The plan is available in all 50 states, Puerto Rico, and the U.S. Virgin Islands. Most work is done by phone, computer, or email.

Some state rules may limit what an attorney can do in certain courts.

Complete the enrollment steps on our website. You will:

1. Provide your information.
2. Review and sign the required forms.
3. Set up your monthly payment.
4. Make your first payment.

Your plan starts after we receive:

• Your signed Legal Defense Plan Agreement
• Your signed payment form
• Your first monthly payment

Your monthly fee keeps K&N Legal Defense ready to help with covered matters. It pays for the plan services listed in your agreement.

The fee is an availability fee. It is earned when paid and is not money held for future work.

For a covered debt, K&N Legal Defense may:

• Review legal papers you receive
• Let you give creditors our contact information
• Stay ready to defend you if a covered lawsuit is filed

The plan may cover unsecured consumer debts such as:

• Credit cards
• Store cards
• Payday loans
• Personal loans
• Personal lines of credit
• Medical debt
• Private student loans

Each matter must be reviewed to make sure it is covered.

Unsecured debt is debt that is not tied to property, such as a house or car.

Unsecured debt is debt that is not tied to property, such as a house or car.

No. The plan only covers the services and debt matters listed in your agreement. It does not make K&N Legal Defense your law firm for every debt, lawsuit, or legal issue.

No. The plan does not erase debt. It gives you legal help for covered debt matters and lawsuits.

The plan is mainly designed to provide legal support for covered debt matters and lawsuits. Any negotiation or other work depends on the facts, your agreement, and what your legal team decides is proper.

No. You must pay court costs and other case expenses. These may include:

• Filing fees
• Copies
• Express mail
• Hearing transcripts
• Deposition costs
• Required travel
• Other court or third-party costs

K&N Legal Defense may use another attorney or law firm when needed. K&N Legal Defense pays that attorney’s fees, but you must still pay related court costs and case expenses. You may also need to sign another agreement.

Your services may stop until payment is made. A lawsuit received while your account is unpaid may not be covered.

K&N Legal Defense may also end the plan for unpaid fees or costs.

Your services may stop until payment is made. A lawsuit received while your account is unpaid may not be covered.

K&N Legal Defense may also end the plan for unpaid fees or costs.

Yes. You may end the plan at any time by giving written notice.

You will stop owing future monthly fees, but you must still pay any court costs or case expenses you already owe.

Yes. K&N Legal Defense may end the plan for reasons listed in your agreement. These may include:

• Failed payments
• Failure to provide needed information
• Failure to work with your legal team
• Breaking the agreement
• Legal or ethical rules
• Changes that make the plan unavailable

Tell K&N Legal Defense right away. Moving may change the services available to you.

Tell K&N Legal Defense right away. The plan does not cover bankruptcy cases, and work on a debt lawsuit ends when you file bankruptcy.

No. No lawyer can promise a result. The outcome depends on the facts, the law, the court, the other side, and your help with the case.

No. The person receiving legal help must review and sign their own client forms.

No. Only the client makes decisions about the case.

The payer cannot control the lawyer, legal plan, settlement, or case choices.

Not unless the client gives written permission.

K&N Legal Defense may tell the payer that the person is a client for billing purposes. Other private information will not be shared without the client’s consent.

Yes. K&N Legal Defense’s duties are owed to the client, not the payer.

The payer does not have a right to the client’s legal advice, case papers, or case details.

The payer may be asked to pay:

• The monthly plan fee
• Court costs
• Case expenses

The exact payment duties are listed in the payer agreement.

Services may stop until the payer or client makes the payment. The client may choose to take over the payments.

Yes. The payer may end the payment agreement. The client may then become responsible for future fees and costs.

Yes. The client may withdraw or change their consent in writing. If the client ends the payer’s permission, the client may become responsible for payment.

You may start the process, but the person must agree to become the client and sign the required forms before the plan starts.

They do not have to accept K&N Legal Defense as their law firm. If they do not agree, the payer agreement will not move forward.

Tell us:

• When you received the papers
• How you received them
• Who delivered or received them
• Whether you spoke with the creditor or its lawyer
• Any court dates or deadlines you see

K&N Legal Defense will:

1. Review the papers and deadlines.
2. Decide if the lawsuit may be covered.
3. Complete a conflict check.
4. Assign an attorney licensed in the correct state.
5. Decide if another local attorney is needed.
6. Contact you for missing information.

Prepare the next legal step when proper.

No. Do not assume an attorney has entered the case until K&N Legal Defense confirms it.

The court and the other side may keep sending papers to you. Send K&N Legal Defense every new paper you receive.

K&N Legal Defense will defend a lawsuit when:

• The lawsuit involves a covered unsecured debt
• The lawsuit was filed after your plan began
• Your payments are current
• You sent the papers on time
• The case passes a conflict and coverage review

Your legal team may:

• Review the lawsuit
• Explain your options
• Prepare court papers
• File an answer or motion
• Speak with the other side
• Negotiate
• Attend court
• Review possible claims you may have
• Take other proper steps within your agreement

Yes. An attorney licensed in the state where the lawsuit was filed will be assigned. K&N Legal Defense may also use local or appearance counsel when needed.

You may need to attend a hearing, meeting, deposition, or trial. Your attorney will tell you when you must appear.

Assume you must attend every listed court date unless your attorney clearly tells you otherwise.

Contact your attorney right away. Do not skip court or assume the judge will excuse you.

Your legal team will give you more details. In general:

• Arrive 30 to 45 minutes early
• Bring your photo ID and requested papers
• Dress in clean, neat clothes
• Listen to your attorney and the judge
• Tell the truth
• Do not guess
• Do not interrupt
• Keep your phone silent

Bring:

• A photo ID
• Your hearing notice
• Copies of your court papers
• Papers your attorney asked you to bring
• Your attorney’s contact information
• A pen and small notebook

Do not bring new evidence your legal team has not reviewed unless your attorney tells you to bring it.

You do. Your lawyer will give you advice, but you decide whether to accept or reject a settlement.

Do not agree to a payment, settlement, or other deal before speaking with your legal team.

Do not discuss your case with the other side at court without your attorney.

The creditor may ask the court for a default judgment. This may mean the creditor wins because you did not respond or appear.

No. Appeals and work after a judgment are not included in the plan. Separate help may be available under another agreement.

Work on a lawsuit ends when:

• The case is settled
• The case is dismissed
• A judgment is entered
• You file bankruptcy

Yes.

In California, Michigan, and Nebraska, an attorney may not appear for you in certain small claims cases. K&N Legal Defense may give advice and review papers but cannot appear in those small claims courts.

In New York, an added $50 case fee applies when K&N Legal Defense defends a lawsuit. Court costs and case expenses are still separate.

You may still join the plan for future covered matters. Your current lawsuit will not become covered just because you enroll.

No. Send the papers right away. Court deadlines may be short.

No. Enrolling does not pause or extend a court deadline.

It starts only after K&N Legal Defense:

• Reviews the lawsuit
• Confirms it can help
• Clears conflicts
• Sends you a separate agreement
• Receives the required signed forms and payment terms

Do not assume K&N Legal Defense represents you in the lawsuit until the firm confirms it.

K&N Legal Defense will defend a lawsuit when:

• The lawsuit involves a covered unsecured debt
• The lawsuit was filed after your plan began
• Your payments are current
• You sent the papers on time
• The case passes a conflict and coverage review

Under a separate agreement, K&N Legal Defense may:

• Defend the current lawsuit
• Attend court
• Negotiate
• Review possible claims against a creditor or debt collector

Take other proper steps listed in that agreement

No. A lawsuit filed before the plan starts requires a separate agreement and fee.

No. Court costs and case expenses are separate and must be paid when billed.

Contact clientservices@kandnlegal.com as soon as your payment information changes.

K&N Legal Defense may contact you by:

• Email
• Phone
• Text
• Mail
• An online portal

Check your messages often and tell us right away if your contact information changes.

Email every page to clientservices@kandnlegal.com. Write URGENT in the subject line and include the deadline.

K&N Legal Defense works to protect your information under the law and legal ethics rules.

Some information may be protected by attorney-client privilege or other privacy rules.

Your files may be stored on secure, encrypted cloud systems. K&N Legal Defense uses reasonable steps to protect them, but no computer system is free from all risk.

Yes. K&N Legal Defense uses email and other electronic tools.

Use your own password-protected phone, computer, and email account. Do not use a shared, work, library, or public computer for private legal messages.

Be careful. Sharing private legal advice may cause it to lose legal protection. Ask your attorney before sharing legal messages with a payer, spouse, family member, friend, employer, or another company.

No. Do not post about your case on social media. Do not share legal advice, private papers, or case details online.

No. An AI tool may help with simple process questions, routing, or basic updates. It is not your lawyer and does not replace legal advice.

Do not rely on AI to decide whether to attend court, accept a deal, understand court papers, or handle an emergency.

You must:

• Give complete and honest information
• Send papers on time
• Reply to your legal team
• Attend required court dates
• Keep your contact and payment information current
• Pay court costs and case expenses
• Follow court orders and settlement terms

Tell us if you move, file bankruptcy, or receive another lawsuit

You decide:

• Whether to accept a settlement
• Whether a payment plan works for you
• Your goals after getting legal advice
• Whether to continue the lawyer-client relationship

Your attorney decides how to handle legal strategy, court papers, defenses, and legal arguments.

Send every page right away. Each lawsuit is reviewed on its own for coverage and conflicts.

K&N Legal Defense normally keeps client files for seven years after the matter ends. You may ask for a copy of your client file, except for certain firm work product.

A debt collector is a person or company that collects debts for someone else.

A debt buyer is a company that buys debts and then tries to collect them.

The plaintiff is the person or company that filed the lawsuit.

A summons is a court paper. It tells you that a lawsuit was filed and may tell you when or how to respond.

A complaint is the paper that explains the claims against you and what the other side wants.

An answer is a written reply to the lawsuit. It may admit, deny, or respond to the claims and may list defenses.

A motion is a written request asking the court to do something.

Discovery is the process where both sides ask for information and evidence.

Interrogatories are written questions that must be answered on time.

A request for admission asks you to admit or deny written statements. Missing the deadline may cause the statements to be treated as true.

A deposition is a formal meeting where you answer questions under oath.

A hearing is a court meeting where the judge listens to information and makes decisions.

A trial is a court proceeding where the parties present their case to a judge or jury.

A judgment is the court’s decision. It may say who won and what must happen next.

A default judgment may happen when you do not respond or appear in court. The creditor may win without hearing your side.

A settlement is an agreement that ends some or all of the case. You decide whether to accept it.

A garnishment is a legal process that may allow money to be taken from wages or a bank account after a judgment, subject to state law.

A conflict check helps the law firm make sure it can represent you without a conflict involving another client or legal duty.

“Covered” means the debt and legal matter meet the rules listed in your Legal Defense Plan Agreement.

It means K&N Legal Defense only handles the legal services listed in your agreement. The firm is not your lawyer for every legal problem.

Attorney-client privilege may protect private talks between you and your lawyer. Sharing those talks with someone else may remove that protection.

It is a form that may let K&N Legal Defense act for you in certain covered debt matters. It may allow the firm to speak with creditors, get account information, negotiate, or take other approved steps. You may withdraw it in writing, but doing so may limit what K&N Legal Defense can do.