Disclaimer and Disclosures

The information located at www.howardlawpc.net (the "Website") is provided for informational purposes only, and should not be construed as legal advice on any subject matter. No recipients of content from this site, clients or otherwise, should act or refrain from acting on the basis of any content included in the site without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue from an attorney licensed in the recipient's state. The materials located at www.howardlawpc.net (the "Website") are provided by Howard Law, P.C. ("the Law Firm"). The use of the Website by the user or browser ("you") is subject to the following Terms and Conditions: The Law Firm reserves the right to change these terms at any time, effective immediately upon posting on the Website. Please check this page of the Website periodically. If you violate these terms of use, The Law Firm may terminate your use of the Website, bar you from future use of the Website and/or take appropriate legal action against you. The Law Firm authorizes you to view, copy, download, and print The Law Firm documents on this Website, subject to the following conditions:

• The documents may be used solely for personal, noncommercial, and informational purposes.
• The documents may not be modified.
• The following copyright notice and permission notice must appear on each document: "© 2013 The Law Firm, Howard Law, P.C. All Rights Reserved."

ATTORNEY ADVERTISING; OUTCOMES NOT GUARANTEED

You are advised that the contents of this Website constitute attorney advertising and that prior results do not guarantee a similar outcome.

INFORMATIONAL PURPOSES ONLY

The materials available on this Website have been prepared by the Law Firm and are intended for informational purposes only. The information provided on this Website is provided only as general information, which may or may not reflect the most current legal developments. The opinions expressed on or through this Website are the opinionsof the individual author and may not reflect the opinions of The Law Firm or any individual attorney.

NO ATTORNEY-CLIENT RELATIONSHIP

Transmission of the information contained on this Website is not intended to create, and receipt does not constitute, an attorney-client relationship between you and The Law Firm. This Website contains information on legal issues and is not a substitute for legal advice from a qualified attorney licensed in the appropriate jurisdiction.

RELATIONSHIP WITH MORGAN DREXEN

The Law Firm uses the outside services of Morgan Drexen to provide administrative, marketing, paralegal, and paraprofessional support services to the Law Firm in its representation of near-bankrupt consumers in resolving debts with unsecured creditors. Morgan Drexen's trained support staff and automated client services IT platform enable the Law Firm to service clients more efficiently, with a greater level of attention and at far lower cost. The employees of Morgan Drexen are not attorneys; they assist the attorneys of the Law Firm in its non-formal debt resolution practice by managing all initial client intake, ascertaining potential clients' hardships (the threshold requirement for debt resolution services), verifying suitability for debt resolution services (available cash-flow from an income-stream, for example), reporting each client's sustainable budget, obtaining paperwork to process enrolled debts, conferring with third party creditors on behalf of your attorney, docketing court filings and events, organizing, indexing, retrieving, and automatically alerting attorneys of the Law Firm to court events. Anything that constitutes the practice of law is performed exclusively by the client's attorney(s) in the state where the client resides. All activities performed by Morgan Drexen are supervised by the attorney(s) in the state where the client resides. The staff at Morgan Drexen will always truly identify themselves to you and third party creditors as employees of Morgan Drexen.

USE IN OTHER JURISDICTIONS

This firm practices law only in jurisdictions in which it is properly authorized to do so by virtue of state licensing or the use of contracted referral counsel. This firm does not seek to represent anyone in any jurisdiction where this Website does not comply or is in any way inconsistent with the rules governing communication of legal services in a particular state. This firm is unwilling to assume the representation of clients from those states where the materials do not comply with State Bar requirements and where the client is generated as a result of that communication.

NO WARRANTIES/LIMITATION OF LIABILITY

INFORMATION PROVIDED ON THIS WEBSITE IS PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. THE LAW FIRM PERIODICALLY ADDS, CHANGES, IMPROVES, OR UPDATES THE INFORMATION AND DOCUMENTS ON THIS WEBSITE WITHOUT NOTICE. THE LAW FIRM ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT OF THIS WEBSITE.

THIRD-PARTY LINKS

The Law Firm has included some links to related Internet sites maintained by third parties. Neither The Law Firm nor its affiliates operate or control, in any respect, any information, products, or services on such linked sites. In addition, the Law Firm does not guarantee the timeliness, sequence, accuracy, completeness, reliability, or content of such information.

PRIVACY STATEMENT

You SHOULD NOT send confidential information or information that you regard as privileged to The Law Firm until you have received written acceptance from The Law Firm of any legal services you may request. The content of any correspondence you send via the Internet will not be considered confidential unless you have received such written confirmation.

TAX ADVICE

To ensure compliance with requirements imposed by the IRS in Circular 230, The Firm informs you (the user of this Website) that, unless expressly stated otherwise in this communication (including attachments and links), any tax advice contained in this communication is not intended or written to be used, and cannot be used, for the purpose of: 1. Avoiding penalties under the Internal Revenue Code or 2. Promoting, marketing or recommending to another party any transaction or other matter addressed herein.

IRS Circular 230.