1 ATTORNEY RESPONSIBLE FOR CONTENT. AffordBankruptcy.com is an advertising website (“Site”) owned and operated by Paul S. Taub, Esq.     2 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. AffordBankruptcy.com does not provide legal advice. The materials and information on the Site do not necessarily reflect the opinions of the attorneys of the participating law firms, their partners, clients or affiliates. The information in the 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 submission of information or any request for a consultation 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 ADVERTISEMENT WITHOUT SEEKING AND RETAINING THE ADVICE OF AN ATTORNEY.     3 NO FEE SHARING. This site is not a referral service or lawyer cooperative and does not share fees.     4 NO SPECIALISTS. 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 area of bankruptcy law (or any other field) is not meant to imply that they have gained any specific type of certification in these areas. Indeed, many states 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.   Indiana   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 law is now required to state: We are a debt relief agency and help people file bankruptcy under the bankruptcy code.