An Important Message to the Readers:
This free ebook provides information and general advice about the law from the knowledge and
viewpoint of a bankruptcy paralegal. However, laws and procedures change frequently, and
they can be interpreted differently by different people. For specific advice geared to your particular
financial situation, consult an expert. No book, software, or other published material is a
substitute for personalized advice from a knowledgeable attorney licensed to practice law in
your state.
Written and Published by Victoria Ring, Bankruptcy Paralegal
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