CFPB v Howard Law Claim Form

CFPB v. Howard Law Claims Administrator P.O. Box 5339

Portland, OR 97208-5339

<<Mail ID>>

<<Name 1>>

<<Name 2>>

<<Address 1>>

<<Address 2>>

<<Address 3>>

<<Address 4>>

<<Address 5>>

<<City>><<State>><<Zip>>

<<Country>>

TrackingNumber: <Tracking Number>>

<<DATE>>

To receive a payment, you must submit a claim by

<<Claims Due Date>>.

_{CLAIMS WORKSHEET}

Consumer Financial Protection Bureau v. Howard Law

Case No. 8:14-cv-01155-JVS (AJWx)

We are the Consumer Financial Protection Bureau (CFPB), a federal government agency that enforces laws that protect consumers. The CFPB sued Howard Law and its owners for charging illegal up-front fees for debt relief services and not describing their services accurately. The Bureau prevailed in its lawsuit, and the company’s records indicate that Howard Law collected fees from you in violation of the law.

If you believe you paid fees to Howard Law, you may be eligible for a refund.

If you have already received a check, and if any of the fees you paid to Howard Law are not included in the check you received, you may claim the additional fees you paid.

Here’s how:

1. Gather all the information about fees you paid to Howard Law,

including amount, date of payment, and description of fee, if known, along with

proof of all your payments, such as credit card or bank statements or copies of

canceled checks;

2. Use the optional worksheet to organize each claim; and

3. Sign, date, and return this form, either by emailing it to x or mailing it to P.O. Box 5339, Portland, OR 97208-5339.

COMPLETE THIS SECTION ONLY IF YOUR NAME AND ADDRESS PRINTED ABOVE NEED TO BE CORRECTED.

First Name* MI* Last Name* Business Name (if applicable)

*Please provide copies of supporting documentation for any name changes.

Mailing Address

City State ZIP Code

required

These are questions to consider before submitting your claim.

> Have you already received a refund for any of the fees you paid to Howard Law that are listed on this claim form?

> Why are we asking this question?

If you already received a fee refund from Howard Law, the State Bar of California, or

any other source, you are not eligible for another refund of the same fee. Please only list fees for which

you have not received a refund.

_{Yes No}

> Did you include proof of payment for all fees you paid to Howard Law?

> Why are we asking this question?

Fees for which you do not have a receipt or other “proof” of payment may not be eligible for a refund.

_{Yes No}

Please fill in the total dollar amount of the fees you paid. Attach copies of all payments and receipts.

●

Yes, I have attached a copy of proof of my file number.

Morgan Drexen or Howard Law File Number:

This worksheet is intended to help organize your receipts.

HOW MUCH DID YOU PAY

You need to send proof of the amount(s) of fees you paid to Howard Law so that we can

confirm your payments and process your refund claim. Make copies of the proofs of payment and any

receipts. Here are some ways you can provide proof of payment:

√ Canceled check image(s).

√ Canceled money order image(s).

√ eCheck receipt(s).

√ Credit card, debit card, or bank statement showing payment was sent to Howard Law.

√ Email confirmation from Howard Law or someone acting on its behalf that a specific

payment was received.

How much did you pay Howard Law from date, through date? Fill out one section for each payment you made.

Date of Payment (MM/DD/YY) Amount Payment made to:

/ / _●

Is proof of payment attached? Proof of payment is required for eligibility.

YES NO

Was this fee refunded already?

_{YES NO}

Date of Payment (MM/DD/YY) Amount Payment made to:

/ / _●

Is proof of payment attached? Proof of payment is required for eligibility.

YES NO

Was this fee refunded already?

_{YES NO}

Date of Payment (MM/DD/YY) Amount ^{Payment made to:}

/ / _●

Is proof of payment attached? Proof of payment is required for eligibility.

YES NO

Was this fee refunded already?

_{YES NO}

Date of Payment (MM/DD/YY) Amount ^{Payment made to:}

/ / _●

Is proof of payment attached? Proof of payment is required for eligibility.

YES NO

Was this fee refunded already?

YES NO

This worksheet is intended to help organize your receipts.

HOW MUCH DID YOU PAY

You need to send proof of the amount(s) of fees you paid to Howard Law so that we can

confirm your payments and process your refund claim. Make copies of the proofs of payment and any

receipts. Here are some ways you can provide proof of payment:

√ Canceled check image(s).

√ Canceled money order image(s).

√ eCheck receipt(s).

√ Credit card, debit card, or bank statement showing payment was sent to Howard Law.

√ Email confirmation from Howard Law or someone acting on its behalf that a specific

payment was received.

How much did you pay Howard Law from date, through date? Fill out one section for each payment you made.

Date of Payment (MM/DD/YY) Amount Payment made to:

/ / _●

Is proof of payment attached? Proof of payment is required for eligibility.

YES NO

Was this fee refunded already?

_{YES NO}

Date of Payment (MM/DD/YY) Amount Payment made to:

/ / _●

Is proof of payment attached? Proof of payment is required for eligibility.

YES NO

Was this fee refunded already?

_{YES NO}

Date of Payment (MM/DD/YY) Amount ^{Payment made to:}

/ / _●

Is proof of payment attached? Proof of payment is required for eligibility.

YES NO

Was this fee refunded already?

_{YES NO}

Date of Payment (MM/DD/YY) Amount ^{Payment made to:}

/ / _●

Is proof of payment attached? Proof of payment is required for eligibility.

YES NO

Was this fee refunded already?

YES NO

Frequently Asked Questions and Privacy Act Notice

Please keep for your records.

What is a file number?

A file number, also called an account number, is a 10-digit tracking number that Howard Law used as an identifier in its records.

Where can I find my file number or “file #”?

You can find your file number on documents sent to you by Howard Law. It may have been written on your records as “Client File No.” or “File #.” Look for this number on documents including:

• Invoices and monthly statements. Review invoices or monthly statements sent to you by Howard Law. The file number may be listed on the top right-hand corner.

• Letters from your law firm. Review any correspondence or letters from Howard Law including termination letters or engagement letters. The file number may be at the top of the letter, below your contact information.

• Client questionnaires. Review the first page of the client questionnaire sent to you by Howard Law.

What documentation should I send as proof of my file number?

Please send to the CFPB a copy of one of the above documents, sent to you by Howard Law, showing your name and file number. DO NOT SEND ORIGINALS. Documents will not be returned to you.

Why did you send me a claim worksheet ?

We sent you a claim worksheet because we obtained information indicating that you may have been a client of Howard Law or because you requested a claim worksheet. We’re providing an opportunity for you to send us more information about payments that you made to Howard Law that may be eligible for a refund. We will review all receipts to determine eligibility for refunds.

Why do I need to provide the requested information?

Your name, contact information, and payment information are used to verify that you are eligible for

refunds of payments that you made. Please submit your receipts by the deadline printed at the top of the claim worksheet. Please note that all information submitted is treated in accordance with the Privacy Act, described below.

What is my claim amount?

Your claim amount is the total amount of money that you paid to Howard Law in upfront fees.

Who is Epiq?

The CFPB has contracted with Epiq to administer claims and payments to consumers on our behalf.

How do I verify that this claims process is legitimate?

The CFPB never requires you to pay money up front or provide any banking information, credit card

information, or other payment information before you can cash refund checks that the CFPB has issued. If

anyone claims that they can get you a refund but asks you for money, it could be a scam. You can verify with

the CFPB that this a legitimate claims process by calling the CFPB directly at 855-411-2372 or by visiting

our website at www.consumerfinance.gov/about-us/payments-harmed-consumers/payments-by-case and

clicking on the link that says “Howard Law.”

Can I still ask questions?

To find out more about the case or the payment, please contact the Claims Administrator:

• Email: info@x

• Call: (800) 651-8743

• Write: P.O. Box 5339, Portland, OR 97208-5339

• Visit: xxxx

Notice of Privacy Act Statement:

The information we are requesting is being collected to determine your eligibility for a redress payment to compensate you for harm suffered from a violation of a Federal consumer financial law that was the subject of a Bureau enforcement action.

This information may be used by and disclosed to employees, contractors, agents, and others authorized by the CFPB to receive this information to assist in providing your redress. It may also be disclosed:

• to a court, magistrate, or administrative tribunal in the course of a proceeding;

• for enforcement, statutory, and regulatory purposes;

• to another federal or state agency or regulatory authority;

• to a member of Congress, to the Department of Justice, a court, an adjudicative body or administrative tribunal, or a party in litigation; and

• pursuant to the CFPB’s published Privacy Act system of records notice, CFPB.025 – Civil Penalty Fund and Bureau-Administered

Redress Program Records.

The collection of this information is authorized by Pub. L. 111-203, Title X, Sections 1017(d) (Civil Penalty Fund) and/or 1055(a) (Redress), codified at 12 U.S.C. §§ 5497(d), 5565(a). You are not required to submit or provide any identifying information; however, not doing so may delay processing or be a basis for rejection of your claim.

Email [email protected] or call (800) 651-8743.

Questions?