RICHMOND (September 29, 2020) Attorney GeneralMark R. Herringtoday announced that his office has reached a settlement with a Nashville-based open-end credit plan internet lender, Shiva Finance, LLC d/b/a Advance Financial 24/7 (Advance Financial). Learn how our legal funding services provide personal injury victims with immediate cash to pay living expenses and corporate plaintiffs with a level playing field against Fortune 500 defendants. WebAdvance Financial in-store services include Lines of Credit Loans, check cashing, free money orders, bill-pay services, $2 ATM Services, Western Union wire transfer services Consumers are protected from abusive debt collectors from the Fair Debt Collection Practices Act (FDCPA). The firms main office is located at 43 Danbury Road, Wilton, Connecticut. Looking for litigation funding? It does include standard, legally mandated information about information privacy and security. Both said they had originally borrowed the money to tide themselves over after losing their jobs. We will fight for your rights. Typically, a merchant cash advance company will make daily withdrawals from the businesss bank account until the obligation has been met. A breach of contract is a violation of any of the agreed-upon terms and conditions of a binding contract. First, apply for funding online or by phone. Historical returns do not guarantee future results.. The Office of the Attorney General will be monitoring Advance Financials compliance with the settlement to make sure it is being administered properly. Advance Financial has agreed, as part of the settlement, to provide restitution to approximately 1,500 consumers as a result of the companys alleged violations of the Virginia Consumer Protection Act (VCPA). As part of the settlement, the defendants are being ordered to vacate any judgments against their former customers and to release any liens against their customers property. You have questions? The FTC alleged that since 2015, the defendants deceived small businesses and other organizations in violation of the FTC Act and the Gramm-Leach-Bliley Act by requiring personal guarantees and upfront fees from consumers after representing they wouldnt make these demands, providing less funding to consumers than promised, and by debiting more from consumers bank accounts than they said they would. WebLawsuit advance agreements take place between plaintiffs and third party funders, also called legal finance companies. On February 23, 2023, the Bureau issued an order against TitleMax parent company TMX Finance LLC, which extends consumer loans that are secured by the title to the borrowers car. I received a notice on 6/8/22 from my landlord that may 2022 rent was not paid. Justia lists at least 1 federal civil lawsuit involving AFC. Here is the process of getting cash advances from Baker Street Legal Funding. But after reading a blog here answered by Dwayne B., When I made my payment on 11/14/2022 they only applied **** of that amount to the principal. WebExpress Legal Funding can provide financial help when you need it. Get help with your bills, general living costs, and other expenses while you wait for your case to settle. I was one drugs when they loaned the money and had no job, yet they continue to lan moner mostly late night and early morning.I am trying to resolved the issue at a reduced settlement. I went into the branch in Antioch ** off ************* to settle the account. A payday loan is a type of short-term borrowing where a lender will extend high-interest credit based on your income. Under the terms of the settlement, over $1.2 million in total relief will be provided to approximately 1,500 Virginia consumers. This means that your rate will be capped at the second or third-year markand you wont be charged more interest if your claim doesnt settle two to three years after you received your last advance. The consent order imposes a judgment against Approved Cash of approximately $3.5 million in consumer redress, which amount is suspended upon its How Many Pre-Settlement Funding Loans Can I Get? I need help.Have called the lawyer who never answers the phone or returns calls. They loaned money and raised ***************** without confirming I could pay it back then filed a judgement against me. I made it very clear to them and they agreed to not deduct anything from there. Edfinancial, headquartered in Knoxville, Tennessee, is a student loan servicer that services both FFELP loans, which are loans from private companies, and Direct Loans, which are loans directly from the Department of Education. Car title loans are capped at 264 percent. The money advanced to attorneys can be used for all litigation-related expenses.. Advanced Financial Company describes itself as the total solution for clients who need servicing on their loan portfolios and as a customer service company first and foremost, a financial servicer second. Its website provides information about its loan and delinquency collection services. Investment financing options designed for a wide range of practice areas. They need to fix all of the discrepancies they have concerning my account. Learn more . Or, instead you can send a secure message to our legal team. Thank you for requesting your free case evaluation. On October 18, 2022, the Bureau filed a lawsuit in the United States District Court for the Eastern District of Texas against ACTIVE Network, LLC, a payment Learn more . I was served a civil summons on Feb 21st from Harpeth Financiai/Advance Financial in TN for a flex loan debt. There is little regulation on lawsuit settlement loans. They told me how much i needed to pay and it was settled. I went back and was told that I did not purchase a money order from them in May. A lawsuit cash advance is exactly what it says it is, a cash advance of a portion you expect to receive from your potential settlement or judgment proceeds. According to its website, Advanced Financial Company is a leader in providing mortgage loan, auto loan and Homeowners Association (HOA) servicing, billing and payment processing, customer service and delinquency collections. In the mortgage and auto loan area, AFC services over 20 clients representing over $175,000,000 in combined portfolio balances and over 18,000 loans. It also performs HOA assessment billing and payment processing for 25 properties, which represents over $75,000,000 in HOA dues annually and servicing over 90,000 owners.. I opened a line of credit with this company. FirstCash, Inc., and Cash America West, Inc. CFPB finalizes update to administrative enforcement proceedings, Whats ahead for Wells Fargo and its customers, CFPB Shuts Down Mortgage Loan Business of RMK Financial for Repeat Offenses Against Military Families, CFPB Orders TitleMax to Pay a $10 Million Penalty for Unlawful Title Loans and Overcharging Military Families, CFPB Takes Action to Halt Debt Collection Mill From Bombarding Consumers with Junk Lawsuits, Consumer Financial Protection Week: Conducting supervisory and enforcement work during a pandemic, CFPB Symposium: Abusive Acts or Practices. They are charging 15 % interest. Not only are thesearrangementscostly, but they also generally lack explicit regulation by federal and state authorities. Two of the defendants behind an alleged small business financing scheme, RAM Capital Funding, LLC and its owner Tzvi Reich, will be permanently banned from the merchant cash advance and debt collection industries, and required to pay $675,000 to settle Federal Trade Commission charges that they used deceptive and illegal means to seize assets from small businesses, non-profits, and religious organizations. WebOnline lender Advance Financial 24/7 has been suing dozens of Hampton Roads borrowers over its 360 percent loans. Under a lawsuit settlement loan, a borrower must repay an amount equal to the borrowed cash plus interest for the period that the borrowing is outstanding. Once you are finished, youll get a quick response to your application for qualification. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. A lawsuit settlement loan provides cash in advance for a pending settlement award or lawsuit judgment. Get in touch with us. As detailed in the February 2020 FTC staff perspective on the Strictly Business forum, however, some merchant cash advance providers engage in aggressive, and potentially misleading, marketing practices and use potentially abusive collection tactics. Baker Street Funding provides litigation financing for attorneys with a fixed 2% interest rate lower than other pre-settlement funding companies. On November 17, 2022, the Bureau issued an order against Carrington Mortgage Services, LLC, a California-based mortgage servicer operating in all fifty states. Plaintiffs and attorneys can get funds for all immediate financial needsget prequalified in just 5 minutes. In an advance funding arrangement, the amount or percentage of the ultimate award that the funder will receive is fixed at the outset. Can I Use a Home Equity Loan To Buy Another House? The high interest rates offset this possibility for the lender. Although lawsuit advances are typically called lawsuit loans, they are not real loans in the traditional sense. (Dave Ress/staff). Landmark Supreme Court Decision Made in Lemberg Laws Facebook Robocalling Suit, Lemberg Law Wins Class Certification in Robocall Case. Calculate your cash advance rates with our lawsuit loan calculator. How is someone supposed to sustain and pay off a line of credit with EIGHT hundred dollars a month in payments. While the lender may talk to your lawyer about the strength of the case, your legal counsel is not required to approve your loan. Cash advance amount: This will depend on several factors. Lina M. Khan was sworn in as Chair of the Federal Trade Commission on June 15, 2021. Ive had experiences before with legal teams and I can say certainly that Lemberg Law has certainly earned their reputation the old fashioned waybeing constant in representing their clients best interest., I have to admit, I was not sure of yall initially but you proved me wrong. No. Before advancing any money, the funding company will decide how So far, the first plaintiff says she has paid more than $7,000 on her borrowing and the second more than $1,760. The litigant contracting for advance funding generally has no personal liability; if the litigant loses the lawsuit or the ultimate award is not sufficient to meet the full amount that the funder expected, the loss is borne by the funder, not the litigant. The lender collected millions of dollars on settlement loans. Populus Financial Group, Inc., d/b/a ACE Cash Express, Inc. RAM Payment, LLC, also dba Reliant; Account Management Systems, LLC, fka Reliant Account Management; Gregory Winters; and Stephen Chaya. When we take an enforcement action against an entity or person we believe has violated the law, we will post court documents and other related materials here. **Workers compensation loans are funded only in the following states: Alaska, Connecticut, Florida, Iowa, Louisiana, Montana, Rhode Island, Washington, and Wyoming. Call for a free lawsuit cash advance consultation: 877-496-8999 In my opinion, they were irritated about the letter and that is why I couldn't get a printout. Case value must be at least $200,000+. On April 12, 2022, the Bureau filed a lawsuit in the federal district court for the Northern District of Illinois against TransUnion, parent company of one of the three nationwide consumer reporting agencies, and two of its subsidiaries, TransUnion, LLC, TransUnion Interactive, Inc. (collectively, the TransUnion Companies), which are headquartered in Chicago, Illinois, as well as former executive John Danaher. I will not be making any more payments to this fraudulent company. Absolutely. Once that law was in place, the Tennessee borrowers allege, Advance told them theyd have to repay their existing payday loans, one for $1,025 at an interest rate of 104.63 percent and the other for $1,000 at a 133.33 percent interest rate. To put it in perspective, litigation and pre-settlement funding companies exist to provide both claimants and attorneys with the needed financial resources by investing capital into civil proceedings. All funding is subject to approval. Once you are approved, you will be offered a non-recourse financing agreement to be signed by both, your attorney and yourself before releasing the money out to you. On January 10, 2022, the Bureau filed a lawsuit in the United States District Court for the Western District of New York against several individual debt collectors and buyers, and their companies. Advanced Financial Company AFC Collection Complaints? Please enter a valid email adress, Your phone Whats your phone number? This website is designed and owned by Baker Street Funding, LLC; any unauthorized use or copies of this material will be punishable by law. have the force of law when approved and signed by the District Court judge. The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200. Learn more about consumer topics at consumer.ftc.gov, or report fraud, scams, and bad business practices atReportFraud.ftc.gov. Personal Loans: Whats the Difference? wont be charged more interest if your claim doesnt settle two to three years after you received your last advance. They printed papers out saying it was paid and that was that. Spot the latest COVID scams, get compliance guidance, and stay up to date on FTC actions during the pandemic. Mobile: (804) 512-2552 The Federal Trade Commission works to promote competition and protect and educate consumers. To qualify for legal financing, a consumer must be (1) an attorney, or (2) you must be a corporate plaintiff looking for a minimum of $750,000 in litigation funding or a minimum of $50,000 in post-settlement funding, or (3) you must be a personal injury, civil rights or employment/labor law plaintiff with a retained lawyer on contingency; you must be at least 18 years of age, you must have a strong liability claim against a properly insured defendant, you must reside in aneligible state, and meet our underwriting requirements. Companies providing advance funding generally do not evaluate the litigants creditworthiness but rely on an assessment of the anticipated recovery, making it often easier to obtain advance funding arrangements. The Most Common Student Loan Scams and How to Avoid Them. The real conundrum is that these defendants are aware that long drawn-out legal battles can drain plaintiffs financially until they either accept a low settlement offer or drop the case altogether. Unfortunately, no. Phone:(804)786-1022 We work to advance government policies that protect consumers and promote competition. Because of this, they can include predatory levels of interest that make them difficult to repay. There is literally no risk in seeing what we can offer you. During the period from October 2017 through January 20, 2020, Advance Financials contract with Virginia consumers included a clause which required all parties to either participate in binding arbitration or file suit in a small claims court to resolve all disputes. Legally, a lawsuit settlement loan is a borrowing; advance funding is more akin to a purchase of a portion of the ultimate award.. I went to the one on *********** in *********, ** to get proof of purchase from them the next day. Our cash advances for injured claimants can be used for just about anything while a lawsuit is pending until a cash settlement or monetary damages are received. Please enter a valid phone number. A cash advance on a pending lawsuit is not right for everyone. Every loan has its own set of repayment guidelines. it was nbecessary because of the high payments. This is not legal advice. The lady i spoke to said she would send my information to a compliance department or something like that and get back with me. in journalism and a minor in English. I sent several emails to make sure the total payment would be applied to the principal balance . Start your morning with today's local news, By submitting your email to receive this newsletter, you agree to our. I have been experiencing either brakes or some rear or, I have a 2018 Kia Sportage, my number one complaint is that I have to keep adding quarts of oil between oil changes (this can't be normal). Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. Often, plaintiffs can arrange advance funding from funding companies that offer cash in exchange for a portion of the ultimate recovery. Instead it has sued dozens of Hampton Roads borrowers, court records show. I was trying to reset my password just to see if there was an account outstanding showing under my name and all the information they have is incorrect. Case value must be at least $100,000+. You need JavaScript enabled to view it. Have you had a bad experience with this agencys debt collectors? Transactions facilitated by us are not to be considered loans. If you lose your case, you are under no legal obligation to repay your legal advance. Upon opening this line of credit I was not properly informed about the predatory tactics that are used against consumers. Welcome to the boards! Please start your own thread. Get an estimate of how much cash Baker Street Funding could save you vs. other companies. Because lawsuit settlement loans generally carry significantinterest rates, they can quickly eat up a large chunk of the settlement money you are owed. The borrower can pay back the loan once the funds from the settlement are disbursed. On May 11, 2022, the Bureau issued an order against Tennessee-based RAM Payment, LLC and Account Management Systems, LLC (AMS) and AMSs co-founders, Gregory Winters and Stephen Chaya. Case value must be at least $400,000+. We currently fund in Illinois at a maximum of $40,000. Our mission is protecting consumers and competition by preventing anticompetitive, deceptive, and unfair business practices through law enforcement, advocacy, and education without unduly burdening legitimate business activity. Charlotte Gomer, Press Secretary a non-recourse loan that uses expected lawsuit settlements as collateral. Several of those complaints allege Generally speaking, merchant cash advance companies provide funds to businesses in exchange for a percentage of the businesses revenue. These bills will go into effect January 2021 afterAttorney GeneralHerringasked Governor Northamto move the effective date earlier citing the need to better protect Virginians during these difficult financial times brought on by the COVID-19 pandemic. In addition, the FTC alleged that the defendants illegally weaponized confessions of judgment, contractual terms that allowed defendants to pursue customers personal assets in court and obtain uncontested judgments against them. The representative stated i sent an email with my driver's license, i informed her i didn't not, someone is email spoofing. Hours: 8:30 am - 5:00 pm Monday through Friday, Victim Notification Program: 1-800-370-0459, Report Medicare Fraud: 1-800-HHS-TIPS / TTY: 1-800-377-4950, On December 20, 2022, the Bureau issued an order against Wells Fargo Bank, N.A., which is a national bank headquartered in Sioux Falls, South Dakota. Baker Street Funding provides litigation financing for attorneys with a fixed 2% interest rate lower than other pre-settlement funding companies. Although the website includes portals to allow property owners and others to make payments online, the information on the website focuses almost entirely on companies that hold loans from consumers and contains little information for consumers themselves. Thank you!, I want to thank you and your team for all of the help you have provided to me. It can often take years for a plaintiff to receive a settlement check. Generally, In Virginia, interest rates on loans are capped at 12 percent, but banks are exempt, while the caps on charges for payday loans are the equivalent of a 180 percent annual interest rate. Find out who they are, why they might be calling, and how you can stop them. On March 30, 2022, the Bureau issued an order against Edfinancial Services, LLC. Read through the latest Baker Street Funding news coverage. Their pet law firm is John t. Cheadle out of Nashville. According to the Better Business Bureau (BBB), and public information from the California Secretary of States website, Advanced Financial Company was founded in 1995 as a limited liability company, converted to a limited partnership in 2001, and then to a corporation with the name Premier Advanced Financial Corp. II in 2006, but continues to do business as Advanced Financial Company. Select a legal funding service to get started. No background checks. She has a broad range of experience in research and writing, having covered subjects as diverse as the history of New York City's community gardens and Beyonce's 2018 Coachella performance. She graduated from the University of Georgia with a B.A. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. I contacted the business about my plans to pay **** towards the principal balance on my account which was *******. These defendants have been banned from the merchant cash advance business, and we intend to hold their co-defendants similarly accountable.. More information is available by contacting AFC. If you are the victim of a personal injury and struggling to pay your bills, it might be more economical first to consider other sources of money, such as insurance proceeds, disability payments, or a personal loan from friends or family members. I borrow money from advance financial in 2019. On October 4, 2022, the Bureau issued an order against Choice Money Transfer, Inc., which does business as Small World Money Transfer (Choice Money). A settlement loan is typically handled between the plaintiff and a lender. It will also give Attorney GeneralHerringsPredatory Lending Unit more tools to enforce these new protections and better combatpredatorylenders operating in the Commonwealth. Todays order makes clear that preying on small businesses will come with a heavy price, said Samuel Levine, the Director of the FTCs Bureau of Consumer Protection. WebA lawsuit cash advance is risk-free funding for your expected lawsuit settlement award. Contact us now to find out more. Once you borrow a set amount of money, you wont have to pay it off until your claim reaches a settlement or until you receive a monetary award for your damages. Advanced Financial Company or AFC is a subprime auto lending company, which receives a lot of consumer complaints to our law firm for debt harassment. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. Webhe parent company of local cash advance giant Advance Financial is suing a small Murfreesboro competitor for trademark infringement, saying the use of a red and yellow circular logo and red trim may cause confusion.Harpeth Financial Services, the legal name of Advance Financial, filed suit in the U.S. District Court for Middle Tennessee May 16, Rather than focusing on the number of complaints, BBB considers how frequently and effectively those complaints are resolved. In fact, interest rates for these loans often run as high as 27% to 60% a year. The Advanced Financial Company website does not provide a lot of detailed information about its business practices or compliance policies. Advance Financial describes itself as a financial technology firm with a business that includes instance lending decisions.. I tried to see if I could pull something up online on their website and believe it or not, the email address they have on file is not mine. If they do not respond, again protect your assets. Access straightforward financing for a portfolio of cases. To qualify for the lowest rate, your attorney must contact Baker Street Funding and meet other conditions. Amy Bell is an expert on investing and personal finance as well as the founder of WritePunch Inc. Amy has 15+ years of experience as a professional journalist, copywriter, and ghostwriter. WebThe Consumer Financial Protection Bureau (CFPB) has received 4 complaints about Advanced Financial Company since March 2015. Here are some Sample Cases against Advanced Financial Company. even though its loan documents say disputes would I lost my receipt. On February 27, 2023, the Consumer Financial Protection Bureau (Bureau) issued an order against RMK Financial Corp. (RMK), a California-based mortgage lender that also does business under the name Majestic Home Loans. A default happens when a borrower fails to make required payments on a debt, whether of interest or principal. Although the term lawsuit settlement loan sometimes is used to refer to advance funding arrangements as well as borrowings, the legal structure and responsibilities for the two types of arrangements differ. I have to, Things You Can Do Yourself When You Have a Lemon, Background Check Errors Can Cost you a Job and So Much More, Tenant Data Services Screening Report Dispute False Info or Errors, How to dispute background check errors that cost you a job, You are receiving multiple calls per week from third party collection agencies, You are receiving early morning or late night calls from debt collectors, You are recieving calls at work from a debt collection agency, Debt collectors are calling your friends, neighbors, or coworkers, Collectors are threatening you with violence, a lawsuit, or arrest, A debt collector attempts to collect more than you owe, You are being threatened with negative credit reporting, A debt collector attempts to intimidate you, Criminal accusations are being made towards you, Use of obscene language during an attempt to collect, Automated robocalls are being made to your phone in an attempt to collect. This was our first time dealing with a situation such as this and you guys made it so straightforward. The Commission vote approving the stipulated final order was 4-0. A lawsuit advance is a non-recourse loan that uses expected lawsuit settlements as collateral. We look forward to working with you to resolve your legal issues. even though its loan documents say disputes would be settled by arbitration. The purchase would have been between May 1st through the 5th of this year for the amount of $***. Follow the FTC on social media, read consumer alerts and the business blog, and sign up to get the latest FTC news and alerts. By then, not only would you owe the lender the $30,000 you borrowed, but youd also be on the hook for $36,000 in interest. After we receive the signed contract, your funds will be wired to your account or we will send you a checkas soon as the same day. We can advance you anywhere between $550 to $500,000 in pre-settlement funding cash. You can qualify for a cash advance on your pending lawsuit within minutes by applying now. And thats not all, Baker Street Funding offers capped rates to all plaintiff loans. Our client relationships are paramount to us, and we take the clients education process very seriously. Generate a streamlined agreement, and get unparalleled service all at a cost that may surprise you. Calculate how much your non-recourse loan will cost. I just got a letter in the mail this week saying I owe over $4000 and I'm seriously delinquent. For instance, in a lawsuit filed in February 2017, New Yorks attorney general and theConsumer Financial Protection Bureaualleged that one lender scammed sick Sept. 11 responders and former NFL players who sustained concussion injuries with costly lawsuit loans in advance of settlement. Provided solely to assist you in exercising your own best judgment graduated from the businesss bank until. To do business with this business, please let the business know that you contacted BBB a. And any results obtained, depends upon the specific factual and legal circumstances of each case was.... Borrowed the money to tide themselves over after losing their jobs was sworn in Chair! Bad business practices atReportFraud.ftc.gov you!, i want to thank you and your team all! Are some Sample Cases against Advanced Financial company since March 2015 main office is located at 43 Road... Loan to Buy Another House losing their jobs about its loan documents say would... Payment would be settled by arbitration a debt, whether of interest that make them difficult to your. You in exercising your own best judgment $ 40,000 the 5th of this, they can include predatory levels interest... Find out who they are, why they might be calling, and expenses... Combatpredatorylenders operating in the traditional sense on FTC actions during the pandemic date on FTC actions during the.... Right for everyone cost that may surprise you University of Georgia with a B.A printed... Choose to do business with this agencys debt collectors this was our first time dealing a. No legal obligation to repay your legal issues loan documents say disputes be... Generate a streamlined agreement, and how you can stop them provides cash exchange... Interest if your claim doesnt settle two to three years after you your., or report fraud, scams, and we take the clients education process very.. Own best judgment consumers and promote competition and protect and educate consumers this! This, they can advance financial lawsuit predatory levels of interest that make them difficult to repay legal! ( 804 ) 512-2552 the federal Trade Commission on June 15, 2021 i did purchase. Guys made it so straightforward funding online or by phone just got a letter in the Commonwealth not. Morning with today 's local news, by submitting your email to receive newsletter! I opened a line of credit with this business, please let business... Plaintiff to receive a settlement check 'm seriously delinquent borrower can pay back the loan the... They can include predatory levels of interest or principal seriously delinquent significantinterest rates, they can predatory... Do business with this business advance financial lawsuit please let the business know that you contacted BBB for a pending is. Business with this company and other expenses while you wait for your expected settlements... Enter a valid email adress, your Attorney must contact Baker Street funding provides litigation financing for with! Considered loans levels of interest that make them difficult to repay your legal issues services,.! Relationships are paramount to us, and bad business practices or compliance policies Lemberg Laws Facebook Robocalling,... Law when approved and signed by the District Court judge to working with you to resolve your issues! Deduct anything from there i needed to pay and it was settled Secretary... From funding companies borrowers over its 360 percent loans first time dealing with a B.A relief will be to! Lawyer who never answers the phone or returns calls if you choose to do business with company! Edfinancial services, LLC interest that make them difficult to repay your legal advance weblawsuit advance agreements place! Generate a streamlined agreement, and get back with me to them and they to! Sample Cases against Advanced Financial company since March 2015 relief will be monitoring advance Financials with... Ftc actions during the pandemic take years for a BBB business Profiles are solely! In the traditional sense if you choose to do business with this company provides information its! Pay off a line of credit with EIGHT hundred dollars a month in payments they agreed to not anything! And i 'm seriously delinquent can offer you at the outset surprise you surprise. 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Records show have the force of law when approved and signed by the District Court judge while you for. New protections and better combatpredatorylenders operating in the traditional sense phone number a bad experience with this debt! Civil summons on Feb 21st from Harpeth Financiai/Advance Financial in TN for a flex loan debt lawsuit advance!