Predatory lending intake that flags hidden fees and rate deception
Every predatory lending enquiry answers whether the loan was misrepresented, what fees or add-ons were tacked on, and whether the lender checked repayment ability before approving. Loan documents and payment records are collected upfront so you see the real exposure before a consultation is booked.
The exact intake your predatory lending leads complete
This is the real 8-question guided intake for Predatory Lending — the same flow your customers finish before you ever pick up the phone.
What a qualified predatory lending lead should tell you
A claim that a lender or broker misrepresented loan terms, buried excessive fees or add-ons, or approved financing without checking a borrower's ability to repay, resulting in financial harm to a personal or household borrower.
- Loan Or Financing Personal,
- Get This Loan Or
- Sign Loan Agreement Within
- Believe Lender Or Broker
- Charged Very High Fees
- Lender Push Into Loan
- Suffered Financial Harm From
- Know Name Lender, Loan
The questions your team needs answered
Every predatory lending intake asks these — and why each one matters.
| Question | Why it matters |
|---|---|
| Was the loan or financing for personal, family, or household use (not mainly for a business)? | A business-purpose loan falls outside typical consumer predatory lending protections, so a no answer meaningfully lowers fit. |
| Did you get this loan or refinancing in the United States? | Financing originated outside the United States may fall outside the consumer protection framework your firm relies on, so this gates jurisdiction early. |
| Did you sign the loan agreement within the last 4 years? | How recently the loan was signed affects how likely the claim sits inside a limitations period, so recent loans are weighted higher without the intake making a legal determination. |
| Do you believe the lender or broker misled you or left out important information about the loan (like the interest rate, total cost, fees, or whether the rate could change)? | Misrepresentation of rate, cost, or fees is the core allegation behind most predatory lending claims, which is why it carries one of the highest weights in the catalog. |
| Were you charged very high fees or add-ons you didn’t want or understand (like credit insurance, warranties, memberships, or “points”)? | Undisclosed add-ons like credit insurance or points are a distinct, well-documented predatory lending pattern separate from rate misrepresentation. |
| Did the lender push you into a loan you couldn’t realistically afford, or approve you without properly checking your ability to repay? | Approving a loan without checking repayment ability points to an underwriting failure that strengthens the claim independent of any rate misrepresentation. |
| Have you suffered financial harm from this loan (such as missed payments, collections, damaged credit, repossession/foreclosure risk, or paying much more than expected)? | Confirmed financial harm carries the highest weight in the catalog because it demonstrates actual damages rather than a purely technical violation. |
| Do you know the name of the lender, loan company, or dealer that arranged the financing (or can you find it on your paperwork)? | Knowing the lender or dealer name makes the claim easier to investigate immediately, so a no answer is weighted lower but still routed for follow-up. |
How Cliont scores predatory lending leads
Every answer is weighted automatically — no manual review required.
Value signals
- Loan Or Financing Personal,: yes
- Get This Loan Or: yes
- Sign Loan Agreement Within: yes
- Believe Lender Or Broker: yes
- Charged Very High Fees: yes
- Lender Push Into Loan: yes
See the lead your team receives
Predatory Lending Lead
From first click to qualified lead
Follow people and businesses seeking counsel through one smooth, guided flow.
They land & meet you
Your video greeting plays instantly — a real face instead of a blank form.
They explain the matter
Smart questions adapt to their matter and capture the full scope.
They share the documents
The facts, dates, and any paperwork come attached, so you can assess the matter before the consultation.
You get a ready lead
Scored and qualified — waiting for you to win it.
Built for predatory lending workflows
| Cliont capability | Predatory Lending application |
|---|---|
| Weighted scoring logic | Automatically ranks a claim of misrepresented terms or unchecked repayment ability above a lower-weighted business-purpose or older-loan answer, so the strongest predatory lending claims surface first. |
| Document capture | Collects the loan agreement and payment history before the consultation, so you can check the actual APR, fees, and payment record against what the borrower reported. |
| Conditional follow-up flagging | When a prospective client can't name their lender, the lead is still delivered but flagged for a quick document-gathering follow-up instead of going straight to a booked consultation. |
| CRM routing | Sends only leads that clear your predatory lending criteria into your CRM, so business-purpose or out-of-country loans don't consume consultation slots meant for qualifying consumer claims. |
Common predatory lending lead scenarios
Misrepresented rate on a recent loan
Borrower signed within the last four years and believes the lender left out the true rate or total cost. This combination scores near the top since recency and misrepresentation carry the heaviest weights.
Unaffordable loan pushed through
Lender approved financing without properly checking repayment ability, and the borrower is now behind, in collections, or facing repossession or foreclosure risk. The intake surfaces both the underwriting failure and the resulting harm.
Hidden fees and unwanted add-ons
Borrower was charged for credit insurance, warranties, memberships, or points they didn't request or understand, distinct from a rate-misrepresentation claim and scored accordingly.
Business-purpose loan, lower fit
Financing was mainly for a business rather than personal or household use, which pulls the score down even if other answers look strong, since that question carries the lowest weight when answered no.
Harm confirmed, lender unidentified
Borrower reports real financial harm but can't yet name or document the lender or broker, so the lead still qualifies but is flagged for a quick follow-up to locate paperwork before the consultation.
Connect Cliont to your workflow
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More consumer law intake templates
Predatory Lending lead-intake FAQs
Does this intake work for business loans, or only personal loans?
The intake asks upfront whether the financing was mainly for personal, family, or household use. Business-purpose loans are weighted far lower, so those enquiries surface as lower-priority rather than being filtered out entirely.
What if the loan was signed more than four years ago?
The intake still accepts it, but loans signed within the last four years carry a higher weight than older ones, which helps you spot claims that are more likely to be inside a limitations period without making that determination for you.
What counts as being misled about loan terms in the intake?
The question asks whether the lender or broker left out or misrepresented the interest rate, total cost, fees, or whether the rate could change, and it's one of the highest-weighted questions in the catalog.
Do prospective clients need to know the lender's name to submit?
No. If they don't know or can't find the lender or loan company on their paperwork, the lead is still scored and routed, just with a slightly lower weight than leads who already have that identifying detail.
Does the intake require proof of financial harm before it qualifies a lead?
The intake asks whether the borrower has suffered harm such as missed payments, collections, damaged credit, or repossession/foreclosure risk, and this carries the single highest weight in the catalog, but it's a yes/no answer, not a document requirement.
How is this different from the intake for payday and title loan issues?
Predatory Lending covers broader misrepresentation, unaffordable underwriting, and hidden-fee claims across loan types, while Payday and Title Loan Issues is its own sibling subservice for that specific loan category.
Turn predatory lending visitors into qualified cases
Give every predatory lending visitor a guided intake instead of a dead contact form — and get a scored, qualified lead before you book a consultation.