Archive for the ‘Gersh Blog’ Category

Taking The Training Wheels off of Legal Education in America

Friday, January 13th, 2012

I just read, “Applying the Alternative Fee Model to Law School Tuition” by Ari Kaplan, which you can find here.  The basic jist is that we should re-work how students pay for law schools and look into alternative tuition arrangements.  Among the solutions Ari endorses is one where students pay $5000 per semester in their first year, and if they decided law school was garbage, they could quit and only be 10k in the hole, but then they would still walk away with pseudo-paralegal certificate.  Mind you, in the first year of law school, you learn next to nothing that is  applicable in the real world (let alone the next two years, in most law schools) and no amount of Socratic learning will properly prepare you for your boss saying: “File this with the Court.”  Other ideas include providing “Early Exit Counseling”, which, I believe, translates to “It’s cool if you quit.  Stop crying, please.”  Finally, Ari proposes dropping the cost of a $150,000 legal education by allowing sponsors to advertise on students’ $200 textbooks and make these textbooks available on a Kindle or an iPad, thereby further reducing costs.   I don’t doubt that Ari has some decent ideas and I don’t blame him for proposing them.  In fact, I appreciate the fact that he did.  But honestly, let’s cut the crap and speak like grown ups .

Law School is a Choice  

Let us pretend for a few moments that us lawyers actually had a hand in deciding to go to law school.  Let us pretend that we knew specifically what it was that we were getting into.  Let us pretend, for a moment, that we didn’t fork over all this money, equivalent to buying a home in the Mid-West, by relying solely on a 3 page glossy brochure.  We went.  We knew the deal going in.  If we can agree to this premise, then we can move on to the following:

Law School Was Never Intended As A Career for Everyone

It’s pretty important to note that law school applications didn’t rise by 20% recently because thousands of college graduates had an opportunity to watch some really exciting scenes from Law and Order, for the older matriculated students, Matlock, and decide that this was fun and exciting and they should pursue it.  Applications went through the roof because young adults, who couldn’t get a job paying over 30k no matter how hard they tried, decided to continue education and hope that “stuff” clears up in a few years.  That’s not to say everyone did this, but I can guarantee you that there was no “Come to Jesus” moment that happened in 2008.  Or 2009.  Or 2010.  People applied because they had to.  Not because they wanted to.  Yes, there were exceptions to this.  Yes, some people always wanted to be lawyers.  But there’s no way you can convince me that those people were in the majority.  The reality is that the people who want to be public servants, the one’s we actually NEED in this profession, aren’t going anymore, because it’s just not worth it.  They can’t afford it.  They made a calculation in their heads.   And that’s an absolute shame.  Because we don’t need a glut of decent attorneys for decent firms.  We need exceptional attorneys defending the constitutional rights of individuals when state and federal budgets for courts and Legal Aid are slashed left and right across this country.

Law School is a Business and Business’ Make Money

If you want to find a way to reform law school, then it can’t be the law schools that do the reforming.  My firm earns its revenue from Bankruptcy and Real Estate work.  If there was a call to lower Bankruptcy and Real Estate fees and make them standard across the board, it’s not going to be the Bankruptcy and Real Estate lawyers who answer that call.  Because it’s a business.  And the more we hear about how to change the way legal education is taught the less we talk about the reduction of the cost of legal education.  The ABA president recently gave a speech where he blamed law students for being unemployed.  He’s completely off base and ridiculously out of touch but you know what wasn’t discussed?  Changing the very business of law school. And it won’t be.  Which brings me to my next point:

If You Want to Change the Price of Law Schools, Cut a Year

You don’t need the third year.  You need two years, max.  Your thinking changes the first year. Second year it gets crystallized in your head.  In the third year you’re taking electives which make you no better as a lawyer.  Want to see if you like employment law?  Intern.  Want to make sure criminal law is the right fit for you? Sit in court for a few afternoons.  Or ask a defense attorney about their practice.  Or ask 5.  But you’re not going to have any idea of what it’s like to be a Bankruptcy lawyer by reading case law from California.  The third year should be clinical work and clinical work only.  That way, when a graduate does get a job, if there is a job to actually get, they know to do…. stuff.

Don’t Be Scared to Quit:

We have this absurd philosophy surrounding quitting.  I personally know of no one who ended up homeless after they quit law school.  No one threw eggs at them when they crossed the street.  If a student doesn’t like law school, the student should, for the love of God, quit law school.  It doesn’t mean the student is some failure.  To the contrary, it means that student has an inclination about what they DON’T want to do with the rest of their lives, which is more than I can say for other people I know.  Students also don’t need “Exit Counseling” if they decide to quit.  They don’t need to be told by an administrator that they should spread their wings and fly.  They should be told that if they work in some form of government or community service for a few years, their debt would be forgiven.  You’d have scores of people headed for the exits if this was implemented.  But it’s not.  And it wont be.  Because no one wants to be the person who tells a student at a 3rd tier law school that they’re likely going to be an associate at a Personal Injury defense firm pushing compliance conference orders across the table, rather than the next Justice Sotomayor.  Steve Jobs quit college.  Bill Gates did too.  You think it’s a big deal if you walk away from Cooley after a year because you realize you don’t like the law?  Everyone will survive.  You’re no worse for it.

No Clinical Courses Can Make up for the Fact that Economy Sucks

I was, and still am, on the bandwagon of those who want to incorporate clinical and work experience for law students.  Students should know how to do legal research and file a case.  And that will do wonders for them…unless and until their employer closes up shop.  There are simply too many lawyers and not enough jobs out there.  We keep dancing around this issue as if it’s not right in front of our faces.  If there’s no money in the coffers to pay for Susan to work at the firm, it really doesn’t matter much if Susan knows how to file a Habeas Corpus motion on Day 1.  Because the Firm can’t afford paper. Until this economy turns around, it’s simply senseless to suggest that there will be some magical pill that cures the woes of recent graduates.

Student Loans Are the Next Bubble

There is currently over ONE TRILLION DOLLARS in Student Loan debt across this country right now. That’s with a mother effin ”T”.  People call me every day and want to file Chapter 7 Bankruptcy in New York because their student loan debt is literally choking them.  In 70% of cases in this office, an individual’s student loan DWARFS their credit card debt.  And they can’t do a thing, because unless you have some exceptional circumstances, student loan debt cannot be discharged in a Bankruptcy.  Mind you much of this debt is for private student loans.  And that number keeps growing as tuition increases (WINK WINK).   The ones that have much higher interest rates.  The ones that big boy banks underwrite and then trade (remember mortgage securities, folks? That was a fun time.)  To even suggest that you’re going to solve any problem dealing with the price of law school without massive reform of the Student Loan system and all of its players is ridiculous.

It’s Up To The Student

The real bargaining power comes from the prospective student.  And so it should.  If you want to be a lawyer and make money, you still can.  There are so many people out there who do.  Not just the people at Skadden or Sullivan. Mid size firms and even small ones have plenty of people who actually are able to pay the bills and still like their profession.  But it’s so much harder to do now then it was even five years ago.  We cannot rely on the very institutions that make huge profits from the pockets of law students to somehow change the way they do business…to make less profit.   It’s silly.  There will certainly be some cosmetic changes in the next few years.  But serious change won’t come from them.  We have the answers.  We all know that if we cut a year from law school, cap the amount of interest that student loan companies can charge and create lawyers who actually work for the public good in exchange for loan forgiveness, we’d completely revitalize the profession.  But who do you expect will do this? Congress (I know, I’m laughing too.)  The banks?  Law Schools?  No.  The decision is up to you and you alone.  It’s a chance and a choice.  Like everything else in life.  Cost/Benefit.

Ari Kaplan is right in that we are at a watershed moment.  But it’s not a moment about how he re-tool the cost of Legal Education. We know how to do that. It’s not whether we should let Coca Cola advertise on an Emanuel Law Outline to subsidize the cost of a textbook. It’s a really about whether or not it’s still worth it to go in the first place. It’s a question that should be asked constantly.  It’s a question that will only get louder and louder as more people apply for fewer and fewer jobs out there.  And that answer is up to the individual, as it should be.

 

 

 

 


Daniel Gershburg Esq., P.C. version 2.0

Monday, December 19th, 2011

For several weeks now, I thought about writing a Bankruptcy blog that dealt with holiday spending.  Specifically, the propensity of people to spend money they don’t have on their credit cards around this time of year and then be unable to pay for any of it in January.  But, realistically, been there done that.  Every Bankruptcy attorney in town does that and I think the advice isn’t necessarily earth shattering (stop spending money though, seriously). So, instead, before everyone goes off on vacation (like my associate), I wanted to take some time and discuss what I have planned for Daniel Gershburg, Esq., P.C. in the coming New Year.

A few months ago, we began to sit down and figure out what the direction of the Firm would be, moving forward, as we’ve grown since 2010.  And we began to realize a few things:

1. The area of Bankruptcy law is getting more crowded in New York City as more and more attorneys are coming into the practice and each website slowly begins to look almost identical to one another.

2. Many people were (are) coming to us and complaining about problems with receiving a loan modification even when their lender told them to stop making payments (thus ruining their credit). Now these same people face foreclosure in New York.

3. We like doing work for the most underprivileged in our New York City area but realized we could do more.

4. I like donating money to charity.

 

So, over the next year, here’s our plan:

While I’ve no doubt that you like reading the blog (except the emails I receive that say  ”I don’t like reading your blog.”) I overwhelmingly hear about how much you prefer our videos. So, we’re going to give you more of that.  In early 2012, we’ll roll out a video page that, I think, is unlike anything you’ve seen before on a law firm’s website.  As always, we’ll ensure that the videos are clear and understandable.  But we also realize there is not a “one size fits all” approach to either Bankruptcy or Real Estate, and so our videos will be more tailored to you.  Personalized.  They’ll answer questions directly.  Why?  Because there is so much out there on the internet, and the last thing you want is to research for hours and fail to find anything that address your particular situation.  In other words, I think we can do it in a different way that will be more easier, more direct, and more appealing for you.

Another issue we’ve identified is how many people across New York City have been victimized by their own lenders when it comes to loan modifications. I say victimized sincerely.  Client after client complains about listening to their own lenders advice on not making future payments, to their detriment.  We hope to change that.  In 2012, we’re going to substantially expand our presence in Foreclosure Defense in New York City.  It’s one thing if “Loan Mod USA “(fictional name) tricks someone into believing they can reduce their principal and payments.  It becomes quite another when the very bank that financed your home is telling you to take steps that hurt your credit score, and then foreclose on that home.  We hope to change that, and we believe we will. Look for a Gershburg Foreclosure Defense site in January 2012.

I’m perhaps most excited to address #3 and #4 above.  Ever since I established this practice five years ago, I believed it was imperative that I give back to the community in the form of Pro Bono work.  The reason?  I basically learned the practice of Bankruptcy through doing volunteer work at the Brooklyn Bar Association.  Each time I did a pro bono case I felt as if I was doing something good for the Brooklyn community.  Is it cliche and cheesy?  Maybe, but it was and continues to be, quite important for me.  Having said that, at the time of this blog, the Brooklyn Bar Association has 30 open Pro Bono Bankruptcy cases waiting to be filed.  I’ve called them and said that my firm would personally take on each one of them in 2012.  We hope to bring the open case load down to 0 by December of 2012.  Why?  Because it’s important for us and it’s the right thing to do.

This year, we’ve been able to donate money to the Wounded Warrior Project, an amazing organization that helps develop programs for  severely wounded  Vets come back home.  Also, in conjunction with the Street Academy for Financial Literacy and an absolutely amazing organization, Pencil.org, we’ve been able to bring Financial Literacy programs to a middle school in Brooklyn, and we are eager to expand this, with Pencil’s help, to several schools across Brooklyn in the coming year.  We’re teaching kids the value of a dollar and how to save it.  We’re teaching them about credit and debt and the relationship they have.  And we’re teaching kids good money habits that can transform their lives as they grow older.

In addition, the communities where our offices are located (one in TriBeCa and one in Sheepshead Bay) are incredibly important to me.  I’ve lived and worked in both areas and they are close to my heart.   In 2012, we ‘ve pledge to donate up to 10% of the profits of Daniel Gershburg, Esq., P.C. to various charities working in both areas (email us if you know of worthwhile charities in either community). Beyond that, we’re putting even more of an emphasis on doing volunteer work .  In fact, starting in 2012, our staff they will receive paid days off for doing volunteer work at the charity of their choice.

So, why am I telling you all of this?  First, because I think it’s time we did this.  I’m incredibly happy with our website, but it’s time we do something different…again.  I think that law firms and social media and tech are a great combination. In fact they’re so great that everyone is doing it. In fact so many people are doing it that you can’t tell the difference anymore.  Everyone is on Facebook and Twitter and LinkedIN and that’s fine. But this blog has never been here to scream “Look at us, we’re great!”; That’s unethical.  This blog and site were designed to serve a purpose, which was to make finding the information you need easier for you while you search at work.  We hope to do that with our new video page.  We hope to do that with our new Foreclosure Defense Page.  And, most importantly, we hope to do that by doing things you can’t possibly do online.  We hope to do our part in changing our communities.

I wish you the very best in this holiday season and the New Year.

-Daniel

 

So you entered into a Stipulation at Landlord Tenant Court in New York….

Thursday, December 15th, 2011

The latest from our guest blogger, Jordan Schiller, Esq.

 

Can you vacate an ill-advised stipulation from Landlord/Tenant court in New York, entered into without counsel?

 

Let’s admit it, lawyers can be costly.  For this reason, many landlords and tenants will forego counsel in New York and seek to handle their dispute in court pro-se, on their own.

Pro-se litigants will conference their case before a court attorney and have a Judge review their agreement before signing off on it.  Once a Judge signs a stipulation of settlement, the parties are bound by its terms.

 

NYC Landlord/tenant law is a very technical and highly specialized area of law.  More often than not, tenants have valid defenses to a housing court proceeding.  I’ve seen it too many times where a tenant unknowingly or mistakenly waives these defenses simply by signing a stipulation of settlement, without the benefit of counsel to advise them not to.  Either the tenant is living in an illegal multiple dwelling, is a Section 8 recipient where NYCHA was not named as a party or the landlord has waited years before bringing a non-payment action in court.  All of these scenarios present various defenses for a tenant to negotiate a settlement, or even dismiss the case outright.

 

Under limited circumstances, namely fraud, duress or mistake, the court may, in its discretion vacate an inequitable and ill-advised stipulation of settlement entered into between a pro-se tenant and a landlord.  It is highly recommended to contact a lawyer that specializes in landlord-tenant matters before attempting to do it on your own.

 

Moral of the story: the money spent on a lawyer from the get-go will save you the expense and headache of trying to undo something that shouldn’t have been done in the first place.

 

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