| Afford-Bankruptcy.Com |
www.uscourts.gov/bankruptcycourts.html .
TERMS and CONDITIONS OF OUR SERVICES, and the LEGAL NOTICES (all of
which, collectively, constitute herein "THIS AGREEMENT"),
These terms explain your rights, as well as ours, under this Agreement, and make certain disclosures required by the law. By using
the Site, you hereby give your assent to the terms of this Agreement. If you do not agree to these terms, you may not use the
Site; your election, otherwise, herein to use the site and to employ our bankruptcy assistance services, hereby gives, and
deems your assent granted herein, therefore. Afford-Bankruptcy.com ("Afford-Bankruptcy,” "We" or "Our") has the right, in our sole
discretion, to modify, add, or remove any terms or conditions of this Agreement without giving individual notice to you, but merely by
posting the changes on the Site. Your continuing use of the Site signifies your acceptance of existing and any such future changes.
NOTE: These TERMS are EXACTLY the SAME provisions as the CUSTOMER TERMS - only that this one is longer and more
elaborate, made that way to accommodate other users of this Site other than those who are customers or purchasers of our
services or products (e.g., mere visitors of the site, or those placing a link to us).
TERMS and CONDITIONS OF OUR SERVICES, and the LEGAL NOTICES (all of
which, collectively, constitute herein "THIS AGREEMENT"),
These terms explain your rights, as well as ours, under this Agreement, and make certain disclosures required by the law. By using
the Site, you hereby give your assent to the terms of this Agreement. If you do not agree to these terms, you may not use the
Site; your election, otherwise, herein to use the site and to employ our bankruptcy assistance services, hereby gives, and
deems your assent granted herein, therefore. Afford-Bankruptcy.com ("Afford-Bankruptcy,” "We" or "Our") has the right, in our sole
discretion, to modify, add, or remove any terms or conditions of this Agreement without giving individual notice to you, but merely by
posting the changes on the Site. Your continuing use of the Site signifies your acceptance of existing and any such future changes.
NOTE: These TERMS are EXACTLY the SAME provisions as the CUSTOMER TERMS - only that this one is longer and more
elaborate, made that way to accommodate other users of this Site other than those who are customers or purchasers of our
services or products (e.g., mere visitors of the site, or those placing a link to us).
AGREEMENT
(Terms & Conditions of Our Website Use)
1. Background
For Afford-Bankruptcy.Com (the "Debt Relief Agency" or "Bankruptcy Document Preparer" or “the Bankruptcy Assistance
Company,” or simply "the Company"), operating out of the United States, this Website is primarily meant, to: (1) enable the
Company to advertise and promote its own web site, products and/or services; (ii) facilitate the public's ability to learn about the
bankruptcy law and/or information; (iii) interact with debtors, credit and bankruptcy information providers and seekers, bankruptcy
prospects and filers, and other personal or business debt relief agencies or others interested in similar subject matter. Further
to informing and providing general educational material to you or the general public on the bankruptcy system, Afford-Bankruptcy
and its staff may offer and sell information, documents, manuals, guidebooks, forms, books, kits, and other materials dealing
with bankruptcy filing and other law- or finance-related matters, to customers, and, where contracted for by you or other customer,
may provide bankruptcy document preparation assistance services to you or any other customers. You fully understand that Afford-
Bankruptcy does not require or compel that you must retain or employ us or our services. It is YOUR decision, solely and alone,
as to whether or not to use us or our assistance services or products.
Afford-Bankruptcy operation itself are NOT lawyers, and is NOT a law firm, but rather, is only a website owned and operated
by Afford-Bankruptcy.Com.
2. Purpose
Bankruptcy is one of your basic legal and constitutional rights as an American. The purpose of this web site, is to get you
informed on bankruptcy and bankruptcy basics, and to help you learn and know everything you need to know, as a debtor or a
debtor interested in the subject, about bankruptcy, about your legal rights in bankruptcy, and the bankruptcy document preparation
and filing process.
THIS WEBSITE IS AN ADVERTISEMENT, ONLY, OF FINANCIAL, CREDIT AND BANKRUPTCY INFORMATION and
ASSISTANCE SERVICES.
You fully and expressly understand that the materials, products and information of any and all nature whatsoever provided on the
Site, are provided for general, and not specific, informational purposes ONLY, and that they may not reflect current legal
developments or variances in the law of different jurisdictions. And that NOTHING whatsoever on the Site is legal advice, or
should in any way be construed to be so, or be used as a substitute for legal advice, in any given individual or specific case.
Neither Afford-Bankruptcy, nor any of its affiliates, partners, or associates, provides legal advice. Afford-Bankrutcy.com does not
represent or warrant that materials or information in this site are absolute or absolutely accurate, complete, reliable, current, up to
date, or error-free. The materials and information in the Site are not meant to guarantee, and are not guaranteed, to be accurate,
or complete or up to date. The documents, information or related graphics published on this server could include technical
inaccuracies or typographical errors. The Site is not intended to create, and does not constitute for or create, an attorney-client
relationship between you and Afford-Bankruptcy.com, or their affiliates, partners, employees, agents or associates, or any
particular attorney otherwise 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. In consideration of same, you agree that Afford-Bankruptcy shall not in any way be liable
for any damages or costs of any type arising out of, or connected with your use of such services herein (including, without
limitation, claims based on bad, inefficient, or improper practice or service, or lack of specific outcome).
Afford-Bankrutcy.com does not represent or warrant that this site or its server(s) are free of viruses or other harmful components
of any kind, description or nature.
YOU TOTALLY AGREE THAT YOU SHOULD NOT ACT OR RELY SOLELY ON THE BASIS OF ANY INFORMATION ON THE SITE
WITHOUT SEEKING FURTHER OR OTHER INFORMATION, OR PROFESSIONAL ADVICE ON SAME.
3. Submission of Information
By submitting information to us (if it’s a case calling for possible involvement of outside counsel, such as certain cases of Full
Service bankruptcy assistance, and the like), you understand and agree that we may provide your contact information and all
information that may be submitted by you, to the relevant attorney or law firms for follow-up or handling, and you further agree and
understand that such parties may contact you directly who may have interest in handling your case, unless you request in writing
your desire not to be contacted. In no event, however, shall we be obligated to release any of your submitted information to
outside parties for sale or other improper disclosure.
By accepting the submission of your information, it shall not be deemed that we have offered, or will offer, any advice on whether
you may have remedies under current law.
4. Privacy Policy
Your personal information is subject to our Privacy Policy, which is incorporated herein into this Agreement by reference. Click
here to review our privacy policy.
5. 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 any 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
solely at your own risk ONLY. 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, any papers, 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.
6. Participation in the Site
By submitting information to us, or otherwise participating in or using this Site, you agree that you will abide by, and shall be
deemed to have abided by, the following rules:
A) That you have read and studied, completely and fully, ALL the contents of this site and the provisions of this Agreement, and
fully comprehend them and the implications thereof, and that you agree not to process and use the services of Afford-Bankruptcy.
com unless you agree with ALL the terms and conditions herein, and if otherwise, it should be deemed that you did.
B) That you wholly understand and agree that the Site may ONLY be used in good faith, and may not be used to transmit,
disseminate or otherwise make available any information that is false, malicious, or defamatory, unsubstantiated, or which you
do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information
within the private/protected part of this site, proprietary and confidential information learned or disclosed as part of employment
relationships or under nondisclosure agreements); and may not further be used to threaten, abuse, blackmail, harass, or invade
the rights of any person or entity involved in this site, or to infringe on this Site's or on any other person or entity's intellectual
property rights, or in any other way that could reasonably be deemed unethical, illegal, or offensive.
C) That you shall not misidentify yourself or impersonate any person or entity, or falsely state or otherwise misrepresent your
affiliation with a person or entity (e.g., pretend to be a different person or from a different office, company or organization) at any
rime in your entire use of this Site.
D) That unless you have our prior written consent of Afford-Bankruptcy to do so, you will not reproduce, duplicate, copy, publish,
post, sell, resell or exploit for any commercial purposes, any portion of the Site or its Services, use of the Site or it Services, or
access to the Site or its Services.
E) That you shall not use any type of computer "worm," "virus," spyware, or any other device that is intended or is likely to disrupt,
overload, or otherwise impair the workings of any part of the Site. Should you ever engage in such conduct, the resulting damage
will be hard to quantify as a dollar amount and thus you hereby agree that, in light of the loss of good will that will be caused by an
inoperable site, and the time and money it will take to repair the Site and get back to addressing the concerns of visitors, you shall
be liable to, and to pay us, liquidated damages in the amount of $4,000 for each day that the Site is damaged until the Site is
completely repaired, but including, and not limited to, our rights which we shall still reserve, to seek further and additional
compensation if, in our sole discretion, your conduct injures us in a way not expressly contemplated herein.
F) That you fully understand and agree you shall not collect or store personal data about other users in this site.
G) That you fully understand and agree you are shall not access the Site for the purpose of data mining or extracting content from
the Site beyond your personal end use; and you shall not disguise or forge headers or otherwise manipulate identifiers in order
to disguise the origin of any Content transmitted through the Site.
H). That you fully understand and agree, that in the event that you submit or transmit any data, information, documents or other
items through the Site, such material will be, and should rightfully be deemed by us to be, a true, non-deceitful, accurate, current
and complete information and representation, and be absolutely relied upon by us in our operations. In the event that you provide
any material that is untrue, inaccurate, not current or incomplete, and/or material about which we have reasonable basis solely in
our discretion to suspect to be untrue, deceitful, inaccurate, not current or incomplete, we shall be deemed to have the right either
to suspend or terminate any further participation by you in the Site or our services to you, where applicable, and/or to terminate
with immediate effect any and all current contract or services pending with you, including automatic forfeiture by you of the any
payment of fees.
I) You understand and agree that under no circumstances will we be liable in any way for any content of this site, including, but not
limited to, for any errors or omissions in any content, or for any loss or damages of any kind incurred as a result of the use by you
or by any parties, of any content posted on, emailed or otherwise transmitted to or via the Site.
7. Intellectual Property Rights
You acknowledge and agree that 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,
and you may not infringe on any such rights in any manner. No part of the materials, including (but not limited to) written contents,
graphics or logos, available in this Site may be copied, photocopied, reproduced, published, posted, translated or reduced to any
electronic medium or machine-readable form, in whole or in part, or otherwise illegally used, without specific written permission
and authorization of the Site’s Director.
8. Indemnity
You agree to indemnify and Afford-Bankruptcy.Com, and our affiliates, subsidiaries, agents, third party contractors and
employees, etc., harmless from all damages, costs, liabilities, and any claim or demand made by any third party, including
reasonable attorney's fees, that is due to or which arises out of, any content contained in this Site, or that is submitted, posted to
or transmitted through the Site by you, or that arises out of your use of the Site or your violation of this agreement, or due to your
violation of any rights of another person, or arising from such activities carried out by a person using your Afford-Bankruptcy
account or password, with your knowledge.
9. Errors and Corrections
We understand and agree, that Afford-Bankruptcy does NOT represent or warrant that the Site or its contents will be error-free, or
free of viruses or other harmful components, or that any defects in the site, if any, will be corrected. Afford-Bankruptcy does not
warrant or represent that the information available on or through the Site will be correct, accurate, timely, or otherwise reliable.
10. Third-Party Content
Afford-Bankruptcy shall reserve the right, at its discretion, to feature third-party content on this site, or to access other sites via
links from this Site. We shall not be responsible for any mistakes, misstatements of material fact, law, or defamation, omissions,
falsehood, obscenity, pornography or profanity in the statements, opinions, representations or any other form of content contained
in any third-party content appearing on the Site. The parties herein duly understand and agree that the information and opinions in
the third-party content, represent solely the thoughts of the author and is not necessarily endorsed by Afford-Bankruptcy or reflect
its views.
.
11. Links to Other Websites
The Site may contain "hyperlinks" to websites that are neither owned nor controlled by Afford-Bankruptcy. Unless otherwise noted
specifically in specific cases, we are not responsible for, and, make no representations or endorsements of such sites or any
services or products associated with them. By including these hyperlinks, we do not mean, or state or imply, in any way, that we
are a sponsor of, or are affiliated with them, or that we are legally authorized to use any trade name, registered trademark,
service mark, logo, legal or official seal, or copyrighted symbol that may be reflected in the hyperlinks.
12. Disclaimer of Warranties
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
YOUR USE OF THE SITE - AND/OR OF THE SERVICES OF THIS COMPANY, WHERE APPLICABLE - IS SOLELY AT YOUR OWN
RISK ONLY. ALL CONTENT AND SERVICES ON THE SITE ARE PROVIDED SOLELY ON AN "AS-IS/AS-AVAILABLE" BASIS. WE
HEREWITH EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT
NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS
FOR A PARTICULAR PURPOSE OR USE, AS TO THE END RESULTS YOU MAY ACHIEVE ON ACCOUNT OF YOUR USE OF THE
SITE.
AFFORD-BANKRUPTCY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND OR NATURE REGARDING ITS
ABILITY TO OBTAIN A FAVORABLE RESULT IN A SPECIFIC INSTANCE FOR YOU. WITHOUT LIMITING THE GENERALITY OF
THE FOREGOING, WE MAKE NO REPRESENTATION OR WARRANTY THAT: (i) THE CONTENT AND SERVICE OF THIS SITE
WILL MEET YOUR STANDARDS OR REQUIREMENTS; (ii) THE CONTENT AND SERVICE OF THIS SITE WILL BE
UNINTERRUPTED, TIMELY, SECURE; OR ERROR-FREE; (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE
SITE WILL BE ACCURATE OR RELIABLE, OR ASSURED; OR (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION,
OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE IS ACCURATE OR WILL MEET YOUR
EXPECTATIONS.
WE DO NOT GUARANTY THE ACCURACY OR COMPLETENESS OF ANY CONTENT OR SERVICES AND WE DO NOT
GUARANTY THAT ANY SERVICES OR PRODUCTS OR GOODS ASSOCIATED WITH THE SITE WILL BE ERROR-FREE OR
UNINTERRUPTED, OR THAT ANY SERVICE OR GOOD WILL CONTINUE TO BE AVAILABLE.
NO INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH OR FROM THE SITE SHALL
CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT.
13. Exclusions And Limitations
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF
LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF
SECTIONS 12 MAY NOT APPLY TO YOU.
14. Entire Agreement
This agreement constitutes the entire agreement between you and us and governs your use of the Site, superseding any prior
agreements between you and us. You also may be subject to additional other terms and conditions that may apply when you use
or purchase certain other services, affiliate services, third-party content or third-party software.
15. Choice of Forum
Any disputes, contentions or issues about, arising out of, or relating to, the use of this Site, or this agreement and/or the
relationship between you and us, or the performance of our work for you or any customer, shall be submitted to arbitration in New
York, New York, carried out in accordance with the rules of the American Arbitration Association, except that in all instances the
party ultimately found to be substantially blamable or at fault, shall be liable for the legal fees and costs for the other party's legal
difference. In any and all such instances, Afford-Bankruptcy and its personnel and agents, shall additionally reserve and have the
right to publish and make public, or to otherwise publicly use, the provisions of this Agreement and its Disclaimer and Terms of
Use (among other contents) in clarification of the issue or in its defense as it may deem proper or just.
16. Waiver and Severability of Terms
Any failure on our part to exercise or enforce any right or provision contained in this agreement, shall not be deemed to constitute
a waiver of such right or provision. If any provision of the agreement is found by a court of competent jurisdiction to be invalid, the
parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and
the other provisions of the agreement shall independently remain valid, and in full force and effect.
17. Statute of Limitations
It is understood and agreed that regardless of any statute or law to the contrary, any claim or cause of action arising out of or
relating to use of this Site, this agreement and/or the relationship between you and us, must be filed within one (1) year after such
claim or cause of action arose or be forever barred.
18. YOUR ACCEPTANCE OF THE TERMS & CONDITIONS OF OUR WEBSITE USE POLICY
Finally, you reiterate herein, once again, that you have taken the time, and have fully read and studied this AGREEMENT, and do
understand the contents and the ramifications of same, and agree with and accept COMPLETELY, and should be so deemed to
have agreed and accepted COMPLETELY, the within expressed terms and conditions of this Agreement by virtue of and once you
do, the earlier of the following: (1) your completion of our Intake Questionnaire and your submission of same or of an order for
service, to Afford-Bankrutcy.com; (2) your use or reception of the services offered.
I AGREE, hence I'm using this site and/or its services. Signed___________________
(Terms & Conditions of Our Website Use)
1. Background
For Afford-Bankruptcy.Com (the "Debt Relief Agency" or "Bankruptcy Document Preparer" or “the Bankruptcy Assistance
Company,” or simply "the Company"), operating out of the United States, this Website is primarily meant, to: (1) enable the
Company to advertise and promote its own web site, products and/or services; (ii) facilitate the public's ability to learn about the
bankruptcy law and/or information; (iii) interact with debtors, credit and bankruptcy information providers and seekers, bankruptcy
prospects and filers, and other personal or business debt relief agencies or others interested in similar subject matter. Further
to informing and providing general educational material to you or the general public on the bankruptcy system, Afford-Bankruptcy
and its staff may offer and sell information, documents, manuals, guidebooks, forms, books, kits, and other materials dealing
with bankruptcy filing and other law- or finance-related matters, to customers, and, where contracted for by you or other customer,
may provide bankruptcy document preparation assistance services to you or any other customers. You fully understand that Afford-
Bankruptcy does not require or compel that you must retain or employ us or our services. It is YOUR decision, solely and alone,
as to whether or not to use us or our assistance services or products.
Afford-Bankruptcy operation itself are NOT lawyers, and is NOT a law firm, but rather, is only a website owned and operated
by Afford-Bankruptcy.Com.
2. Purpose
Bankruptcy is one of your basic legal and constitutional rights as an American. The purpose of this web site, is to get you
informed on bankruptcy and bankruptcy basics, and to help you learn and know everything you need to know, as a debtor or a
debtor interested in the subject, about bankruptcy, about your legal rights in bankruptcy, and the bankruptcy document preparation
and filing process.
THIS WEBSITE IS AN ADVERTISEMENT, ONLY, OF FINANCIAL, CREDIT AND BANKRUPTCY INFORMATION and
ASSISTANCE SERVICES.
You fully and expressly understand that the materials, products and information of any and all nature whatsoever provided on the
Site, are provided for general, and not specific, informational purposes ONLY, and that they may not reflect current legal
developments or variances in the law of different jurisdictions. And that NOTHING whatsoever on the Site is legal advice, or
should in any way be construed to be so, or be used as a substitute for legal advice, in any given individual or specific case.
Neither Afford-Bankruptcy, nor any of its affiliates, partners, or associates, provides legal advice. Afford-Bankrutcy.com does not
represent or warrant that materials or information in this site are absolute or absolutely accurate, complete, reliable, current, up to
date, or error-free. The materials and information in the Site are not meant to guarantee, and are not guaranteed, to be accurate,
or complete or up to date. The documents, information or related graphics published on this server could include technical
inaccuracies or typographical errors. The Site is not intended to create, and does not constitute for or create, an attorney-client
relationship between you and Afford-Bankruptcy.com, or their affiliates, partners, employees, agents or associates, or any
particular attorney otherwise 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. In consideration of same, you agree that Afford-Bankruptcy shall not in any way be liable
for any damages or costs of any type arising out of, or connected with your use of such services herein (including, without
limitation, claims based on bad, inefficient, or improper practice or service, or lack of specific outcome).
Afford-Bankrutcy.com does not represent or warrant that this site or its server(s) are free of viruses or other harmful components
of any kind, description or nature.
YOU TOTALLY AGREE THAT YOU SHOULD NOT ACT OR RELY SOLELY ON THE BASIS OF ANY INFORMATION ON THE SITE
WITHOUT SEEKING FURTHER OR OTHER INFORMATION, OR PROFESSIONAL ADVICE ON SAME.
3. Submission of Information
By submitting information to us (if it’s a case calling for possible involvement of outside counsel, such as certain cases of Full
Service bankruptcy assistance, and the like), you understand and agree that we may provide your contact information and all
information that may be submitted by you, to the relevant attorney or law firms for follow-up or handling, and you further agree and
understand that such parties may contact you directly who may have interest in handling your case, unless you request in writing
your desire not to be contacted. In no event, however, shall we be obligated to release any of your submitted information to
outside parties for sale or other improper disclosure.
By accepting the submission of your information, it shall not be deemed that we have offered, or will offer, any advice on whether
you may have remedies under current law.
4. Privacy Policy
Your personal information is subject to our Privacy Policy, which is incorporated herein into this Agreement by reference. Click
here to review our privacy policy.
5. 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 any 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
solely at your own risk ONLY. 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, any papers, 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.
6. Participation in the Site
By submitting information to us, or otherwise participating in or using this Site, you agree that you will abide by, and shall be
deemed to have abided by, the following rules:
A) That you have read and studied, completely and fully, ALL the contents of this site and the provisions of this Agreement, and
fully comprehend them and the implications thereof, and that you agree not to process and use the services of Afford-Bankruptcy.
com unless you agree with ALL the terms and conditions herein, and if otherwise, it should be deemed that you did.
B) That you wholly understand and agree that the Site may ONLY be used in good faith, and may not be used to transmit,
disseminate or otherwise make available any information that is false, malicious, or defamatory, unsubstantiated, or which you
do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information
within the private/protected part of this site, proprietary and confidential information learned or disclosed as part of employment
relationships or under nondisclosure agreements); and may not further be used to threaten, abuse, blackmail, harass, or invade
the rights of any person or entity involved in this site, or to infringe on this Site's or on any other person or entity's intellectual
property rights, or in any other way that could reasonably be deemed unethical, illegal, or offensive.
C) That you shall not misidentify yourself or impersonate any person or entity, or falsely state or otherwise misrepresent your
affiliation with a person or entity (e.g., pretend to be a different person or from a different office, company or organization) at any
rime in your entire use of this Site.
D) That unless you have our prior written consent of Afford-Bankruptcy to do so, you will not reproduce, duplicate, copy, publish,
post, sell, resell or exploit for any commercial purposes, any portion of the Site or its Services, use of the Site or it Services, or
access to the Site or its Services.
E) That you shall not use any type of computer "worm," "virus," spyware, or any other device that is intended or is likely to disrupt,
overload, or otherwise impair the workings of any part of the Site. Should you ever engage in such conduct, the resulting damage
will be hard to quantify as a dollar amount and thus you hereby agree that, in light of the loss of good will that will be caused by an
inoperable site, and the time and money it will take to repair the Site and get back to addressing the concerns of visitors, you shall
be liable to, and to pay us, liquidated damages in the amount of $4,000 for each day that the Site is damaged until the Site is
completely repaired, but including, and not limited to, our rights which we shall still reserve, to seek further and additional
compensation if, in our sole discretion, your conduct injures us in a way not expressly contemplated herein.
F) That you fully understand and agree you shall not collect or store personal data about other users in this site.
G) That you fully understand and agree you are shall not access the Site for the purpose of data mining or extracting content from
the Site beyond your personal end use; and you shall not disguise or forge headers or otherwise manipulate identifiers in order
to disguise the origin of any Content transmitted through the Site.
H). That you fully understand and agree, that in the event that you submit or transmit any data, information, documents or other
items through the Site, such material will be, and should rightfully be deemed by us to be, a true, non-deceitful, accurate, current
and complete information and representation, and be absolutely relied upon by us in our operations. In the event that you provide
any material that is untrue, inaccurate, not current or incomplete, and/or material about which we have reasonable basis solely in
our discretion to suspect to be untrue, deceitful, inaccurate, not current or incomplete, we shall be deemed to have the right either
to suspend or terminate any further participation by you in the Site or our services to you, where applicable, and/or to terminate
with immediate effect any and all current contract or services pending with you, including automatic forfeiture by you of the any
payment of fees.
I) You understand and agree that under no circumstances will we be liable in any way for any content of this site, including, but not
limited to, for any errors or omissions in any content, or for any loss or damages of any kind incurred as a result of the use by you
or by any parties, of any content posted on, emailed or otherwise transmitted to or via the Site.
7. Intellectual Property Rights
You acknowledge and agree that 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,
and you may not infringe on any such rights in any manner. No part of the materials, including (but not limited to) written contents,
graphics or logos, available in this Site may be copied, photocopied, reproduced, published, posted, translated or reduced to any
electronic medium or machine-readable form, in whole or in part, or otherwise illegally used, without specific written permission
and authorization of the Site’s Director.
8. Indemnity
You agree to indemnify and Afford-Bankruptcy.Com, and our affiliates, subsidiaries, agents, third party contractors and
employees, etc., harmless from all damages, costs, liabilities, and any claim or demand made by any third party, including
reasonable attorney's fees, that is due to or which arises out of, any content contained in this Site, or that is submitted, posted to
or transmitted through the Site by you, or that arises out of your use of the Site or your violation of this agreement, or due to your
violation of any rights of another person, or arising from such activities carried out by a person using your Afford-Bankruptcy
account or password, with your knowledge.
9. Errors and Corrections
We understand and agree, that Afford-Bankruptcy does NOT represent or warrant that the Site or its contents will be error-free, or
free of viruses or other harmful components, or that any defects in the site, if any, will be corrected. Afford-Bankruptcy does not
warrant or represent that the information available on or through the Site will be correct, accurate, timely, or otherwise reliable.
10. Third-Party Content
Afford-Bankruptcy shall reserve the right, at its discretion, to feature third-party content on this site, or to access other sites via
links from this Site. We shall not be responsible for any mistakes, misstatements of material fact, law, or defamation, omissions,
falsehood, obscenity, pornography or profanity in the statements, opinions, representations or any other form of content contained
in any third-party content appearing on the Site. The parties herein duly understand and agree that the information and opinions in
the third-party content, represent solely the thoughts of the author and is not necessarily endorsed by Afford-Bankruptcy or reflect
its views.
.
11. Links to Other Websites
The Site may contain "hyperlinks" to websites that are neither owned nor controlled by Afford-Bankruptcy. Unless otherwise noted
specifically in specific cases, we are not responsible for, and, make no representations or endorsements of such sites or any
services or products associated with them. By including these hyperlinks, we do not mean, or state or imply, in any way, that we
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WE DO NOT GUARANTY THE ACCURACY OR COMPLETENESS OF ANY CONTENT OR SERVICES AND WE DO NOT
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13. Exclusions And Limitations
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LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF
SECTIONS 12 MAY NOT APPLY TO YOU.
14. Entire Agreement
This agreement constitutes the entire agreement between you and us and governs your use of the Site, superseding any prior
agreements between you and us. You also may be subject to additional other terms and conditions that may apply when you use
or purchase certain other services, affiliate services, third-party content or third-party software.
15. Choice of Forum
Any disputes, contentions or issues about, arising out of, or relating to, the use of this Site, or this agreement and/or the
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party ultimately found to be substantially blamable or at fault, shall be liable for the legal fees and costs for the other party's legal
difference. In any and all such instances, Afford-Bankruptcy and its personnel and agents, shall additionally reserve and have the
right to publish and make public, or to otherwise publicly use, the provisions of this Agreement and its Disclaimer and Terms of
Use (among other contents) in clarification of the issue or in its defense as it may deem proper or just.
16. Waiver and Severability of Terms
Any failure on our part to exercise or enforce any right or provision contained in this agreement, shall not be deemed to constitute
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parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and
the other provisions of the agreement shall independently remain valid, and in full force and effect.
17. Statute of Limitations
It is understood and agreed that regardless of any statute or law to the contrary, any claim or cause of action arising out of or
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18. YOUR ACCEPTANCE OF THE TERMS & CONDITIONS OF OUR WEBSITE USE POLICY
Finally, you reiterate herein, once again, that you have taken the time, and have fully read and studied this AGREEMENT, and do
understand the contents and the ramifications of same, and agree with and accept COMPLETELY, and should be so deemed to
have agreed and accepted COMPLETELY, the within expressed terms and conditions of this Agreement by virtue of and once you
do, the earlier of the following: (1) your completion of our Intake Questionnaire and your submission of same or of an order for
service, to Afford-Bankrutcy.com; (2) your use or reception of the services offered.
I AGREE, hence I'm using this site and/or its services. Signed___________________
| PLEASE READ THE FOLLOWING TERMS and CONDITIONS MOST CAREFULLY BEFORE USING THE Afford-Bankruptcy.com WEBSITE (the "Site" or "Afford-Bankruptcy"). |
| "If you decide to seek bankruptcy relief, you can represent yourself, [or] you can hire an attorney to represent you, or you can get help... from a bankruptcy petition preparer." - The U.S. Bankruptcy Code [ Section 527(b)] |
UNABLE TO FILE
BANKRUPTCY BECAUSE OF
HIGH LEGAL FEES?
"Attorney fees [for bankruptcy] roughly
doubled as a result of the 2005 changes [in the
bankruptcy law, and are] now in the
neighborhood of $1,500 to $2,000 for the most
basic Chapter 7 bankruptcies. In a word,
bankruptcy attorneys have [made
bankruptcy] become unaffordable."
-- Stephen Elias, California attorney, noted expert
and author of bankruptcy instructional manuals.
BANKRUPTCY BECAUSE OF
HIGH LEGAL FEES?
"Attorney fees [for bankruptcy] roughly
doubled as a result of the 2005 changes [in the
bankruptcy law, and are] now in the
neighborhood of $1,500 to $2,000 for the most
basic Chapter 7 bankruptcies. In a word,
bankruptcy attorneys have [made
bankruptcy] become unaffordable."
-- Stephen Elias, California attorney, noted expert
and author of bankruptcy instructional manuals.
We are a FEDERAL
DEBT RELIEF
AGENCY. We are NOT a
Law Firm or Lawyers.
That is, we provide
assistance to DEBTORS in
filing for their debt relief in
BANKRUPTCY -
AFFORDABLY.
Click here, to see
WHY WE'RE
NUMBER #1
DEBT RELIEF
AGENCY. We are NOT a
Law Firm or Lawyers.
That is, we provide
assistance to DEBTORS in
filing for their debt relief in
BANKRUPTCY -
AFFORDABLY.
Click here, to see
WHY WE'RE
NUMBER #1
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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
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duly entered into in this TERMS OF USE.