live at FinCon 18 with Joshua R.I. Cohen, a fellow student loan lawyer. .fusion-widget-area-1 {padding:0px 0px 0px 0px;}.fusion-widget-area-1 .widget h4 {color:#2775b4;}.fusion-widget-area-1 .widget .heading h4 {color:#2775b4;}.fusion-widget-area-1 .widget h4 {font-size:38px;}.fusion-…
 
Can you be arrested for not paying student loans? No, not directly. However, not paying student loans can have far-worse implications than not paying credit cards or your mother-in-law. Jay Fleischman, a lawyer who concentrates on Consumer Protection, brings us the 5 reasons you should never default on your student loans. GAMIFY THIS EPISODE The in…
 
Debt free people: Have no fear. You can prove you are creditworthy without a FICO score with eCredable. Steve Ely joins us to share how the credit scoring landscape is changing. Not only are more lenders leaving the traditional credit score algorithm behind but they are finding more consumers are creditworthy without it! eCredable is a service that…
 
When I say “No Debt, No Credit, No Problems”, what do you think about? NO DEBT – YEAH! I could go for that. NO CREDIT – Whaaaaaaa? You gotta have credit! NO PROBLEMS – Wait, what kind of riddle is this? Well, the times – they are a-changin’. You do NOT need to focus on your credit to be successful or to even qualify for a mortgage. In fact, the tra…
 
If you could design a budget program for yourself, what would it need? The flexibility to adjust with variable spending or an irregular income Force me to save for emergencies, home improvements, and a new car Automatically insert transaction information automatically based on the store I was in Eliminate the need to spend 30 minutes balancing my c…
 
Many of us fear being unprepared for retirement – and that’s because we don’t have our number. What is “our number”? My guest today is Chris Hogan, financial ROCK STAR and Dave Ramsey personality, shares how to find your number by taking the RIQ: Retire Inspired Quotient Connect with Chris on Twitter, Instagram, or his website: Retire Inspired: It’…
 
Recent studies that have linked credit scores to one’s ability to drive and to the chances of having a heart attack. The Today show featured a study that showed credit scores can predict if a relationship will last. Can this be true? My guest, Professional Counselor Brian Lindner from MakeSomeWonderful.com, answers this question and gives great tip…
 
Do you think it is possible that you could adjust your lifestyle enough to save 50% of what you made? What if I told you that you could do it and NOT live in a van by the river? It sounds crazy, impossible, OUTLANDISH – but there people doing this and they aren’t members of the 1%. Today’s guest, Joe Saul-Sehy from StackingBenjamins.com, shares Top…
 
What do you think of when I say “Rich”? Are you thinking of your friend Richard? Maybe your mind wandered to the image of sticking your finger into a container of thick, creamy chocolate icing? Chances are, since you are listening to a show about personal finances, you are thinking about money. LOTS of money. So let me ask you another question: If …
 
Today we introduce tax expert, Andy Magnus. Andy is an ex-IRS Agent and trained other IRS agents before moving on to better things as a CPA. Andy is going to use his incredible talent of explaining complex topics while bringing a bit of humor to the table as well. Andy explains the training and qualifications it takes to become an Enrolled Agent wi…
 
Can we be honest here? You are listening to a show about personal finances. Why? I can promise you it isn’t because of the humor or my good looks. You are here because you want to do this “money thing” better – and I’m right there with you! I want you to learn what it has taken me a decade to realize: That you can live with “No Debt, No Credit, and…
 
October is ADHD Awareness Month and the 2016 theme is “Knowing is Better.” So we’re going to talk about knowing the best way to keep your student loans under control using accommodations to maximize your chances for success. ADHD is a brain syndrome that has impairs the functioning of what are called “executive functioning skills.” Those include at…
 
Kiarra has three student loans – one is private and two are federal. She’s had the loans for nearly a decade and, though she started making payments, she went into default because her income didn’t cover the payments. She filed for bankruptcy and now she’s got to start making payments on the loans again. She began her federal student loan consolida…
 
Jay Fleischman is joined by Adam Minsky, a fellow student loan lawyer based in Boston. During this episode, recorded live at FinCon16 in San Diego, we talk about: Why only 40% of federal student loan borrowers are in an active repayment plan; The reason why most people student loan borrowers rely on forbearance rather than repayment through one of …
 
Our next new show will be released on July 12, 2016. To keep things moving, I’ll be highlighting some of the interviews I’ve done on other podcasts. It’s a way of introducing you to different shows from other interesting and smart folks – I hope you enjoy the change of pace. For today, I present to you The His & Her Money Show with Talaat and Tai M…
 
What do you do when you’re 3 years into income-based repayment and realize there might be a better way to pay off your student loan debts? Most people would jump at it, but that wouldn’t be the best move. Especially when it comes to Revised Pay-As-You-Earn, the federal government’s newest income-dependent repayment plan for Direct Loans. Revised Pa…
 
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