Cheating Debt, doing business as Dispute on Demand Credit Dispute Service Agreement

Prepared for:
 Name: {{First_Name}} {{Last_Name}}

Agreement Overview
This agreement outlines the credit dispute services provided by Dispute on Demand and the terms under which these services are rendered.

Services Provided
I, {{First_Name}} {{Last_Name}}, hereby enter into this agreement with Dispute on Demand, which agrees to provide the following services:

Collection Agency Dispute Letters (Primary Specialty): Creation and submission of dispute letters to debt collection agencies challenging inaccurate information, requesting debt validation, and ensuring compliance with the Fair Debt Collection Practices Act (FDCPA).

Multi-Channel Delivery: All dispute letters will be sent via certified mail to ensure proper delivery and documentation. Letters may also be delivered via email and fax when contact information is available and appropriate for faster communication.

FDCPA Compliance Review: Analysis of debt collection practices to identify potential violations and ensure collectors adhere to federal law.

Ongoing Dispute Management: Review of collection agency responses, and creation of additional dispute letters as needed.

Fee Structure
The client agrees to pay the following fees for services rendered:
• $35 per dispute letter - Your card will show a pending charge to secure your payment. The full charge occurs only after we mail your letter via certified mail.
• Payment Methods & Fees:
  • Credit/Debit Card Payments: Subject to a 2.9% card/convenience fee
  • ACH Payments: No additional fee
• Certified Mail Costs: Included in the per-letter fee
• No setup fees or monthly subscription fees

Consumer Credit File Rights (CROA Disclosure)
IMPORTANT INFORMATION ABOUT YOUR RIGHTS:
• You have the right to dispute inaccurate information in your credit report directly with credit reporting agencies at no cost
• You have the right to request debt validation from collection agencies directly at no cost
• No credit repair company, including Dispute on Demand, can remove accurate, current, and verifiable negative information from your credit report
• Credit bureaus are required to follow reasonable procedures to ensure the accuracy of the information in your report
• Collection agencies must comply with the Fair Debt Collection Practices Act (FDCPA) and provide verification of debts when requested
• You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you
• Any payment made may be refunded only for letters not yet sent if you cancel within the 3-business-day cancellation period

Performance Timeline
• Services will begin within a reasonable time after this agreement is signed and payment is received
• Collection agency disputes typically require 30 days for initial response under the FDCPA
• Results cannot be guaranteed, as outcomes depend on the accuracy of disputed information and responses from collection agencies. No services will be performed before the end of the 3-business-day cancellation period, in accordance with federal law.

Cancellation Policy
• 3-Day Right to Cancel: You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you
• Refund Policy:
  • If you cancel within 3 business days before we mail your letter, we'll refund the full amount
  • Once your letter is processing or mailed, the work is complete and no refund is available

Client Responsibilities
• Provide accurate and complete personal information
• Submit any letters received to Cheating Debt doing business as Dispute on Demand

Limitation of Services
Dispute on Demand cannot and will not:
• Remove accurate, timely, and verifiable information from credit reports
• Guarantee specific results or credit score improvements
• Provide legal advice (clients should consult an attorney for legal matters)

Acknowledgment & Agreement
By signing below, the client acknowledges that they have:
• Read and understood all terms of this agreement
• Been informed of their right to cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you
• Understood that no guarantee of results has been made
• Been advised of their right to dispute credit report information directly with credit bureaus

You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you.

Client Signature: {{Signature}}
Date: Date Signed: {{today}}

Acknowledgment: This agreement is valid upon the client's signature and does not require a representative signature from Dispute on Demand.

NOTICE: You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you. If you cancel, any payment you have made for letters not yet sent must be returned within ten (10) business days following receipt of your cancellation notice. No refunds will be provided for letters that have already been sent.

3-DAY CANCELLATION NOTICE
To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to Cheating Debt dba Dispute on Demand at 8901 Tehama Ridge Pkwy Ste 127 Box 114. Fort Worth, TX, 76177 before midnight on [ date ]
I hereby cancel this agreement for credit dispute services.
Client Name: ___________________________________________________________________
Client Signature: ___________________________________________________________________
Date of Cancellation: ___________________________

Mail to: Dispute on Demand
8901 Tehama Ridge Pkwy Ste 127 Box 114
Fort Worth, TX, 76177

Power of Attorney (POA) Agreement

I, {{First_Name}} {{Last_Name}}, hereby grant Dispute on Demand, its employees, agents, subcontractors, and assigns, a limited power of attorney to:
1. Communicate with debt collectors, creditors, and credit reporting agencies on my behalf regarding disputes, verifications, and requests for information.
2. Submit necessary documentation, letters, or forms to correct, dispute, or verify any credit-related matters in compliance with federal and state laws.
3. Obtain credit-related information necessary to carry out the services outlined in this agreement.

Limitations & Compliance
• This limited power of attorney does not authorize Dispute on Demand to take any financial action, open accounts, or make any binding agreements on the client's behalf.
• This POA is strictly limited to credit-related matters and will automatically expire six months from the date of signing unless revoked earlier in writing by the client.
• The client agrees to hold harmless, indemnify, and defend Dispute on Demand, its employees, agents, subcontractors, and assigns from any and all claims, actions, or liabilities arising from services rendered under this agreement, except in cases of gross negligence or willful misconduct.

Acknowledgment & Agreement
By signing below, the client acknowledges that they have read, understood, and agreed to the terms outlined in this agreement.

Client Signature: {{Signature}}             
Date: Date Signed: {{today}}
Date of Birth: {{Birth Date}}

Acknowledgment: This agreement is valid upon the client's signature and does not require a representative signature from Dispute on Demand.