Nothing. We do not charge for a phone consultation, and will never ask you to pay us a retainer or an hourly rate. If, however, you agree to become an FVF client, we will get paid on a contingency fee basis. This means FVF will be paid a percentage of what we are able to recover on your behalf from the insurance companies. If we are unsuccessful in obtaining a recovery for you, we do not get paid. You only stand to benefit by contacting us.