I am writing to inform you that the Skool community has officially been closed. Your membership has been cancelled, and no further charges will be processed. I have also sent you a separate email outlining the next steps and any important details moving forward. Please review that email carefully. If you have any questions, you may reply directly to that message. Thank you for your time and participation.

I have posted the second bureaus in Step 1.

Hello Everyone, Our next zoom meeting will be Sunday at 8:30pm. Janay Baker is inviting you to a scheduled Zoom meeting. Topic: JSM Credit Academy's Zoom Meeting Time: Jan 11, 2026 08:30 PM Eastern Time (US and Canada) Join Zoom Meeting https://us02web.zoom.us/j/3890771831?pwd=UjZ3UXpjcVRPd0VocTlTZ1NPSVBBdz09&omn=81233756024 Meeting ID: 389 077 1831 Passcode: Gz9LR0 --- One tap mobile +13052241968,,3890771831#,,,,*236014# US +13092053325,,3890771831#,,,,*236014# US Join instructions https://us02web.zoom.us/meetings/81233756024/invitations?signature=SgMvLdrGPYv_MvmtRYt-KrkqzSfcLx0Q6zAESkz9dC0

Goodmorning, doing the zoom you stated for evictions we have to send letters to 2 different places the debtor and the CFPB I believe. I don't see the address to CFPB. Can you point me in the right direction please

The federal government is resuming wage garnishment for student loans in default starting in January 2026. This is the first time this tool has been used since the pandemic-era pause ended. 🧾 Key points: • Notices will begin the week of Jan. 7 to borrowers who are in default (typically 270+ days past due). • Once notified, borrowers have at least 30 days before wage garnishment begins. • Under federal law the government can withhold up to 15% of your after-tax income to repay the debt. • It’s not automatic garnishment — you get notice and a chance to respond. 📊 Who this affects: • Borrowers in default on federal student loans. Millions are currently in that status. • People whose loans fell into default before or after the pandemic and were not rehabilitated. 💡 What to do now: 1. Check your status on studentaid.gov to see if you’re in default. 2. Open all mail from the Dept. of Ed — these notices will first come by mail. 3. If you receive a garnishment notice, you can: • Request a hearing within 30 days to dispute it. • Work with the Dept. of Ed to rehabilitate or consolidate your loan to stop garnishment. This change restores a collection tool unused since March 2020 and signals a shift toward more active enforcement of defaulted debt.