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Disclaimer

The information contained in this web site, and all associated web sites, is provided as a service to the Internet community, and does not constitute legal advice.   The operators of this web site and associated web sites are not licensed as practitioners of the law in any jurisdiction, nor do they claim to be.   This website is not a law firm, nor does it represent a law firm.   If you are facing a legal issue you should consult a licensed attorney.   Legal advice must be tailored to the specific circumstances of each case, laws are constantly changing, nothing provided within this web site or associated web sites should be used as a substitute for the advice of competent counsel.   Although the operators of this web site and associated sites attempt to provide the Internet community with quality information, we make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in this web site or web sites linked to by this site and its associated sites; if you are facing a legal issue you should not rely on the information contained in this web site and associated sites, rather you should consult a licensed attorney.

In addition to this disclaimer, please also carefully read the following: Disclosures Required Under the U.S. Bankruptcy Code. 

This site is not a lawyer referral service and does not receive any portion of any attorney's fees.   This site is not responsible for any advice received by participating attorneys and does not endorse nor recommend any attorney or law firm that participates in the matching system.   This site does not make any representation nor any judgment as to the qualifications, expertise or credentials of any participating lawyer.   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, non-participating lawyers. 

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. 

Neither the Site nor any of the Law Firms operate as a lawyer-advertising cooperative, lawyer referral service, prepaid legal insurance provider, or similar organization the business or activities of which include the referral of customers, members, or beneficiaries to lawyers for the performance of fee-generating legal services or the payment for or provision of legal services to the customers, members, or beneficiaries in matters for which they do not bear ultimate responsibility. 

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, neither the Site nor any 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. 

Kansas
Any attorney listings or other information pertaining to a particular attorney or law firm on this Site constitutes a paid attorney advertisement, and do not in any way constitute a referral or endorsement by an approved or authorized lawyer referral service. 

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. 
All attorney listings are a paid attorney advertisement, and do not in any way constitute a referral or endorsement by an approved or authorized lawyer referral service. 

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. 

Within the Site, we may include descriptions of successful lawsuits brought by participating Attorneys, 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. 

This Site is not intended for the purpose of advertising legal services to be performed in any state solely by the Law Firms, unless they are specifically licensed to practice in that respective State. 

To the extent that this Site does not comply with the laws or regulations of any jurisdiction in which it may be received, the Law Firms do not wish to, and will not knowingly, accept legal representation based on or resulting from the use of the Site from a person located in that jurisdiction.  None of the Law Firms wish to, or knowingly will, accept legal representation based on or resulting from the use of the Site from a person located outside the United States.