Clients
What type of clients are we enrolling?
In financial distress, unhappy, likely has a low credit score
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.
Who is the managing attorney of Morning Law Group?
Ty Carss
What is a cease and desist letter?
The letter that demands any communications to halt and be directed to a different party, outside of routine billing statements
What is the minimum debt load Morning Law Group will enroll?
$6,000
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 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
When is an attorney assigned to a case?
When a client receives a summons or other legal action
What is a dispute letter?
The letter that demands a creditor or third-party collector to provide the requested documents to prove they can collect on the debt
What amount do we charge if a BK client wants to enroll an account with an active summons?
$500
For new clients, when do the dispute letters to the credit bureaus go out?
15 days from when the first payment clears
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 is a Client Authorization Letter?
Legal authorization to be represented by an attorney; document if signed by a client means that they now enabled the attorney to act on their behalf and represent them
What is a Client Authorization Letter?
Legal authorization to be represented by an attorney; document if signed by a client means that they now enabled the attorney to act on their behalf and represent them
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.
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 average time it takes to see some finalized results with Morning Law Group?
20-24 months
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.
If a client sends an email to MLG stating their request to cancel, which protocol should you follow?
Written Cancellation Request Protocol
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.
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.
Where does Morning Law Group operate?
Nationwide. In nearly all 50 states plus the District of Columbia
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 default judgment?
The final decision made by a court or judge.
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