Site 2 — Cordoba Legal · Payday Loan Validation
Working domain placeholder: cordobapaydayreview.com
Brand voice: Professional, authoritative, law-firm grade — but urgent and empathetic
Phone (placeholder): (888) 988-6815

PAGE 1 — Home (/index.html)
markdown---
page: home
title: Free Payday Loan Review | Cordoba Legal Group
meta_description: Is your payday loan even legal? Get a free case review. Many payday loans violate state lending laws — you may not owe what the lender claims.
---

# HERO SECTION

## Is Your Payday Loan Even Legal?

### Find out in minutes — with a free case review from Cordoba Legal.

Many payday loans violate state lending laws. If yours does, you may not 
owe what the lender claims. Our team reviews your loan against your 
state's regulations and tells you exactly where you stand.

[BUTTON: Get My Free Review → #lead-form]
[BUTTON: Call (888) 988-6815 → tel:+18889886815]

---

# TRUST BAR

✓ Free Case Review   ✓ No Credit Impact   ✓ Attorney-Led Team   ✓ 100% Confidential

---

# URGENCY BLOCK

## You May Not Owe What They Say You Owe

Payday lenders count on borrowers not knowing their rights. But state 
and federal laws place strict limits on what lenders can charge and how 
they must operate. When a lender breaks those rules, the borrower may 
have legal grounds to stop paying, recover money already paid, or both.

**The only way to know is to have your loan reviewed.** And the review is free.

[BUTTON: Start My Free Review → #lead-form]

---

# QUALIFIERS SECTION

## You May Qualify If:

### The interest rate seems extremely high
Many states cap payday loan interest rates. Rates above those caps may 
make the loan unenforceable.

### The lender is not licensed in your state
Lenders must be licensed to operate in the states where they issue 
loans. Many payday lenders — especially online and tribal lenders — are not.

### You are being harassed by collectors
Debt collectors must follow the Fair Debt Collection Practices Act. 
Violations give you legal rights and leverage.

### You are paying but the balance never drops
If you've been paying for months and the principal hasn't moved, the 
loan terms may be predatory or illegal.

### You have multiple payday loans
Stacking payday loans is a classic sign of a debt trap — and often a 
sign that one or more of your loans may be challengeable.

[BUTTON: Check My Loan — It's Free → #lead-form]

---

# HOW IT WORKS

## How the Review Works

### Step 1 — Submit Your Info
Fill out the short form below. Takes about 60 seconds. No credit check, 
no obligation.

### Step 2 — We Review Your Loan
Our team checks your loan against your state's lending laws, licensing 
requirements, and federal consumer protection standards. Most reviews 
complete within 2–3 business days.

### Step 3 — You Get Clear Answers
We tell you in plain English whether your loan is legal, whether it's 
challengeable, and what your options are. You decide what to do next — 
no pressure.

---

# TESTIMONIALS

## Real People. Real Relief.

> "I had no idea my payday loan was even something I could challenge. 
> Cordoba walked me through it and I stopped paying a lender who had no 
> right to collect in my state in the first place."
> **— Denise K.**

> "I had three payday loans and thought I'd be paying forever. The 
> review was free, fast, and showed me two of them weren't even legal."
> **— Marcus B.**

> "They explained everything clearly. No legal jargon, no pressure, and 
> the consultation didn't cost me anything."
> **— Robert A.**

---

# LEAD FORM [#lead-form]

## Get Your Free Payday Loan Review

### Tell us about your loan. We'll tell you where you stand — free.

[FORM EMBEDDED HERE — see Form Spec below]

---

# FOOTER CTA

## The Review Is Free. The Answers Could Change Everything.

[BUTTON: Call (888) 988-6815 → tel:+18889886815]
[BUTTON: Start My Free Review → #lead-form]

PAGE 2 — How It Works (/how-it-works.html)
markdown---
page: how-it-works
title: How Our Payday Loan Review Works | Cordoba Legal
meta_description: Our free payday loan review process in three steps. Verification, evaluation, and clear answers about your loan's legality.
---

# HERO

## How Our Review Works

### Free, fast, and honest. Here's exactly what happens when you request a review.

[BUTTON: Start My Free Review → /#lead-form]

---

# STEP 1

## Step 1 — Loan Verification

After you submit your information, a specialist contacts you to gather 
the details we need: which lender, approximate loan amount, when you 
took the loan out, and what state you live in.

**What we check:**
- Is the lender licensed to operate in your state?
- Is the lender operating through a state exemption, tribal claim, or 
  offshore arrangement?
- Does your state have specific caps on payday loan interest rates or terms?

**Time required:** About 10–15 minutes of your time.

---

# STEP 2

## Step 2 — Loan Evaluation

Once we've verified the basics, our team evaluates your loan documents 
against your state's lending laws and federal consumer protection rules.

**What we examine:**
- The effective annual percentage rate (APR) charged
- Required disclosures and whether they were provided
- Whether the loan meets your state's definition of a legal consumer loan
- Any collections activity and whether it complies with the FDCPA

**Time required:** Usually 2–3 business days.

---

# STEP 3

## Step 3 — Your Options

Once the evaluation is complete, we walk you through what we found and 
what it means for you. Every case is different, but the typical options are:

**If the loan is legal and enforceable:**
We'll tell you honestly. You may still have options to negotiate better 
terms or consolidate — and we can help you think through those.

**If the loan is challengeable:**
You may have grounds to dispute the debt, stop payment, or even recover 
money you've already paid. We'll explain your options clearly.

**If collectors are violating the law:**
FDCPA violations carry real consequences for collectors — and real 
leverage for you. We'll help you document and respond.

You decide what to do next. No pressure, no upsells, no gimmicks.

[BUTTON: Start My Free Review → /#lead-form]

---

# WHY CHOOSE US

## Why Cordoba Legal

### Attorney-Led
Our reviews are led by experienced legal professionals who know consumer 
lending law inside and out.

### Truly Free
The review costs nothing. We tell you upfront what — if anything — any 
next steps would cost.

### Confidential
Your information is protected. We don't sell your data, and we only 
discuss your case with you.

### Nationwide
We serve clients across the United States (with limited exceptions) and 
review every case against your specific state's laws.

---

# CTA

## Ready for Answers?

[BUTTON: Get My Free Review → /#lead-form]

PAGE 3 — FAQ (/faq.html)
markdown---
page: faq
title: Payday Loan Review FAQ | Cordoba Legal
meta_description: Frequently asked questions about our free payday loan validation review. Learn about eligibility, costs, and what to expect.
---

# HERO

## Frequently Asked Questions

### Everything you need to know about our payday loan review.

---

# QUESTION 1

## Is the review really free?

Yes. The initial case review costs nothing, and there's no obligation to 
do anything after. We explain what we found and what your options are — 
and you decide from there.

---

# QUESTION 2

## Will requesting a review hurt my credit?

No. Requesting a review has zero impact on your credit score. We don't 
run credit checks as part of the review process.

---

# QUESTION 3

## What if I'm already being sued by a lender?

Contact us immediately. We can still help, and timing matters when a 
lawsuit has been filed. The sooner we can review your case, the more 
options you may have.

---

# QUESTION 4

## How long does the review take?

Most reviews are completed within 2–3 business days from the time we 
have all the information we need. Complex cases — especially those 
involving multiple loans or tribal lenders — may take slightly longer.

---

# QUESTION 5

## What states do you serve?

We serve clients across the United States, with a few exceptions where 
state law restricts our services. When you submit the form, we'll let 
you know right away if we can help in your state.

---

# QUESTION 6

## Do you need my loan documents?

Not to start. The initial review only requires basic information: 
lender name, approximate loan amount, and your state. If we need copies 
of your loan documents to complete the evaluation, we'll walk you 
through exactly what to send.

---

# QUESTION 7

## What if I can't find my loan documents?

That's fine. Most lenders are required to provide loan documents on 
request, and we can help you request them if needed. Missing documents 
don't disqualify you from a review.

---

# QUESTION 8

## What if my loan is from a tribal lender?

Tribal lenders often claim sovereign immunity to avoid state lending 
laws, but that claim is not always valid. Many tribal loan arrangements 
have been successfully challenged. If your loan is from a tribal lender, 
it's worth having it reviewed.

---

# QUESTION 9

## What if I've already paid off the loan?

You may still have options. In some cases, borrowers who paid on illegal 
loans have been able to recover money after the fact. Submit a review 
and we'll tell you if it's worth pursuing.

---

# QUESTION 10

## Are you a law firm?

Yes. Cordoba Legal Group is a licensed law firm based in Boca Raton, 
Florida. We review payday loan cases nationwide in partnership with 
qualified legal professionals in relevant jurisdictions.

---

# CTA

## Still Have Questions?

The easiest way to get answers is to request a free review — we'll 
address your specific situation directly.

[BUTTON: Get My Free Review → /#lead-form]
[BUTTON: Call (888) 988-6815 → tel:+18889886815]

PAGE 4 — About (/about.html)
markdown---
page: about
title: About Cordoba Legal Group
meta_description: Cordoba Legal Group is a law firm helping consumers challenge predatory payday loans and assert their rights under state and federal lending laws.
---

# HERO

## About Cordoba Legal Group

### Comprehensive. Compassionate. Committed.

---

# OUR STORY

## Who We Are

Cordoba Legal Group is a law firm dedicated to helping consumers 
understand and assert their rights — especially when it comes to 
predatory lending, unfair debt collection, and the kinds of financial 
traps that hit hardest when people can least afford them.

We believe that most borrowers have no idea how much protection the 
law actually provides them. Payday lenders, debt collectors, and 
predatory finance companies count on that. Our job is to change it.

---

# OUR MISSION

## Our Mission

We set out to do three things, every time:

### Review honestly
We tell clients what we find — good, bad, or uncertain. No inflated 
promises, no worst-case scare tactics.

### Explain clearly
Legal language is confusing. We translate what your loan actually says 
and what the law actually allows into plain English.

### Act effectively
When a case has merit, we pursue it thoroughly. When it doesn't, we 
say so and move on.

---

# VALUES

## What Guides Our Work

### Comprehensive
Every case and every client is different. We look at the full picture 
before we recommend anything.

### Compassionate
Payday loan debt is stressful. We treat every client with the patience 
and respect they deserve, no judgment.

### Committed
When we take a case, we see it through. Our clients' outcomes matter 
to us — and we never forget that.

---

# OFFICE

## Our Office

**Cordoba Legal Group**
102 NE 2nd Street
Boca Raton, FL 33432
(888) 988-6815

---

# CTA

## Ready to Know Where You Stand?

[BUTTON: Get My Free Review → /#lead-form]

PAGE 5 — Contact (/contact.html)
markdown---
page: contact
title: Contact Cordoba Legal Group
meta_description: Contact Cordoba Legal Group for a free payday loan review. Call, email, or submit our online form — a specialist will respond within one business day.
---

# HERO

## Contact Us

### Questions? Ready for a review? We're here.

---

# CONTACT METHODS

## Three Ways to Reach Us

### Call
**(888) 988-6815**
Monday – Friday, 9am – 6pm ET

### Email
**info@cordobapaydayreview.com**
We respond within one business day.

### Free Review Request
Fill out the form below and a specialist will contact you within one 
business day to start your free payday loan review.

---

# FORM

## Request Your Free Review

[FORM EMBEDDED — same lead form as home]

---

# OFFICE INFO

## Our Office

**Cordoba Legal Group**
102 NE 2nd Street, Suite 237
Boca Raton, FL 33432

---

# CTA

[BUTTON: Call (888) 988-6815 → tel:+18889886815]

PAGE 6 — Thank You (/thank-you.html)
markdown---
page: thank-you
title: Thank You | Cordoba Legal Payday Review
noindex: true
---

# THANK YOU

## Your Review Request Has Been Received ✓

### A specialist will contact you within one business day.

Thank you for reaching out. We've received your request and a Cordoba 
Legal specialist will review your information and contact you shortly 
to begin your free payday loan review.

### What Happens Next

1. A specialist calls or emails you within one business day
2. We gather the details needed to review your loan
3. You receive clear answers about your legal options — free

### Need to reach us sooner?

Call us directly at **(888) 988-6815** — Monday through Friday, 
9am to 6pm ET.

[BUTTON: Return to Home → /]

PAGE 7 — Privacy Policy (/privacy.html)
markdown---
page: privacy
title: Privacy Policy | Cordoba Legal Payday Review
---

# Privacy Policy

**Effective Date:** [INSERT DATE]

Cordoba Legal Group ("we," "us," "our") respects your privacy. This 
Privacy Policy explains how we collect, use, and protect your information.

## Information We Collect

We collect information you provide directly, including:
- Name, email address, phone number
- State of residence
- Details about your payday loan(s), including lender name and amount
- Any information you include in form submissions or communications

We also automatically collect:
- IP address
- Browser type and version
- Referring URL
- Timestamp of your visit
- Device information

## How We Use Your Information

We use your information to:
- Respond to your inquiry and conduct your free case review
- Evaluate your loan against applicable state and federal law
- Communicate with you about your case
- Send marketing communications (only with your consent)
- Comply with legal obligations

## Information Sharing

We do not sell your personal information. We may share your information with:
- Legal professionals assisting with your review
- Service providers who help us operate our business
- Law enforcement when required by law

## Your Rights

You have the right to access, correct, delete, or opt out of marketing 
communications at any time. Contact us at info@cordobapaydayreview.com 
to exercise these rights.

## Data Security

We use commercially reasonable safeguards to protect your information, 
including encrypted storage and secure transmission.

## SMS/Text Messaging

By opting in to text messages, you authorize us to send you messages 
related to your inquiry and legal services. Message and data rates 
may apply. Message frequency varies. Reply STOP to unsubscribe or 
HELP for help.

## Changes to This Policy

We may update this Privacy Policy from time to time. The most current 
version will always be posted on this page.

## Contact

Cordoba Legal Group
102 NE 2nd Street, Suite 237
Boca Raton, FL 33432
info@cordobapaydayreview.com
(888) 988-6815

PAGE 8 — Terms of Service (/terms.html)
markdown---
page: terms
title: Terms of Service | Cordoba Legal Payday Review
---

# Terms of Service

**Effective Date:** [INSERT DATE]

By using this website and our services, you agree to these Terms of Service.

## About Our Services

Cordoba Legal Group is a law firm. This website offers information 
about our free payday loan review service. Submitting a form or 
contacting us does not, by itself, create an attorney-client 
relationship. An attorney-client relationship is formed only when we 
agree in writing to represent you.

## No Legal Advice Through Website

Information on this website is for general informational purposes only 
and does not constitute legal advice. Do not rely on website content 
as a substitute for consultation with a qualified attorney regarding 
your specific situation.

## No Guarantee of Outcomes

Every case is different. We do not guarantee any particular legal 
outcome. Past results do not predict future results.

## State Restrictions

Some of our services may not be available in every state. We do not 
provide debt management services in Oregon. State-specific restrictions 
may apply based on your jurisdiction.

## Confidentiality

We treat the information you share with us as confidential. However, 
until an attorney-client relationship is formally established, 
attorney-client privilege may not apply. Please do not send us 
confidential information before we have confirmed we can represent you.

## Limitation of Liability

To the fullest extent permitted by law, Cordoba Legal Group shall not 
be liable for any indirect, incidental, or consequential damages 
arising from your use of this website or services.

## Attorney Advertising

This website may be considered attorney advertising under the rules 
of some states. Hiring a lawyer is an important decision and should 
not be based solely on advertisements.

## Governing Law

These Terms are governed by the laws of the State of Florida, without 
regard to conflict of law principles.

## Contact

Questions about these Terms? Contact us at info@cordobapaydayreview.com.

FORM SPEC — Site 2
Form ID: cordoba-payday-lead
Submit endpoint: POST /api/leads/cordoba-payday
Fields
#FieldTypeRequiredNotes1First Nametext✅2Last Nametext✅3Emailemail✅validated format4Phonetel✅US format, 10 digits5Stateselect✅50 states, excludes Oregon6Number of Payday Loansselect✅1 / 2 / 3 / 4+7Total Loan Amountselect✅Under $500 / $500–$1,000 / $1,000–$2,500 / $2,500–$5,000 / $5,000+8Monthly Payment Amountselect✅Under $100 / $100–$200 / $200–$400 / $400+9Lender Name(s)textoptional10Currently Being Contacted by Collectors?radio✅Yes / No11Best Time to ContactselectoptionalMorning / Afternoon / Evening
Qualifying Logic (frontend + backend)
Based on Second Chance Advocate's real criteria (which I saw on their live site), show a softer message if the lead doesn't strictly qualify — but still capture the lead:

If Monthly Payment < $200 AND Total Loan < $500 → accept but flag as "low priority"
Otherwise → accept as "qualified"

(Don't hard-block anyone — let the specialist decide on the call.)
Consent Block (directly above Submit button)
☐  By checking this box and clicking "Submit," I agree to the Terms of 
   Service and Privacy Policy, and I authorize Cordoba Legal Group to 
   contact me with information about legal services related to payday 
   loan review and debt relief by telephone calls, SMS/text messages, 
   emails, and pre-recorded or artificial voice messages at the phone 
   number and email address I provided above, using automated 
   technology, even if my number is listed on any state, federal, or 
   corporate Do Not Call list. Message frequency may vary (not to exceed 
   two texts per day). Message and data rates may apply. Reply STOP to 
   cancel or HELP for help. I understand that consent is not a condition 
   of purchase and that this submission does not create an 
   attorney-client relationship. View our [SMS Terms & Privacy Policy].
Submit Button
GET MY FREE REVIEW
Backend Capture (invisible)
Same as Site 1 — full schema:

submission_id, site_id: cordoba-payday, timestamp_utc, ip_address, user_agent, referring_url, landing_page_url, submission_page_url, consent_text_version, consent_timestamp, trustedform_cert_url, session_duration

Post-submit Behavior

Validate all required fields
Validate email and phone format
Reject if State = Oregon → "We do not provide these services in your state at this time."
Write to leads table with qualification flag
Send notification email to admin (include qualification flag so prioritization is immediate)
Redirect to /thank-you.html
Fire analytics event: lead_submitted (with qualification status as parameter)


Site 2 Checklist

 Home page
 How It Works page
 FAQ page
 About page
 Contact page
 Thank You page
 Privacy Policy
 Terms of Service
 Form spec with qualifying logic
 Consent language (law firm version)
 Backend capture spec
 Logo (pending)
 Real phone/domain confirmation (pending)