Justice shouldn't
come with
a price tag.
Monay & Associates represents consumers in private arbitration against debt collectors, creditors, and credit bureaus — at flat fees most people can actually afford. You know the total cost before committing. No hourly clock. No courtroom visits for most matters. No surprises.
Flat fees quoted up front · No commitment until you're ready to move forward.
Roughly 77% of
Americans are priced
out of legal help.
Traditional firms charge $250–$500 an hour before they've reviewed a single document. Most consumer disputes — unpaid debt you don't owe, errors on your credit report, a collector calling after you told them to stop — never see the inside of a courtroom. They don't need to. Consumer arbitration is faster, private, and resolves most matters in three to six months.
We built Monay & Associates around exactly these cases: debt collectors violating the FDCPA, creditors reporting inaccurate information, billing errors that linger on your account for years. The disputes that deserve a real advocate — not a referral to someone who charges more than the dispute is worth.
See the practice areas →
From case evaluation to
signed-off settlement.
Every matter follows the same path. You always know which step you're on, what evidence is required next, and what the timeline actually looks like.
Schedule a case review
Tell us what happened. We assess the dispute, identify the applicable federal law, and give you a straight answer: whether arbitration fits, and what it would cost — before you owe us anything.
Filing & representation
Once you choose to move forward, we take over. Demand letters drafted, claim filed, every respondent communication handled — you're kept informed at each step, not handed a bill for it.
Settlement or award
Most matters resolve within three to six months. We walk you through every offer. Nothing is signed without your review and approval — the final decision is always yours.
The traditional firm versus
Monay & Associates.
Practice areas.
The categories of dispute that show up most often on intake calls. If your situation doesn't match a label exactly, reach out anyway — a $197 case evaluation will tell you whether arbitration can move it.
Know the cost before you commit.
Choose the level of support that fits your matter. All prices are quoted up front and locked in — no hourly meter, no retainers, no invoices that grow while the case does.
Not sure if you have a case? Start here. We review your documents, identify the applicable federal law, and hand you a clear written assessment — so you know exactly where you stand before spending another dollar.
- ✓ Written case assessment within 2 business days
- ✓ Applicable federal law identified (FCRA, FDCPA, TCPA)
- ✓ Clear recommended path with honest likelihood assessment
- ✓ No commitment to move forward — ever
Your case is ready to be heard. We draft the demand, navigate the procedural rules, and file your claim with the appropriate arbitrator — everything documented, organized, and on record.
- ✓ Everything in Case Evaluation
- ✓ Demand letter drafted and sent on your behalf
- ✓ Arbitration claim filed — procedural rules handled
- ✓ Complete case file organized and submitted
- ✓ Step-by-step updates — you always know where things stand
Hands off. We manage every stage from intake to resolution — every deadline, every letter from the other side, every counter-offer. You focus on your life; we focus on your case.
- ✓ Everything in Arbitration Preparation
- ✓ Active case strategy through every stage
- ✓ Every respondent communication handled for you
- ✓ Settlement negotiation — you approve the final offer
- ✓ Full escalation support — we help you identify next steps if the matter requires counsel
All fees are flat-rate and disclosed up front. You know the full cost before committing — no surprises, no hourly clock.
Client Outcomes
Real people. Real results.
Every case is different. These are a few of the clients we've represented in private arbitration — and what they walked away with.
FDCPA — Debt Collector Harassment
"A collector was calling my employer and threatening legal action on a debt that wasn't even mine. Monay & Associates filed in arbitration and resolved it in four months. I didn't have to deal with the collector again."
FCRA — Inaccurate Credit Reporting
"A charge-off from a closed account was killing my credit score even though it had been paid. They walked me through every step, disputed it properly, and got it removed. My score went up over 80 points."
Unlawful Repossession
"My car was repossessed without proper notice and I had no idea I had any recourse. After the case evaluation I understood exactly what my rights were. The process was professional and they kept me informed the entire time."
Case Evaluation
Tell Us About Your Case
Our team reviews every submission within 1 business day and responds with a plain-English assessment — no legal jargon, no pressure.
If your situation doesn't qualify for arbitration, we'll tell you plainly in writing — exactly what we found and why. No upsell, no pressure, no runaround.
We've received your submission.
Our team will review your case and reach out within 1 business day with a plain-English assessment. Check your inbox for a confirmation email.
Questions in the meantime? Email hello@hiremonay.com
What makes us
the obvious choice.
What the firm commits to on every intake.
A $197 case evaluation — know exactly where you stand before committing to anything.
Flat scope quoted up-front — no hourly meter.
Settlement, counter-offer, or award — you sign the final.
Before you
reach out.
Still have a question? Send it through the intake form and we will reply within two business days.