Not legal advice
Bankruptcy Ease, its website, the Chapter 7 and Chapter 13 playbooks, and the AI Companion provide general legal information for educational purposes only. They are not legal advice, do not constitute the practice of law, and are not a substitute for advice from an attorney licensed in your jurisdiction.
Using the website or AI Companion, purchasing or reading a playbook, or communicating about an order does not create an attorney-client relationship.
No individualized guidance or outcome guarantee
The materials do not know the facts of your situation and cannot tell you whether you should file, which chapter is appropriate, what property you may keep, how a trustee or judge will act, or what outcome will occur. Results depend on facts, timing, applicable federal and state law, local rules, court orders, and third-party decisions.
Laws, figures, forms, and procedures change
Bankruptcy is governed by federal law but exemptions, procedures, local rules, and practical requirements vary by state and judicial district. Forms, filing fees, debt limits, exemption amounts, median-income figures, and procedures can change after publication. Confirm current requirements with official court and government sources before acting.
Deadlines require prompt attention
A lawsuit, garnishment, repossession, foreclosure, eviction, tax matter, or other legal process may involve a deadline. Do not delay action because you are reading a playbook. Seek qualified legal help promptly when rights, property, or deadlines are at risk.
AI limitations
The AI Companion supplies instructions, reference material, and templates to a compatible AI service. AI systems can misread scans, omit facts, calculate dates incorrectly, use outdated information, or produce confident but incorrect answers. A generated checklist, caption review, deadline, explanation, or draft is not court confirmation and must be checked against the actual case record, current official sources, and qualified legal advice where appropriate.
Not financial, tax, credit, or accounting advice
General discussion of debts, assets, taxes, credit reporting, repayment plans, or financial choices is not individualized financial, tax, credit, or accounting advice.
Accuracy and liability
Reasonable efforts are made to provide useful information, but no warranty is made that every statement is complete, current, or applicable to a particular situation. To the fullest extent permitted by law, Bankruptcy Ease and those associated with the materials are not liable for losses resulting from reliance on or inability to use the materials.
Third-party services
Links to courts, agencies, trustees, counselors, payment providers, legal-aid groups, or other third parties are provided for convenience. Bankruptcy Ease does not control their content, availability, policies, or services.