This website is designed for general information only.
We are a debt relief agency. We help people file for debt relief under the Bankruptcy Code.
The information in this website does not constitute legal advice or the formation of a lawyer/client relationship.
No representation is made that the quality of legal services to be prepared is greater than the quality of legal services performed by other lawyers.
The material on this website is provided for reference purposes only.
we are not your attorney until we have a firm agreement in place to represent you. Our office does this via a confirmed writing.
Laws and circumstances change often, so some of the information on this site may no longer be valid.
Call us at 904-877-1010 and schedule a free consultation before acting on any information here. We will provide you with the answers you need before filing bankruptcy.
11 U.S. Code § 528.Requirements for debt relief agencies
(a)A debt relief agency shall—
(1)not later than 5 business days after the first date on which such agency provides any bankruptcy assistance services to an assisted person, but prior to such assisted person’s petition under this title being filed, execute a written contract with such assisted person that explains clearly and conspicuously—
(A) the services such agency will provide to such assisted person;
and
(B)the fees or charges for such services, and the terms of payment;
(2)provide the assisted person with a copy of the fully executed and completed contract;
(3)clearly and conspicuously disclose in any advertisement of bankruptcy assistance services or of the benefits of bankruptcy directed to the general public (whether in general media, seminars or specific mailings, telephonic or electronic messages, or otherwise) that the services or benefits are with respect to bankruptcy relief under this title;
and
(4) clearly and conspicuously use the following statement in such advertisement: “We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.” or a substantially similar statement.
(b) (1)An advertisement of bankruptcy assistance services or of the benefits of bankruptcy directed to the general public includes—
(A)descriptions of bankruptcy assistance in connection with a chapter 13 plan whether or not chapter 13 is specifically mentioned in such advertisement;
and
(B)statements such as “federally supervised repayment plan” or “Federal debt restructuring help” or other similar statements that could lead a reasonable consumer to believe that debt counseling was being offered when in fact the services were directed to providing bankruptcy assistance with a chapter 13 plan or other form of bankruptcy relief under this title.
(2)An advertisement, directed to the general public, indicating that the debt relief agency provides assistance with respect to credit defaults, mortgage foreclosures, eviction proceedings, excessive debt, debt collection pressure, or inability to pay any consumer debt shall—(
A)disclose clearly and conspicuously in such advertisement that the assistance may involve bankruptcy relief under this title; and
(B)include the following statement: “We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.” or a substantially similar statement.
