Michelle Labayen has been practicing Consumer and Bankruptcy law for more than 16 years. She is a member of the National Association of Consumer Bankruptcy Attorneys (NACBA), and the National Association of Consumer Attorneys ( NACA). In addition, she is a Max Gardner Bootcamp graduate.
Extensive experience has given Michelle a thorough understanding of bankruptcy, including:
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, New Jersey, and now Florida. 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).
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.”
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.
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. And, now, she has also opened up her practice to the state of Florida.
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.
Live More with Rae is a talk show featuring Rae Brown discussing various social issues. In this episode, Michelle gives a well-spoken breakdown of the facts and figures surrounding college loan debt.
As of 2018, student loan debts have climbed to a total of more than $1.5 trillion dollars. As Michelle states, “more than mortgages and credit cards combined.”
Anyone can qualify to file for bankruptcy. There isn’t an exact amount of debt or financial difficulty required. You don’t have to show insolvency or meet a certain standard.
You should always speak with a lawyer before beginning the bankruptcy process to ensure it’s the best option for you. Michelle Labayen is a knowledgeable and experienced bankruptcy attorney with offices in New York, NY, Miami, FL, and Newark, NJ.