When the demanding telephone calls started and we began researching the Internet to determine if the calls for repayment were legitimate, the results didn't look good. "Another ripoff scam artist that thinks they've found easy pickings after my bankruptcy," I said to myself. These old unsecured stude...nt loans from my son received payments from the Chapter 13 and I assumed the debts were discharged. But the phone calls continued and multiplied. "Maybe you should call The StudentLoan Layer," my bankruptcy attorney said. So I did. The results were informative, I didn't get angry, and the consultation gave me a way forward. The bad news: the debts were still valid even though they received payments from the bankruptcy court. The truth: offer them a one time settlement. "Remember, you are in charge of the process," Mr. Cohen said several times. "If the collection agency gets rude, hang up on them." I wrote a letter to the collection agency, along with an initial check to stop the harassing telephone calls. At this point it is unclear whether they will accept my proposed settlement. But Mr. Cohen's consultation was invaluable. I will recommend him to anyone who needs sound advice.

After having the initial meeting with Joshua, I felt very relief and wished that I should talk to him a lot earlier. He is very knowledgeable with the situation that I am in and has answered all my questions clearly. He was also layout all the approaches and game plan in sequential order for me to fo...llow and provide guidance along the way. I would be more than happy to recommend Joshua to anyone who needs help with legal issues in consumer protection and debt. Two thumbs up for Joshua's professionalism. I love you :)

My first 30 minute consultation with Mr. Cohen was packed full of accurate and clear information. He took a look at the best options for the bad situation I foresee coming offering specific advise for dealing with both my private and federal student loans. My main concern was protecting my family a...nd Mr. Cohen answered this topic as well as all questions I had. He was very easy to understand and speak with on such a sensitive subject for myself. Overwhelmed and feeling a bleak future for my life and that of my family I now have a better understanding and a plan to move forward. I would recommend this man to anyone who has student loans regardless of the status as he is well seasoned with knowledge of all options that would best fit the situation one brings to him. Literally I have recommended him to my husband and we both hope to have another consult as soon as possible.