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M & A Legal Management

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Disclaimer:


* Additional fees may apply, depending on the complexity of individual matters, however no fees are charged without your authorization!


*The information forms and services contained in this web site and provided by our office is provided as a service to the Internet and general community, and does not constitute legal advice. We try to provide quality information, but we make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in or linked to our offices, our affiliates or associates/representatives and associated sites and we make no claim that any of the services contained in this web site or offered are appropriate for your particular needs. 


Legal advice must be tailored to the specific circumstances of each matter, case and jurisdiction, and laws are constantly changing, nothing provided herein should be used as a substitute for the advice of competent counsel within your local jurisdiction.


By using content and information from our offices, websites, our affiliates or associates/representatives and associated sites you agree to the following:

1). You will not rely on any information contained in this web site without personally consulting an attorney.

2). You agree that the forms contained in or provided by this offices, our affiliates or associates/representatives and associated sites may not be appropriate for your particular needs and are offered for informational purposes only.

3). No attorney/client relationship is created between you this offices, our affiliates or associates/representatives or associated sites by your viewing, purchasing of services or use of any information or form contained in this web site or provided by our offices, our affiliates or associates/representatives and or associated sites.

4.) To be bound by this disclaimer and  M & A Legal Management Fee Agreement (FA), Power of Attorney (POA) and Independent Contractors Agreement (ICA).


Consumer Credit File Rights (CROA Disclosure)

Consumer Credit File Rights Under State and Federal Law
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor a credit repair company or credit repair organization has the right to have accurate, current and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported up to 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violated the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

Right Of Cancellation Notice

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute that accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch Federal Trade Commission Washington, D.C. 20580.

Digital Signatures 

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. Read more at the FTC web site: http://www.ftc.gov/os/2001/06/esign7.htm