Terms of Service

National Bankruptcy Advocates is an online directory and lead-generation platform that connects consumers seeking bankruptcy legal assistance with licensed bankruptcy attorneys. We are not a law firm, do not provide legal advice, and do not represent any party in any legal matter. Attorneys listed on the Site are independent legal professionals who are solely responsible for the legal services they provide.

You must be at least 18 years of age to use this Site. By using the Site, you represent and warrant that you meet this requirement. If you are using the Site on behalf of a law firm or other organization, you represent that you have authority to bind that entity to these Terms.

When you submit a lead inquiry form on the Site, you acknowledge and agree that:

• Your contact information and case details will be shared with one or more licensed bankruptcy attorneys on our platform;
• Submitting an inquiry does not create an attorney-client relationship;
• Attorneys may contact you by phone, email, or text message in response to your inquiry;
• We do not guarantee that any attorney will accept your case or respond to your inquiry;
• You are not obligated to retain any attorney who contacts you;
• You will not submit false, misleading, or fraudulent information.

All payments are processed through Stripe. By providing payment information, you authorize us to charge the applicable fees to your payment method. All fees are stated in U.S. dollars. We reserve the right to modify pricing with 30 days' notice. Refunds are issued at our sole discretion and only in cases of documented platform error.

All content on the Site — including text, graphics, logos, attorney directory data, and software — is owned by or licensed to National Bankruptcy Advocates and is protected by U.S. and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

Attorney profile information submitted by attorneys remains their property; by submitting it, you grant us a non-exclusive, royalty-free license to display and distribute it on the Site and in related marketing materials.

You agree not to:

• Use the Site for any unlawful purpose or in violation of these Terms;
• Submit false, misleading, or fraudulent information;
• Scrape, crawl, or systematically extract data from the Site without written permission;
• Interfere with or disrupt the Site's infrastructure or security;
• Impersonate any person or entity, including any attorney or National Bankruptcy Advocates employee;
• Use the Site to spam, harass, or contact consumers outside the scope of lead follow-up;
• Circumvent any access controls or attempt to gain unauthorized access to any portion of the Site.

THE SITE AND ALL CONTENT, SERVICES, AND FEATURES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that: (a) the Site will be uninterrupted or error-free; (b) leads will result in retained clients; (c) attorney information is current, complete, or accurate; or (d) the Site is free of viruses or other harmful components.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NATIONAL BANKRUPTCY ADVOCATES AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION — ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total aggregate liability to you for any claim arising out of or related to these Terms or the Site shall not exceed the greater of (a) the total fees you paid to us in the 12 months preceding the claim, or (b) $100.

You agree to indemnify, defend, and hold harmless National Bankruptcy Advocates and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Site; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) any legal services you provide or fail to provide to consumers.

The Site may contain links to third-party websites or services. We do not control and are not responsible for the content, privacy practices, or terms of those third parties. Links do not imply endorsement.

We reserve the right to suspend or terminate your account or access to the Site at any time, with or without cause, and with or without notice. Upon termination, your right to use the Site ceases immediately. Provisions of these Terms that by their nature should survive termination (including intellectual property, disclaimer of warranties, limitation of liability, and indemnification) shall survive.

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law provisions. Any dispute arising out of or related to these Terms or the Site shall be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, with proceedings conducted in English. You waive any right to a jury trial or to participate in a class action lawsuit or class-wide arbitration.

We may update these Terms at any time. When we do, we will revise the "Last updated" date. For material changes, we will provide at least 14 days' notice by email or a prominent Site notice. Your continued use of the Site after the effective date of any changes constitutes your acceptance of the revised Terms.

Questions about these Terms should be directed to: