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In recent years, the old-guard and the new startups in the legal financing industry have conjured up and deployed their own home-brewed "fixed repayment" financing model for cases with potential defense insurance coverage. These other firms (many of which are prestigious members of the various Legal Financing Associations engaging in self-defined "best practices") describe this repayment model as a so-called simple and convenient method of Block Pricing. P I Funder calls it potential "phantom" finance charging-pricing for additional interest after repayment.
Block Pricing, aka Phantom Financing, results in potentially charging injured plaintiffs actual yet phantom finance charges for up to an additional five months under many contracts. If after 30 years you payoff 100% of your million dollar home loan, did your original loan documents also require you to pay tens of thousands of dollars of financing AFTER the loan is paid off? But that is exactly what other legal funding firms require you to do!
Block Pricing is a clever, subtle, and sneaky gimmick to grab extra money from injured plaintiff's who do not realize that they likely owe additional interest-financing charges after their ACTUAL repayment date.
Of course, a proper finance charge would be the actual financing interest rate and fees to calculate repayment (i.e., only up to the month a repayment is actually made - Not after the repayment date and through the end of a "block, or phantom future period."). But certain funding company contracts state that "X" amount is owed if paid any time before month-6, "Y" amount is owed if paid any time before month-12, "Z" amount is owed if paid any time before month-18, etc.... A Block Pricing repayment is based upon the "time block" that it is made.
Thus, if an unsuspecting injured plaintiff fundee wants to repay the amount due on the first day of month-7, or thereafter during months 7- to -11, he or she still has to repay unnecessary interest-finance charges for an entire six months through the last day of month-12. This deplorable over-repayment attributed to unnecessary interest-finance charges AFTER the repayment date, and through the end of that particular "block period", is called a "Phantom Finance Charge" (potentially costing plaintiffs thousands of extra dollars - For no reason!).
How is this remotely possible? Query whether before a funding contract is signed, is it advisable, or even ethical, for an attorney to allow, or at least not notify and advise against, clients to potentially be charged wholly unnecessary post-repayment "phantom financing charges"? Should attorneys prevent, or at least consult (in advance) with clients, to avoid a situation where clients may be charged phantom interest-financing charges if the repayment date does not fall within the very last month of the block period? Of the clients that do learn of their potential or actual overpayments, how many enjoy paying phantom interest-finance charges after their repayment dates?
Worse, do other funding companies even disclose to injured plaintiffs the actual finance charges before repayment, and the phantom financing after repayment? A funding applicant should check their quotes or proposed contracts for the interest rate and fees, and whether phantom charges are imposed. Determine what is due up to an actual repayment date, and the phantom financing after a repayment date until the end of a block period.
We enable each prospective funding applicant to upload any other quotes they may have simultaneously received from other funding companies. We can provide a courtesy analysis of other funding companies unstated financing through the repayment dates and the phantom periods.
How easy is it? During Step 2 of our Application process, it takes just seconds for funding applicants to upload the draft(s) of their other quotes and/or unsigned funding contracts.
Before singing any funding contract, it is important for damaged and injured plaintiffs to know exactly what they are signing after full disclosure. P I Funder is glad to help with this endeavor. Rest assured that P I Funder does not charge undisclosed phantom interest-finance charges for time periods after the month of repayment. To do otherwise to a damaged-injured plaintiff in a time of overwhelming need is to, well, simply shock the legal conscience.
The P I Funder Team