Terms and Conditions
These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website. You must be at least 18 years of age to use this website. By using this website and by agreeing to these terms and conditions you warrant and represent that you are at least 18 years of age.
License to use website
Unless otherwise stated, Lifetime Debt Solutions, LLC and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.
You must not: • republish material from this website (including republication on another website); • sell, rent or sub-license material from the website; • 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 for redistribution] • edit or otherwise modify any material on the website; or
Acceptable use 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. You 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. You 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 consent. You must not use this website for any purposes related to marketing without Lifetime Debt Solutions, LLC’s express written consent.
User content 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. You 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. Your 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). You 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. Lifetime 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 warrant that:
- this website will be constantly available, or available at all; or
- the information on this website is complete, true, accurate or non-misleading.
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.
Other parties 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.
Without 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.
Unenforceable provisions 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.
Indemnity 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 conditions.
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; or • 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 data.
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.
Variation 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 version.
Assignment 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. You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.Severability 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. Entire agreement 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 website. 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. This 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 fashion.
An 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, and
- 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.
You 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 advertisements. Persons already represented by counsel should inform us of such representation. This 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
As the 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:
Lifetime 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. Alabama Rules of Professional Conduct Rule 7.2(e) (1997).
The Alaska Bar Association does not accredit or endorse certifying organizations. Alaska 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. Florida Rules of Professional Conduct Rule 4-7.2(d) (1997).
There is no procedure for review or approval of specialist certification organizations in Hawaii. 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. 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 Iowa. Memberships 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 other lawyer. A 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. All 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. Free Background information is available upon request to a Mississippi attorney. The listing of any area of practice by a Mississippi attorney does not indicate any certification of expertise therein. 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 specialist designations. Missouri 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. Nevada 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 Association. 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 of law. 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. Rhode 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 their profiles. 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 Washington. 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. Wyoming Rules of Professional Conduct for Attorneys at Law Rule 7.4 (1997).