Morning Law Group Basics
Who is the managing attorney of Morning Law Group?
Ty Carss
What do you always need to do before you exit a client's file?
Leave a note
For new clients, why is the first payment so important?
The first payment gets the cease and desist letters sent out to enrolled creditors/debt collectors
What is the minimum debt load Morning Law Group will enroll?
$8,000
What is pre-litigation?
Pre-litigation is when a settlement occurs before a lawsuit
What does MLG do if the creditor provides sufficient/valid documentation for our clients debt accounts?
Wait for the OC (original creditor) to either sue the client or sell the debt to a 3rd party
Why does our legal services agreement mention the state of California?
Our firm is a corporation in the state of California
For new clients, when do the dispute letters to the credit bureaus go out?
15 days from when the first payment clears
What amount do we charge if a new client wants to enroll an account with an active summons?
$1,000
Does Morning Law Group handle pre-litigation?
MLG does not offer pre-litigation services, but if a creditor sends a pre-litigation offer, MLG's legal team will review the pre-litigation offers received.
Where does Morning Law Group operate?
Nationwide. In nearly all 50 states plus the District of Columbia
When is an attorney assigned to a case?
When a client receives a summons or other legal action
For new clients, when do the dispute letters to the enrolled creditors and debt collectors go out?
60 days from when the bureau dispute letters are sent
What is the "right to offset"?
When a financial institution has the ability to grab money out of a deposit account, like a checking or savings, in order to satisfy an outstanding debt to the same institution.
What is a charge off on a client's credit report?
When a company writes off a debt as a loss. This occurs when a creditor has essentially given up collecting on a debt due to a lack of payment from the debtor.
What are Morning Law Group's services?
We are providing clients with dispute services for invalid and illegal debts, representing clients if they are in a lawsuit or get sued on an Enrolled Account, and assisting clients with claims against a creditor or debt collector who is violating the laws.
What do we do if a client received a garnishment and was unaware this was going to happen?
Follow the proper protocol. After we confirm the account details with the client, immediately follow instructions of contacting the legal team and informing them of the urgent matter; We inform the client that this will be escalated and the legal team will follow up
What does it mean to dispute?
To challenge the legality of a debt to prove if the creditor has the documentation that gives the creditor the right to collect from the client and prove the client incurred the debt.
What is a debt consolidation program?
When all the debts are combined into one that the client pays off; must qualify with high credit score- taking out one loan to pay off another loan.
If the client questions the value of our services, what do we always refer back to?
Always refer to our main services - what are we doing for the client? We are providing you with dispute services for invalid and illegal debts, representing you if you are in a lawsuit or get sued on an Enrolled Account, and assisting you with claims against a creditor or debt collector who is violating the laws.
Can Morning Law Group representatives tell clients to stop paying on their enrolled accounts?
No, this is entirely up to the clients decision.
Attorney notes are for internal reference only. True or False
True
What is a garnishment?
A court order directing that money or property of a third party (usually wages paid by an employer) be seized to satisfy a debt owed by a debtor to a plaintiff creditor.
What is a debt settlement program?
It is when the debts are reduced to a lower amount that the client can pay off, the client pays a monthly payment and the settlement company works on one account at a time. Does not start settling a debt until there is enough funds in the clients account.
What is a default judgment?
The final decision made by a court or judge.