Before getting in contact with Joshua, my student loan debt was snowballing like an avalanche that I felt buried under and saw now way out. Despite being told that after graduating college, I would be easily making a 6 figure salary so could quickly repay my student loans within a couple years, this ...was NOT true! After graduating I was able to get mediocre jobs with equally mediocre and inconsistent pay. While I still managed to pay off $7K of the loan after 4 years of diligently paying, my loan interest quadrupled the initial student loan and I had no reasonable way of paying it off. Here I am 20 years later buried in student loan debt with no limit interest rates. It wasn't until this year I found a job with consistent income and was prepared to find a game plan after the Holidays. But the greedy student loan debt mongers had other plans for me because on Christmas Eve I found out that my wages had been garnished which completely ruined my Christmas and left me feeling defeated and demoralized. After a couple days of sleeping all day, I decided I had to wake up and do something for my daughter's sake so I consulted a local attorney who referred me to the best student loan lawyer in the Universe, Joshua Cohen. After speaking to Joshua, a lot of stress was relieved and I feel like I was Charles Atlas on top of the World because a huge weight had been lifted off of my shoulders. Joshua Cohen acted like a professional the entire phone call, he was respectful, had a pleasant demeanor and was non-judgmental. More importantly, he didn't just offer one solution, he offered many all within my realistic and low budget. He was the opposite of the greedy student loan Grinch who stole my Christmas, he was honorable, trustworthy and understood my livable means who did not try to extort nor take advantage of me financially because of the un-pleasant and dire situation I was in. From start to finish he was an All Star Pro, all the way!

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.

I scheduled this 30 minute phone call several weeks in advance. I was so nervous because I am tired of struggling financially with this loan. And this was my last hope. These loans have taken over my life. I am 59 and can’t even think of retirement. I have parent plus loans and they fall under an inc...ome contingent payment plan which makes a higher monthly payment. Every time it’s due the payment is so high that it’s a struggle until my next paycheck . My interest has accrued so much that it’s impossible to pay the loan off. Attorney Cohen was well prepared, knowledgeable and professional as well as personable. He explained the situation and what the plan is and what to do to move forward so I can live a normal life. I am for that! I will hire him. Thank you again. The consultation alone is definitely worth the money.