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2 Options for Affordable Legal Services Financing
Now Offering 2 Flexible Financing Options to Make Your Family Law Matter More Affordable
At Hornberger Verbitsky, P.C., we believe everyone deserves quality legal representation, regardless of their financial situation. That’s why we now offer two flexible financing options to make your divorce or family law matter more affordable.
What Is Pay Later Financing for Legal Services by Affirm?
8am LawPay financing allows eligible clients to move forward with their case immediately while spreading the cost of legal fees over time. Once your financing is approved, you’ll pay in monthly installments, and our firm receives the full payment upfront. This option helps you secure legal counsel without the burden of paying everything at once.
Key Benefits of Pay Later Legal Financing
- No Large Upfront Costs – Begin your case without a lump-sum payment.
- Predictable Monthly Payments – Spread your legal fees over time.
- No Hidden Fees – Transparent payment terms with no surprises.
- Accessible Legal Help – Avoid delaying important legal action due to cost.
How the Process Works
#1. Apply for Financing – Clients who meet the requirements can apply.
#2. Get Approved – Once approved, you’ll set up a payment plan.
#3. Pay Over Time – Fees are divided into monthly installments.
#4. Focus on Your Case – We handle your legal matters while the lender manages billing and collections.
Why Pay Later Financing Matters
Legal challenges often come with financial stress, and many people put off hiring an attorney because of the upfront expense. Our 8am LawPay financing option helps remove that barrier, ensuring you can get the representation you need when it matters most.
Who Qualifies for 8am LawPay Legal Services?
Not every client will qualify, as approval is based on certain eligibility criteria. If approved, this program gives you the flexibility to budget for your legal expenses while still receiving strong representation from our attorneys.
Get Started with Affordable Legal Help Today
If you’re worried about affording an attorney, 8am LawPay financing could be the solution. Contact Hornberger Verbitsky, P.C. today to find out if you qualify and learn how this program can make quality legal representation affordable for you.
Call us now at 631-923-1910 or request a free consultation to explore your options.
Frequently Asked Questions About 8 am LawPay by Affirm
Q. What is 8am LawPay?
A: 8am LawPay flexible payment options offer our clients the ability to pay over time, giving them control, convenience, and increased purchasing power. To learn more about Affirm, visit their website: https://www.affirm.com/about
Q. What is 8am LawPay financing for legal services?
8am LawPay financing by Affirm allows eligible clients to pay their legal fees in monthly installments instead of one lump sum, making your representation more affordable.
Q. How do I qualify for 8am LawPay legal financing?
A: Clients must apply and meet certain eligibility requirements. Approval depends on credit and financial factors reviewed by the financing provider Affirm.
Q. Why should I consider 8am LawPay financing by Affirm?
A: It helps you secure legal representation without delaying important decisions due to cost, easing the financial burden of upfront fees.
Q. Are there hidden fees with 8am LawPay financing?
A. No. The program is designed to be transparent, with clear monthly payments and no surprise costs.
Q. How do I get started with 8am LawPay legal help?
A: Contact your attorney at Hornberger Verbitsky, P.C. to apply. Our team will guide you through the application process and explain your payment options.
Q. What are the interest rates and terms?
A: The interest rate will be a 10 to 36% APR, depending on your eligibility. The term options are three, six, 12, 18, or 24 months. There are also no late fees.*
Q. When is my first payment due?
A: Your first payment is due approximately one month after the payment is processed (although you may be asked to make a down payment depending on various factors such as eligibility or the size of the full loan amount).
Q. How do I make installment payments for this loan?
A: All installment loan repayment inquiries should be directed to our consumer financing partner, Affirm. You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Refer to your loan agreement for more details.
Q. Will using 8am LawPay affect my credit score?
A: Checking if you prequalify or applying for a loan through 8am LawPay does not affect your credit. There are certain loans that do not include credit reporting. For example, a four biweekly payment 10% APR option would not be reported. In the cases where Affirm does report a loan to a credit bureau, it reports the full payment history, not just delinquent payments. This allows our clients an opportunity to build their credit history.
Delinquent payments may impact a consumer’s credit score and may hurt their chances of getting another loan with Affirm, while positive on time repayment may help build a your credit history.
Q. Why do I need a mobile number to use 8am LawPay?
A: You’ll need a mobile number from the U.S. or a U.S. territory in order to help Affirm verify it’s really you who is creating your account and signing in.
Q. Do I have to use 8am LawPay to pay my attorney?
A: No, you are not required to use 8am LawPay. We are offering 8am LawPay as a payment option, but you should ask us about other payment types we accept, such as credit, debit, or eCheck payments.
Q. How does 8am LawPay differ from a credit card?
A: Unlike credit cards, 8am LawPay’s loans are not a revolving line of credit. Instead, applicants are approved only for the amount they’re looking to borrow—on their terms. You can select your own repayment terms, and there’s no penalty for paying it off early. Additionally, unlike most credit cards, Affirm does not charge compounding interest.
If you’re concerned about affording an attorney, financing could be the solution. Contact Hornberger Verbitsky, P.C. today to find out if you qualify and learn how this program can make quality legal representation affordable for you.
Call us now at 631-923-1910 or fill out the form below to request a free consultation to explore your options.
Easy Financing from ePay Finance – Bruised Credit OK
ePay is a multi‐lender platform that provides financing offers direct to you to obtain the funds you need for your legal issues.
ePay approves borrowers with credit scores as low as 550 and offers terms up to 60 months.
With rates from 5.99% to 35.99% subject to income and credit. Your application is a soft inquiry, which means it does not affect your credit score so there’s no reason to not find out how affordable quality representation can be.
Your application goes to a pool of multiple competing lenders who quickly respond with their best offers to meet your financing needs based upon your credit score and income.
Funds come directly to you so you can pay the balance of your retainer and have the representation you need and deserve for a payment you can easily afford.
Concerned you may not qualify? Friends and family are eligible to apply on your behalf.
To see how affordable quality representation can be contact Hornberger Verbitsky, P.C. today for find out if your qualify and learn how this program can make quality legal representation affordable for you.
Call us now at 631-923-1910 for request a free consultation to explore your options.
Benefits of ePay Finance
- No Risk or Obligation
- Interest Rates from 5.99%
- Loan Amounts up to $100,000
- Terms Up to 60 Months
- Funds in as Little as One Day
- No Pre-Payment Penalty
- “Check Your Rate” Feature
- Low Monthly Payments
How It Works
Step 1: Contact Hornberger Verbitsky, P.C. for the application link and click on the “Apply Now” button.
Step 2: Complete the 90-Second Application to get pre-qualified and see your payment options.
Step 3: Accept any offer and complete the loan agreement electronically.
Step 4: Submit any requested documentation and get funded.
About ePay Management
Founded in 2000, ePay Management has an impressive long-term legacy of partnership with its customers in successfully applying technology-based, consumer financing and merchant electronic payment solutions and solving their toughest problems. We are proud of our reputation as a solutions provider and innovator. Our corporate culture is one of dedication, respect, and continuous improvement. We measure our success by our customers’ successes.
Within our Industry, we enjoy a remarkable degree of potential. With that potential comes the responsibility to practice business in accordance with the highest standards, to be accountable for the products and services we market, and to honor our relationships in both appearance and fact.
Since ePay Management was established in January, 2000, we have striven to fulfill these responsibilities. And with good reason. Otherwise, we could lose our most important asset: the trust of our customers, sales partners, affiliates, and vendors in the credibility of the products and services we provide.
We believe that our future depends upon preserving and enhancing this trust. Therefore, we must ensure that:
1. Our integrity is of the highest caliber.
2. We market our unique services with accurate information and present it fairly.
3. Our professional conduct is unassailable.
4. Our personal conduct, as it reflects on ePay Management, is beyond reproach.
Frequently Asked Questions About ePay Finance
What is Direct-to-Borrower Financing?
Funds are provided in the form of a personal loan directly to the borrowers checking account and in turn the merchant collects the balance of their invoice from their funded client. Direct-to-Borrower funding allows more flexibility in loan terms.
What credit score is required for approval?
A minimum credit score is typically 550 but many factors are considered for approval such as debit to income and outstanding collections. The lenders will determine credit worthiness and make an offer based on their analysis. All offers are made instantly with a soft credit pull so the borrowers credit is not negatively impacted.
How long does the approval process take?
Pre-approvals are instant and the borrower can evaluate the best offer that fits their monthly budget. Once the offer is selected the lenders may take up to two days for firm approval and the funds are then dispersed via ACH to the borrowers checking account. On average the process takes 5-7 days for funds to deposit when a borrower is pro-active in completing the loan documents.
What stipulations are required?
A recent pay stub and copy of driver’s license are required by most lenders, some may also require bank statements for proof of income.
How much can be financed?
Our market place can fund $1,000 – $100,000 depending on credit worthiness.
What are the interest rates?
Interest rates very between 5.99% – 36.99% with loan terms up to 84 months depending on credit worthiness and amount funded. The lender may also bill an origination fee of 0-6%.
When do I receive funds?
Once the loan has been approved funds will typically be available in 48 hours.
If you’re concerned about affording an attorney, financing could be the solution. Contact Hornberger Verbitsky, P.C. today to find out if you qualify and learn how this program can make quality legal representation affordable for you.
Call us now at 631-923-1910 or fill out the form below to request a free consultation to explore your options.
GET YOUR FREE CONSULTATION TODAY
Call 631-923-1910 or fill in the form below
Get your complimentary consultation and case evaluation with our experienced attorneys today.
Your attorney will describe the many options available and determine together which is the right solution for you. By the end of this conversation, we’ll all understand how we can best help you to move forward.
No Cost or Obligation
There is no cost or obligation for this initial consultation. It is simply an opportunity for us to get to know each other, answer your questions and learn if Hornberger Verbitsky, P.C. is right the right law firm for you. Give us a call at 631-923-1910 or fill in the short form below for your free consultation and case evaluation.
About the Author
Robert E. Hornberger, Esq., Founding Partner, Hornberger Verbitsky, P.C.
- Over 20 years practicing matrimonial law
- Over 1,000 cases successfully resolved
- Founder and Partner of Hornberger Verbitsky, P.C.
- Experienced and compassionate Long Island Divorce Attorney, Family Law Attorney, and Divorce Mediator
- Licensed to practice law in the State of New York
- New York State Bar Association member
- Nassau County Bar Association member
- Suffolk County Bar Association member
- “Super Lawyer” Metro Rising Star
- Nominated Best of Long Island Divorce Attorney four consecutive years
- Alternative Dispute Resolution Committee Contributor
- Collaborative Law Association of New York – Former Director
- Martindale Hubbell Distinguished Designation
- America’s Most Honored Professionals – Top 5%
- Lead Counsel Rated – Divorce Law
- American Institute of Family Law Attorneys 10 Best
- International Academy of Collaborative Professionals
- Graduate of Hofstra University School of Law
- Double Bachelor’s degrees in Philosophy, Politics & Law and History from SUNY Binghamton University
- Full Robert E. Hornberger, Esq. Bio
