This web site is an on-line legal information service provide by Michigan Attorney / Lawyers (MAL). Sending e-mail or electronic communication to Michigan-Attorney-Lawers.com does not establish an attorney-client relationship as Michigan-Attorney-Lawers.com and MAL are not law firms. No attorney-client relationship is created by the information provided here or by any consultation with our sponsoring law firm's attorneys or staff. By sending e-mail or information via the internet you are giving permission to Michigan-Attorney-Lawers.com to forward the imformation to a sponsoring attorney and have that attorney contact you directly via phone, email, or regular mail to discuss your financial situation. By clicking (I AGREE or Submit) you agree to the above and to the terms and conditions of our disclaimer.

MAL is not a law firm or a referral service. MAL is an advertising company who is paid by the attorneys 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 readers should not act on this information without seeking professional counsel. Reading the information at this web site cannot form an attorney-client relationship or a visitor-client relationship with us.. An attorney-client relationship with any of our sponsoring Attorneys is ONLY created after:

1. the attorney agrees to accept your case, and
2. you have entered into a signed written contract with our office, and
3. you have paid all agreed retainer fees to our firm.

In sum, an attorney-client relationship can only be established by mutual written consent between you and the attorney.

You should not act or rely on any information at this web site without seeking the advice of an attorney. The determination of whether you need legal services and your choice of an attorney 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. Sponsoring attorneys do not wish to be contacted by anyone who has retained an attorney to assist them in bankruptcy or any other legal matter.

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, 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 legal advice from a licensed attorney who can adequately assess your unique situation. For purposes of meeting the requirements of numerous states' Supreme Court Rules on ethics, the following additional disclosures are made:

• 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 Bankruptcy Specialists. Certain State Bar Associations require additional attorney disclaimers regarding certification as Bankruptcy Specialists. The following is a list of disclaimers:

Alabama
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).

Alaska
The Alaska Bar Association does not accredit or endorse certifying organizations.
Alaska Rules of Professional Conduct Rule 7.4(a)(2) (1998).

Florida
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).

Hawaii
There is no procedure for review or approval of specialist certification organizations in Hawaii.
Hawaii Rules of Professional Conduct Rule 7.4(c) (1997).

Illinois
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).

Iowa
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).

Michigan
If a Michigan 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 Michigan.
See Michigan Code of Professional Responsibility DR 2-105(B) (1997).

Mississippi
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).

Missouri
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).

Nevada
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).

New Jersey
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).

New Mexico
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).

Rhode Island
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).

Tennessee
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).

Texas
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).

Washington
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).

Wyoming
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).