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Customer FAQ

The most common questions our customers ask

FAQs

What will I pay upfront?

You won’t pay anything up front. Attorneys join the Justice For Me network to offer affordable payment plans free of upfront payments or retainers.

What if my attorney is not part of the Justice For Me network?

If your attorney is not part of the JFM network, have them contact us and we will work with them to become a member to be able to offer payment plans.

What if my attorney’s total billing is more than my original payment plan?

We understand a case sometimes goes beyond the initial estimate. In these instances, we will review the limit and work with you and your lawyer.

What if my credit isn’t great?

Our credit decision is based on a combination of score, employment and other factors, including having a co-applicant.

If my case is done and I didn’t use up all of my credit line, am I responsible for paying the whole amount?

No. You are only responsible for the amount of the credit line used.

What do I do if I don’t have an email address?

All clients are required to have an email address as all our systems are electronic.

What if I have zero or no credit history? I can pay in cash but don’t have the full retainer amount.

Then you will need to find a co-applicant.

How much will my lawyer cost in total?

This depends on the length and complexity of the case and the rates your lawyer charges. Justice For Me cases range from under $1000 to $50,000+ with the average case being around $5000.

What is the JFM interest rate?

The Justice For Me interest rate is 10% and the term of our loans is 18 months.

What’s the average monthly payment?

This varies depending on the amount borrowed. For our average loan of $5000 the monthly payment is around $300.

Can I pay off the loan early?

Yes, you can pay the outstanding amount at any time.

How do I get an interest free loan?

If you make all your payments on time and pay your loan off within 12 months, Justice For Me will refund you any interest you have paid.

What can I use a JFM Line of Credit for?

JFM Lines of Credit are solely for paying your attorney’s invoices. It is not permitted to be used for personal, family, household purposes, real estate, business purposes, investments, purchases of securities, post-secondary education and short-term bridge financing. JFM pays your attorney’s invoices directly on your behalf.

How do I know if I am eligible for a JFM Line of Credit?

To be eligible for a JFM Line of Credit, you must be a US citizen, permanent resident, 18 years or older, and reside in one of our eligible states. If you are a permanent resident, you must be able to show an image or scan of your permanent residency card (Green Card) and your Green Card must have a total validity (from issuance to expiration) of more than 2 years. Loan eligibility also depends on a number of additional factors, such as a responsible financial history, credit score, your monthly income vs. expenses, and employment history.

Is the JFM Line of Credit secured or unsecured?

The JFM Line of Credit is unsecured. This means that you do not need to provide collateral.

If interest rates rise, what is the highest rate I could pay?

The interest rate on a JFM Line of Credit is 10% on an 18-month amortization, or, if the line is paid in full within 12 months AND all payments are made on time, JFM will refund all interest paid, thereby making it interest-free.

What is the minimum and maximum I can borrow?

With the JFM Line of Credit, the minimum amount you can borrow is $500 and the maximum is $50,000.

Are there any origination or prepayment fees?

No. We want to make things simple for our members, so we have no origination fees, closing costs, or prepayment penalties. In fact, if you pay it off in less than 12 months and make all of your payments on time, your loan will be interest-free!

How is a JFM Line of Credit different from a credit card or personal loan?

JFM Lines of Credit have a standard repayment term of 18 equal monthly payments at 10% interest. Credit cards and personal loans often have high variable rates and no set repayment terms.

Will applying for a JFM Line of Credit affect my credit score?

To prequalify for a line of credit, JFM conducts a “soft” credit pull that will not affect your credit score. However, if you choose to continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a “hard” credit pull. This hard pull can impact your credit score.

How long does it take to get an answer?

For Pre-Qualification, you will hear back from us in about an hour.

For the full application, once your application is complete and verified, it should take no more than 24 hours for a response. If you are approved for a loan, you will receive an Account Agreement for an electronic signature. In some cases, a co-applicant will be requested in order to finish processing the application.

What if I am laid off and can’t pay my monthly installments?

We encourage you to contact us as early as possible if you become unemployed or unable to make your scheduled monthly payment. As a JFM member and part of our community, we will be happy to work with you to change your due date or split your payment up to bi-weekly or even weekly.

What if I’m late in making my payment?

Timely payment of your JFM Line of Credit helps ensure we can continue to deliver great products and services to the entire JFM community. If you need to push your payment ahead a few days, all you need to do is contact us as soon as possible.

How can I make my loan payments?

The easiest way to pay is to make payments electronically via debit or credit card. We accept all major debit and credit cards. If you have a debit or credit card on file with JFM, your payment will automatically be debited on your due date. You can also set up online bill pay to JFM through your bank, or you can send in a paper check or money order. Note that we do not currently accept payment via ACH, but that feature will be coming soon.

For payments by check, money order, or bill pay, please mail to the address below:
Justice For Me, 500 Sandau Road, Suite 100
San Antonio, TX 78216

When will my first payment be due?

Your repayment period does not begin until your attorney submits an invoice on your behalf. The first payments will be approximately 20 days after your invoice is received. You can also refer to your first detailed billing statement for confirmation of the first payment due date and minimum amount due.

Can I change my monthly payment date?

Yes. When you receive your first statement, you may contact us to change the due date prior to the date listed on the statement. Please note that you can only change your payment date once per year and your loan must be current.

Can I refinance my current JFM Line of Credit?

At this time we do not offer a refinancing option for your line of credit.

How are funds disbursed?

All funds are sent directly to your attorney in payment of the invoice submitted under your name. You are responsible for paying JFM toward the purpose of this loan thereafter. You are only responsible for paying the amounts invoiced by your attorney, not on the total line of credit approved.

How can I obtain a copy of my Account Agreement?

You can obtain a copy of your documents after you, your attorney and JFM have electronically signed your Account Approval Agreement. You will receive an email that everyone has signed and then a complete copy is available for you to download.

Can I have multiple JFM Lines of Credit?

To qualify for a second JFM Line of Credit, you must have made all scheduled payments on a previous JFM Line of Credit. If you have a current line of credit and need to increase the amount due to unexpected additional attorney expenses or your case is extending beyond the original engagement amount, we will work with you and your attorney to see if we can increase your line of credit.

Do you accept co-applicants for a JFM Line of Credit?

Yes. Some applications will automatically require a co-applicant in order to complete processing. However, both applicants will be jointly responsible for repaying the line of credit. In addition, the review process with a co-applicant may take an extra one to two days, depending upon how long it takes the co-applicant to fill out their online application.

What’s the difference between a co-applicant, co-borrower, and co-signer?

A co-applicant and co-borrower are the same thing, just at different points in the loan process. Once a line of credit is approved, a co-applicant becomes a co-borrower. In this case, both the primary applicant and co-applicant sign the Approval & Account Agreement and are jointly liable for the line of credit. Co-signer is another name for a co-applicant.

How do I add a co-applicant to my loan?

When you start an application and check your rate, the application includes a button that says “With a Co-applicant.” Simply click that and you will be prompted with instructions for how to add your co-applicant. Please note that you will only be asked to provide your co-applicant’s name and email address. Be sure to enter their email address correctly, as they will then receive an email with a link to the application. They will not be able to see any of your information entered, nor will you be able to see theirs.

If my loan application is denied, can I apply again with a co-applicant?

Yes, you can add a co-applicant at any time. Any lines of credit issued to two individuals (primary borrower and co-borrower) will make BOTH individuals jointly liable for the obligations in the terms of the loan.

Why was I denied even though I had a co-applicant?

If you and your co-applicant were denied for a JFM Line of Credit, a decline notice known as an “adverse action” will be sent within 30 days of your application date. The adverse action notice will provide an overview of the reasons for the denial of credit.

If I cannot make payments on my JFM Line of Credit, is my co-borrower responsible for repaying my loan?

Yes. You and your co-borrower are jointly liable for making your loan payments.

If I build a good payment history for an extended period of time, can my co-borrower be removed?

No. The co-borrower can only be removed if they pass away, or if you pay off your JFM Line of Credit and qualify on your own for a new one.

What States does JFM operate in?

Currently, we can offer loans in the following states, however, we are expanding all the time so please reach out if you don’t see your state on the list.

Arkansas
Colorado
Connecticut
Florida
Kansas
Massachusetts
Michigan
Nebraska
New Hampshire
Oklahoma
Oregon
South Carolina
Texas
Utah
Virginia
West Virginia
Wisconsin
Wyoming