Self Help Materials
Note: These Files are in “pdf” format – you will need a free Adobe Acrobat Reader. Click here to download the reader if you don’t have it already on your computer.
- How to File Your Own Answer in a Defense of a Court Case
- How To File A Court Case Without Paying Fees
- Bankruptcy Basics Video
- Video de conceptos básicos de la bancarrota
- Prinsip de baz fayit ki filme an video
- Stopping a Florida Garnishment
- Pro Se Appellate Handbook Prepared by the Florida Bar Appellate Practice Section
- Como Presentar Una Respuesta Por Su Cuenta En Defensa De Una Demanda Presentada en la Corte
- KI JAN POU OU FÉ PRÒP REPONS POU OU DEFAN-N TÈT OU NAN YON KA KOTE YO ASIYEN OU NAN TRIBINAL
DADE MEDICAL COLLEGE STUDENTS
If you were a student of Dade Medical College or the University of Southernmost Florida when these schools closed on October 30, 2015, or if you withdrew from these schools within 120-days prior to October 30, 2015, you have two options:
1) Transfer your school credits to another institution to complete a comparable program of study, or
2) Apply for a discharge of your federal student loans.
Both the US Department of Education and the Florida Commission for Independent Education (which oversees Florida’s nonpublic, post-secondary schools) have created websites dedicated specifically to providing information for students who attended Dade Medical College or the University of Southernmost Florida. You should visit these websites for further information. These websites can be found at the following links:
**US Department of Education: https://studentaid.ed.gov/sa/about/announcements/dade-southernmost-florida
**Florida Commission for Independent Education: http://app1.fldoe.org/cie/info.htm
TRANSFERRING YOUR SCHOOL CREDITS:
1) Whether your credits will be accepted by another school is entirely up to the school.
2) The other school will decide what credits to accept and what additional courses you will need to take to complete your comparable program of study.
3) The Florida Commission for Independent Study (CIE) has provided a list on the above-referenced website of schools that offer comparable programs of study, but there is no guarantee that these schools will accept the credits you earned at Dade Medical College or the University of Southernmost Florida. You will need to contact these schools to talk about transferring your credits.
4) If you transfer your credits toward a comparable program of study at another school, you will not be eligible for a discharge of your federal student loans based on the school’s closure.
**To get a copy of your school transcripts, you must complete and submit the CIE’s “Request for Search of Student Academic Transcripts on File” which you can get by clicking on the following link: https://app2.fldoe.org/publicapps/cie/pdf/transcript-request-form.pdf
**The request form contains information about where it should be submitted.
DISCHARGING YOUR FEDERAL STUDENT LOANS:
1) Discharge based on the school closing down:
1) Amount forgiven: 100%
2) The discharge is reported to the credit bureaus—it shows you no longer owe the debt
3) Receive reimbursement of payments made voluntarily or through credit collection.
1) Type of Loan: Direct Loan, Federal Family Education Loan (FFEL), or Federal Perkins Loans
2) The school closed
- While you were attending, or
- After you withdrew, but not more than 120-days after you withdrew
- After you withdrew more than 120-days before the closure, but the USDOE determined that exceptional circumstances relating to the closing justify an extension of the 120-days
3) You DID NOT complete the program of study
4) You ARE NOT completing a comparable educational program at another school, either:
- Through a teach-out agreement with the school,
- By transferring academic credits or hours earned at the closed school to another school,
- Or by another comparable means
Where to get the application: https://www.ifap.ed.gov/dpcletters/attachments/GEN1418AttachLoanDischargeAppSchoolClosure.pdf
Where to submit the application:
1) Submit it to your loan servicer
2) If you do not know who your loan servicer is, call 1-(800)-4-FED-AID [1-800-433-3243], or login to your account at https://studentaid.ed.gov
2) Discharge based on the “Borrower Defense to Repayment” loan discharge program
- If you completed your program of study at Dade Medical College or the University of Southernmost Florida (which would disqualify you from receiving the “closed school discharge”), you may ask the US Department of Education to discharge your federal student loans under its “Borrower Defense to Repayment”loan discharge program if you can show the following is true:
1) That the school committed fraud by doing something or failing to do something, or that the school otherwise violated an applicable state law related to your loans or the education services you paid for, and
2) Your loan was a Direct Loan (not a Perkins or FFEL loan).
- At this time, there is NO FORM available to request the “Borrower Defense to Repayment” loan discharge. Instead, to request this type of discharge, you should write a letter detailing the following information:
1) A statement that the borrower wishes to assert a borrower defense to repayment based on state law
2) First, middle and last name
3) Date of birth
4) The last 4 digits of the borrower’s Social Security number
5) Home address
6) Telephone number
7) Email address
8) Name and location of the school
9) The program of study
10) Degree, certificate, or other credential attained or sought
11) Dates of enrollment
12) Documentation to confirm the borrower’s school, program of study, and dates of enrollment. Suggested items include transcripts and registration documents indicating your specific program of study and dates of enrollment.
13) Any details about the conduct of the school that the borrower believes violated state law including, but not limited to:
a) The state and applicable law or cause of action (if available)
b) Specific acts (including failures to act) of alleged misconduct by the school
c) How the alleged misconduct affected the borrower’s decision to attend the school and take out a loan to pay to attend the school
d) The injury suffered by the borrower as a result of the school’s alleged misconduct
e) Any other supporting information that would help the Department of Education review the borrower’s claim
- You should submit your letter in one of the following 2 ways:
1) By email to: FSAOperations@ed.gov, or
2) By mail to: Dept of Education, PO BOX 194407, San Francisco, CA 94119
PRIVATE STUDENT LOANS
1) Every lender is different—-Talk to them about your options
2) Ask for a forbearance or an economic deferment
3) Sue the school for amount of loan balance. This option requires you to hire a lawyer and file a lawsuit. Additionally, even if you win against the school, you might not collect any money from the school if it does not have any money or assets, or if it files for bankruptcy.
1) Student loans are generally NOT dischargeable in a bankruptcy. It is nearly impossible to discharge your student loans in a bankruptcy.
2) You can only discharge a student loan if you can convince the bankruptcy court that repaying the loan would impose an undue hardship on you or your dependents. An undue hardship in this scenario generally means that your financial situation is such that if you are forced to repay the loan, you would not be able to maintain a minimal standard of living, and that circumstances exist that will keep you in this predicament for a significant part of the life of the loan.
3) Important factor to consider: A bankruptcy stays on your credit report for 10 years, it affects your ability to obtain credit, and it may affect your ability to get certain jobs.
FAMILIES AND CHILDREN
- The Renters Education and Advocacy Legal Line (REAL)
- Tenant Rights and Responsibilities
- How to Answer Your Eviction Case
- Foreclosure Brochure
- Writ of Possession
- What To Do When the Association Wants Your Rent
- Homeless Legal Advocacy Project
ENGLISH: HOME OWNERS
- Foreclosures – General Information
- How to Answer a Foreclosure Case
- Myths About Foreclosures for Homeowners and Renters in the Haitian Community
- Hiring a Contractor
- How to File an Answer in Court
- Loan Modification Assitance Centers
- Miscellaneous Motion and Notice of Hearing Form
- Motion for Extension of Time to File Response and Notice of Hearing
- Motion to Cancel Foreclosure Sale, Notice of Hearing, Form Order on Motion to Cancel Foreclosure Sale, and Court Instructions on Filing
- Objection to Foreclosure Sale and Notice of Hearing
- Owners Claim for Mortgage Foreclosure Surplus
EN ESPAÑOL: INQUILINOS
- Programa de asistencia para inquilinos – The Renters Education and Advocacy Legal Line (REAL)
- Los derechos y las responsabilidades de los inquilinos.
- Como Contestar Su Desalojo
- La Casa Donde Alquilo Está En Un Juicio Hipotecario
- Auto de Posesion
- Qué hacer cuando la asociación quiere que usted pague su renta a ellos.
- Proyecto de Ayuda Legal para los Desamparados
EN ESPAÑOL: DUEÑOS DE CASA
- Informacion sobre la respuesta a un embargo hipotecario
- Instrucciónes para completar la respuesta a un embargo hipotecario.
- Para usar los servicios de un contratista
AN KREOLE: LOKATE
- Edikasyon Lokaté epi Lign Sipò Legal (REAL)
- DWA AK RESKONSABLITE MOUN KI NAN LWAYE
- Ki jan pou reponn yon ka eviksyon (Eviction)
- Yo Sezi Kay Ke Mwen Lwe A
- Lòd Pou Degèpi
- Pwojè Defans Legal pou Sanzabri yo
AN KREOLE: MET KAY
- Information about Child Support and your SSI and Social Security Benefits
- Free Help with Tax Problems is Here
- 2014 VITA Sites
- Partial Unemployment Benefits | Spanish | Creole
- Social Security Disability & Supplemental Security Income
- The Unemployment Insurance Program
- Unemployment Compensation Discovery Request Instructions
- What do I do if the Social Security Administration denies me benefits after a Hearing?
- Emergency Unemployment Compensation (EUC) and Extended Benefits (EB)
- Myths About Income Tax Returns, Refunds, and Dependent Exemptions in the Haitian Community
- Earned Income Tax Credit: How to File and Save
- Ayuda Gratis cons sus Problemas de Impuestos
- ¿Qué Hago si Después de Una Audiencia la Administración del Seguro Social Me Niega los Beneficios?
- Beneficios Parciales de Desempleo
- El Programa de Seguro de Compensacion para Desempleo
- Instrucciones para Solicitar los Documentos de la Proposición de Pruebas
- Ed Gratis Al Problem Taks Isi A
- Benefis “Unemployment” Pasyél
- Entriksyon Pou ou Mande sa ki rele “Discovery” a
- Ki Sa Pou Mwen Fé Si Adminstrayson Sosyal Sekirite Refize Mwen Benefis Apré On Jijman
- Pwogram Asirans Pou Moun Ki Nan ChomaJ
- Sosyal Sekirite Dizabilite & Lajan Sekirite Siplemanté
- LEJAN-N KI ANTOURE TEM “INCOME TAX RETURNS”, “REFUNDS”, EPI “DEPENDENT EXEMPTIONS” NAN KOMINOTE AYISYEN AN
- 2015 Small Claims Clinic
- Stopping a Florida Garnishment
- Pro Se Information on Collecting Judgment
- Defending Yourself in Small Claims
- Consultoría para el Tribunal de casos de menor cuantía de 2015
- Información sobre cómo proceder por si mismo para cobrar un dictamen judicial a su favor
- Cómo defenderse en la corte de reclamos menores
- Older Floridians Handbook: Laws and Programs Affecting Older Floridians
- The Rights of Homeless School-Aged Youth
- Information on the Naturalization Process
- Medically Needy Program