Page 24: Consumer Rights Blog

  • Blog
what does pre qualified mean for a credit card
22 Apr, 2024
Daniel Cohen
What does it mean when you’re pre-qualified for a credit card?
Pre-qualified means you fit some of the criteria needed for a specific credit card
1292
8 min
how to negotiate credit card debt
22 Apr, 2024
Daniel Cohen
How to negotiate with creditors to remove negative reports
Negative reports can be deleted from your credit report
1437
3 min
woman in despair thinking about credit card fraud
22 Apr, 2024
Daniel Cohen
Are Debit Cards Protected from Fraud
Consumer Attorneys Uncover Risks Associated with Debit Card Fraud and How You Can Prevent Being Victimized!
1048
10 min
how to report a job scammer
22 Apr, 2024
Daniel Cohen
How to report a scam job listing
You shouldn’t keep quiet about a scam job listing
2106
11 min
cash advance vs personal loan
22 Apr, 2024
Daniel Cohen
Personal loan vs. cash advance: Which is better?
Both of them have their own unique pros and cons
1144
11 min
what is a credit card hardship program
22 Apr, 2024
Daniel Cohen
What is a credit card hardship program?
It can help you out in tough times
1006
11 min
establish damages under credit reporting
22 Apr, 2024
Daniel Cohen
Is a formal loan application necessary to establish damages under the Fair Credit Reporting Act?
In some situations, no.
927
11 min
incomplete information on financial responsibility
22 Apr, 2024
Daniel Cohen
What’s the effect of incomplete information on a consumer’s financial responsibility?
It does not affect a consumer’s financial responsibility.
878
11 min
do overdue library books affect credit
22 Apr, 2024
Daniel Cohen
Do Library Fines Impact Your Credit Score?
In most cases, no.
1491
7 min
attorneys help with credit report
22 Apr, 2024
Daniel Cohen
There is an error on my credit report. How can Consumer Attorneys help?
Thanks to Consumer Attorneys, a client was able to recover from multiple credit report errors.
1067
6 min
reasonable investigation
22 Apr, 2024
Daniel Cohen
What amounts to a reasonable investigation by a furnisher?
The reasonableness of the investigation depends on the circumstances of a case
1039
6 min
how to remove hard inquiries from your credit report
22 Apr, 2024
Daniel Cohen
Hard Inquiries Are Compromising Your Credit Score? Here’s What You Can Do
Hard inquiries appearing on credit reports are normal, and if you’ve applied for a form of credit, you have them on yours.
1270
5 min
Contact Us
INVESTIGATIVE ENGAGEMENT AGREEMENT

You, (“Client,” “you”), and Consumer Attorneys PLLC (“CA” or “we”), located at 72-47 139th street Flushing, NY 11367 (“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.

All Rights Reserved. Without Prejudice. CONSUMER ATTORNEYS

FORM # INV2024CA119

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