Terms And Conditions

BEFORE USING OR READING STRAIGHTBANKRUPTCY.ORG’S WEBSITE (“Site”), READ THE FOLLOWING LEGAL NOTICES, DISCLAIMERS, AND TERMS OF SERVICE ("Agreement ") CAREFULLY:

The subtitles in this agreement are for reference purposes only and have no legal effect.

These terms explain user (“you”) rights and our rights under this Agreement. Additionally, certain disclosures herein are made pursuant to applicable law. By using our Site, you give absolute consent to the terms listed herein. Be advised that if you do not agree to the terms listed herein, you may not use the Site--please exit our site immediately.

We have the right and sole discretion to change, add, or remove any terms or conditions listed herein without giving individual notice to you prior to any change, addition, removal, or modification. Our posting of any changes on this Site, and your contemporaneous use of this Site, signifies your consent, assent, ratification, affirmation, and acceptance of any such changes.

BENEFITS PURPOSES AND COSTS OF BANKRUPTCY

The United States Constitution provides a method for individuals who are burdened by excessive debt to obtain a fresh start and pursue productive lives unimpaired by past financial problems. It is an important alternative for persons who have more debt and stress than they can handle.

Federal Bankruptcy Laws were enacted to provide honest, hard-working debtors with a fresh start and to establish a ranking and equity among all the creditors clamoring for the debtor's limited resources.

Bankruptcy can help people avoid hopelessness and financial depression that can prevent them from reestablishing themselves as hard-working members of our society.

In situations where there may be money or property available for distribution to creditors, creditors are equalized to ensure, to the extent possible, that money or property is fairly distributed in accordance with established rules concerning which creditors get what.

The following discussion is intended solely as a brief overview of the types of bankruptcy filings and concerning what a bankruptcy filing can and cannot do. No one should base their decision as to whether or not to file bankruptcy solely on this information. Bankruptcy law is complex, and there are many considerations that must be taken into account in making the determination whether or not to file. Anyone considering bankruptcy is encouraged to make no decision about bankruptcy without seeking the advice and assistance of an experienced attorney who practices nothing but bankruptcy law.

Types of Bankruptcy

The Bankruptcy Code is divided into chapters. The chapters which almost always apply to consumer debtors are chapter 7, known as a total liquidation, and chapter 13 which involves an affordable plan of repayment.

An important feature common to all types of bankruptcy filings is the automatic stay. The automatic stay means that the mere request for bankruptcy protection automatically stops and brings to a halt most lawsuits, repossessions, foreclosures, evictions, garnishments, attachments, utility shut offs, and debt collection harassment. It offers debtors a immediate relief by giving the debtor and the trustee assigned to the case time to review the situation and develop an appropriate plan. In most circumstances, creditors cannot take any further action against the debtor or the property without permission from the bankruptcy court and or trustee.

Chapter 7

In a chapter 7 filing the bankruptcy court appoints a trustee to examine the debtor's assets to determine if there are any assets not protected by available "exemptions". Exemptions allow a debtor to retain certain types and amounts of money and property. For example, exemption laws allows a debtor to protect a certain amount of equity in the debtor's residence, automobile, various household goods, insurance, health aids, retirement plans, specified future earnings, such as social security, child support, alimony, and certain other types of personal property. If there is any non-exempt property, the trustee is tasked with the job to sell and distribute any proceeds among the unsecured creditors. Although a liquidation case rarely helps with secured debts, the secured creditor still has the right to repossess the collateral if the debtor falls behind in the monthly payments, the debtor will be discharged from the legal obligation to pay unsecured debts such as credit card debt, medical bills, and utility arrearages. However, certain types of unsecured debt are given special treatment and cannot be discharged. These include some student loans, alimony, child support, criminal fines, and some taxes. In addition to attorney fees, there is a filing fee that must be paid to the Bankruptcy Court.

If you are interested in learning more about chapter 7 bankruptcy filing, additional information about chapter 7 bankruptcy is available at this site.

Chapter 11

Chapter 11 is a type of bankruptcy commonly used for large corporate reorganizations. Chapter 11 bankruptcy shares many of the qualities of a chapter 13, but tends to involve much more complexity on a much larger scale.

Since chapter 11 bankruptcy does not usually apply to individuals whose debts are primarily consumer debts, further information about chapter 11 bankruptcy is available via a bankruptcy basics brochure prepared by the Administrative Office of the United States Courts, dated June 2000, which can be accessed over the internet by visiting the following website: http://www.uscourts.gov/bankruptcycourts.html.

Chapter 12

Chapter 12 of the Bankruptcy Code was enacted by Congress in 1986 to meet the needs of financially distressed family farmers. The primary purpose of this legislation was to give family farmers facing bankruptcy a chance to reorganize their debts and keep their farms.

As with chapter 11 bankruptcy, chapter 12 bankruptcies usually do not apply to individuals whose debts are primarily consumer debts. Additional information about chapter 12 bankruptcies is provided by reference to the same bankruptcy basics brochure referred to above, which can be reached over the internet at the same website previously mentioned in the chapter 11 bankruptcy section above.

Chapter 13

In a chapter 13 bankruptcy case the debtor proposes a bankruptcy plan following the rules set forth in the bankruptcy code to repay creditors over a scheduled period of time, usually from future income. A chapter 13 bankruptcy case can be advantageous in so much as the debtor is allowed to get caught up on mortgages or auto loans without the threat of repossession foreclosure or repossession, and also is allowed to keep both exempt and nonexempt property. The debtor's plan provides an outline to the bankruptcy court concerning how the debtor proposes to dispose of the claims of the debtor's creditors. The debtor's property is protected from seizure from creditors, including mortgages and other lien holders, as long as the proposed payments are timely made and necessary insurance coverage remains in place. Generally, the plan requires monthly payments to the bankruptcy trustee over a period of three to five years. Arrangements can be made to have these payments made automatically through wage withholding.

If you would like to read more information about Chapter 13 bankruptcy, additional information about chapter 13 bankruptcy is available at the Site.

In addition to attorney fees charged in connection with a bankruptcy filing, there also is a filing fee that must be paid to the United States Bankruptcy Court.

Bankruptcy and Potential Limitations

Filing bankruptcy may make it possible for financially distressed individuals to: (1) discharge liability for most debts and get a fresh start; (2) when the debt is discharged, the debtor has no further legal obligation to pay the debt; (3) stop foreclosure actions on their home and allow individuals an opportunity to catch up on delinquent payments; (4) prevent repossessions of cars or other property; or (5) force creditors to return property even after it has been repossessed; (6) halt wage garnishment and other debt collection harassment, and (7) give an individual some financial relief; (8) restore or prevent termination of certain types of utility service; (9) lower the monthly payments and interest rates on certain debts, including secured debts such as car loans or home improvement loans; (10) allow debtors an opportunity to oppose the claims of certain creditors that have committed fraud or are otherwise seeking to collect more than they are legally entitled.

Nonetheless, bankruptcy usually cannot cure every financial problem. Usually, bankruptcy cannot cure the following problems: (1) eliminate certain rights of secured creditors; (2) although a debtor can force secured creditors to take payments over time in the bankruptcy process, a debtor generally cannot keep the collateral unless the debtor continues to pay the debt; (3) discharge types of debts delineated by the federal bankruptcy statutes for special treatment, such as child support, alimony, student loans, certain court-ordered payments, criminal fines, and some taxes; (4) protect all cosigners on their debts; (5) if a relative or friend co-signed on a loan which the debtor discharged in bankruptcy, the co-signer may still be obligated to repay whatever part of the loan not paid during the pendency of the bankruptcy case; and (6) discharge debts that are incurred after bankruptcy has been filed.

Effect of Filing Bankruptcy on Credit

Under federal law a bankruptcy can stay part of a debtor's credit history for up to ten years. Whether the debtor can be granted credit in the future is unpredictable, and probably depends on what good things the debtor does such as obtaining employment, saving money, and making timely payments on financial obligations.

Beware of Credit Counseling Agencies

If an individual is not disciplined enough to adhere to a workable budget, cannot work out a repayment plan with creditors, cannot keep track of uncontrollable bills, or need more help with your debts than can be obtained by merely having a few of your unsecured creditors lower your interest rates somewhat, it likely makes little sense to consider contacting a credit counseling organization for additional advice.

In contrast, you meet all, or most of those criteria, there are many non-profit credit counseling organizations that may work with you to solve your financial problems.

However, one should always be aware that, just because an organization says it's nonprofit, that in and of itself, is no guarantee that its services are free, affordable or even legitimate.

Most credit counselors or credit counseling agencies offer services through local offices, internet, or the telephone. If possible it is probably best to find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.

Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Legitimate counselors will discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

If your financial problems stem from too much debt or your inability to repay your debts, a credit counseling agency may recommend that you enroll in what is knows as a debt management plan commonly referred to as a DMP. A DMP alone is not credit counseling, and a DMP is not for everyone. You should sign up for one of these plans only after a certified credit counselor has spent time thoroughly reviewing your financial situation, has offered you customized advice on managing your money, and has analyzed your budget to make sure that the proposed DMP is one you can afford. However, remember that all organizations that promote Damps fund themselves in part through arrangements with the creditors involved, which are called fair share, so you have to be wary as to whose best interest the counselor has in mind. Even if a DMP is not appropriate for you, a reputable credit counseling organization still can help you create a budget and teach you money management skills.

In a DMP you deposit money each month with the credit counseling organization, which uses your deposits to pay your unsecured debts, like your credit card bills and medical bills, according to a payment schedule the counselor develops with your creditors. Your creditors may agree to lower your interest rates or waive certain fees, but it's always best to check with all your creditors, just to make sure they offer the concessions that a credit counseling organization is promising you. A successful DMP requires you to make regular, timely payments, and could take forty-eight months or more to complete. Ask the credit counselor to estimate how long it will take for you to complete the plan. You may have to agree not to apply for credit or use any additional credit while you're participating in the plan, and a DMP is likely of little value if your problems stem from or involve your secured creditors holding your car, truck or home as collateral. DMPs are also likely of little value if your problems stem from alimony, child support or overdue taxes.

If all you need is a little lowering of your interest rates on some unsecured debts, a DMP might be the answer. However, if what you really need is to reduce the amount of your debt, bankruptcy may be the best solution.

All information that you are required to provide with the filing of your case and thereafter, while your case is pending, must be complete, accurate and truthful. All your assets and all your liabilities must be completely and accurately disclosed in the documents filed to commence your case. Some sections of the Bankruptcy Code require you to determine and list the replacement value of an asset such as a car or furniture. When replacement value is required, it means the replacement value, established after reasonable inquiry, as of the date of the filing of your bankruptcy case, without deduction for costs of sales or marketing. With respect to property acquired for personal, family or household purposes, replacement value means the price a retail merchant would charge for used property of that kind considering the age and condition of the property. Before your case can be filed, it is subject to what is called Means Testing. The Means Test was designed to determine whether or not you qualify to file a case under chapter 7 of the Bankruptcy Code, and if not, how much you need to pay your unsecured creditors in a chapter 13 case. For purposes of means test, you must state, after reasonable inquiry, your total current monthly income, the amount of all expenses as specified and allowed pursuant to section 707(b)(2) of the bankruptcy code, and if the plan is to file in a Chapter 13 case, you must state, again after reasonable inquiry, your disposable income, as that term is defined. Information that you provide during your case may be audited pursuant to the provisions of the Bankruptcy Code. Your failure to provide complete, accurate and truthful information may result in the dismissal of your case or other sanctions, including criminal sanctions.

If you decide to seek bankruptcy relief, you can represent yourself, you can hire an attorney to represent you, or you can get help in some localities from a bankruptcy petition preparer who is not an attorney. THE LAW REQUIRES AN ATTORNEY OR BANKRUPTCY PETITION PREPARER TO GIVE YOU A WRITTEN CONTRACT SPECIFYING WHAT THE ATTORNEY OR BANKRUPTCY PETITION PREPARER WILL DO FOR YOU AND HOW MUCH IT WILL COST. Ask to see the contract before you hire anyone.

The following information helps you understand what must be done in a routine bankruptcy case to help you evaluate how much service you need. Although bankruptcy can be complex, many cases are routine.

Before filing a bankruptcy case, either you or your attorney should analyze your eligibility for different forms of debt relief available under the Bankruptcy Code and which form of relief is most likely to be beneficial for you. Be sure you understand the relief you can obtain and its limitations. To file a bankruptcy case, documents called a Petition, Schedules and Statement of Financial Affairs, as well as in some cases a Statement of Intention need to be prepared correctly and filed with the bankruptcy court. You will have to pay a filing fee to the bankruptcy court. Once your case starts, you will have to attend the required first meeting of creditors where you may be questioned by a court official called a >trustee= and by creditors.

If you choose to file a chapter 7 case, you may be asked by a creditor to reaffirm a debt. You may want help deciding whether to do so. A creditor is not permitted to coerce you into reaffirming your debts. It may not be in your best interest to reaffirm a debt.

If you choose to file a chapter 13 case in which you repay your creditors what you can afford over 3 to 5 years, you may also want help with preparing your chapter 13 plan and with the confirmation hearing on your plan which, if held, will be before a bankruptcy judge.

If you select another type of relief under the Bankruptcy Code other than chapter 7 or chapter 13, you will want to find out what should be done from someone familiar with that type of relief. However, please be advised that in most cases, you will only be concerned with chapter 7 and chapter 13.

Your bankruptcy case may also involve litigation. You are generally permitted to represent yourself in litigation in bankruptcy court, but only attorneys, not bankruptcy petition preparers, can give you legal advice.

If you decide to file bankruptcy, it is important that you understand the following:

Some or all of the information you provide in connection with your bankruptcy will be filed with the bankruptcy court on forms or documents that you will be required to sign and declare as true under penalty of perjury. A person who knowingly and fraudulently conceals assets or makes a false oath or statement under penalty of perjury in connection with a bankruptcy case shall be subject to fine, imprisonment, or both. All information you provide in connection with you bankruptcy case is subject to examination by the Attorney General.

ACKNOWLEDGMENT OF RECEIPT

In using the Site and or otherwise accepting this Agreement, you acknowledge that you have received a copy of or have been provided with access to all of the following notices:

Notice Mandated By Section 342(b)(1) and 527(a)(1) Of The Bankruptcy Code Notice Mandated By Section 527(a)(2) Of The Bankruptcy Code Notice Mandated By Section 527(b) Of The Bankruptcy Code

Background Information

This Site is maintained on behalf of a cooperative of unaffiliated network law firms ("law firms") to aid in the public's ability to learn about bankruptcy law and to interact with bankruptcy attorneys. In addition to educating the general public about bankruptcy law, Straightbankruptcy.org provides users with the ability to submit information about their specific bankruptcy case, and to request to be contacted by one of the network law firms to discuss their case and to possibly hire it to represent them.

Straightbankruptcy.org itself is not a law firm but rather a website owned, or where applicable, licensed, and operated by Attorneys-home, LLC. Straightbankruptcy.org does not receive any portion of any lawyer's or law firm's attorneys fees and any arrangements subsequently made by you and any attorney lawyer or law firm are strictly between you and such party and do not involve Straightbankruptcy.org in any way.

Purpose of this Website

THIS WEBSITE IS AN ADVERTISEMENT OF LEGAL SERVICES, and all of the materials and information on the Site are provided for informational purposes only, and may not reflect current legal developments or variances in the law of different jurisdictions. Nothing on the Site should be construed as legal advice or used as a substitute for legal advice. Straightbankruptcy.org does not provide legal advice. The materials and information on the Site do not necessarily reflect the opinions of the attorneys of the Law Firms, their partners, clients or affiliates. The information on this Site is not guaranteed to be correct, complete or up to date. The Site is not intended to, and does not, constitute or create an attorney-client relationship between you and the attorneys of any of the Law Firms, their partners, employees, agents or affiliates, or any other attorney associated with the Site. Additionally, the mere receipt of an e-mail from or a "post" on the Site does not create an attorney-client relationship.

YOU SHOULD NOT ACT OR RELY ON THE BASIS OF ANY INFORMATION ON THE SITE OR ANY ADVERTISMENT WITHOUT SEEKING AND RETAINING THE ADVICE OF AN ATTORNEY.

Submitting Information

By submitting information to us, you agree that we may release your contact information and all information that may be submitted by you to the Law Firms, and/or to other law firms and attorneys which are not part of the Law Firm group, and you further agree and understand that they may contact you directly should they have any interest in discussing your case with you, unless you request in writing your desire not to be contacted. In no event, however, shall we be obligated to release any submitted information to our unaffiliated network law firms or any other law firms, including contact names, but rather may or may not do so at our sole discretion. Furthermore, in no event is any unaffiliated network law firm obligated to contact you with regard to your case, but rather may or may not do so at its sole discretion. By accepting the submission of your information, we do not offer any advice on whether you may have a valid defense to your bankruptcy case. If, after discussing your specific case with an unaffiliated network or non-network law firm, the attorney is willing to represent you in the specific matter you have presented to them, they will send you a retainer agreement that you will need to sign and return before they can represent you in that specific matter. If either the attorneys or you do not agree in writing to create an attorney-client relationship, none will exist. In the meantime, you are encouraged to seek and retain the advice of other counsel so as to meet all applicable deadlines that govern your bankruptcy case.

Policy Concerning Privacy

Your personal information is subject to our Privacy Policy, which is incorporated herein by reference. Click here to review our privacy policy.

Modifications to the Site

We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Site or any part of it with or without notice. In the event of a modification or discontinuance, all information submitted by you and others may be lost. You agree to keep a permanent record of all information provided to us, and you agree that all information submitted to us is at your sole risk. You agree that we have no responsibility or liability for the deletion or failure to store any content maintained or transmitted by the Site including without limitation messages and other communications. You agree that we shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

Participation in the Site

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The Site may only be used in good faith and may not be used to transmit or otherwise make available any information that is false or that you do not have a right to make available under any law or under contractual or fiduciary relationships such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements, to threaten, abuse, harass, or invade the rights of any person or entity, to infringe on any person or entity's intellectual property rights, or in any other way that could reasonably be deemed unethical, illegal, or offensive.

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You understand and agree that all information, statistical data, text, software, music, sound, photographs, graphics, video, messages or other materials, content, whether publicly posted or privately transmitted by you and other users of our service, are the sole responsibility of the person from which such content originated. This means that you, and not us, are entirely responsible for all Content that you upload, post, email or otherwise transmit via the Site. We do not control all of the Content posted via the Site and, as such, do not guarantee the accuracy, integrity or quality of such Content. You understand that by using the Site, you may be exposed to Content that is offensive, indecent or objectionable. Under no circumstances will we be liable in any way for any Content, including, but not limited to, for any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of the use of any Content posted, emailed or otherwise transmitted via the Site.

You acknowledge that we may or may not pre-screen Content, but that we and our designees shall have the right but not the obligation in our sole discretion to prescreen, refuse, or move any Content that is available via the Site. Without limiting the foregoing, we and our designees shall have the right but not the obligation to remove any Content that violates this agreement or is otherwise objectionable.

Intellectual Property

You acknowledge and agree that the Site and any necessary software used in connection with the Site may contain proprietary and confidential information that is protected by applicable intellectual property and other laws. Except for the limited license contained in paragraph eight below, nothing in these Terms and Conditions grants or should be construed to grant any licenses or rights, by implication, estoppel or otherwise, under copyright or other intellectual property rights. You agree that all right, title and interest including all copyrights, trademarks, service marks, patents and other intellectual property rights in this Site and its content belong to us, or our licensers, as applicable. No part of the materials including graphics or logos, available in this Site may be copied, photocopied, reproduced, translated or reduced to any electronic medium or machine-readable form, in whole or in part, without specific permission. Except as expressly authorized by us, you further agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Site or the software, in whole or in part.

Limited License; Permitted Uses

You are granted a non-exclusive, nontransferable, revocable license (1) to access and use the Site strictly in accordance with these Terms and Conditions; (2) to use the Site solely for internal, personal, noncommercial purposes; and (3) to print out discrete information and search results from the Site solely for internal, personal, noncommercial purposes and provided that you maintain all copyright and other notices contained therein.

Restrictions and Prohibitions on Use

Your license to access and use the Site and its services are subject to the following additional restrictions and prohibitions on use. You may not (1) copy, print except for the express limited purpose permitted by paragraph eight, above, republish, display, transmit, distribute, sell, rent, lease, loan or otherwise make available in any form or by any means all or any portion of the Site, or any information or materials retrieved therefrom; (2) use the Site or any other materials from the Site to develop, or as a component of, an information storage and retrieval system, database, infobase, or similar information resource (in any media now existing or hereafter developed), that is offered for commercial distribution of any kind, including through sale, license, lease, rental, subscription, or any other commercial distribution mechanism; (3) create compilations or derivative works of the Site or any other materials from the Site; (4) use the Site or any other materials from the Site in any manner that may infringe any copyright, intellectual property right, proprietary right, or property right of Straightbankruptcy.org or any third parties; (5) remove, change, or obscure any copyright notice or other proprietary notice or terms of use contained in the Site; (6) make any portion of the Site available through any timesharing system, service bureau, the Internet, or any other technology now existing or developed in the future, without our express written consent; (7) remove, disable, defeat or change any functionality or appearance of the Site; (8) decompile, disassemble or reverse engineer any Site software or use any network monitoring or discovery software to determine the site architecture; (9) use any automatic or manual process to harvest information from the Site; (10) use the Site for the purpose of gathering information for or transmitting (a) unsolicited commercial email; (b) email that makes use of our name or trademarks, including in connection with invalid or forged headers, invalid or nonexistent domain names, or other means of deceptive addressing; and (c) unsolicited telephone calls or facsimile transmissions; (11) use the Site in a manner that violates any state or federal law regulating commercial email, facsimile transmissions or telephone solicitations; and (12) export or re-export the Site or any portion thereof, or any software available on or through the Site, in violation of the export control laws and regulations of the United States.

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Indemnity

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Errors and Corrections

We do not represent or warrant that the Site will be error-free, free of viruses or other harmful components, or that defects will be corrected. We do not warrant or represent that the information available on or through the Site will be correct, accurate, timely, or otherwise reliable. We may but are not obligated to make improvements and/or changes to its features, functionality or content of the Site at any time. In no event shall we be liable for any such errors or defects.

Termination

By using the Site, you do not acquire any rights to the Site other than the limited license to use the Site as set forth in paragraph eight above that can be terminated in accordance with this section. You agree that we, in our sole discretion, may terminate your password, account or any part thereof or use of the Site, and remove and discard any Content within the Site, for any reason, including, without limitation, non-payment, for lack of use, or if we believe that you have violated or acted inconsistently with the letter or spirit of this agreement. We may also in our sole discretion and at any time discontinue providing the Site, or any part thereof, with or without notice. You agree that any termination of your access to the Site under any provision of this agreement may be effected without prior notice, and acknowledge and agree that we may immediately deactivate or delete your account and all related Content information and files in your account and or bar any further access to such files or the Site. Further, you agree that we shall not be liable to you or any third-party for any termination of your access to the Site.

Third-Party Content

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Links to Other Websites

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Disclosures Regarding Attorney Advertising

THIS SITE MAY CONTAIN ADVERTISING MATERIAL OR LAWYER ADVERTISEMENTS. Some jurisdictions may consider the Site to be a form of advertising for legal services and as such may require specific disclosures. Please read the following carefully:

THIS IS AN ADVERTISEMENT. The determination of the need for legal services and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements. Anyone considering a lawyer should independently investigate the lawyer's credentials and ability, and not rely upon advertisements or self-proclaimed expertise. Hiring a lawyer is an important process that should not be based solely upon advertisements.

FREE BACKGROUND INFORMATION AVAILABLE UPON REQUEST

Before you decide to hire any of the Law Firms, ask them to send you free written information about their qualifications and experience. Additional information about the lawyers or firms may also be obtained by contacting the Bar Association in the State in which such lawyers or law firms are licensed.

No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers. Memberships and offices in legal fraternities and legal societies, technical and professional licenses, and memberships in scientific, technical and professional associations and societies of law or fields of practice do not mean that a lawyer is a specialist, expert, authority or is certified in a particular field of law, nor do such memberships or licenses mean that such a lawyer is more expert or competent than any other lawyer.

A description or indication of limitation of practice does not mean that any agency or board has certified such lawyer as a specialist, expert or authority in an indicated field of law practice, nor does it mean that such lawyer is more expert or competent than any other lawyer. We urge all potential clients to make their own independent investigation and evaluation of any lawyer being considered.

Except where otherwise indicated, none of the Law Firms are certified by the Florida Bar Board of Legal Specialization and Education, the Texas Board of Legal Specialization ("Not Certified by the Texas Board of Legal Specialization"), or any other entity or body. The fact that certain attorneys or firms concentrate their practices in the defense of bankruptcy cases (or any other field) is not meant to imply that they have gained any specific type of certification in these areas. Indeed, many states-including Illinois-do not recognize certifications of specialties in the practice of law and explicitly state that any such certificate, award or recognition is not a requirement to practice law in those states.

ADDITIONAL STATE SPECIFIC DISCLOSURES:

Alabama

No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.

Alaska

The Alaska Bar Association does not accredit or endorse certifying organizations.

Florida

The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide to hire any attorney, ask that lawyer to send you free written information about that lawyer’s qualifications and experience.

Hawaii

The supreme Court of Hawaii grants Hawaii certification only to lawyers in good standing who have successfully completed a specialty program accredited by the American Bar Association.

Illinois

The Supreme Court of Illinois does not recognize certifications of specialties in the practice of law and that the certificate, award or recognition is not a requirement to practice law in Illinois.

Iowa

The determination of the need for legal services and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements or self-proclaimed expertise. This disclosure is required by rule of the Supreme Court of Iowa.

Memberships and offices in legal fraternities and legal societies, technical and professional licenses, and memberships in scientific, technical and professional associations and societies of law or field of practice do not mean that a lawyer is a specialist or expert in a field of law, nor do they mean that such a lawyer is necessarily any more expert or competent than any other lawyer.

A description or indication of limitation of practice does not mean that any agency or board has certified such lawyer as a specialist or expert in an indicated field of law practice, nor does it mean that such lawyer is necessarily any more expert or competent than any other lawyer.

All potential clients are urged to make their own independent investigation and evaluation of any lawyer being considered. This notice is required by rule of the Supreme Court of Iowa.

The filing of a claim or suit solely to coerce a settlement or to harass another could be illegal and could render the person so filing liable for malicious prosecution or abuse of process.

Massachusetts

If a Massachusetts lawyer holds himself or herself out as "certified" in a particular service, field or area of law by a non-governmental body, the certifying organization is a private organization, whose standards for certification are not regulated by the Commonwealth of Massachusetts.

Mississippi

Free Background information is available upon request to a Mississippi attorney. There is no procedure in Mississippi for approving certifying or designating organizations and authorities.

Missouri

ADVERTISING MATERIAL: COMMERCIAL SOLICITATIONS ARE PERMITTED BY THE MISSOURI RULES OF PROFESSIONAL CONDUCT BUT ARE NEITHER SUBMITTED TO NOR APPROVED BY THE MISSOURI BAR OR THE SUPREME COURT OF MISSOURI. Neither the Supreme Court of Missouri nor the Missouri Bar reviews or approves certifying organizations or specialist designations.

Nevada

Neither the state bar of Nevada nor any agency of the State Bar has certified any lawyer identified here as a specialist or as an expert. Anyone considering a lawyer should independently investigate the lawyer's credentials and ability.

New Jersey

Any certification as a specialist, or any certification in a field of practice, that does not state that such certification has been granted by the Supreme Court of New Jersey or by an organization that has been approved by the American Bar Association, indicates that the certifying organization has not been approved, or has been denied approval, by the Supreme Court of New Jersey and the American Bar Association.

New Mexico

LAWYER ADVERTISEMENT

Any certification by an organization other than the New Mexico Board of Legal Specialization does not constitute recognition by the New Mexico Board of Legal Specialization, unless the lawyer is also recognized by the board as a specialist in that area of law.

Rhode Island

The Rhode Island Supreme Court licenses all lawyers in the general practice of law. The court does not license or certify any lawyer as an expert or specialist in any field of practice.

Tennessee

Certifications of Specialization are available to Tennessee lawyers in all areas of practice relating to or included in the areas of Civil Trial, Criminal Trial, Business Bankruptcy, Consumer Bankruptcy, Creditor's Rights, Medical Malpractice, Legal Malpractice, Accounting Malpractice, Elder Law, Estate Planning and Family Law. Listing of related or included practice areas herein does not constitute or imply a representation of certification of specialization.

Texas

Unless otherwise indicated, Not Certified by the Texas Board of Legal Specialization.

Washington

The Supreme Court of Washington does not recognize certification of specialties in the practice of law and that the certificate, award, or recognition is not a requirement to practice law in the State of Washington.

Wyoming

The Wyoming State Bar does not certify any lawyer as a specialist or expert. Anyone considering a lawyer should independently investigate the lawyer's credentials and ability, and not rely upon advertisements or self-proclaimed expertise.

Any attorney practicing bankruptcy is now required to state: We are a debt relief agency and help people file bankruptcy under the bankruptcy code.

Within the Site, we may include descriptions of successful lawsuits brought by the Law Firms, or other attorneys not affiliated with us or the Site. These descriptions are not meant to create any unjustified expectations that similar results can be obtained for others, for each case turns on its own specific factual and legal circumstances. No attorney can guarantee the success of a case and past successes even in very similar lawsuits do not mean that success in a subsequent case is guaranteed or even likely. Past success cannot be an assurance of future success because each case must be decided on its own merits. Results depend upon a variety of factors unique to each case.

The material on this site is not intended to, and does not, include any advertisements for legal services that contain dramatizations, testimonials or endorsements. This site is intended to provide useful, factual information presented in a non-sensational, objective and understandable manner. The images and pictures on this site are not meant to represent or depict actual persons or events, but rather are merely provided for illustrative purposes only.

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Choice of Forum

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Statute of Limitations

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What Happens After Bankruptcy

Straightbankruptcy.org provides a forum for various mortgage lenders, car dealerships and other service providers to list their contact information within the portion of this Site. This service is subject to all limitations and disclaimers set forth elsewhere in this Agreement. Specifically, and not by way of limitation, Straightbankruptcy.org makes no representations or warranties regarding these service providers, including, without limitation, that they traditionally work with individuals who have been through a bankruptcy, that they will work with you or that their products and/or services are competitively priced or otherwise offered on attractive terms. This portion of this Site is intended as nothing more than a directory for services providers which have paid a fee to Straightbankruptcy.org for inclusion of their listing. Any and all claims arising out of your use of any service listed in this portion of this Site shall be limited to the particular service provider with which you have an issue, and Straightbankruptcy.org shall not be liable for any costs, damages or expenses incurred by you on account of your electing to work with any of the service providers listed on this Site. You agree to indemnify Straightbankruptcy.org and its affiliates for any costs, damages or expenses incurred by it on account of your use of this service.