30-Day Fast Track Promotion Terms

1. Who we are. This promotion is run by Legal Practice Holdings Group Pty Ltd trading as MyCRA Lawyers, ABN 12 615 900 788 ("we", "us").
2. What the 30-Day Fast Track is. A limited-scope legal service. For 30 days we work to have a default removed from your credit file. The fee is fixed and lower than our standard fixed fee. The fee is set out in your costs agreement.
3. Who can get it. You can get the 30-Day Fast Track only if all of these apply: (a) the default is a consumer (personal) default, not a business or commercial default; (b) it was listed by a creditor on The Fast List: Credit Corp, Foxtel, Telstra, Latitude, Pioneer Credit, Panthera Finance, Toyota Finance, MoneyMe, Optus, PRA Group, or Australian Receivables Management (ARM); and (c) we accept you as a client after your appointment.
4. Your credit report. Before your appointment you must give us at least one credit report, from Equifax or Experian, as a PDF, less than 3 months old. We prefer both. You pay for your own credit reports.
5. When your 30 days start. Your 30 days start on the day we send you our client agreement documents. That day is Day 1. They do not start when you sign. The sooner you sign and return them, the more of your 30 days we can use. We do not start work until we have your signed documents.
6. What we do in the 30 days. We work on your matter using our usual approach. We decide the strategy. We do not promise that your default will be removed, or when.
7. Day 30. Our engagement ends at the end of Day 30. On Day 30 we send you an off-risk letter by email and close your file.
8. After Day 30. Once your file is closed we do no more work on your matter. We will not call, email or update you about it, and we will not monitor, reply to or pass on anything we receive about it from the creditor or anyone else. If your default is removed after Day 30, that is great, but you will need to check your own credit file to find out. The only thing we will talk to you about after Day 30 is an upgrade, and only during the 48-hour upgrade window.
9. Upgrading to Full Service. You can upgrade to our Full Service within 48 hours after the end of Day 30. To upgrade, sign the upgrade agreement and pay the upgrade fee shown in your costs agreement before the 48 hours end. With Full Service we keep working until the default is removed or every option is used up. What you paid for the 30-Day Fast Track counts toward it. If you do not upgrade within 48 hours, the upgrade offer ends.
10. Fees and refunds. The 30-Day Fast Track fee is not refunded because your default was not removed in the 30 days. That is the trade for the lower fee. Nothing in these terms limits your rights under the Australian Consumer Law.
11. Money Back Guarantee. Our Money Back Guarantee does not apply to the 30-Day Fast Track.
12. Results. Removal rates and average days shown for The Fast List are MyCRA Lawyers internal data for consumer defaults as at 14 October 2026. Every matter is unique. Past results are not a guarantee of future success.
13. Creditor names and logos. Creditor names and logos are trade marks of their owners. They are used only to identify the creditor. We are not affiliated with or endorsed by any creditor shown.
14. Changes. We can change or end this promotion at any time. That will not affect clients we have already sent client agreement documents to.
15. Your costs agreement. If these terms and your costs agreement say different things, your costs agreement applies.

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