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The U.S. Constitution provides a method whereby a person, burdened by excessive debt, has a right to a "fresh start" and pursues productive lives unimpaired by past financial problems. The federal bankruptcy laws were enacted to provide good, 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 law can be complicated and there are several considerations that must be taken into account in making the determination whether or not to file. If you are thinking about filing a bankruptcy, we encourage you to keep an open mind and make no decision about debt relief without seeking the advice and assistance of an experienced bankruptcy lawyer.

State Disclosures with State Laws:

California Bankruptcy Laws
See" California " attorney page for specific disclosures that may apply.

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 Bankruptcy Laws
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.

Georgia Bankruptcy Laws
See "Georgia" attorney page for specific disclosures that may apply.

Hawaii Bankruptcy Laws
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 Bankruptcy Laws
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 Bankruptcy Laws
See" Indiana" attorney page for specific disclosures that may apply.

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.

Maryland Bankruptcy Laws
See " Maryland " attorney page for specific disclosures that may apply.

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.

Michigan Bankruptcy Laws
See " Michigan " attorney page for specific disclosures that may apply.

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 Bankruptcy Laws
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 Bankruptcy Laws
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.

New York Bankruptcy Laws
See " New York " attorney page for specific disclosures that may apply.

North Carolina Bankruptcy Laws
See " North Carolina " attorney page for specific disclosures that may apply.

Ohio Bankruptcy Laws
See " Ohio " attorney page for specific disclosures that may apply.

Oregon Bankruptcy Laws
See " Oregon " attorney page for specific disclosures that may apply.

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

Virginia Bankruptcy Laws
See "Virginia" attorney page for specific disclosures that may apply.

Washington Bankruptcy Laws
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.

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