You may view, download for caching purposes only, and
print pages from the website for your own personal
use, subject to the restrictions set out below and
elsewhere in these terms and conditions.
You must not:
• republish material from this website (including
republication on another website);
• sell, rent or sub-license material from the
• show any material from the website in public;
• reproduce, duplicate, copy or otherwise exploit
material on this website for a commercial purpose;
• redistribute material from this website [except
for content specifically and expressly made available
• edit or otherwise modify any material on the
You must not use this website in any way that causes,
or may cause, damage to the website or impairment of
the availability or accessibility of the website; or
in any way which is unlawful, illegal, fraudulent or
harmful, or in connection with any unlawful, illegal,
fraudulent or harmful purpose or activity.
must not use this website to copy, store, host,
transmit, send, use, publish or distribute any
material which consists of (or is linked to) any
spyware, computer virus, Trojan horse, worm, keystroke
logger, rootkit or other malicious computer software.
must not conduct any systematic or automated data
collection activities (including without limitation
scraping, data mining, data extraction and data
harvesting) on or in relation to this website without
Lifetime Debt Solutions, LLC’s express written
You must not use this website for any purposes related
to marketing without Lifetime Debt Solutions, LLC’s
express written consent.
In these terms and conditions, “your user content”
means material (including without limitation text,
images, audio material, video material and
audio-visual material) that you submit to this
website, for whatever purpose.
grant to Lifetime Debt Solutions, LLC a worldwide,
irrevocable, non-exclusive, royalty-free license to
use, reproduce, adapt, publish, translate and
distribute your user content in any existing or future
media. You also grant to Lifetime Debt Solutions, LLC
the right to sub-license these rights, and the right
to bring an action for infringement of these rights.
user content must not be illegal or unlawful, must not
infringe any third party’s legal rights, and must
not be capable of giving rise to legal action whether
against you or Lifetime Debt Solutions, LLC or a third
party (in each case under any applicable law).
must not submit any user content to the website that
is or has ever been the subject of any threatened or
actual legal proceedings or other similar complaint.
Debt Solutions, LLC reserves the right to edit or
remove any material submitted to this website, or
stored on Lifetime Debt Solutions, LLC’s servers, or
hosted or published upon this website.
This website is provided “as is” without any
representations or warranties, express or implied.
Lifetime Debt Solutions, LLC makes no representations
or warranties in relation to this website or the
information and materials provided on this website.
Without prejudice to the generality of the foregoing
paragraph, Lifetime Debt Solutions, LLC does not
• this website will be constantly available, or
available at all; or
• the information on this website is complete, true,
accurate or non-misleading.
Nothing on this website constitutes, or is meant to
constitute, advice of any kind. If you require advice
in relation to any legal, financial or medical matter
you should consult an appropriate professional.
These limitations of liability apply even if Lifetime
Debt Solutions, LLC has been expressly advised of the
By using this website, you agree that the exclusions
and limitations of liability set out in this website
disclaimer are reasonable.
If you do not think they are reasonable, you must not
use this website.
You accept that, as a limited liability entity,
Lifetime Debt Solutions, LLC has an interest in
limiting the personal liability of its officers and
employees. You agree that you will not bring any claim
personally against Lifetime Debt Solutions, LLC’s
officers or employees in respect of any losses you
suffer in connection with the website.
prejudice to the foregoing paragraph, you agree that
the limitations of warranties and liability set out in
this website disclaimer will protect Lifetime Debt
Solutions, LLC’s officers, employees, agents,
subsidiaries, successors, assigns and sub-contractors
as well as Lifetime Debt Solutions, LLC.
If any provision of this website disclaimer is, or is
found to be, unenforceable under applicable law, that
will not affect the enforceability of the other
provisions of this website disclaimer.
You hereby indemnify Lifetime Debt Solutions, LLC and
undertake to keep Lifetime Debt Solutions, LLC
indemnified against any losses, damages, costs,
liabilities and expenses (including without limitation
legal expenses and any amounts paid by Lifetime Debt
Solutions, LLC to a third party in settlement of a
claim or dispute on the advice of Lifetime Debt
Solutions, LLC’s legal advisers) incurred or
suffered by Lifetime Debt Solutions, LLC arising out
of any breach by you of any provision of these terms
and conditions, or arising out of any claim that you
have breached any provision of these terms and
Limitations of liability
Lifetime Debt Solutions, LLC will not be liable to you
(whether under the law of contact, the law of torts or
otherwise) in relation to the contents of, or use of,
or otherwise in connection with, this website:
• to the extent that the website is provided
free-of-charge, for any direct loss;
• for any indirect, special or consequential loss;
• for any business losses, loss of revenue, income,
profits or anticipated savings, loss of contracts or
business relationships, loss of reputation or
goodwill, or loss or corruption of information or
Breaches of these terms and conditions
Without prejudice to Lifetime Debt Solutions, LLC’s
other rights under these terms and conditions, if you
breach these terms and conditions in any way, Lifetime
Debt Solutions, LLC may take such action as Lifetime
Debt Solutions, LLC deems appropriate to deal with the
breach, including suspending your access to the
website, prohibiting you from accessing the website,
blocking computers using your IP address from
accessing the website, contacting your internet
service provider to request that they block your
access to the website and/or bringing court
proceedings against you.
Lifetime Debt Solutions, LLC may revise these terms
and conditions from time-to-time. Revised terms and
conditions will apply to the use of this website from
the date of the publication of the revised terms and
conditions on this website. Please check this page
regularly to ensure you are familiar with the current
Lifetime Debt Solutions, LLC may transfer,
sub-contract or otherwise deal with Lifetime Debt
Solutions, LLC’s rights and/or obligations under
these terms and conditions without notifying you or
obtaining your consent.
not transfer, sub-contract or otherwise deal with your
rights and/or obligations under these terms and
If a provision of these terms and conditions is
determined by any court or other competent authority
to be unlawful and/or unenforceable, the other
provisions will continue in effect. If any unlawful
and/or unenforceable provision would be lawful or
enforceable if part of it were deleted, that part will
be deemed to be deleted, and the rest of the provision
will continue in effect.
These terms and conditions constitute the entire
agreement between you and Lifetime Debt Solutions, LLC
in relation to your use of this website, and supersede
all previous agreements in respect of your use of this
Law and jurisdiction
These terms and conditions will be governed by and
construed in accordance with the laws of the State of
Texas, and any disputes relating to these terms and
conditions will be subject to the exclusive
jurisdiction of the courts of Tarrant County, Texas.
web site is an on-line legal information service
provide by Lifetime Debt Solutions, LLC. Lifetime Debt
Solutions, LLC is not a law firm or a referral
service. Lifetime Debt Solutions, LLC is an
advertising company who is paid by the attorneys and
non-attorney advocates to run and operate the site.
The information contained in the web site is general
legal information and should not be construed as legal
advice to be applied to a specific situation. We do
not undertake to update any materials in our web site
to reflect subsequent legal or other developments, but
only to reflect new laws or legal information that are
available to the public. Online visitors should not
act on this information without seeking professional
counsel. Reading the information at this web site no
attorney-client relationship or a visitor-client
relationship is formed by using this web site in any
attorney-client relationship with any of our
sponsoring Attorneys, non-attorney advocate-client
relationship or a business relationship with a
non-attorney is ONLY created after:
• the attorney or non-attorney advocate agrees to
accept your case, and
• you have entered into a signed written contract
with one of the attorneys or non-attorney advocates,
• you have paid all agreed retainer fees to one of
the attorneys or non-attorney advocates.
An attorney-client relationship or non-attorney
advocate-client relationship can only be established
by mutual written consent between you and the
attorney; or non-attorney advocate.
PLEASE NOTE: Sending e-mail to this site does
not establish an attorney-client relationship or
non-attorney advocate-client relationship as this site
and Lifetime Debt Solutions, LLC are not law firms. No
attorney-client relationship or non-attorney
advocate-client relationship is created by the
information provided here or by any consultation with
our sponsoring law firm’s attorneys or staff or
non-attorney advocate’s employees. By submitting
information to this site you are giving permission to
this site to review the information and possibly
forward the information to a sponsoring attorney,
non-attorney advocate, or other Lifetime Debt
Solutions, LLC partner and have that entity contact
you via phone, email, text message or regular mail. By
submitting information to us, you also agree to
receive special offers and marketing communication
from Lifetime Debt Solutions, LLC and/or one of our
affiliates. You may opt out of these communications at
any time by clicking the “unsubscribe” link in the
marketing email or by notifying Lifetime Debt
Solutions, LLC in writing that you no longer wish to
receive these communications.
should not act or rely on any information at this web
site without seeking the advice of an attorney or
non-attorney advocate. The determination of whether
you need services and your choice of an attorney or
non-attorney advocate are very important matters that
should not be based solely on web sites or
already represented by counsel should inform us of
site is provided on an “AS IS” basis and all
warranties are expressly disclaimed, including the
warranties of merchantability and fitness for a
particular purpose. We make no representation,
guarantee or warranty as to the legal ability,
competence, or quality of representation or service by
any attorney, law firm, non-attorney advocate or any
advertiser. We disclaim all responsibility for any
loss of any kind resulting in any way from any errors
on this site or omissions therefore, from any errors
or omissions of said parties, and from any
infringement, direct or indirect.
information on this site is acquired from various
public and private sources, no responsibility is
assumed for the accuracy or timeliness of any
information provided herein. These materials provide
only general information about the matters discussed.
The application of any law referenced, to a particular
transaction or dispute can vary significantly
depending upon the factors unique to that situation.
Therefore, we strongly recommend that you obtain
advice from a licensed attorney or non-attorney
advocate who can adequately assess your unique
situation. With respect to attorneys and purposes of
meeting the requirements of numerous states’ Supreme
Court Rules on ethics, the following additional
disclosures are made:
If you have any questions or concerns regarding this
notice, you should contact us at:
Debt Solutions, LLC
917 W. 18th Street Suite 200
Chicago, IL 60608
Legal service is a serious matter and the decision to
choose an attorney should not be based solely on an
advertisement or advertising.
• Additional information about each attorney is
available upon written request from each sponsoring
attorney or law firm.
• No representations are made that any sponsoring
attorney or law firm are Specialists. Certain State
Bar Associations require additional attorney
disclaimers regarding certification as a Specialists.
The following is a list of state-specific disclaimers:
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.
Rules of Professional Conduct Rule 7.2(e) (1997).
The Alaska Bar Association does not accredit or
endorse certifying organizations.
Rules of Professional Conduct Rule 7.4(a)(2) (1998).
The hiring of a lawyer is an important decision that
should not be based solely upon advertisements. Before
you decide, ask us to send you free written
information about our qualifications and experience.
Rules of Professional Conduct Rule 4-7.2(d) (1997).
There is no procedure for review or approval of
specialist certification organizations in Hawaii.
Rules of Professional Conduct Rule 7.4(c) (1997).
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.
Rules of Professional Conduct Rule 7.4(c)(2) (1997).
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
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
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.
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.
See Iowa Code of Professional Responsibility
DR 2-101(A), DR 2-101(C), DR 2-105(A)(3)(c) (1997).
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.
See Massachusetts Code of Professional
Responsibility DR 2-105(B) (1997).
The Mississippi Supreme Court advises that a decision
on legal services is important and should not be based
solely on advertisements.
Background information is available upon request to a
listing of any area of practice by a Mississippi
attorney does not indicate any certification of
See Mississippi Rules of Professional Conduct
Rule 7.2(d), Rule 7.4(a), Rule 7.6(a) (1997).
Neither the Supreme Court of Missouri nor the Missouri
Bar reviews or approves certifying organizations or
Rules of Professional Conduct Rule 7.4 (1997).
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.
Rules of Professional Conduct Rule 198 (1997).
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
See New Jersey Rules of Professional Conduct
Rule 7.4(b) (1997).
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
See New Mexico Rules of Professional Conduct
Rule 16-704(D) (1997).
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.
Island Rules of Professional Conduct Rule 7.4 (1998).
Unless otherwise indicated, Tennessee attorneys are
not certified as specialists by the Tennessee
Commission on Continuing Legal Education and
Specialization in the areas of practice listed on
See Tennessee Code of Professional
Responsibility DR 2-101(C)(3) (1998).
Unless otherwise indicated, Texas attorneys are Not
Certified by the Texas Board of Legal Specialization
in the areas of practice listed on their profiles.
See Texas Disciplinary Rules of Professional
Conduct Rule 7.04(b)(3) (1999).
The Supreme Court of Washington does not recognize
certification of specialties in the practice of law.
Any certificate, award, or recognition by a group,
organization or association used by a Washington
attorney to describe his or her qualifications as a
lawyer or qualifications in any subspecialty of law is
not a requirement to practice law in the State of
See Washington Rules of Professional
Responsibility Rule 7.4(b) (1997).
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.
Rules of Professional Conduct for Attorneys at Law
Rule 7.4 (1997).