USE OF THIS WEBSITE IS SUBJECT TO VARIOUS RESTRICTIONS AND LIMITATIONS.  BY USING THIS WEBSITE, THE USER CONSENTS TO ALL TERMS AS SET FORTH BELOW. 

· "User" is any person or entity that views, reads, or otherwise uses this website intentionally or unintentionally. 

· Nothing within this website shall be construed to create an attorney-client relationship. In order to create an attorney-client relationship with the Law Office of Dawn Papaeliou, Esq. (herein after "Firm"), users and the Firm must enter into a written Retainer Agreement supplied by the Firm.

· Individuals contemplating filing for bankruptcy should consult an attorney directly for an individual bankruptcy analysis.  The United States Bankruptcy Code is extremely complicated and may apply differently depending on individual fact patterns.  Only a competent bankruptcy attorney can properly advise an individual about the possible pitfalls, benefits, and consequences of filing for bankruptcy relief based on the specifics of that individual's case.

· Users shall not rely on the supplied information without conducting their own due diligence and sufficient research to verify this information.   Users who file for bankruptcy relief must comply with all applicable provisions of the United States Bankruptcy Code. 

· This website is for educational purposes only.  The information within this website is not necessarily complete and may not be applicable to all individuals or businesses. The information is subject to change without further notice.

· User releases the Firm of any and all damages resulting from User's use of this website.  The Firm shall not be liable and/or responsible in any way for use of this website in violation of the Terms of Use.

IF YOU DISAGREE WITH ANY TERMS OF THIS TERMS OF USE POLICY, EXIT THIS WEBSITE IMMEDIATELY AND DO NOT USE ANY INFORMATION FOUND WITHIN FOR ANY PURPOSE WHATSOEVER.