We are excited to announce that the Law Office of Michelle Labayen now offers contactless bankruptcy. Michelle Labayen has been practicing Consumer and Bankruptcy law for more than 17 years. She is a member of the National Association of Consumer Bankruptcy Attorneys (NACBA), and the National Association of Consumer Advocates (NACA). In addition, she is a Max Gardner Bootcamp graduate. Extensive e
xperience has given Michelle a thorough understanding of bankruptcy, including:
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Student Loan Debt
Foreclosures
Adversary Proceedings
Litigation under the Fair Credit Reporting Act
Litigation under the Fair Debt Collection Practice Act
Experience working for National Banks has enabled Michelle to have a thorough understanding of the legal practices of credit card companies and foreclosure firms. She has represented bankruptcy clients who were selling their properties under Section 363, and provided legal assistance in commercial property sales. Michelle is licensed to practice in New York and New Jersey. Her reputation precedes her as an aggressive advocate pursuing debtor's rights in regards to the Automatic stay of the Bankruptcy Court and the Fair Debt Collection Practice Act (FDCPA) and Fair Credit Reporting Act ( FCRA). Highlights of Michelle's career include representing clients at the Legal Aid Society, and acting as Lead Litigator in the State of New Jersey representing a National Creditor Law firm. Michelle graduated from Columbia University in 1999 and New York Law School in 2003. She is a member in good standing in the New York Bar Association, admitted to practice in the Eastern And Southern District Of New York and throughout New Jersey. The Law Offices of Michelle Labayen, PC are active in both social and political activism. The firm commits to pro bono assistance through New Jersey Law Volunteers and the Wounded Warrior Project. Michelle also advocates for Student Loan Reform. She is the author of Where Student Loan Debt is Heading By 2021, an article about the potential consequences of ongoing student debt problems. Michelle Labayen is a pioneer in student loan advocacy and provides settlements, reduction, and modification of student loans. She believes that banks have committed, and continue to commit, fraud against the American people. This fraud is perpetrated by the use of predatory loans, robo-signed documents to support foreclosures, and hiding behind securitized documents to obfuscate and confuse their victims. Thomas Jefferson said it best:
"If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children wake up homeless on the continent their Fathers conquered. I believe that banking institutions are more dangerous to our liberties than standing armies. The issuing power should be taken from the banks and restored to the people, to whom it properly belongs." Michelle Labayen isn't just a Bankruptcy Attorney. She's a well-known subject-matter-expert on the issue. She has appeared on The Stephanie O Show and Live More with Rae. See the clips below to learn more about bankruptcy and the student loan debt crisis. Bankruptcy Subject Matter Expert on "The Stephanie O Show"
Michelle appeared on The Stephanie O Show to discuss the Housewives of New Jersey stars Joe and Teresa Guidice's bankruptcy. The Guidice's were forced to file bankruptcy after spending far more money than they could afford during their time on the Bravo TV show. Watch as Michelle discusses the issues and provides insight into the bankruptcy of the television stars on her YouTube Channel at https://www.youtube.com/watch?v=jx3c1DK6nyQ. She has also appeared on Live More with Rae to discuss the challenges facing Americans with student loan debt. See more at https://www.youtube.com/watch?v=R87MhnNlXg0&t=1s.
