Page 23: Consumer Rights Blog

  • Blog
what happens to unpaid credit card debt if you move abroad
22 Apr, 2024
Daniel Cohen
Will my debts still hurt my credit score if I move abroad?
Debts in one country don’t affect your credit score in another country
2518
11 min
what to do if you lose your social security card
5 Jul, 2024
Daniel Cohen
What should I do if I lose my Social Security card?
Losing your social security card presents many financial risks
3429
4 min
how to prevent identity theft online
22 Apr, 2024
Daniel Cohen
How to protect your privacy and identity online
A thorough guide to protection in a digital age
704
11 min
how to spot a job scam
22 Apr, 2024
Daniel Cohen
How to spot a job scam
Not all job postings are genuine
702
11 min
how bad is a 700 credit score
22 Apr, 2024
Daniel Cohen
Is a 700 credit score good or bad?
A credit score of 700 has positive implications
1305
5 min
how bad is a 600 credit score
22 Apr, 2024
Daniel Cohen
Is a 600 credit score good or bad?
A 600 credit score is neither good nor bad, only fair
1049
5 min
fake government worker
16 Oct, 2023
Daniel Cohen
How to know if a government worker who’s contacting you is real or fake
Government impersonation scams can be easily identified
756
11 min
is 500 a good credit score
22 Apr, 2024
Daniel Cohen
Is a 500 credit score good or bad?
A 500 credit score is a bad score and has negative implications
1030
5 min
detailed globe showing states with the most identity theft
24 Jul, 2024
Daniel Cohen
States with the Most and Least Identity Theft
Are you living in an identity theft hotspot? Consumer Attorneys can help you fight back no matter where you live.
1039
5 min
what does filing for bankruptcy do to your credit score
22 Apr, 2024
Daniel Cohen
I filed for bankruptcy. How will this impact my credit score?
Filing for bankruptcy has several negative effects your credit score
735
11 min
man gets angry because of a lot of calls
3 Jul, 2024
Daniel Cohen
How Many Times Can a Company Call You Before It's Harassment
We explore when debt collection calls become harassment. Sometimes, the law makes it clear. There are times, though, when the line gets blurry.
1631
8 min
how long do derogatory marks stay on credit
23 Apr, 2024
Daniel Cohen
How long do derogatory marks stay on your credit?
Derogatory marks have varying lifespans on your credit report
1208
7 min
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INVESTIGATIVE ENGAGEMENT AGREEMENT

You, (“Client,” “you”), and Consumer Attorneys PLC (“CA” or “we”), located at 8095 N. 85th Way, Scottsdale, AZ 85258 (“CA”) , hereby enter into this limited scope retainer agreement whereby you agree to grant CA the exclusive authority to investigate your potential consumer law claim(s), including but not limited to potential violations of the Fair Credit Reporting Act (“FCRA”), Fair Debt Collection Practices Act (“FDCPA”), Equal Credit Opportunity Act (“ECOA”), Electronic Funds Transfer Act “EFTA”), Fair Credit Billing Act (“FCPA”), and/or the Telephone Consumer Protection Act (TCPA”) (collectively referenced as “consumer protection statutes”). 1Please read carefully before signing:

Authorization

You authorize CA to investigate your potential consumer law claim(s) under state and federal consumer protection statutes. You authorize CA to contact third parties on your behalf for the limited purpose of investigating your potential consumer law claims. “Third parties” include but are not limited to consumer reporting agencies, creditors, lenders, debt collectors, rental agencies, employers, courts, and law enforcement agencies.

CA’s Exclusive Investigative Period

CA agrees to investigate your potential consumer law claims in good faith. By signing this agreement, you agree to give CA the exclusive right to investigate your potential consumer law claim(s) for the next 180 days (“Exclusive Investigative Period”). For the duration of the Exclusive Investigative Period, you agree that you will not communicate with any other law firm or legal representative about your potential consumer law claim(s). You agree to forgo any previously scheduled consultation or case review until CA’s Exclusive Investigative Period concludes.

Termination of Exclusive Investigation Period

CA agrees that the Exclusive Investigative Period may not extend beyond 180 days without your prior written consent.

At any time between the date of this agreement and the expiration of CA’s Exclusive Investigative Period, CA may inform you of the outcome of its investigation. If CA’s investigation reveals that you have an actional consumer law claim, CA may ask you to sign a formal retainer agreement. If CA’s investigation does not reveal an actionable consumer law claim, you will receive an e-mail that states CA will not represent you in any further pursuit of your potential claim(s).

The relationship between you and CA automatically terminates at 5pm on the 180th day of the Exclusive Investigative Period or your receipt of CA’s written notice to decline representation, whichever comes sooner. At the conclusion of the Exclusive Investigative Period or upon receipt of CA’s written declination of representation, you are permitted to seek alternative legal counsel without penalty.

Nothing in this agreement should be construed as a promise or guarantee that CA will represent you in a consumer lawsuit at any point in time. CA reserves the right to decline to represent you for any reason permitted by relevant laws and ethical rules.

Your Involvement and Promises to us

You agree to meaningfully participate and cooperate in CA’s investigation of your potential consumer law claim(s). You agree to immediately inform CA if your mailing address, e-mail address, or phone number changes at any point during the Exclusive Investigative Period.
You agree to provide all relevant information, communications, documents, materials, and all other similar instruments to CA and its representatives during the Exclusive Investigative Period. You understand that your failure to provide all relevant information, communications, documents, and materials to CA during the Exclusive Investigative Period may hinder, delay or otherwise frustrate CA’s investigation of your potential consumer law claim(s).

You agree, under penalty of perjury, to provide complete, accurate, and truthful information to CA. All documents and communications, oral or written, past or future, provided to CA during the Exclusive Investigative Period and anytime thereafter are presumed by CA to be true, complete, and accurate.

Fees and Costs Incurred During Exclusive Investigative Period

CA agrees that you will not incur any out-of-pocket fees or costs during CA’s Exclusive Investigative Period. However, if CA agrees to represent you in a consumer lawsuit, CA may recover the fees and costs incurred during the Exclusive Investigative Period from the Defendant pursuant to a future settlement or judgment.

You agree that CA has a right to place a lien on any future monetary recovery obtained by client related to the claims identified during CA’s Exclusive Investigative Period or as a result of CA’s investigative efforts. If you refuse to cooperate with CA in the formal pursuit of the consumer law claim(s) it identifies during or after the Exclusive Investigative Period, you agree that CA has the right to recover the fees and costs it incurred while investigating your potential consumer law claim(s).

Authorization to Use Your Electronic Signature

CA will send you any and all documents that require your signature. You authorize CA to affix your electronic signature to requests, disclosures, or other forms that CA deems reasonably necessary to the investigation of your potential consumer law claim(s) upon receipt of your approval or after the 7th day after the document was sent to you, whichever comes first. Your electronic signature will be used on any and all other subsequent documents that will need signature, affirmation, acknowledgment, or any other forms of authentication in reference to this matter under the above referenced procedure.

1You also agree to give CA the exclusive authority to investigate potential violations of state-specific consumer protection statutes.

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