Articles Posted in Surviving and Thriving Through COVID-19

Published on: a few unanswered questions regarding the roll out of federal student loan borrower protections provided by the CARES Act.

The Student Borrower Protection Center and the National Consumer Law Center have combined forces and raised certain concerns to Secretary DeVos in a letter today that can be found here.

Clarifications are being made to the Paycheck Protection Program which have encouraged, in particular large cap, public companies, with access to other funds, to return funds that were meant for small business.  Perhaps the attached recommended consumer guidance will encourage the Department of Education to clarify and extend borrower protections where necessary as well.

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pelosiAs an attorney, if I accept representation for two clients but I only zealously advocate for one while throwing the other to the wolves, I would be subjected to discipline by the Florida Bar and likely sued.  Banks better hope when they accepted PPP applications, that they reviewed them fairly.

Despite the meme above, my beef is with the big banks on this one!


Published on:’ve probably heard by now that the CARES Act provides for a suspension of payments and collections, and waiver of interest for six months.  However, not all loans are covered.

Importantly, 20% of federal student loan borrowers are not covered by the CARES Act.

  • Covered loans do not include FFEL loans that are commercially owned, Perkins loans and Private loans.
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ffcraOur firm used to do a lot of employee rights cases, but we reduced that area of practice when we elected to focus on foreclosure defense and student loan work.  Recently though, we have had a few clients with questions about what happens to their income if they or an immediate family member should get sick with COVID-19.  One of our attorneys suggested I post the following to help answer these questions:


The Act requires certain employers to provide their employees with paid sick leave and expanded family and medical leave for specified reasons relating to COVID-19.  These provisions are applicable between April 1, 2020, through December 31, 2020.

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While our physical location is closed, our Arkovich Law team are hard at work at home filing motions to abate Chapter 13 Plans, Modifying Confirmed Plans, helping with our clients’ real estate needs, settling all sorts of debt, and assisting with estate planning needs.  This blog is addressed toward our small businesses in the Tampa Bay area:

If you are a small business owner, make sure to apply for the Paycheck Protection Program through your local bank in order to maintain your workforce and to receive full forgiveness after the 8 week period.  Make sure you are able to return to work in 8 weeks with your business fully intact and awesome!

Also, if you experience additional business hardship, you can apply for a SBA Bridge Loan.

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