From Mike Cantrell, CEO & Founder

Hello IRONFIST Legal® community,

As we embrace the arrival of fall, I want to reaffirm this: when deceptive schools, abusive lenders, predatory timeshare companies, or unfair medical bills push too far—IRONFIST Legal® is the strength you can lean on. Our mission? To be the unbreakable force that protects your rights and delivers justice.

We are proud to be the #1 choice for enforcing consumer rights, helping thousands of clients overcome predatory contracts and restore their financial peace.

In the Headlines: What You Need to Know

Student Loans

Interest Resumes for SAVE Plan Borrowers
As of August 1, 2025, interest resumed for approximately 8 million borrowers under the SAVE plan after a year-long pause—and balances may start to climb again.
Read more (https://www.businessinsider.com/save-plan-biden-student-loan-interest-charges-resume-2025-8?utm_source=chatgpt.com)

Default—and Garnishment—Risks Rising
Over 5 million borrowers are projected to default by September, with the potential for 15% wage garnishment. If you receive a garnishment notice, act fast—it may be illegal.
Read more (https://apnews.com/article/487645f5cd25ff4631b0ea1aa2ae6561?utm_source=chatgpt.com)

Repayment Options Overhaul in Congress
Lawmakers are consolidating repayment plans into a Repayment Assistance Plan (RAP) (1–10% of income) and a Standard Plan. Borrowers must transition by mid-2028, though higher earners may pay more than before.
Read more (https://www.kiplinger.com/personal-finance/the-new-rules-for-student-loans?utm_source=chatgpt.com)

Borrower Defense Under Supreme Court Review
The Borrower Defense rule—vital for those misled by their schools—is now before the U.S. Supreme Court. Professional support from IRONFIST Legal® can make all the difference.


Timeshares

Crackdown on Resale & Recovery Scams
The FTC and state regulators continue cracking down on fraudulent reassurances like “guaranteed buyers” or bogus refunds.
Read more (https://www.consumeraffairs.com/news/timeshare-news-and-scams/?utm_source=chatgpt.com)

Telemarketing Fraud Guilty Pleas
Those behind fake “rental guarantees” and phony recovery services have pleaded guilty to wire fraud—confirming what IRONFIST Legal® has always warned you about.
Read more (https://www.justice.gov/usao-nj/pr/leader-telemarketing-scheme-targeting-timeshare-owners-over-age-55-wife-plead-guilty?utm_source=chatgpt.com)

Mexico Timeshare Fraud
In Los Cabos, scammers impersonate banks or notaries to demand upfront fees. Even official-looking documents can be lies.
Read more (https://www.swlaw.com/publication/timeshare-scams-in-los-cabos-how-they-operate-and-how-to-stay-safe/?utm_source=chatgpt.com)

New Protections in Mexico (NOM-029)
Mexican law now mandates clear marketing, cancellation options, and fee disclosure, with potential $200,000 penalties for violations.
Read more (https://en.wikipedia.org/wiki/Timeshare?utm_source=chatgpt.com)


Medical Billing & Debt

CFPB Rule: Medical Debt Off Credit Reports (Then Vacated)
In January, the CFPB finalized a rule removing medical debt from credit reports—benefitting an estimated 15 million Americans. However, in July, a federal court vacated that rule for overstepping agency authority.
Read more (https://www.aha.org/news/headline/2025-01-07-cfpb-finalizes-rule-banning-inclusion-medical-debt-credit-reports?utm_source=chatgpt.com)

California’s New Medical Debt Law (SB 1061)
Effective July 1, 2025, California requires all medical debt contracts to include robust consumer protections—or they’re void and unenforceable.
Read more (https://www.cmadocs.org/newsroom/news/view/ArticleId/50928/Reminder-New-consumer-protections-now-in-effect-for-medical-debt-contracts?utm_source=chatgpt.com)

State-Level Progress & Gaps
While some states offer protections—like New Jersey’s Louisa Carman Act, which shields residents from wage garnishment and credit reporting—federal protections remain patchy.
Read more (https://www.njcitizenaction.org/new_jersey_expands_protections_for_residents?utm_source=chatgpt.com)

Surprise Billing Failures & Fixes
The No Surprises Act was meant to protect consumers—but insurers often ignore dispute resolutions. Lawmakers are pushing new penalties and enforcement.
Read more (https://www.ama-assn.org/health-care-advocacy/access-care/one-wrinkle-surprise-billing-law-health-plans-aren-t-paying?utm_source=chatgpt.com)

AI Tools Fighting Medical Denials
Patients are increasingly using AI—including tools like Grok and Counterforce Health—to fight unfair bills and insurance denials.
Read more (https://nypost.com/2025/03/08/health/this-is-theft-patients-enlist-ai-to-slash-medical-bills/?utm_source=chatgpt.com)

Hospital Facility Fees Under Attack
In Houston and elsewhere, surprise “facility fees” for routine outpatient care are driving bills up. States like Texas are exploring bans.
Read more (https://www.houstonchronicle.com/health/article/hospital-facility-fees-driving-health-care-costs-19979090.php?utm_source=chatgpt.com)

Emergency Medical Bill Wiped Clean
A Florida man hit with nearly $95,524 after a heart attack received full forgiveness through hospital charity care—showing how broken the billing system has become.
Read more (https://www.washingtonpost.com/wellness/2025/05/29/heart-attack-medical-bill/?utm_source=chatgpt.com)


Client Success Stories

Real clients. Real results. Here’s just a glimpse of how IRONFIST Legal® changes lives:

• Nicole from Florida – Misled by her school on graduation rates and job placement outcomes, Nicole faced crushing student loan debt. With IRONFIST Legal®’s help, she saved over $54,000 and saw a 70% reduction of her outstanding balance.

• Donald from California – Trapped in a Hilton-serviced timeshare mortgage, Donald turned to IRONFIST Legal®. Within just 90 days, we got him out of his mortgage with no negative credit reporting—a clean break from an abusive contract.

• Marvin from Texas – Facing an excessive medical bill, Marvin reached out for a free consultation. With our guidance, he was able to eliminate the bill entirely, saving thousands of dollars. We didn’t charge a cent—because sometimes, our advice alone is all you need.
  

These victories prove what our clients already know: when you choose IRONFIST Legal®, you choose results.

What This Means for You

• Borrower Defense Claimants: Don’t go it alone. IRONFIST Legal® will guide and file your claim with the power and precision it deserves.

• Facing Garnishment or Rising Loan Balances? Call IRONFIST Legal® immediately—we’ll act fast to protect your income.

• Timeshare Owners: Scam mail or calls? Don’t respond—send them to us. We’ll shut them down.

• Medical Debt Under Threat

• If your bill lacks legal language (like in California), it may be invalid.

• Surprise charges or “facility fees”? Let us fight back.

• Denied insurance claims? We’ll use every tool—including AI and the law—to protect you.

Featured Tip: Documentation Is Your Power

In every battle—student loans, timeshares, or medical billing—evidence is your greatest weapon. Save emails, contracts, voicemails, billing statements—anything that captures pressure, deception, or abuse. With IRONFIST Legal® by your side, that documentation becomes powerful armor.


Your Crisis. Your Fight. Our Iron Fist.

Stop being pushed around by powerful institutions. It’s time to fight back.

Call or text IRONFIST Legal® at [your phone number] today.
One team. One mission. One force: to defend your rights and reclaim your peace.

At IRONFIST Legal®, we don’t just represent clients—we stand as the iron fist these companies never expect but always remember.

Stay strong. Stay protected. Let’s move forward—together.

Warm regards,
Mike Cantrell
CEO & Founder, IRONFIST Legal®