Parties
Identify who claims authority, who is collecting, who is servicing, and who may be acting without a clear contractual role.
SETu contract education and consumer finance support
New Culture Website
NCE provides contract review, financial transaction audit support, pro se litigation assistance, and SETu education for clients who need organized strategy around mortgages, auto finance, credit accounts, and administrative disputes.
SETu section
The Five Lenses of the Contract
Class 6 is framed around five practical ways to inspect a transaction before deciding what action to take. The focus is structure, evidence, accounting, enforcement posture, and remedy.
Promise
Review the written obligations, payment terms, disclosures, transfers, and the documents used to define the relationship.
Performance
Compare the account history, notices, statements, credits, debits, and claimed defaults against the actual record.
Accounting
Test whether balances, charges, interest, fees, credits, and payoff figures can be accurately explained and verified.
Remedy
Determine the proper response: demand letter, QWR, audit, contract review, litigation support, or further research.
Services page
Services and Fee Sheet
All litigation assistance comes with a Service Contract issued within 24 hours after full payment is made, or after the initial down payment is made for approved payment plans. Fees do not cover appeals.
$10,500 / $12,500 / $6,700
- Plaintiff and current: $10,500
- Defendant in default and NCE is the first stop: $12,500
- Case already initiated and NCE is coming in: $6,700
$7,500 / $6,000
- Plaintiff and current: $7,500
- Defendant in default: $6,000
$5,000 flat fee
- Credit card balances of $10,000 or more.
- Appeals are not included in the listed fee.
$750
Review of a transaction, account record, or contract documents for strategy and accounting issues.
$1,500
Litigation support and research assistance for clients representing themselves.
Available upon request
Demand for accurate accounting letters, intent to file suit letters, QWRs, and similar administrative matters are priced based on transaction type, facts, and circumstances.
Payment plan policy
Payment plans are available case by case and should not be assumed. Approved payment plans require a 50% down payment toward the balance.
Open Service SheetConsultation booking
Book a Consultation
$350 for one hour. After booking, submit payment and a confirmation alert should be sent to thomaslegacy603@gmail.com and rhondagibson9022@gmail.com.
Client intake
Client Intake Form
Any untruthful answer may result in termination of services and forfeiture of any assistance contracted for.
Payment plan application
Ability-to-Pay Review
Approval is not guaranteed. Approved plans require a 50% down payment toward the balance.
Founder contact
Lamont A. Thomas
NCE is available during business hours Monday through Friday, 9:30am to 5:30pm EST, and Saturday, 9:00am to 12:00pm. The office is closed on all state and federal holidays.