MyCRA Specialist Credit Repair Lawyers

Tag: Legal Profession Act 2007

  • ‘I Am Not A Lawyer And [I] Do Not Give Legal Advice’ said the ad – OH YES YOU DO, said the Court

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    ‘I Am Not A Lawyer And [I] Do Not Give Legal Advice’ said the ad – OH YES YOU DO, said the Court

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    The Supreme Court found that the advertisement constituted an offer to perform legal work.

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    The WA Courts have found that an ad on Gumtree offering “… some help to guide you through the Court System …”, was legal work.

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    … [if] the persons giving such advice possess legal skill and a knowledge of the law greater than that possessed by the average citizen, then the giving of such advice and the performance of such services by one for another as a course of conduct constitutes the practice of law …

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    Legal work can only be undertaken by a lawyer acting pursuant to the relevant Legal Profession Act in their state.

    On 23 June 2017 the Court of Appeal in Western Australia upheld an earlier decision of the Supreme Court. VAN DER FELTZ -v- LEGAL PRACTICE BOARD [2017] WASC 2 summarises the law in relation to what is legal work. The legislation is very similar across Australia, so a West Australian Court of Appeal decision would be very persuasive in Queensland, and indeed, Australia wide.

    Mr Ric van der Feltz’s advertisement said, in part:

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    “I can help you prepare to represent yourself in Court and with filling out Court applications and other Court documents and the drafting of affidavits.

    I am not a Lawyer and do not give legal advice. I do have an overseas Law Degree and extensive experience representing myself in the Magistrate, District and Supreme Court and the State Administrative Tribunal (SAT) in commercial and administrative matters and helped others do the same.

    You might just need some help to guide you through the Court system and that’s where I come in at a fraction of the cost of a Lawyer.

    A first meeting is free and obligation free. If you decide to proceed I will charge a one off fee depending on the matter and the court.”

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    Mr van der Feltz denied the charge of “… representing and advertising that he was entitled to engage in legal practice when he was not an Australian legal practitioner …”. The court therefore had to decide what constituted “legal practice“.

    The Supreme Court found, at par. 82, that the advertisement offered to perform legal work:

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    “The necessary implication of the words of the advertisement was that the appellant would use specialised knowledge and experience to assist litigants. He represented himself as having skills in how a person should represent him or her self and how to complete documents. The fee structure implied that this work would be of more than of a clerical nature but would utilise the appellant’s claimed expertise in legal matters.”

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    When considering what constituted legal work the Supreme Court quoted, with approval, several earlier decisions that said:

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    “…the practice of law also includes the giving of legal advice and counsel to others as to their rights and obligations under the law…”

    “…[if] the persons giving such advice possess legal skill and a knowledge of the law greater than that possessed by the average citizen, then the giving of such advice and the performance of such services by one for another as a course of conduct constitutes the practice of law…”

    “…where a person [creating]documents intended to affect legal rights …. exercises his mind as to what is the appropriate form of words to accommodate the particular case, then this can be regarded as drawing or preparing a legal document. A process of that kind goes beyond mechanical or clerical tasks …”

    “…the situation where an instrument is shaped from a mass of facts and conditions, the legal effect of which must be carefully determined by a mind trained in the existing laws in order to ensure a specific result and to guard against others. In such a case more than the knowledge of the layman is required and a charge for such services brings it within the practice of the law…”

    “…Where a person, in preparing documents, exercises his mind as to what is the appropriate form of words to accommodate the particular case, this can be regarded as drawing or preparing a legal [document]…”

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    The Court looked at the work being offered and found it was legal work, regardless of how the defendant tried to describe it.


    Click HERE to go to:
    (Do Credit Repair Businesses Offer To Provide Legal Services?)

    Click HERE to learn more.
    (Why Credit Repair work is, by its nature, legal work (and thereby reserved for lawyers))

    Click HERE to learn more.
    (‘I Am Not A Lawyer And [I] Do Not Give Legal Advice’ said the ad – OH YES YOU DO, said the Court)

    Click HERE to learn more.
    (Unqualified Legal Work Finished – Now To Just Refund All The Fees Charged And Pay All The Fines Imposed By The Court)

    Click HERE to learn more.
    (What Sort Of Work Constitutes “Legal Work”?)

    Click HERE to learn more.
    (What Constitutes “Legal Work”? (EXPANDED CASE NOTES))

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    About The Authors:

    Graham Doessel CEO of Legal Practice Holdings & MyCRA Lawyers in conjunction with Patrick Earl, Senior Solicitor of Armstrong Doessel Stevenson Lawyers, a division of Legal Practice Holdings

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  • Is your preferred credit repairer a lawyer? If not, here’s why they should be.

    credit lawMyCRA Lawyers has been established. Here at MyCRA Lawyers we feel so passionately that this change is the BEST WAY FORWARD for credit repair. Why? Because individuals need strong advocates when disputing their credit reporting issues, but those advocates need to be held accountable. In the absence of any formal regulation of the credit repair industry, the Director of MyCRA has made the significant decision to incorporate a Law firm operating under the overarching framework of an Incorporated Legal Practice, under the Legal Profession Act 2007. The fact is, credit repair is really necessary –but it is not formally regulated or recognised – and sometimes that can hinder the dispute process. In this post, I outline why one of the pioneer companies in credit repair have taken the industry knowledge and experience and “raised the bar” – and created MyCRA Lawyers, and the benefits for you.

    By Graham Doessel, Non-Legal Director of MyCRA Lawyers.

    There are so many reports of shonks and cowboys operating in credit repair. The stories out there in the press can horrify, and ultimately they can hurt the industry.  But what those criticisms shouldn’t be doing is overshadowing the importance of consumer advocates as players in credit reporting. And make no mistake, consumers need advocates in the credit reporting process as the system currently stands, and in my opinion even more so coming into comprehensive credit reporting with further changes in March next year.

    The benefits of your credit repairer being a lawyer

    I discuss the added benefits a lawyer can bring to credit repair as guest blogger for The Adviser magazine – a publication for mortgage and finance brokers. You can read the full post, titled ‘Why your preferred credit repairer needs to be a lawyer on The Adviser website.

    Below is an excerpt from this post:

    Apart from offering a framework for regulation, it also offers significant benefits for credit repair:

    •    A lawyer can act in court processes including the removal of Judgment and Writ services, a non-lawyer cannot act in these proceedings;
    •    A lawyer can identify legal issues and give your client advice on these;
    •    A lawyer can prepare binding agreements, conduct formal negotiations and then follow through with enforcement where necessary;
    •    A lawyer can make formal recommendations to Credit Providers making reference to the law, and making representations on the client’s behalf.

    Those credit repairers currently performing the above tasks without a practising certificate may be treading dangerous ground.

    •    A submission from a lawyer to a Credit Provider will be taken seriously. If requests are ignored real consequences can be deployed.

    You can check if a credit repair firm is an Incorporated Legal Practice with the relevant Law Society (there’s one in each State).

    Why we’ll continue to advocate for accurate credit reporting

    We mean business when it comes to helping those disadvantaged by credit rating mistakes.

    People all over the country are suffering at the hands of credit reporting mistakes, errors and ommissions. The result is five years of bad credit. Five years being locked out of finance – unable to get a home loan, or even a mobile phone plan.

    It doesn’t have to be a big amount which the Credit Provider claims is owed to create that default, nor does it need to be a serial offence.

    There are many more ordinary Australians who are being punished with that credit death-sentence due to one-time oversights; Credit Provider errors; and unsettled disputes. Even accounts of $100 can see them locked out of credit.

    A recent survey by credit reporting agency Veda Advantage revealed 80% of Australians have never checked their credit file. We have certainly found this survey to be a pretty accurate reflection of credit file awareness. Most people are simply not checking whether their credit file is accurate or fair and if it contains mistakes, they don’t even know about it until they apply for credit and are refused.

    Myself and Legal Practitioner Director MaryAnn Armstrong – Principal Solicitor see it as being vitally important to continue to promote credit reporting awareness in the community, and continue to act as that voice of advocacy in matters of credit reporting as they affect consumers. And in the process, we will also be using the arm of the law to affect change on a case by case basis in areas of credit reporting inconsistency.

    How we can help you

    MyCRA Lawyers are offering a free credit check to readers who have never checked their credit rating. Visit http://freecreditrating.com.au/.

    If you are currently experiencing credit issues, a more in-depth Credit File Analysis can also be obtained – call MyCRA Lawyers on 1300 667 218 for more details. If you need our credit dispute services, MyCRA Lawyers’s pricing model comes at a fraction of the cost of many other legal services.

    Image: Salvatore Vuono/ www.FreeDigitalPhotos.net