I contacted Josh after receiving a notice of garnishment. After doing my initial research, i knew there were ways to deal with it but needed advice of an expert to figure out the best plan of action. Josh was great at answering my questions and explaining the available options. He is very knowledge...able and speaking with him made me feel much more empowered and comfortable with my situation. I think it's important for people to know that they are not alone in this situation, that hundreds of thousands of us are dealing with the same issue, and that there are multiple creative solutions to the problem.

Joshua Cohen provided guidance for student loan debt in default. His expertise was immediately apparent. I had spoken to several other attorneys and he was far and away the most well versed in the topic. His understanding of the options combined with the clear and straight forward way he explained... the recommended path forward made what could have been a very stressful situation a very positive experience. I will be hiring him.

My situation is absolutely a mess at the hands of Sallie Mae/Navient/AES/ASA/et al and according to a mortgage banker, the worst story he's heard in his 20+ years of banking. Servicer ineptness + guarantor ignorance (?) = enter Joshua Cohen to the rescue. With Mr. Cohen's first question, my st...ress level went down, the weight on my shoulders visibly (!) gone. I knew he could help. It only got better from there 1. his pathway toward resolving including several potential avenues and he explained it would take some time to evaluate each one but they existed 2. his enthusiasm for helping me was palpable; he understood the fear, frustration, trepidation (after dealing with student loan-sharks/attorneys before him) and set each one aside; no longer afraid, no longer frustrated; I slept (no dreaming of tornadoes ripping apart my life) 3. his empathy; there was no judgment on why or how I got into the situation I find myself or trying to guilt me into anything, he listened and planned and ultimately, he relieved my stress. I would recommend him day in and day out - I have no doubt this abysmal situation will be resolved with his help.

I have been struggling for YEARS with an old student loan debt. I recently received a Federal offset letter and threats of wage garnishment. I had to face this student loan debt or the collectors were going to ruin my life. Out of desperation, I called Josh Cohen and it changed my life. He explained ...the process to get out of default and worked on the forms with me. He was non judgmental and kind. I now have a payment I can afford. Don;t let your student loans ruin your life. Call him before it is too late. You will be happy you did!