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action alimony amount annual percentage rate applies arrearages assets Attorney at Law attorney fees Attorney's Lien award basis billable billable hour charge interest Client expenses client statement consumer credit contingent fee arrangement costs counsel Credit Billing Act creditor custody deposit account disclosures dissolution divorce enforce entries Ethical Consideration factors Fair Credit Billing Family Law fee agreement finance charge hereby hour hourly charges hourly rate husband hypnosis imposed income involved issue lawyer Lawyers Professional Responsibility ledger legal services letter litigation marital MATRIMONIAL LAW matter ment Minn month motion Neurolinguistic Programming Newton Notice of Attorney's NW 2d overhead paid payment Ploetz practice proceeding Professional Responsibility Professional Responsibility Board rate of interest record retainer agreement retainer deposit account Richard Driver Ruzic secure services rendered slip spouse Stat statute substantial timekeeping trial court Truth-in-Lending Act unpaid unrepresented party usury utilized wife William Sheldon