My goal for this newsletter is to provide a regular plain-language summary of what has happened in the Oxford Street Education/Croft School bankruptcy, and to flag key deadlines and dates. This issue covers filings from June 25 through July 2, 2026.

I hope everyone is staying cool and enjoying the 4th of July weekend. It's hard to imagine that it is already July. There is not much new on the docket this week, so I am using the extra room for two things: First, a look at the official list of claims filed against the school, and two of those claims in detail. Second, the plain-language guide to filing a Proof of Claim that I promised in an earlier issue.

There is nothing families need to do this week; the deadline for filing a Proof of Claim is August 14.

Key dates & deadlines

• July 14, 2026, 9:00 a.m. — Meeting of Creditors
• August 14, 2026 — Deadline to file a Proof of Claim

What got filed this week

The court approved giving up the Jamaica Plain building

At a hearing on June 25, the court approved the deal between the trustee and the Jamaica Plain landlord, APW, LLC. The court treated the school's Jamaica Plain leases as rejected as of the day the case was filed. It also let landlord APW take back the building at 3815 Washington Street right away. Friends of JP Education, a nonprofit that held a security interest based on money it provided to operate the JP school from March to June, filed a motion for permission to remove the property that backs its loan from the building, which I understand it plans to facilitate the donation of. The court will hold a hearing on the request next week.

Disclosure: I have served as an advisor to Friends of JP Education, a Jamaica Plain parent group.

The trustee moved to give up another Providence building

The trustee asked the court for permission to reject the lease for a Providence building at 144 Wayland Avenue, rented from 144 Wayland, LLC. The space runs about 16,000 square feet, with rent of about $50,000 a month and a term that ran to 2042. This is a different Providence building than the ones in the last issue. The trustee stated that the school has no use for it now that operations have ended.

A closer look: the claims register and two of the claims

As families think about whether to file a Proof of Claim, it helps to know where those claims go and what is already on file.

A claims register is the official list of everyone who says the school owes them money and has filed to prove it. It is separate from the docket, which tracks motions and orders. Each claim gets a number, like Claim 1 or Claim 3. Anyone can review the register, and it shows what the school borrowed and from whom. I do not plan to cover every filing made on the claims register, but two of the claims filed so far are worth a closer look. They show the kind of borrowing the school turned to, and when that may have begun.

Claim 1-1: a cash-advance company, Meged Funding Group

The first claim on the register was filed by Meged Funding Group, a New York financing company. The full filing is posted here. Its paperwork shows that on September 29, 2025, the school signed a merchant cash advance — a deal where a business takes a lump sum up front and sells off a slice of its future income until it has paid back a larger fixed amount. The agreement states that it is not a loan and carries no interest rate. (The agreement is written as a purchase of future revenue rather than a loan. Arrangements structured this way are generally not subject to state interest-rate caps. This is a form of distressed borrowing.)

The key numbers are these: Meged paid $850,000. In return, the school agreed to hand over $1,232,500 — 10% of everything it collected — at $36,250 per week. Part of the $850,000 went to pay off two earlier cash-advance companies, so the school actually received only $406,325.

The advance was backed by the school's accounts and receipts. On a court judgment, it purports to set interest at 24% a year, plus 25% of the balance as damages and up to 40% in attorney fees. Scott Given both signed the agreement and personally guaranteed it.

The company also attached a lengthy background report containing personal information when it filed its claim. That portion has been removed from the copy linked here, and other personal information has been redacted.

Claim 3-1: a $400,000 note from LBZS II, LLC

Another claim came from LBZS II, LLC. The full filing is posted here. It rests on a promissory note dated November 14, 2025. A promissory note is a written promise to repay a set sum on set terms. This one was for $400,000, at 12% interest a year, but due in only four months, on March 14, 2026.

The note purported to put LBZS ahead of the school's other debts, except its bank loan. It also carried an unusual penalty. If the school missed the deadline, the lender would keep charging 12% and also start receiving ownership units in the school — 521 units for every $1,000 still owed, and another 521 per $1,000 if the balance was still unpaid a year later. Those units would purportedly rank ahead of the school's employees, managers, and investors.

Both of these deals were signed in the fall of 2025, months before the school filed for bankruptcy in June 2026.

How to file a Proof of Claim: a plain-language guide

Many families are owed money by the school — often for a tuition deposit or prepaid tuition. A Proof of Claim is the form you file to say the school owes you money, and how much. Here is how the process works, in plain terms. None of this is legal advice, and you do not need a lawyer to file.

Disclosure: Our family filed a claim for our prepaid tuition, and we are separately represented by counsel who is filing a claim for a Croft Bond on our behalf.

What you need

You need three things: the case information, the amount owed, and any proof. The case is Oxford Street Education, LLC, case number 26-11334, in the U.S. Bankruptcy Court for the District of Massachusetts. Proof can be an enrollment agreement, a receipt, or a billing statement. The deadline to file is August 14, 2026. There is no advantage to filing early, and no race.

How to file online

The court lets you file a claim electronically through its website, without a PACER account or a lawyer. You open the court's electronic Proof of Claim (ePOC) tool, fill in your information, attach your supporting documents, and submit. You can also use the standard paper form. A blank Form 410 is available to look at first, and you can file electronically with an easy to fill out form right on the Court's website.

If the school owes you money

Enter the amount owed to you (such as money paid for a deposit or prepaid tuition). Attach your proof. Most family claims are unsecured, which means they are not backed by specific property. That is normal, and it is the right category for most tuition claims. That said, there is a provision of the bankruptcy code that gives priority to deposits. Question 12 asks you if any part of your claim is subject to such a priority. There is a $3,800 limit to this priority. (Because our family is owed more than $3,800, I entered the full $3,800 under the priority question. If we were owed less than $3,800, I would have entered the full amount owed under that section instead.)

If you also owe the school (aftercare or lunch)

Some families owe the school for things like after-school care or lunch. This is where a setoff comes in. A setoff is when two parties who each owe the other money cancel the overlapping amount, so only the difference changes hands. If you are in this spot, you can still file for the balance the school owes you after subtracting what you owe it. Show both numbers on your form so the amounts are clear.

If your bank or card company already refunded you

Some families disputed a charge and got money back from their bank or credit card company. If that refund is final and covers everything you were owed, you generally would not also file a claim for the same amount. If the refund is not final, or if it covered only part of what you are owed, you may still have a claim for the rest. When in doubt, filing by the deadline keeps your options open. Full disclosure is best. This is general information, not advice about your specific situation. You should talk to your own attorney if you have questions.

Filing a claim puts you in line. It does not guarantee payment. In a Chapter 7 case, creditors are paid from whatever the trustee is able to collect and sell. If you want help with your own claim, you should talk to a lawyer.

All in one place, here's how we filled out our claim form for prepaid tuition.

First screen: Case number is 26-11334.

Form:

1. My name, address, phone and email.
2. Has this claim been acquired from someone else? No.
3. Where should notices and payments to the creditor be sent? (Refers back to 1.)
4. Does this claim amend one already filed? No.
5. Do you know if anyone else has filed a proof of claim for this claim? No.
6. Do you have any number you use to identify the debtor? No.
7. (a) How much is the claim? This is how much you are owed from Oxford. Here, I took the total amount we paid in prepaid tuition for 2026-27, subtracted the portion of that money we recovered from our credit card company, and listed the balance. (b) Does this amount include interest or other charges? No.
8. What is the basis of the claim? I answered "Prepaid tuition for 2026-27 school year, minus amount recovered from credit card company"
9. Is all or part of the claim secured? No.
10. Is this claim based on a lease? No.
11. Is this claim subject to a right of setoff? I answered Yes and listed the amount we owe Oxford for aftercare and lunch.
12. Is all or part of the claim entitled to priority under 11 U.S.C. 507(a)? Yes, Up to $3,800 of deposits. And under amount, I listed the full $3,800 because the amount owed to me is larger than that amount.

Documents: The form asked if I wished to attach supporting documentation. I chose "yes."

Part 3: I signed as the creditor. I signed my name and provided my address.

I then clicked submit form. On the next screen, I was able to upload documentation. For us, it was the tuition contract, receipts for payments, credit card refund information, etc. I think the safest thing to do is provide whatever documentation you have available. Everything you post is publicly available, so be careful to redact anything you do not want to appear on the public docket.

Once I uploaded the documents, the form was submitted and I was able to download a copy.

Happy 4th of July! Stay cool! Drink water!

Key Links

• Public Docket
• Bankruptcy Filing (June 5, 2026)
• Notice of Bankruptcy (June 5, 2026)
• Electronic claims filing site

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This newsletter is a community update. Nothing in it is legal advice and reading it does not create an attorney-client relationship. If you need advice about your own situation, please consult a lawyer.