FIRST, I am a debt relief agent and help people file for relief under the U.S. Bankruptcy Code. I've done so for over 13 years - it will be 14 years on December 19, 2009 (please remember to send me flowers).

SECOND, nothing on this site is legal advice. Unless and until we both agree that I'm your lawyer, I'm not your lawyer.

THIRD, New York State may consider this an advertisement for legal services. I don't think it is. I think it's information, pure and simple.

FOURTH, I hate disclaimers. You probably do, too. I encourage you to complain to your Congressperson.