Page 6: FCRA Lawyer

how many hard inquiries is too many
3 Jul, 2024
Daniel Cohen
Multiple inquiries can impact your credit score - how many is too many?
Having lenders or landlords pull your credit report, also known as an inquiry, is a normal part of applying for things like housing or loans. But is there such a thing as too many inquiries, and can they detriment your credit health?
3032
11 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.
1125
5 min
average credit score by age 30
22 May, 2023
Daniel Cohen
What is a good credit score for a 30-year-old?
There isn’t a specific score
1062
11 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
900
6 min
A couple trying to figure out why their FICO score lower than credit score
3 Jul, 2024
Daniel Cohen
Why Is My FICO Score Lower Than My Credit Score?
Decode Your Low FICO Score and Discover Solutions with Consumer Attorneys!
2491
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.
930
6 min
do overdue library books affect credit
22 Apr, 2024
Daniel Cohen
Do Library Fines Impact Your Credit Score?
In most cases, no.
1320
7 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.
797
11 min
police car standing on the crossroad investigating identity theft
24 Jul, 2024
Daniel Cohen
How to Report Identity Theft to Police
Identity Theft Struggles? Learn How to Recover, Reclaim Control, and Get Help When You Need It!
1317
3 min
a person paid mortgage with a credit card and landlord giving her keys
23 Jul, 2024
Daniel Cohen
Can You Pay a Mortgage with a Credit Card?
Sometimes, paying your mortgage with a credit card makes sense. See if it’s right for you and if so, how to do it the right way.
1363
7 min
credit reporting errors strike
1 Sep, 2023
Daniel Cohen
Credit reporting errors strike victims when they least expect it
Consumer Attorneys has helped countless victims of credit reporting inaccuracies and is here for you.
863
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
884
11 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

I have read and agree to the Privacy Policy, Investigative Retainer
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