Form B19 Disclosure

From B19 Disclosure

Please read the following Disclosure. Please type your name to electronically sign you have read and understand the disclosure. <p>



DECLARATION AND SIGNATURE OF NON-ATTORNEY

BANKRUPTCY PETITION PREPARER (See 11 U.S.C. § 110)

I declare under penalty of perjury that: (1) I am a bankruptcy petition preparer as defined in 11 U.S.C. § 110; (2) I prepared the accompanying document(s) listed below for compensation and have provided the debtor with a copy of the document(s) and the attached notice as required by 11 U.S.C. §§ 110(b), 110(h), and 342(b); and (3) if rules or guidelines have been promulgated pursuant to 11 U.S.C. § 110(h) setting a maximum fee for services chargeable by bankruptcy petition preparers, I have given the debtor notice of the maximum amount before preparing any document for filing for a debtor or accepting any fee from the debtor, as required by that section.<p>

NOTICE TO DEBTOR BY NON-ATTORNEY BANKRUPTCY PETITION PREPARER

[Must be filed with any document(s) prepared by a bankruptcy petition preparer.]

I am a bankruptcy petition preparer. I am not an attorney and may not practice law or give

legal advice. Before preparing any document for filing as defined in § 110(a)(2) of the Bankruptcy

Code or accepting any fees, I am required by law to provide you with this notice concerning

bankruptcy petition preparers. Under the law, § 110 of the Bankruptcy Code (11 U.S.C. § 110), I am

forbidden to offer you any legal advice, including advice about any of the following:

• whether to file a petition under the Bankruptcy Code (11 U.S.C. § 101 et seq.);

• whether commencing a case under chapter 7, 11, 12, or 13 is appropriate;

• whether your debts will be eliminated or discharged in a case under the Bankruptcy Code;

• whether you will be able to retain your home, car, or other property after commencing a case under the Bankruptcy Code;

• the tax consequences of a case brought under the Bankruptcy Code;

• the dischargeability of tax claims;

• whether you may or should promise to repay debts to a creditor or enter into a reaffirmation agreement with a creditor to reaffirm a debt;

• how to characterize the nature of your interests in property or your debts; or

• bankruptcy procedures and rights. [The notice may provide additional examples of legal advice that a bankruptcy petition preparer is not authorized to give.] In addition, under 11 U.S.C. § 110(h), the Supreme Court or the Judicial Conference of the United States may promulgate rules or guidelines setting a maximum allowable fee chargeable by a bankruptcy petition preparer. As required by law, I have notified you of this maximum allowable fee, if any, before preparing any document for filing or accepting any fee from you.