Complete Your Enrollment

IDENTIFICATION OF PARTIES.
This Agreement is entered into between Monay & Company, LLC, doing business as Monay & Associates, LLC (“M.A.A.” or “Company”), and [Client Name], residing at [Client Address] (“Client”).

PURPOSE OF THIS AGREEMENT.
Client engages M.A.A. to provide structured account-level consumer advocacy services under the Consumer Account Intervention & Resolution Program (“CAIRP”). The Program includes (i) data collection and record development, (ii) account auditing for accuracy, enforceability, and compliance, and (iii) resolution or escalation services when appropriate.

M.A.A. does not guarantee deletion, correction, score increases, or settlement outcomes. Services are process-based and time-bound.

SERVICES PROVIDED.

PHASE 1 – DATA COLLECTION & RECORD DEVELOPMENT
Phase 1 consists of structured data collection and record development. During this phase, M.A.A. will collect and organize relevant documentation necessary to establish a clear account record. This may include consumer reports, account statements, collection correspondence, prior dispute responses, payment history (if available), and other materials provided by the Client. M.A.A. may also submit written requests to creditors, furnishers, or other relevant entities for documentation necessary to clarify account ownership, balance calculation, reporting history, or investigation results. The objective of Phase 1 is to reconstruct the account timeline, identify documentation gaps, and establish a defensible record for further review. Phase 1 concludes once documentation has been collected to the extent reasonably available and an organized account file has been created.

PHASE 2 – ACCOUNT AUDIT & FINDINGS
Phase 2 consists of a structured account audit and findings analysis. M.A.A. will review the developed record to evaluate the account for (i) reporting accuracy, (ii) enforceability and documentation sufficiency, and (iii) procedural compliance under applicable consumer protection standards. This audit may include review of balance consistency, date accuracy, reporting discrepancies, duplicate reporting, ownership documentation, validation responses, and the adequacy of prior investigations or communications. Upon completion of the audit, M.A.A. will provide the Client with a written Account Audit Summary outlining findings, identified deficiencies (if any), and a recommended path forward. Phase 2 concludes upon delivery of the written audit findings and recommendation.

PHASE 3 – RESOLUTION OR ESCALATION (OPTIONAL ADDENDUM)
If Phase 2 findings support further action, the Client may elect to proceed with Phase 3 under a separate written addendum outlining scope and fees. Phase 3 consists of structured resolution intervention or formal escalation, depending on the circumstances of the account. Resolution intervention may include written notices of findings, structured documentation demands, reporting challenges, compliance escalation, or executive-level correspondence. If escalation is warranted and contractually available, the Client may elect arbitration coordination services under a separate agreement. M.A.A.’s role in Phase 3 is limited to the scope defined in the applicable addendum and does not include court representation or the provision of legal advice.

RESPONSIBILITIES OF M.A.A.
M.A.A. will perform services diligently, act under a limited Power of Attorney, and maintain communication with Client at each phase. All deliverables will be provided through a secure digital folder, organized by Enrollment, Phase 1, Phase 2, and Phase 3. M.A.A.’s services are limited to the scope defined in the selected engagement phase and do not extend beyond the defined intervention period unless a new written agreement is executed.

RESPONSIBILITIES OF CLIENT.
The Client agrees to fulfill the following responsibilities to ensure the effective provision of services by M.A.A.:

The Client will provide truthful, accurate, and complete information to M.A.A. regarding their financial circumstances and consumer files, and will cooperate fully throughout the term of this Agreement. This includes responding promptly to all requests for information or documentation necessary for M.A.A. to perform its services.

The Client agrees to promptly notify M.A.A. of any changes to their address, telephone number(s), email address, or general whereabouts that may affect communication. The Client will also keep M.A.A. informed of any material developments in their financial situation, including communications from consumer reporting agencies, creditors, data furnishers, debt collectors, or notices of legal action that may impact their case.

The Client will submit all requested documents, including consumer reports, account statements, correspondence from furnishers or agencies, and any other relevant materials, in a timely manner. Delays in providing requested documents may hinder the progress of the case and M.A.A.’s ability to perform services effectively.

The Client agrees to make all payments required under this Agreement on time and in full, according to the fee schedule provided. Failure to make timely payments may result in the suspension, delay, or termination of services.

The Client agrees to provide all requested documents or information within three (3) business days of M.A.A.’s request. Failure to provide requested information within this timeframe may result in suspension or termination of services at M.A.A.’s discretion, without refund of fees paid.

INFORMATION SHARING.
The Client authorizes Monay & Associates, LLC (“M.A.A.”) to share the Client’s case information, personal information, and documentation as reasonably necessary with M.A.A. staff, employees, contractors, affiliates, referral partners, and law firm partners for the purpose of providing services under this Agreement. Information will only be shared to the extent reasonably necessary to provide services or coordinate escalation.

FEES & PAYMENT TERMS.
Client agrees to engage M.A.A. for CAIRP, which includes Phase 1 (Data Collection & Record Development) and Phase 2 (Account Audit & Findings) for the account(s) specifically identified below.

Retainer Fee: $2,497

The $2,497 fee is due in full upon execution of this Agreement and must be paid before services begin. This fee is a non-refundable retainer for professional services to be rendered. The retainer secures M.A.A.’s time, analysis, document review, and preparation of formal findings and is earned upon commencement of services and delivery of Phase 2 audit findings.

This fee covers: Structured data collection and account record development; Documentation requests; Account timeline reconstruction; Reporting accuracy review; Enforceability and documentation sufficiency review; Compliance analysis; Written Account Audit Summary; Leverage Findings Report; Recommended Path Forward; Full case management and arbitration coordination.

Fees are not contingent upon deletion, correction, balance reduction, credit score increase, settlement, or any specific outcome. No services will be performed until the retainer has been received.

COLLECTION OF UNPAID INVOICES.
The Client agrees to pay all fees, charges, and invoices when due under this Agreement. Failure to make timely payments shall constitute a material breach of this Agreement and may result in suspension or termination of services. If any invoice remains unpaid beyond thirty (30) days, M.A.A. reserves the right, in its sole discretion, to: (i) assign, transfer, or sell the Client’s outstanding balance to a third-party collection agency or debt purchaser; (ii) pursue any and all lawful remedies available for collection, including but not limited to legal action; (iii) authorize the reporting of the delinquent balance to consumer reporting agencies; and (iv) recover from the Client all reasonable costs incurred in the collection process, including collection agency fees, court costs, and attorney’s fees, to the maximum extent permitted by law. Any legal action for the collection of unpaid invoices shall be brought exclusively in the state or federal courts located in Philadelphia County, Pennsylvania.

REFUND POLICY.
Client acknowledges that the Retainer Fee paid under this Agreement is for professional services to be performed under Phase 1 and Phase 2 of CAIRP. The Retainer Fee is non-refundable once services have commenced. Services are considered commenced upon initiation of file review, documentation analysis, account reconstruction, or preparation of audit findings. If Client elects to cancel this Agreement before services have commenced, Client may provide written notice within three (3) business days of execution to receive a refund of the Retainer Fee, less any administrative or processing costs incurred. After services have commenced, no refunds will be issued. Client dissatisfaction with findings, recommendations, or ultimate outcomes does not constitute grounds for refund.

CHARGEBACKS.
The Client agrees not to initiate a chargeback with your bank. Initiating a chargeback is considered fraudulent and a criminal act and will be treated accordingly to the full extent of the law. In the event that the client does initiate a chargeback, you agree to cover all attorneys fees and any costs associated with any legal proceedings M.A.A deems appropriate and or necessary.

LIMITATION OF SERVICES.
The services provided under this Agreement are limited to CAIRP. M.A.A.’s role is limited to consumer advocacy and structured account-level intervention. M.A.A. is not a law firm, does not provide legal advice, and does not represent clients in court. Nothing in this Agreement creates an attorney-client relationship. M.A.A. does not guarantee any specific result, including but not limited to credit score changes, account deletions, balance adjustments, settlement offers, arbitration awards, or favorable findings. Services are process-based and time-bound, and fees are earned upon delivery of defined services and written findings, not upon outcome.

DISPUTE RESOLUTION.
Any dispute arising under or relating to this Agreement shall first be subject to written notice of dispute sent to hello@monayandassociates.com. The Client must provide such written notice and allow M.A.A. ninety (90) days to investigate, respond, and attempt to cure any alleged issue before initiating legal action. If the dispute remains unresolved, either party may bring suit exclusively in the state or federal courts of Philadelphia County, Pennsylvania. Both M.A.A. and the Client retain the right, but not the obligation, to submit disputes to arbitration administered by the American Arbitration Association (“AAA”).

INDEMNIFICATION.
The Client acknowledges and accepts that they assume all risk of harm, injury, or financial loss arising from or related to the services provided under this Agreement. The Client agrees to release, indemnify, defend, and hold harmless Monay & Associates, LLC (“M.A.A.”), its officers, employees, agents, and representatives from and against any and all liability, claims, demands, damages, costs, expenses, and causes of action of any kind, whether known or unknown, arising out of or connected to the services rendered by M.A.A. This indemnification shall survive the termination of this Agreement.

ENFORCEABILITY.
If any provision of this Agreement is found to be invalid, illegal, or otherwise unenforceable, such provision shall be considered severable from the rest of the Agreement. The rest of the Agreement shall continue to be in full force and effect.

CELLULAR AND ELECTRONIC COMMUNICATIONS.
By entering into this Agreement, the Client consents to receive communications from Monay & Associates, LLC (“M.A.A.”), its partners, subcontractors, and any successor entities or service providers. Such communications may include prerecorded or artificial voice messages, calls made using automated dialing technology, text messages (SMS), and emails directed to any telephone number or email address provided by the Client. The Client may revoke consent to receive communications by providing written notice to M.A.A. through their Client portal.

DIGITAL SIGNATURE.
In 2000, the U.S. Electronic Signatures in Global and National Commerce (ESIGN) Act established electronic records and signatures as legally binding, having the same legal effects as traditional paper documents and handwritten signatures.

ACKNOWLEDGMENT. By signing below, Client acknowledges that they have read, understood, and agree to all terms of this Agreement, including the strict no-refund policy and chargeback prohibition.

Your signed agreement will be saved as a PDF in your client file.