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How long does the process take?
Answer:
Every case is different, but you should expect this to be a long-term legal process. In most cases, the full process can take approximately 24 to 48 months. This timeline depends on how quickly creditors, collectors, credit bureaus, and other third parties respond. Even when you don't hear from us, work may still be taking place behind the scenes.
Why was I charged a $25 fee?
The $25 fee is a returned payment fee outlined in your Client Service Agreement. When a scheduled payment is returned by your financial institution for any reason, the fee is applied to help cover the processing costs associated with the returned transaction.
What happens if I cancel my services?
You will no longer have legal representation through Elite Legal Practice, and creditors may start contacting you directly again.
How many returned or missed payments are allowed?
Generally, clients should have no more than 3 combined payment issues (or 6 for bi-weekly plans) within the last 12 months, including returned payments, partial payments, and deferments.
What does LOR stand for?
LOR stands for Letter of Representation, which notifies creditors that Elite Legal Practice represents you.
What should I do if a creditor or collector contacts me?
If a creditor or collector contacts you regarding an enrolled debt, do not feel pressured to make decisions on the spot. Document the contact by saving any letters, emails, texts, or voicemails and write down the date, time, phone number, company name, and what was discussed. Then send that information to us so our team can review it. Think of yourself as our eyes and ears.
Can I move my payment to a later date?
In many cases, yes. If the payment can be rescheduled before your next scheduled payment, we can submit a reschedule request. If the requested date falls after your next scheduled payment, we may need to review your account history and determine whether a payment deferment is available based on your enrollment history and prior payment activity.
What should I do after canceling?
Contact your creditors and make sure they have your current phone number, email, and mailing address so you don't miss important notices.
Can I re-enroll if I've canceled before?
Clients who have canceled representation twice are not eligible for re-enrollment.
What is a BPA?
BPA stands for Best Possible Arrangement, which refers to the most favorable payment or settlement terms available.
Will my monthly payment to Elite Legal Practice go toward paying my creditors?
No. Your monthly payment is for the legal representation and services provided by Elite Legal Practice. We are not a debt consolidation company, loan company, or escrow-style debt settlement program. Your payments are not sent directly to your creditors.
Why is there an additional $4 fee on future payments?
For certain enrollments that meet eligibility requirements, any changes made to the existing payment schedule may result in an additional $4 processing fee being added to future payments. This is due to changes in payment processing costs and applies only under specific enrollment conditions.
What if I already received court papers or a lawsuit?
Let us know before canceling. Legal documents often have deadlines, and it's important that they are reviewed as soon as possible.
Does meeting the basic requirements guarantee approval?
No. Meeting the minimum requirements does not guarantee approval. Management may review other account activity before making a final decision on re-enrollment.
What is the difference between PIF and SIF?
PIF (Paid in Full) means the entire balance was paid.
SIF (Settled in Full) means the debt was resolved for less than the full balance owed.
What happens if I receive a lawsuit or court documents?
Contact us immediately. If you receive anything from a court, attorney, law office, creditor, or collector that appears legal in nature, such as a summons, complaint, judgment, garnishment notice, or notice of intent to sue, send it to us right away. Do not ignore it, assume we already received it, or miss any deadlines. Prompt action is critical.
What happens if I can't make this payment at all?
If you're experiencing a financial hardship and cannot make the payment, we'll review your account history and determine what options may be available. Depending on your previous deferments and enrollment status, a payment deferment request may be considered and, if necessary, escalated for management approval.
How does ELP notify creditors a client has cancelled?
Physical mail/snail mail
What is the timeframe for internal re-enrollment before client requires a new enrollment by enrollment agent?
90 Days
What does OPC or OC mean?
OPC or OC stands for Opposing Counsel, meaning the attorney or law firm representing the creditor.
Will this improve my credit score?
Elite Legal Practice is not a credit repair company, and we cannot guarantee any specific credit score outcome. Our legal strategy focuses on challenging inaccurate, invalid, or improperly reported debt where supported by law. During the process, your credit may be affected, and score fluctuations can occur. We encourage clients to focus on the long-term financial goals of resolving their enrolled debts rather than short-term credit score changes.
How many payment deferments can I request?
Payment deferment eligibility depends on your account history and prior deferments:
Each request is evaluated individually based on account standing and payment history.
What if a Senior Advisor isn't available?
We'll submit a callback request, and a Senior Advisor will reach out to you as soon as possible. 24-48 hours
Does cancelling within 14 days change the process? If so, what is the process?
Yes. If your cancellation occurred within 14 calendar days (including weekends), an expedited re-enrollment process may be available, provided you meet the eligibility requirements.
What does SOL mean?
SOL stands for Statute of Limitations, which is the legal time limit for filing a lawsuit on a debt.