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In this Agreement, “you” and “your” refer to each client who signs it. “We,” “us,” and “our” refer to MAH Consulting LLC d/b/a MAH Financing and Ironclad Law PLLC d/b/a Ironclad LLC (collectively, “the Firm”). By signing below and/or submitting payment, you acknowledge that you have read, understood, and agree to be legally bound by each provision below.
Scope of Legal Services – Ironclad Law PLLC
Ironclad Law PLLC will provide legal representation for the matter(s) agreed upon and any additional work authorized in writing. No legal advice or services will be rendered until you accept and sign this Agreement.
Fee Structure and Retainer
Hourly Rates:
Junior Paralegals: $125/hr
Senior Paralegals & Junior Attorneys: $250/hr
Midlevel Attorneys: $350/hr
Senior Attorneys: $450/hr
Managing Partner: $650/hr
A general retainer is required to engage the Firm. This amount may be subject to the financing arrangement described below. No portion of any retainer or payment submitted shall be held in trust unless explicitly agreed to in writing by the Firm’s Managing Attorney on an exception basis, solely for settlement-related funds. The Firm does not maintain trust accounts for client funds and does not allow client funds to be held in trust, except as expressly authorized in writing by the Managing Attorney in accordance with Firm policy.
All retainers are earned upon receipt, are non-refundable, and are not held in a trust account (except as expressly stated above). Clients remain responsible for all out-of-pocket expenses incurred on their behalf, including court filing fees, expert witness costs, deposition expenses, travel, and other necessary litigation expenditures.
Client agrees to maintain a minimum retainer balance, ordinarily set at $2,500, or a higher amount as reasonably determined by the Firm in its sole discretion based on the anticipated needs of the case. The Firm may require the Client to replenish the retainer to the specified amount as a condition of continued representation.
Failure to replenish the retainer as requested shall constitute a material breach of this agreement. In such event:
(a) any remaining portion of the non-refundable retainer shall be forfeited; and
(b) the Firm shall be entitled to withdraw from representation in accordance with applicable law and professional conduct rules, without further notice or obligation.
Payment Authorization & Billing
Authorization: By completing the Payment Authorization Form (appended at the end), you authorize us to charge your credit/debit card or debit your bank account (ACH) for all sums due under this Agreement—including retainer, fees, costs, and any amounts financed through MAH Consulting LLC.
Payment Schedule: Payments are due according to the payment schedule emailed separately. Unless otherwise agreed in writing, biweekly installments will be automatically withdrawn or charged.
Interest on Unpaid Balances: Any unpaid balance of the amount financed after the final installment due date will bear interest at 19% per annum until paid in full.
Returned Payment Charges: You agree to pay a fee of $32 for each check or ACH debit returned unsatisfied due to insufficient funds, a closed account, or other reasons.
Federal Lending Disclosures
Late Payment: If you fail to make any scheduled installment on or before the 10th day after its due date, you may be charged $25 or 5% of the unpaid amount of the installment (whichever is greater). If interest is assessed after maturity, no additional late fee applies to the final installment.
Prepayment: You may prepay this Agreement (in whole or in part) at any time without penalty. Earned finance charges are determined by applying the annual percentage rate to the unpaid balance of the amount financed for the actual time those balances were unpaid. You are not obligated to pay any unearned portion of the disclosed finance charge.
Your Promise to Pay
You promise to pay us the “Total of Payments” shown on your Payment Schedule (emailed separately) and any other charges identified in this Agreement. On each scheduled due date, you must remit the installment amount to the address we specify (or authorize automatic withdrawal/charge). Any unpaid balance after the final installment due date will accrue interest at 19% per annum until paid in full.
Default and Enforcement
Events of Default: You will be in default under this Agreement if:
Any payment remains unpaid more than 3 days after its scheduled or deferred due date; or
You fail to comply with any material term of this Agreement (including providing accurate payment information), which materially impairs the Firm’s rights or your ability to pay.
Rights Upon Default: Upon default, Ironclad Law PLLC may stop all work, terminate the engagement, and withdraw from representation. MAH Consulting LLC may accelerate the entire outstanding balance, making it immediately due and payable. We may pursue all remedies, including legal action, to collect any balance owing.
Attorney’s Fees, Interest, and Collection Costs
If you fail to make timely payment or breach any obligation under this Agreement, you must pay all costs of collection or enforcement, including:
Attorney’s fees at Ironclad Law PLLC’s standard hourly rates;
Court costs;
Collection agency fees;
Any other expenses reasonably related to enforcement;
Interest at 2% per month (24% per annum) on any outstanding balance, beginning on the date of default.
You need not receive notice of default, and you hereby waive any notice of default. You also waive any right to a jury trial in any dispute under this Agreement.
Personal Guaranty
If you sign on behalf of a business entity, you personally and unconditionally guarantee all amounts due. This guaranty is continuing; Ironclad Law PLLC and/or MAH Consulting LLC may seek payment from you personally without first pursuing the business. You waive any defenses based on agency, lack of authority, or similar. This personal guaranty binds your heirs, successors, and assigns.
Joint and Several Liability
If more than one person signs this Agreement, each signer is jointly and severally liable for all obligations. We may collect from any one or more signers individually or together without waiving rights against the others.
Outstanding Balances
MAH Consulting LLC reserves the right to transfer any unpaid balance owed to Ironclad Law PLLC to the principal of the loan under this Agreement—without further notice. You agree to pay any such transferred balance and any related interest as if it were originally part of this Agreement.
Chargeback Policy
No Chargebacks Without Prior Arbitration: You agree not to initiate any chargeback or payment dispute without first complying with the dispute resolution procedures below. If you initiate a chargeback in violation of this Agreement:
Your entire retainer is forfeited immediately.
You are personally liable for all costs associated with the chargeback dispute, including bank/processor fees, collection fees, attorney’s fees, administrative expenses, and 2% monthly interest on the contested amount.
Initiating a chargeback without following proper procedures is a material breach of this Agreement, resulting in immediate termination of services and acceleration of all unpaid balances.
Conflicts of Interest
We conduct internal checks for conflicts of interest. You must inform us of any alternate names or affiliated entities. If a conflict arises that cannot be resolved, we may withdraw from representation.
Termination of Services
Either party may terminate this Agreement at any time by providing written notice. Upon termination:
You remain responsible for all fees and costs incurred to date.
The general retainer remains non-refundable and is due and payable in full.
We will cooperate in transitioning your matter to successor counsel.
Client Responsibilities
You agree to:
Be truthful and provide timely communication;
Cooperate with all requests for information;
Promptly pay all fees, costs, and charges;
Notify us of any disagreement with this Agreement.
Failure to do so may result in immediate termination of representation.
Non-Disparagement
You and Ironclad Law PLLC agree not to disparage the other party or its officers, directors, employees, shareholders, or agents in any manner likely to be harmful to business or personal reputation. This does not prevent either party from responding truthfully to lawful inquiries, subpoenas, or legal process.
Governing Law & Jurisdiction
All contracts and transactions under this Agreement are formed in, construed, and governed by the laws of the State of Florida (without reference to conflict of laws principles). The parties irrevocably submit to the sole and exclusive jurisdiction of the state and federal courts in Hillsborough County, Florida, for any disputes arising under or related to this Agreement.
Dispute Resolution
Florida Bar Mandatory Arbitration Disclosure
IMPORTANT – BY SIGNING THIS AGREEMENT, YOU ARE WAIVING YOUR RIGHT TO A TRIAL BEFORE A JUDGE OR JURY AND YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION. ALL DISPUTES WILL BE RESOLVED BY BINDING ARBITRATION UNDER SECTION 17 BELOW, AS DETAILED.
Resolving Disputes in Court: Any legal action arising from or relating to this Agreement must be filed in Hillsborough County, Florida. If the Firm prevails, you agree to pay reasonable attorneys’ fees and expenses incurred enforcing this Agreement.
Binding Arbitration:
Fee Disputes: Resolved through binding arbitration via the Florida Bar Fee Dispute Program. Both parties agree to abide by the arbitrator’s decision.
Other Disputes: Resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. Arbitration shall occur in Hillsborough County, Florida. The arbitrator’s decision is final and binding and enforceable in any court. Parties share arbitration costs equally, unless the arbitrator decides otherwise.
Class Action Waiver:
You and the Firm expressly agree that any arbitration or litigation under this Agreement will be conducted solely on an individual basis. Neither you nor the Firm may join, consolidate, or otherwise participate in any class, collective, or representative action. Specifically:
Waiver of Class/Representative Claims: You and the Firm each waive any right to pursue or participate in any class action, collective action, or representative proceeding (including joint or consolidated actions) against the other, whether through arbitration, litigation, administrative proceedings, or otherwise.
No Appointment as Class Representative or Class Member: Neither you nor the Firm may act as a class representative, class member, or private attorney general for any purported class, collective, or representative proceeding involving claims against the other party.
Acknowledgment of Knowing and Voluntary Waiver: By signing this Agreement, you acknowledge that you have read, understood, and intentionally waived the right to bring any claim on a class, collective, or representative basis. You further acknowledge that this waiver is a material term of the Agreement.
Severability of the Waiver: If any portion of this Class Action Waiver is deemed unenforceable, the remainder shall survive and remain in full force and effect. If a court holds that you and the Firm may validly proceed as a class, collective, or representative action on a particular claim, that claim will be severed and immediately stayed for individual arbitration as to all named parties other than the putative class representative.
Remedies and Enforcement: If you or the Firm bring any class, collective, or representative action in violation of this provision, the party bringing such action shall pay all costs and expenses (including attorneys’ fees) incurred by the other in enforcing this Class Action Waiver.
Independent Counsel
You are strongly encouraged to seek independent legal counsel to review this Agreement (including the arbitration and class action waiver provisions) before signing. By signing, you acknowledge you have had the opportunity to consult with independent counsel regarding your rights and obligations.
Waiver & Modification of Terms
No waiver, consent, or approval by us shall be effective unless in writing and signed by both you and us.
The failure of either party to enforce any provision of this Agreement shall not be deemed a waiver of that provision or any other rights.
Any modification to this Agreement must be in writing, explicitly reference this section, identify the provision being modified, and be signed by both parties.
Assignment
We may assign or transfer this Agreement or any of our rights hereunder. You may not assign this Agreement or any obligations without our prior written consent.
Entire Agreement & Interpretation
This Agreement (including the Payment Authorization Form and any Payment Schedule emailed separately) constitutes the entire agreement between the parties and supersedes all prior or contemporaneous agreements, representations, and understandings, whether written or oral.
This Agreement shall be interpreted as if jointly drafted by the parties; no provision will be construed against either party on the basis of authorship.
If any portion of this Agreement is found to be unenforceable or invalid, the remainder shall remain in full force and effect.
Signature
By using our services, you expressly warrant that you are either the client or an authorized officer of the client. If you are not so authorized, you personally guarantee payment for all amounts due under this Agreement. You acknowledge that you have read and expressly agree to all provisions contained herein.
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