FREQUENTLY ASKED QUESTIONSÂ
are important because they help you understand the fullness of our service and what it means to become a private person under the law.
We have curated this information as well as extensive research that lays out our reference sources.
We work hard to set a standard of high quality service to suit your needs. So keep reading to find out what makes us the best in the industry.
Clear Answers to Your Questions About Our Service
FREQUENTLY ASKED QUESTIONS: ADVOCACY VS. LEGAL PRACTICE
IMPORTANT NOTICE: WE ARE NOT ATTORNEYS. WE DO NOT PROVIDE LEGAL ADVICE OR COURT REPRESENTATION.
1. What is the fundamental difference between your service and a law practice?
A licensed law practice is authorized to provide legal advice, represent clients in court, draft pleadings, and negotiate the settlement of lawsuits. Attorneys are bound by strict ethical rules and professional liability standards. Our rules and professional standards are governed primarily by our contracts with you.Â
Our service operates as an institutional advocate focused on industry compliance and administrative investigation. We provide research, analysis, and document preparation for administrative purposes (e.g., regulatory complaints and servicer requests). We do not represent you in court, nor do we offer legal advice or legal services.
2. What specific activities are you prohibited from performing?
We are strictly prohibited from engaging in the Unauthorized Practice of Law (UPL). This includes, but is not limited to, the following activities in connection with a pending foreclosure action:
Court Representation: We cannot appear in court or before a judge on your behalf.Legal Advice: We cannot advise you on your legal rights, remedies, or litigation strategy (e.g., whether to file a motion or which legal defense to assert).
Pleading Preparation: We cannot prepare, draft, or file pleadings, motions, or other documents intended for use in court.Negotiation of Lawsuits: We cannot negotiate the settlement, modification, or reinstatement of your mortgage loan as your representative in the context of the pending lawsuit. We can provide information to you from known public sources for education and research purposes only. You are responsible for fact checking the validity of the information we provide and how you would like to use it.
3. If you cannot draft court documents, what is the purpose of the research documents I receive?
The documents we provide are for administrative compliance and educational purposes only. They are based on investigative research, public data, and codified citations (e.g., RESPA, TILA, and Statutes) to help you understand the factual and compliance history of your administrative claims.
Intended Use: The documents are designed for submission to administrative bodies (like the CFPB or OFR) or to the mortgage servicer (like a Qualified Written Request or Notice of Error) to compel compliance and accurate accounting.
Not for Filing: The documents are not intended for filing in any court unless we have arranged for your documents to be prepared by a paralegal under the instruction of our General Counsel. If you choose to use the information in a legal proceeding, you must consult with your attorney, who will review, edit, and adapt the research to fit your specific legal strategy and court requirements.
 4. Why do I need to agree to the Hold Harmless and Indemnification Agreement?
Because we are not a law firm, we require the Hold Harmless and Indemnification Agreement to clearly define the non-legal nature of our relationship and to protect our organization from liability arising from your legal decisions. By signing, you acknowledge that:
- You Assume Risk: You assume all risks associated with your use of the information and any legal decisions you make.
- You Must Obtain Counsel: You confirm that you have been strongly advised to retain licensed legal counsel for representation in your foreclosure action, as only an attorney can provide legal advice and representation in court.
5. Can I still use your service if I hire an attorney?
Yes. Our service is designed to complement the work of your attorney by providing detailed investigative research and administrative compliance documentation. We can provide your attorney with the factual and compliance analysis necessary to build your legal defense.
6. What happens if I use your documents in court without an attorney?
If you proceed pro se (representing yourself), you will be held to the same standards as a licensed attorney and will be expected to know and follow all laws and rules of procedure.
Using documents prepared by a non-lawyer for filing in court may subject you to scrutiny by the court and opposing counsel, and the documents may be stricken if they are found to violate court rules or constitute UPL. This can be avoided by simply performing due diligence to use the information for its intended purpose to educate yourself and meet the courts standards whether you are represented or not.
NOTICE OF SERVICE TERMS AND CONDITIONS
We Do professional Claims
To put that into context, a claim is any statement you are making (oral or written) to assert your right to something, your ownership of something, your entitlement to something, etc. Here is a definition pulled from Blacks Law Dictionary 4th Edition.
We are here to identify these claims, and how to make them for administrative purposes. That means we can look at your loans, applications, notes, leases, citations, disclosures, policies, guidelines, etc., to assert claims under your power of attorney.
No Existing Claims Needed
Jurisdiction and standing are important claims to build. Especially if you have incomplete records regarding material elements of your transaction.
Our goal is to help you identify the need for strategic claims in your administration of any Consumer Credit transaction.
We assess things like securities impact, due process, inalienable rights, equity, material facts, and standing to help you develop a strong approach to a permanent solution or remedy.
If you are unsuccessful with administration or need help, one of our trained advocates and Subject Matter Experts (SMEs) will take a look at your documents and may be assigned as your Power of Attorney in fact.
What Do We Need To Get Started Today?
We've already done the hard part by performing the research in certain industries having heavy impact on consumers. All we need you to do is send us any documents you have. Pull the receipts from all your commercial contracts and fill out the form toward the bottom of this page.
Once you hit send, you'll receive instructions at the email you provide. Once we have gathered the details of your claim. We will assign your case to one of our team members who will let you know if we have enough data to administer any claims found in your contracts.
We administer claims using all applicable laws so we may request additional information and/or agreements before we perform our service as your Consumer Claims Advocate.
