THE NICHOLS LAW FIRM, PLLC

Client Information

Please complete the information below in full. Your information will be kept confidential, and we never share your information with anyone without your written approval. (Please print legibly)

Credit Karma Account Information

Please go to www.CreditKarma.com, and set up an account (it's totally free). Please provide your login information below so we can keep track of your progress (you can track progress, too):

I certify the information above is correct, and will notify my lawyer if anything changes.

LEGAL SERVICES AGREEMENT FOR CREDIT SERVICES

This Legal Services Agreement for Credit Services ("Agreement") is between You ("Client"), and THE NICHOLS LAW FIRM, P.L.L.C. ("TNLF") for the provision of credit services and terms thereof. Scope of Work, Agreement Not to Dual-Hire, & Obligations of Client Client hires TNLF to provide credit services and to represent Client in related claims. Services include, but are not limited to advising Client on credit-related matters, communication with current, former, and future creditors, third party debt collectors, sureties, and/or credit bureaus, investigating and/or disputing information contained in Client's credit reports and/or debts allegedly owed by Client, attempting to correct or remove erroneous or inaccurate information from Client's credit report(s), and/or filing a lawsuit against a creditor or debt collector to enforce Chapter 392 of the Texas Finance Code. Client permits TNLF to sign client's name on dispute letters to creditors/debt collectors, and gives TNLF permission to file and authority to settle a lawsuit on Client's behalf in order to further the objectives of Client under this Agreement, including signing any settlement agreement on Client's behalf, if necessary. Client agrees he/she has not and will not hire anyone else to perform credit services during the term of this Agreement. Client agrees to tell TNLF the truth in all matters. Client agrees to provide TNLF a copy of all documentation Client receives from a creditor, debt collector, credit bureau, or other entity related to this Agreement within 5 days of receipt. Client agrees to promptly respond to all requests and communications from TNLF.

Receipt of Disclosures

Client acknowledges receipt of disclosures entitled Consumer Credit File Rights Under State and Federal Law, notice regarding non-profit consumer counseling and two copies of a sample notice of cancellation.

Term of Agreement & Termination

Client's employment of TNLF will automatically expire 180 days after execution hereof. Any obligations owed by Client under this Agreement shall remain in effect until satisfied along with all rights and remedies available to TNLF as to the enforcement of this Agreement. You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right.

Attorney's Fees / No Out-of-Pocket Costs to Client

Client shall have no out-of-pocket costs associated with this Agreement. Any fees shall be paid out of settlements.

In the event TNLF negotiates a settlement or obtains a judgment on client's behalf (which includes a payment from a debt collector or creditor), either by making a surety bond claim, filing a lawsuit, or threatening to file a lawsuit for debt collection related claims, Client agrees TNLF shall be entitled to retain the first $3,000 from each creditor/debt collector, which shall be considered legal fees. TNFL and Client shall then split any remaining funds equally. Further, Client understands it may be necessary for TNLF to advance costs and expenses (e.g. postage, filing fees, service of process, etc Client agrees TNFL may be reimbursed for any such costs or expenses out of Client's share of the settlement or judgment proceeds, if any, prior to disbursement to Client. If there is no monetary recovery to Client, TNLF is not entitled to be reimbursed for any costs or expenses advanced on Client's behalf, and Client will not owe any attorney's fees. Further, Client shall not be obligated to pay any fees to TNLF for accounts/tradelines which are resolved in Client's favor, but which do not result in a monetary recovery. In TNLF's experience, most settlements involving a monetary payment are not substantial enough for Client to receive any money back. Each case is different, though. However, so long as a settlement includes terms favorable to Client's credit rating, Client is satisfied with this fee arrangement and considers these terms reasonable.

Supremacy, Severance, Performance, Governing Law, and No Guarantee

This Agreement is entire and supreme to any other agreement between Client and TNLF, express or implied, and is amendable only by written agreement of the parties. If any portion or clause of this Agreement is held void, unlawful, or invalid, all other provisions remain in full force and effect. TNLF is a Texas law firm operating in Texas under Texas law. The parties agree this is a Texas contract and all rights and/or remedies shall be construed under Texas law, and shall only be resolved in an appropriate Texas forum. Client represents Client is entering/staying in Texas and doing business with a Texas entity; not vice- versa. Client represents Client is a Texas resident or domiciliary and wants to be treated as such under this Agreement. This agreement is executed, services shall be rendered, and performance shall be exclusively in San Antonio, Bexar County, Texas. TNLF's principal office is located at 309 W. Dewey Pl., Ste. B201-540, San Antonio, TX 78212. A copy of this Agreement has the same force as the original. Client understands TNLF makes no promises or guarantees as to the outcome of Client's case.

IN WITNESS WHEREOF, this Agreement is executed by:

IMPORTANT INFORMATION & RULES OF THE ROAD

During the credit repair process, it is necessary for you to do and not do certain things. First and foremost, it is extremely important you tell us the truth. If you're not completely forthcoming it will make it difficult to help you. The facts might not be in your favor, but it's important we know them SO we can do our best to help you. It is important you understand and adhere to the following terms while we're working for you:

1)You MUST continue to pay your bills on time, even if you make the minimum payment. A new late payment can lower your credit score up to 100 points, and there is little we can do to help. Credit repair does not mean you stop paying your bills.

2) Don't open any new accounts or close existing accounts without checking with us first. Depending on the type of account, it can have a negative impact on your credit score, and it's important we discuss this with you before you take action. Send us a copy of everything you receive from a credit bureau or debt collector. 

3) It's likely creditors, credit bureaus, or debt collectors will send you mail. While you don't need to send us regular invoices from creditors (i.e. electric bills, telephone bills, etc, you should send us a copy of all letters or other reports you receive from credit bureaus or debt collectors. You can send them by mail, fax, or email.

4) You are making a decision to hire us for six (6) months. When you hire us we begin investing a significant amount of work on your file - often before results are realized. This means, after the three-day cancellation period ends, you cannot cancel our services to avoid paying for work already done. If you cancel before we have a chance to conclude our work, you'll be responsible for all work we've already performed at the market rate.

5) We may need to discuss your credit with other professionals. By hiring us, you enjoy attorney-client privilege, and we must keep what you tell us confidential. However, if you are working with a real estate agent, mortgage broker, or other professional towards a particular financial goal, purchase, etc., it may be necessary to talk to them about your situation and our work. You agree we may discuss your credit rating and related matters with such professionals, unless you explicitly instruct us, in writing, not to communicate with a particular person or business.

I certify I have read the above, understand the instructions, and agree to abide by them.