Customer Terms & Conditions of
      Using Our Website & Services

This agreement is made between you and Afford-Bankruptcy.Com, and sets forth the specific terms and conditions under
which you agree, and the company consents to, your use of this site and the provision of the document preparation services of
the Company to you in the FULL SERVICE Option category only.  All  sales made to customers who purchase products or
services from us under any other option offered in this, other than our Full Service program (Option 1) are final, except that the
transaction is concluded once the product is delivered.


CONSENT TO THE TERMS & CONDITIONS OF THIS DOCUMENT

1. You hereby agree to, and about, the following:

1) that you have read and studied the contents contained in the TERMS AND CONDITIONS OF USE of this website, more
particularly the part titled AGREEMENT (hereinafter to be referred to as “THE ENTIRE TERMS OF USE”);
2) that those contents explain in greater details, your rights, as well as the within Company’s, and also make certain disclosures
required by the law to you and to customers;
3) that you herewith fully understand and accept the said THE ENTIRE TERMS OF USE set forth therein, and agree with and accept
that they shall govern the service of Afford-Bankruptcy.Com to you here;
4) that the contents of the said THE ENTIRE TERMS OF USE shall be incorporated herein by reference, and shall be deemed
spelled out here in its entirety, verbatim, in the present Agreement;
5) that any provisions made herein are only a part and parcel of the said Entire Terms of Use;
6) that you are fully aware that if it is your choice, which you freely have a right to make, NOT to agree to these terms, you may not
use the Site or the Company’s services, but you choose otherwise; and
7) that by your using the Site, you hereby elect to employ the bankruptcy assistance services of the Company, and signify your full
acceptance of, and assent to, the terms of this Agreement and the right of the Company to make any future changes to the Site
and to this Agreement, and for such future changes, if any, to remain binding on the parties herein.

2. None Infringement of Copyrights & Other Intellectual Property Rights, Plagiarism or Unauthorized Use of Website Contents.

You acknowledge and agree that this entire Website, and all its contents, information, documents, software, logos, photos,
papers, files, forms, writings, work products, graphics, icons and any other content of any kind posted in any part of this Website
(collectively, the website "CONTENTS & INFORMATION”), are the property of the Company and its affiliated entities, and that all
rights, titles and interests (including, but not limited to, all copyrights, trademarks, service marks, patents and other intellectual
property rights) pertaining thereto, belong to Afford-Bankruptcy.com, and are protected by domestic and international copyright
and other laws, and that you may not infringe on any such rights in any manner. You further acknowledge that (other than for your
own individual use herein, as authorized) NO part of the materials may be copied by you, photocopied, reproduced, published,
posted, sold, marketed, translated or reduced to any electronic medium or machine-readable form, in whole or in part, or
otherwise illegally used by you, without specific written permission and authorization of the Site Director. The Company shall
reserve the absolute right to prosecute persons who violate or plagiarize or otherwise infringe upon the Company’s copyright and
other rights, as designated in this paragraph.

3. The privacy policy of the Company is simple. The Company never shares or sells (and will never share or sell) your personal
information with anyone but you. It will only use same to prepare your documents.

4. No Warranties; Limitation of Liability. The Company shall attempt to provide useful information and legal reference and other
material and sources on this web site and the best possible service and products to its customers. But the Company does not
guarantee that the information is necessarily accurate, current or suitable for any particular purpose or for specific a person or
situation. The Company (except for its money-back guarantee outlined below), guarantees NO particular or favorable outcome in
any way for its work or performance, and assumes no liability of any kind regarding a particular outcome.

5. NO LEGAL ADVICE; WEBSITE MATERIAL ONLY FOR GENERAL INFORMATION
The Company’s bankruptcy personnel prepare the documents for you and do their level best to turn out professional, competent,
attorney-quality documents. But we are NOT, ourselves, and will not act as your attorney (which is why, you realize, you’re not
having to pay us some couple of thousands of dollars for this job!); we do not give legal advice or practice law. Any and all
material (articles, writings, contents, books, manuals, and other materials, etc) posted, distributed, sold or promoted on the
website, are for general information purposes for the public and the reader, ONLY, and are not in any way whatsoever, intended
to be, and do not constitute, legal or other advice for any specific individual or a specific case, problem or situation, and are in no
manner to be considered legal or other professional advice by any reader. They are NOT intended to be a substitute for seeking
or obtaining professional advice from the appropriate professional, such as an attorney, or an accountant, or financial advisor, as
appropriate, if necessary for the individual. YOU ACKNOWLEDGE THAT ANY RELIANCE MADE BY YOU ON ANY MATERIALS,
ARTICLES, STATEMENTS, STATEMENTS OF OPINION, BOOKS, MANUALS, OR OTHER INFORMATION ON OR THROUGH THIS
SITE, SHALL BE SOLELY AND WHOLLY AT YOUR OWN  RISK, AND NO LIABILITY OF ANY KIND WHATSOEVER SHALL ATTACH
TO THE COMPANY

6. LOW-COST LEGAL ADVICE PROVISION

Afford-Bankruptcy.Com will, as applicable to the program ordered, provide you with informational manuals, brochures, sources,
reference and other published self-help materials that will, for the most part with most people, adequately explain the bankruptcy
procedures and list the forms and documents needed.  With our record and reputation for doing excellent job in bankruptcy paper
preparation, you virtually have nothing to worry about concerning the quality of the papers we’ll do for you or whether they’ll go
through, and you should generally be ok. However, in any event, if, in deed, you find that you need legal opinion or advice, you’ll
be required to consult a bankruptcy attorney (a competent one!) who can help you out with that aspect.

What we can, and will do, is provide you sources or list of competent bankruptcy attorneys who provide such services, on a
reasonably affordable basis, and they can provide you the missing “legal advice” and legal consultation part that you need to
complete your bankruptcy work. In fact, we encourage and recommend this avenue for most of our clients. You obtain the legal
advice aspect from the attorney – at a good rate that is fair and which you can fairly afford. Then you can get back to us to get your
bankruptcy paperwork prepared for you. That is, in the end, you’ll still get your bankruptcy filing accomplished - and get your
crushing debt burden lifted off you – but AFFORDABLY, at a rate that you will still be fairly able to AFFORD! You commit that you’ll
cooperate and comply, if requested by the Company to get consultation or advice with an attorney on a legal matter(s), as may
become necessary.


7. COMPANY’S WORK FOR, AND ONLY OBLIGATION TO, THE CUSTOMER
Depending on which service a customer orders with us, the company will prepare all of the required federal Official Forms for the
filing of bankruptcy under the Federal Bankruptcy Code, either under Chapter 7 or Chapter 13, as applied for and ordered from us
by the customer, and will deliver to the Customer the forms duly prepared by us ONLY in the format necessary, to our  knowledge
and in our sole determination, for the said forms to be accepted or acceptable for  filing purposes with the area Court Clerk
(which may be either a hard copy format, or electronic format). And further more, at its sole discretion in certain instances, but
with no obligation or accountability to do so, the company may also prepare or provide to a customer, free of charge, other further
forms or documents that may be required in particular jurisdictions over and beyond the officially prescribed forms, such as
forms for Affirmation Agreements or Chapter 13 Plan (in a Chapter 13 case), or locally prescribed forms. Whenever and where
ever such extra free forms are provided you, however, it is fully understood that they are provided strictly “AS-IS” for your optional
use in preparing your papers, and there are no warranties or any guarantees as to their currency, validity, accuracy or adequacy
for your needs, or that they’ll be acceptable to the court to which submitted.

8. Chapter 13 Bankruptcy Work

With respect to Chapter 13 bankruptcy, the Company will prepare all of the INITIAL papers designated for federal Official Forms
for Chapter 13 bankruptcy, EXCEPT for the debtor’s proposed Chapter 13 Payment Plan (“the Plan”). In short, in such a case, the
Company will prepare virtually every other essential document, but leave the Chapter 13 Plan to the debtor to complete – a
straightforward, 2 to 3-page document in which you’ll propose how and from what sources of income you plan to repay the
creditors over the pay period you choose, which is usually 3 or 5 years. (You may, under the federal rules for filing the papers,
either go ahead and file the Chapter 13 papers promptly upon your getting the ones we prepare, and then hurry to file the Chapter
13 Plan NOT LATER THAN 15 days after the filing, or, alternatively, you may prepare the Plan, add it to the ones we prepared, and
then file ALL the papers all at one time). There is no one standard or prescribed form used by all courts for this document, and
while some court jurisdictions have some local forms or formats which they use, most courts have no prescribed local form. The
Company may, however, provide you some general information that will be helpful for Chapter 13 filers, enabling you to locate
sample Chapter 13 Plans and guidance for writing up an appropriate plan, at no extra charge to you.

9. WHEN NO REFUND WILL BE MADE
No refund shall apply or be issued under this Agreement to any customer who orders the Company’s  services for a Chapter 7 or
Chapter 13 bankruptcy, but alleges, for whatever reason, “changing” his or her mind and asking to be switched from Chapter 7 to
Chapter 13, or vice versa. However, when a customer wishes to switch from one of the two Chapters of the bankruptcy code to
the other (say, from Chapter 7 to 13), the price and terms for the chapter to which the customer is switching (in this example,
Chapter 13), will apply, but an additional charge of $65 will also apply in such a case.  

10. CUSTOMER SUPPORT POLICY
Afford-Bankruptcy.Com will provide customer support and answer appropriate questions, through its Helpline via email, ONLY for
the documents that we prepare. We can and will respond to any inquiries necessary for you to understand and/or implement the
legal forms and documents we prepare for you, or the material you purchase from us. We do not, however, answer inappropriate
questions, such as questions to provide legal advice. Further, we will provide support or answer questions (within the bounds of
what is appropriate for us) ONLY in regard to any regular papers that you paid us for which we prepared, but not for anything we
did not prepare or for which we merely offered you gratis and were not hired or paid to do (e.g., a local form, an Affirmation forms,
Chapter 13 Plan, etc).

11. Payment Methods
The Company accepts various methods of payment for its services, such as credit cards and bank checks. When payment is by
bank check, the company will generally withhold commencement of its services of delivery of the papers, until the check has
cleared and for no less than 7 business days from our receipt of the check. Any check dishonored by the bank, or credit card
payment disputed or defaulted for lack of funds, will fetch a charge upon your account a $30 to cover our penalty cost to the bank.

12. THE OBLIGATIONS OF THE CLIENT
Our system of being able, consistently, to deliver our bankruptcy filing to our clients at low-low cost, is based in large part, on the
fact that we can count on (and expect) our clients to be helpful and cooperative with us in playing their own part in aspects of the
process so as to make such low cost service and savings for the client possible. To this end, it is hereby understood and
anticipated that, as and when required by the Company’s bankruptcy document preparers who work on your case, YOU pledge
that you will cooperate with them in facilitating and making it practicable for them to be able to do your work, so as to produce
quality product and a successful and quick bankruptcy documents and filing for you.

To this end, it is understood and agreed between you and us, that you commit to do the following, among other things: 1) To
immediately complete the Company’s required QUESTIONNAIRE the moment it’s given to you (and sign it, where required) and
return it without delay; 2) to do likewise with other forms, papers or requests from the Company requiring you to supply us your
required financial and other information, or any materials that may be essential for doing your documents; 3) to read up upon or
study, without delay, reference materials or website materials or other papers to which we may refer you for your general
information or instruction on your bankruptcy; 4) in general, to respond promptly to any e-mails sent you from the Company in the
course of your paperwork preparation, and to comply with the contents or directives on a prompt and timely basis; and 5) to heed
instructions, or do other things, which are reasonable, which the company operatives will from time to time ask of you in order to
move your bankruptcy matter forward, etc.

13A. CLIENT’S OBLIGATION TO SUPPLY INFORMATION
You have 14 days (unless we give you a special waiver extending the time) from the date of your ordering our services to
complete providing us ALL the necessary personal and financial information and documents required to enable us prepare your
documents. And thereafter, the cut off time may be extended, but upon an assessment an additional charge for to extension. The
company may, however, at its discretion based on the circumstances involved, give special waiver to a customer extending this
time period without charge. Customers who fail, for whatever reason, to provide the complete information and documents or to
authorize commencement of the paperwork within a total of 90 days from the date of the order, or who fail for reasons of their
own to promptly file the documents with the Court within 14 days after their submission by the company to them, shall be
considered to have “abandoned” the order and to have, as well,  terminated our legal to him/her in respect to this entire
matter herein, and they shall forfeit their payment and are not entitled to any refund. Or, to any further legal obligation to
him/her on our part.

13B. When you place an order for our services, you may commence immediately thereafter to enter or provide us the information
concerning your debts. Unlike some bankruptcy lawyers and other debt relief agents and companies who charge based on the
number of creditors or debts, we allow you to submit an unlimited number of creditors with no extra charge of any kind for that.
From the time you order our service on, you may enter (or submit to us) as many creditors as you have, and you are permitted to
make as many changes in the information you enter as you need to, up to any time till when you give the Company the final
authorization to prepare your documents. Also, we will accept as many property listings as you may have without any extra
charge to you.

14A. JOINT FILERS

If you are making a joint bankruptcy filing with your spouse, there is a small additional charge for adding a spouse – just $49.
This charge, which is really minor compared to what some others charge for this, is necessitated by the additional burden of
work that this will mean for us from the fact that such a factor would, in essence, mean the doubling of the work volume for us.

14B. In certain jurisdictions, the bankruptcy court would require the debtor to provide the creditor address list on a diskette. If you
are in such a court district, we’ll provide you, at no extra charge to you, such a diskette well formatted for easy copying.

15. OUR PERFORMANCE-BASED GUARANTEE & REFUND POLICY

Afford-Bankruptcy refund policy is a simple one: we will refuse to honor frivolous or irresponsible refund request, but will promptly
honor valid refund request that is with merit. The following are the ONLY terms of our GUARANTEE and the conditions for a
refund: 1) Except as specifically set forth herein, all sales are final and will not qualify for a refund; 2) no refund of any fees paid to
us for a service or product will be honored simply based upon a customer changing his or her mind about whether to  proceed
with the bankruptcy or not, or based on the fact that a customer contracted with another bankruptcy document company or hired
an attorney after having ordered our services; 3) our guarantee is performance-based, it is only with respect to the specific job or
task which the customer contracts with us to do for him or her and paid us for, namely, the preparation of the bankruptcy
documents as set forth in Paragraphs 7 & 8 herein, and none other; 4) the guarantee is that those documents, upon being
prepared by us and provided to the customer – and then being timely processed and followed through by him or her,  without
undue delays - will be accepted for filing by the court clerk, or if not, and we are unable to cure the defect, we shall make a prompt
refund of the money received back to the customer; 5) however, where the basis of the court’s rejection of the documents, or the
failure of the case to proceed to conclusion, is reasonably found to be for reasons attributable to the customer (such as, where a
customer destroys, badly mutilates or loses some forms provided him or her, or files some but not all of the documents we
provide the customer, or refuses or simply fails to file the documents right away for several weeks or months, etc), no refund will
be made to the customer in such instance, and the Company's WHOLE contractual and legal obligations to the client shall be
deemed to have been duly and fully fulfilled.

A customer, in order to receive a refund, must first send us a written proof or notice of the rejection from the court clerk. And,
where the court clerk had informed the customer that a document is missing or is invalid or defective, and asks for a cure, the
customer is obligated to have promptly notified the Company of that with a chance for us reasonably to replace or correct the
document, if possible.

16. Changes to this Policy

Afford-Bankruptcy.Com reserves the right to change this policy at any time.  Please check this page periodically for changes.  
Your continued use of our site following the posting of changes to these terms will mean you accept those changes.  Information
collected prior to the time any change is posted will be used according to the rules and laws that applied at the time the
information was collected.

17. Governing law

This policy and the use of this Site are governed by New York law. If a dispute arises under this Policy, we agree to first try to
resolve it with the help of a mutually agreed-upon mediator within and in the following location: County of Kings, State of New
York.  Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it should prove impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to a
binding arbitration at and within the following location: County of Kings, State of New York, USA., under the rules of the American
Arbitration Association.  Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do
so.


18. THE ENTIRE UNDERSTANDING AND AGREEMENT BETWEEN US AND YOU

a) With respect to the entire site and our services, THIS IS THE ENTIRE AGREEMENT BETWEEN US AND YOU, AND NO OTHER
REPRESENTATION CONTAINED OR STATED ANYWHERE, or STATEMENT, INDUCEMENT, WRITING, OF ANY KIND OR
NATURE WHATSOEVER, WHETHER ORAL OR WRITTEN, THAT IS NOT  CONTAINED HEREIN, SHALL BE DEEMED TO BIND
EITHER OF US. {The within Terms and Conditions of this Page constitute the ENTIRE AGREEMENT, AND IS, AND SHALL BE,
DEEMED AND INTERPRETED as INCLUDING, AS A PART THEREOF, “The Entire Terms of Use” AFOREMENTIONED IN
PARAGRAPH 1 (ONE) above of this Page HEREIN, THE TOTALITY OF WHICH SHALL, and HEREBY, BIND BOTH OF US.  

b) AFFORD-BANKRUPTCY.COM MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND OR NATURE REGARDING
ITS ABILITY TO OBTAIN A PARTICULAR OR FAVORABLE RESULT OR OUTCOME FOR YOU IN A SPECIFIC INSTANCE.
TERMS AND CONDITIONS
OF USING OUR WEBSITE
& SERVICES
Take AFFORD-BANKRUPTCY.COM ADVANTAGE

Over 9,300 Successful Bankruptcy Filing Assists to
Happy Debtors since 1996, and Counting
AFFORD-BANKRUPTCY.COM ADVANTAGE
.  Over 9,30
0
Successful Bankruptcy Filing Assists to Happy Debtors since
Our Terms of Usage of this Website & Our Services

NOTE: PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. They govern
YOUR use of our services, and of this Website.


By your use of this website and your placing an order here to use our services, you contract for and AGREE wholly to
be bound by the terms and conditions (“The Terms” and/or “The Agreement”) set forth herein, both as presently
constituted, and as may, from time to time, be modified by Afford-Bankruptcy.Com ("the Debt Relief Agency," or "the
Bankruptcy Assistance Company," or simply “The Company”) and posted on this website. The within Agreement
applies to our service to you with respect to either Chapter 7 or Chapter 13 of the Bankruptcy Code, as you may have
ordered.
Copyrights ©1996 - 2009 by Affordablelaws.net, Afford-Bankruptcy.com. All rights reserved.
No part of any materials and contents, including, but not limited to, written contents, graphics or logos,
on this Website, may be copied, photocopied, reproduced, translated or reduced to any electronic
medium or machine-readable form, in whole or in part, or otherwise used, without the specific written
permission and authorization of the Site’s Director. All rights, titles and interests (including, but not
limited to, all copyrights, trademarks, service marks, patents and other intellectual property rights) in this
Site, as applicable, as well as its content, belong to Afford-Bankruptcy.com, and we reserve the absolute
rights to prosecute any and all person(s) or entities, to the fullest extent of the law, who infringe upon any
rights hereto in any way or manner whatsoever. And NOTE that when you read or use this site, you are
doing so solely and only under the understandings and the agreement which you’ve duly entered into in
the within TERMS OF USE on this web page.