Terms of Use & Disclaimer
Informational purposes only
Every calculator on this site produces an estimate based on the numbers you enter and on general rules (such as IRS expense standards, USTP median income figures, or published statutes of limitations) that we've tried to keep current but cannot guarantee are complete, current, or correctly applied to your specific situation. Bankruptcy law, tax collection standards, and debt-collection statutes vary by state, change over time, and are applied differently depending on facts we don't ask for. Nothing on this site is legal, financial, tax, or credit counseling advice.
No attorney-client or advisory relationship
Using this site does not create an attorney-client relationship, financial advisory relationship, or any other professional relationship between you and the site operator. Before making a decision about debt settlement, bankruptcy, or any other course of action, consult a licensed attorney, a nonprofit credit counselor, or another qualified professional in your state.
No warranty
This site and its calculators are provided "as is" without warranties of any kind, express or implied, including but not limited to accuracy, completeness, or fitness for a particular purpose. Some figures used by these calculators (median income tables, IRS expense standards, statutes of limitations) are sourced from public government and legal-reference sources and may not reflect the most recent revisions, local court interpretations, or exceptions that apply to your case.
Limitation of liability
To the fullest extent permitted by law, the site operator is not liable for any decision made, or loss incurred, in reliance on any calculation, estimate, or content on this site.
No advertiser endorsement
This site may display third-party advertising. The presence of an advertisement does not imply our endorsement or recommendation of the advertiser, their products, or their services, and we don't select which specific ads are shown.
Governing law
[Governing jurisdiction to be added before launch].
Changes to these terms
We may update these terms as the site evolves. The "last updated" date above reflects the most recent change.