Following credit card reform and other debt news.

Legal Disclaimers - IMPORTANT

I don’t want to go all legal here, but I fear that if I don’t I will come to regret it later. So I’m gonna give you the essentials, and you should just pretend that the rest of the 20 point contract that you see as a terms of use on every other website or blog is here, along with the additional disclaimers that you would see on every law firm website. Since most of them don’t make much sense anyway, and I doubt you would ever read it if I put it up, I’m just gonna engage in the fiction that it is all here, like the court would engage in the fiction that me putting it up binds you to it because you stop by here, and - poof - now you’re bound by them because you’ve read this, whereas on other websites you’re bound by the rules even if you don’t read them. Additionally, and solely for reinforcement purposes:

This website does not provide legal advice and anyone requiring legal advice should retain an attorney.  I am not acting as your attorney here or on any matter and there is no attorney-client relationship between me and you.  The law differs by jurisdiction and factual circumstances - so any information provided may not apply to you and is not a substitute for the advice of an attorney.

Links and advertisements here may be paid or unpaid, and do not come with my recommendation or endorsement.

No guarantee or warranty is made as to any information or part of this website, and I am not responsible for any loss, injury, claim, liability, or damage related to your use of this website.

Additional terms, conditions, and disclaimers will be added later. To make it easier, you should just assume that you have waived or disclaimed every right that you may have when you enter this website address in the url line of your browser or click on a link and end up here. I’ll notify you of what you’ve lost when you need to know about it - that’s how they do it on the credit cards and it works just fine, right?