T HE N ICHOLS L AW F IRM
 A P R O F E S S I O N AL L I M I T E D L I A B I L I T Y C O M P A N Y 

CLIENT INFORMATION SHEET
Please complete the information below in full. Your information will be kept confidential, and wenever share your information with anyone without your written approval. (Please print legibly)

Full Legal Name:
Address:

Social Security Number: ________________________ Date of Birth:
Primary Phone Number:
Secondary Phone Number:
Email Address (print clearly):
Previous Name(s) Used:

Credit Karma Account Information
Please go to www.creditkarma.com, and set up an account (it’s totally free). Please provide yourlogin information below so we can keep track of your progress (you can track progress, too):
Username: ______________________________ Password: _____________________________
Financing / Credit Extension Denials and/or High Interest Rates:
Please describe any denials of credit and/or any instances where you have been made to pay higher
interest rates and/or premiums (i.e. home or auto loan; credit card, store financing, insurance, etc).

Authorization to Communicate with Third Parties
I give The Nichols Law Firm, P.L.L.C. permission to communicate with my real estate broker/agent, or otherprofessionals regarding the status of my file, including providing updates, information individual accounts resolved,
time estimates, strategies for reaching your goals, etc. You do not have to grant this authorization. If you choose notto, please just cross through this section and initial in the margin.

I certify the information above is correct, and will notify my lawyer if anything changes.

______________________________________
Signature of Client

Dated: ________________________

Rev. 2/16/19

LEGAL SERVICES AGREEMENT FOR CREDIT SERVICES
This Legal Services Agreement for Credit Services (“Agreement”) is between ____________________________________(“Client”), and THE NICHOLS LAW FIRM, P.L.L.C. (“TNLF”) for the provision of credit services and terms thereof.
Scope of Work, Agreement Not to Dual-Hire, & Obligations of Client
Client hires TNLF to provide credit services and to represent Client in related claims. Services include, but are not limited toadvising Client on credit-related matters, communication with current, former, and future creditors, third party debt collectors,sureties, and/or credit bureaus, investigating and/or disputing information contained in Client’s credit reports and/or debts
allegedly owed by Client, attempting to correct or remove erroneous or inaccurate information from Client’s credit report(s),and/or filing a lawsuit against a creditor or debt collector to enforce Chapter 392 of the Texas Finance Code. Client permits
TNLF to sign client’s name on dispute letters to creditors/debt collectors, and gives TNLF permission to file and authority tosettle a lawsuit on Client’s behalf in order to further the objectives of Client under this Agreement, including signing any
settlement agreement on Client’s behalf, if necessary. Client agrees he/she has not and will not hire anyone else to perform
credit services during the term of this Agreement. Client agrees to tell TNLF the truth in all matters. Client agrees to provide
TNLF a copy of all documentation Client receives from a creditor, debt collector, credit bureau, or other entity related to thisAgreement within 5 days of receipt. Client agrees to promptly respond to all requests and communications from TNLF.
Receipt of Disclosures
Client acknowledges receipt of disclosures entitled Consumer Credit File Rights Under State and Federal Law, notice regarding
non-profit consumer counseling and two copies of a sample notice of cancellation.
Term of Agreement & Termination
Client’s employment of TNLF will automatically expire 180 days after execution hereof. Any obligations owed by Client under
this Agreement shall remain in effect until satisfied along with all rights and remedies available to TNLF as to the enforcementof this Agreement. You may cancel this contract without penalty or obligation at any time before midnight of the 3 rdbusiness day after the date on which you signed the contract. See the attached notice of cancellation form for anexplanation of this right.
Attorney’s Fees / No Out-of-Pocket Costs to Client
Client shall have no out-of-pocket costs associated with this Agreement. Any fees shall be paid out of settlements.
In the event TNLF negotiates a settlement or obtains a judgment on client’s behalf (which includes a payment from a debt
collector or creditor), either by making a surety bond claim, filing a lawsuit, or threatening to file a lawsuit for debt collection
related claims, Client agrees TNLF shall be entitled to retain the first $3,000 from each creditor/debt collector, which shall beconsidered legal fees. TNFL and Client shall then split any remaining funds equally. Further, Client understands it may benecessary for TNLF to advance costs and expenses (e.g. postage, filing fees, service of process, etc.). Client agrees TNFL may
be reimbursed for any such costs or expenses out of Client’s share of the settlement or judgment proceeds, if any, prior to
disbursement to Client. If there is no monetary recovery to Client, TNLF is not entitled to be reimbursed for any costs orexpenses advanced on Client’s behalf, and Client will not owe any attorney’s fees. Further, Client shall not be obligated to payany fees to TNLF for accounts/tradelines which are resolved in Client’s favor, but which do not result in a monetary recovery.
In TNLF’s experience, most settlements involving a monetary payment are not substantial enough for Client to receive any
money back. Each case is different, though. However, so long as a settlement includes terms favorable to Client’s credit
rating, Client is satisfied with this fee arrangement and considers these terms reasonable.
Supremacy, Severance, Performance, Governing Law, and No Guarantee
This Agreement is entire and supreme to any other agreement between Client and TNLF, express or implied, and is amendable
only by written agreement of the parties. If any portion or clause of this Agreement is held void, unlawful, or invalid, all otherprovisions remain in full force and effect. TNLF is a Texas law firm operating in Texas under Texas law. The parties agree thisis a Texas contract and all rights and/or remedies shall be construed under Texas law, and shall only be resolved in an
appropriate Texas forum. Client represents Client is entering/staying in Texas and doing business with a Texas entity; not viceversa. Client represents Client is a Texas resident or domiciliary and wants to be treated as such under this Agreement. Thisagreement is executed, services shall be rendered, and performance shall be exclusively in San Antonio, Bexar County, Texas.
TNLF’s principal office is located at 309 W. Dewey Pl., Ste. B201-540, San Antonio, TX 78212. A copy of this Agreement has
the same force as the original. Client understands TNLF makes no promises or guarantees as to the outcome of Client’s case.
IN WITNESS WHEREOF, this Agreement is executed by:
X____________________________________________

Dated: ____________________

Client’s Printed Name: _____________________________

Rev. 1/8/2024
NO-OP

IMPORTANT INFORMATION & RULES OF THE ROAD*** READ THIS DOCUMENT CAREFULLY ***During the credit repair process, it is necessary for you to do and not do certain things. First andforemost, it is extremely important you tell us the truth. If you’re not completely forthcoming it will
make it difficult to help you. The facts might not be in your favor, but it’s important we know them so
we can do our best to help you.
It is important you understand and adhere to the following terms while we’re working for you:1)

You MUST continue to pay your bills on time, even if you make the minimum payment. A
new late payment can lower your credit score up to 100 points, and there is little we can do tohelp. Credit repair does not mean you stop paying your bills.

2)

Don’t open any new accounts or close existing accounts without checking with us first.
Depending on the type of account, it can have a negative impact on your credit score, and it’s
important we discuss this with you before you take action.

3)

Send us a copy of everything you receive from a credit bureau or debt collector. It’s
likely creditors, credit bureaus, or debt collectors will send you mail. While you don’t need tosend us regular invoices from creditors (i.e. electric bills, telephone bills, etc.), you should
send us a copy of all letters or other reports you receive from credit bureaus or debt collectors.
You can send them by mail, fax, or email.

4)

You are making a decision to hire us for six (6) months. When you hire us we begin
investing a significant amount of work on your file – often before results are realized. Thismeans, after the three-day cancellation period ends, you cannot cancel our services to avoid
paying for work already done. If you cancel before we have a chance to conclude our work,
you’ll be responsible for all work we’ve already performed at the market rate.

5)

We may need to discuss your credit with other professionals. By hiring us, you enjoy
attorney-client privilege, and we must keep what you tell us confidential. However, if you areworking with a real estate agent, mortgage broker, or other professional towards a particularfinancial goal, purchase, etc., it may be necessary to talk to them about your situation and ourwork. You agree we may discuss your credit rating and related matters with suchprofessionals, unless you explicitly instruct us, in writing, not to communicate with aparticular person or business.

I certify I have read the above, understand the instructions, and agree to abide by them.

__________________________________
Signature of Client

Dated: _________________

Name:_____________________________
Rev. 9/27/19
NO-OP

IMPORTANT DISCLOSURES ABOUT YOUR RIGHTS AS REQUIRED BY LAW
Pursuant to 15 USC §1679c, we are required to provide you the following information and disclosures: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 any ‘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 for 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 (about $10/ea.). 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 areunemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you havereason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organizationthat violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have theright 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 mayoccur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. Thecredit 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 thecredit bureau. If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement tothe credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summaryof 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.

DO NOT SIGN HERE UNLESS YOU WISH TO CANCELNOTICE OF NON-PROFIT CONSUMER COUNSELING PURSUANT TO §393.105(9), TEXAS FINANCE CODE: There arenon-profit, credit counseling services available to you. Credit counseling services work with your creditors to consolidate debts, reduce
interest rates, reduce or remove fees, and accept monthly payments so you can pay off debts faster than you normally might be able toif the accounts were still open under your original agreement with the creditor. If you’re interested in credit counseling you may call(800) 270-6696 or visit www.aadmo.org.
Pursuant to Section 393.202 of the Texas Finance Code, below are two detachable copies of a cancelation notice.

FIRST COPY
Notice of Right of Cancellation
You may cancel this contract, without any penalty or obligation, within three days after the date this contract issigned. If you cancel, any payment made under this contract will be returned within 10 days after the date ofreceipt by the seller of your cancellation notice. To cancel this contract, mail or deliver a signed dated
copy of this cancellation or other notice to 309 W. Dewey Pl., Ste. B201-540, San Antonio, Texas 78212. This
contact may be canceled not later than midnight on the third day following the date you sign this contract.

I hereby cancel this contract.
Name:_____________________________ Signature: ____________________________ Date: ________(detach here if desired)

SECOND COPY
Notice of Right of Cancellation
You may cancel this contract, without any penalty or obligation, within three days after the date this contract issigned. If you cancel, any payment made under this contract will be returned within 10 days after the date ofreceipt by the seller of your cancellation notice. To cancel this contract, mail or deliver a signed dated
copy of this cancellation or other notice to 309 W. Dewey Pl., Ste. B201-540, San Antonio, Texas 78212. Thiscontact may be canceled not later than midnight on the third day following the date you sign this contract.

I hereby cancel this contract.
Name:_____________________________ Signature: ____________________________ Date: ________
Rev. 1/22/22