ABOUT US AND CONTACTS
I. About the Organizer
This project is organized by an individual, Cameron Mostaghim, who is educated with four degrees, including a law degree, that were all conferred with honors or recognition of scholastic achievement. Subsequent to passing the bar exam in 2009, he started working full time in the legal field, despite being denied a license to practice law. In various positions of employment, he acquired experience within the practice areas of personal injury, labor and employment, civil rights and discrimination law, government tort claims, insurance, business law, and complex multi-party litigation. He also gained familiarity with all aspects of civil litigation, appeals, and has written several appellate briefs leading to reversals. Uniquely qualified, but without a license to economically leverage his legal skills, experience, and knowledge, he has most recently been focused on the creation of business development proposals that, if implemented, have high impact or limitless revenue generating or expense savings potential. The download button below may be used to access the organizer's functional resume.
II. About This Project, its Evolution, and Development
This non-partisan independent study on reforms to student loan policy, the proposed free access publication, and the Student Loan Policy Reform website find their beginnings from a complex mix of unjust events and most unusual circumstances.
Despite successfully completing all required legal studies in 2009 and successfully passing the California state bar exam on the first attempt in that same year, Organizer Cameron Mostaghim was twice denied a license to practice law because of a medically documented testosterone deficiency that requires treatment with anabolic steroids and other hormone regulating medications. The California State Bar opposed licensure (specifically, they opposed a favorable moral character determination) on the basis that his use of anabolic steroids for his testosterone deficiency was allegedly illegal. While initial medical treatment was unconventional in some respects due to medical treatment costs (i.e., purchasing medication via the internet and abroad in Mexico where medications cost considerably less), those unconventional aspects of treatment were entirely removed, corrected, and absent by the time of the second licensing proceeding. Despite having absolutely no fault concerning his medical condition and treatment at the time of the second licensing proceeding, and several additional years of medical laboratory tests documenting this medical condition, he was nonetheless again denied a license to practice law on exactly the same basis. These actions violated federal and state anti-discrimination laws, the general "benefit of doubt" legal standards that apply to moral character licensing proceedings, and the "beyond reasonable doubt" burdens of evidentiary proof that apply to criminal proceedings and extend to moral character proceedings where unproven criminal conduct is alleged as the basis for opposing the issuance of a law license. Although these wrongful and unlawful acts by the California State Bar were appealed all the way to the California and United States Supreme Courts, both courts declined to review the case. While the courts' decisions to deny discretionary review are not a decision on the merits, it does conclude an appeal and prevent further litigation in the case. Another licensing proceeding could theoretically be initiated since the anabolic steroid treatment issue was the only unresolved issue from the two earlier admission proceedings. However, unless simply given a license without further interview or examination based on previously passing the exam in 2009, further licensing proceedings are not practical or feasible due to personal circumstances, age, financial costs, time requirements, and the involved psychological distress and anxiety that would be involved in a third adversarial trial concerning one's moral character.
Adversely impacted by this second licensing event in a most significant and detrimental way, he was eventually forced to file bankruptcy for financial reasons. The bankruptcy filing was the result of not having any substantial employment for about four years due to an inability to obtain a license after the second licensing attempt, an inability to increase income earning potential or make student loan payments due to a wrongfully withheld license to practice law, already being financially depleted from the costs of the two prior licensing proceedings costing more than $50,000, being burdened with crippling student loan debt close to $125,000 (despite approximately ten years in repayment status) that was attributable to a professional degree that cannot be economically maximized, and ongoing medical expenses to treat a testosterone deficiency that further impedes repayment of student loans. Although his circumstances of financial hardship are considerably greater than those mentioned here, debt reduction through bankruptcy appeared to be the only possible option for relief. Despite these unjust events and unusual circumstances, he was not able to eliminate any portion of his student loan debts that were contested by creditors. That, with other events, further exacerbated his dire circumstances and compounded injuries from these earlier licensing injustices.
Meanwhile, he had taken up book writing and the creation of business development proposals with high impact potential, in part, as an attempt to change his circumstances. A book was preliminarily conceptualized to be a limited review of his personal experiences involving student loan bankruptcy proceedings and envisioned to be a self-help publication that might assist others who are also forced to file bankruptcy due to crippling student loan debt or medical expenses that impede student loan repayment. Instead, this idea evolved into a development proposal for a non-partisan independent research project to examine the potential unconstitutionality of existing student loan policies. If research reveals that these ideas have not previously been advanced, are tenable, and can be supported by existing legal authority and precedent as currently believed, those assertions are planned for inclusion within the proposed free access publication, "The Bankrupting of American Households: Reforming Student Loan Bankruptcy Policies."
III. Business Information
StudentLoanPolicyReform.com is currently a web-based business that is anticipated to remain a web-based business until the fundraising goals are met and physical facilities are required for operations.
Both StudentLoanPolicyReform.com and SEEpublishing.com (the original co-publisher of the development proposal) are the registered websites belonging to the lead organizer of this project, Cameron Mostaghim. SEE Publishing and SEE Consulting are registered business names belonging to Cameron Mostaghim. All Rights Reserved.
IV. Contacting Us
Anyone interested in contacting us may send an email to:
contact@StudentLoanPolicyReform.com
Additional instructions can be found on the Collaborations page concerning the nature and reason for the communication.