PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. THEY GOVERN YOUR USE OF THIS WEBSITE. BY USING THIS WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS, AS THEY MAY BE MODIFIED BY THE COMPANY FROM TIME-TO-TIME AND POSTED ON THIS WEBSITE. THIS AGREEMENT APPLIES TO CHAPTER 13 BANKRUPTCY SERVICES ONLY.

This agreement is made between you and Bridgeport Bankruptcy Company (The Company, We, Us) and specifies the conditions under which you may use this site and the document preparation services of the Company.

1. Copyrights and Other Intellectual Property. Except as otherwise noted in this Website, all information, documentation and other content posted in this Website (collectively, the "Information") is the property of The Company and its affiliated companies. Without limiting the foregoing, the graphics, icons and overall appearance of this Website are the property of The Company. The posting of Information does not constitute a waiver of any of The Company's proprietary rights in or related to such Information (such as, but not limited to, patents, copyrights and trademarks) or a transfer of any such rights to you or any third party. The Information is protected by domestic and international copyright laws, both as individual works and as a collection. You agree not to delete any copyright or similar notice from any Information. You may not sell or republish, or copy for other than your own individual use, the Information or any portion thereof without the prior written consent of The Company. Our privacy policy is simple. We never share your information with anyone but you. It is only used to prepare your documents.

2. No Warranties; Limitation of Liability. Although The Company attempts to provide useful Information on its web site, Except as noted in the money-back guarantee below, The Company does not guarantee that the Information is accurate, current or suitable for any particular purpose. The Company assumes no obligation to update or continue to post the Information. The Company does not guarantee that access to this Website will be uninterrupted, that this Website will be free of viruses or that this Website cannot be tampered with by third parties. The Company does not guarantee that information sent to this Website will not be obtained, reviewed, disclosed or tampered with by third parties, whether or not measures are taken to secure such information. THIS WEBSITE, THE INFORMATION AND ANY SOFTWARE RELATED THERETO ARE PROVIDED ON AN "AS IS" BASIS, WITH NO WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY OR ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. USE OF THIS WEBSITE, THE INFORMATION AND SUCH SOFTWARE IS AT THE USER'S SOLE RISK. IN NO EVENT WILL The Company BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF OR RELATED TO THIS WEBSITE (INCLUDING, BUT NOT LIMITED TO ANY SOFTWARE RELATED THERETO), ANY WEBSITE OPERATED BY A THIRD PARTY OR ANY INFORMATION CONTAINED IN THIS WEBSITE OR ANY OTHER WEBSITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, EVEN IF The Company IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

3. THE MATERIALS INCLUDED IN THE SITE ARE FOR GENERAL INFORMATION PURPOSES ONLY AND DO NOT CONSTITUTE LEGAL ADVICE. THEY ARE NOT INTENDED TO BE A SUBSTITUTE FOR OBTAINING LEGAL ADVICE FROM LEGAL COUNSEL. ALL ARTICLES AND MATERIAL DISPLAYED BY US ON THE SITE ARE FOR INFORMATION ONLY, ARE NO SUBSTITUTE FOR SPECIFIC ADVICE, AND ARE IN NO MANNER TO BE CONSIDERED LEGAL ADVICE OR OTHER LICENSED PROFESSIONAL ADVICE OR A SUBSTITUTE THEREFOR. THE COMPANY DOES NOT REPRESENT OR ENDORSE THE ACCURACY OR RELIABILITY OF ANY ADVICE, OPINION, STATEMENT, OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE UPON ANY SUCH MATERIALS, OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK. THE COMPANY RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE SITE.

4. The company will prepare all of the official federal documents required for the filing of a personal Chapter 13 bankruptcy as specified in the Federal Bankruptcy Rules. These include the Petition, all of the schedules, the statement of intention, the statement of financial affairs and the creditor mailing matrix. The Company at its sole discretion and without obligation does provide for free various additional documents beyond the officially prescribe ones such as reaffirmation agreements and local forms. We do not provide Chapter 7 services under this agreement nor do we prepare corporate bankruptcies. If you are interested in a chapter 7 bankruptcy, go to the chapter 7 order page and click on the agreement link. If you order our services under this agreement intending to use it for a corporate bankruptcy or for a chapter 7 we will not issue any refund. If you order a chapter 13 bankruptcy for any reason, whether it be in error or deliberately, and you wish to switch your account to that for a chapter 7, we will charge a fee of no less than $59 to make the change. In such a case, our chapter 7 terms of service agreement will apply. Read that agreement before requesting the conversion.

5. As mentioned earlier, we will prepare all of the official federal chapter 13 bankruptcy forms required for initial filing and they are limited to the petition, all the schedules, the statement of intention, statement of financial affairs, the creditor matrix and Form b22b. These are the forms required nationwide for the filing of Chapter 13 bankruptcy. Specifically, we do not prepare the chapter 13 Plan. The Plan is a short document usually 1 to 3 pages, wherein you propose to the court the manner in which you intend to repay the creditors. You are allowed to file the plan within 15 days of the commencement of your case. This means that you can file the regular federal bankruptcy forms first and then file the plan within 15 days of that. There is no standard nationwide form for the Plan. Each court decides how to handle the plan and for most courts, there is no prescribed local form. Most attorneys usually draft a plan ad hoc in the absence of a local form. For your convenience, we provide you free of charge, at our sole discretion and without obligation, local Plan forms downloaded from the courts that prescribe plan forms and one or more generic plan forms. These plan forms are provided AS-IS for your optional use in preparing the chapter 13 repayment Plan. These Plan related forms are presented to you without warranty and are not guaranteed to be current, accurate or adequate for your needs. I other words, we do not guarantee the validity, accuracy or court acceptance of the chapter 13 plan forms that we make available to you free of charge. If the plan template is outdated, it is your responsibility to get he current version from your court. We recommend that you check with other sources such as your local bankruptcy court for more up-to-date plan forms. (Filling out the plan form is easy. The plan forms contain mostly preprinted court notices and instructions and the substantive parts are sparse and can be filled in by hand. For most people it is simply a matter of entering the duration of the plan. 3 years or 5 years, that plan payment amount and selecting which creditors get paid. We provide free of charge extensive resources on the paid site on the plan including actual plans that attorneys have filed for their clients.)

6. We provide email support for all the documents that we prepare but we do not provide support for the Plan or for anything that you did not hire us for. Note that our fee is for only the documents that we prepare and does not cover the Plan or any local forms used only in a specific local court. Any Plan forms and Plan resources that we provide are provided free of charge and as is. Because we do not prepare the Plan or charge you a fee for any Plan related forms, we do not support the Plan or answer questions regarding it. We will not answer any customer service support requests for assistance with preparing the Plan or dealing with the subject of the Plan.

7. Though the Company does use great care to prepare professional quality court documents, it does not give legal advice or practice law. Since your documents are prepared full service by us, this is usually not an issue for most customers, but if you need legal advice, consult a licensed attorney in your locality.

8. The Company accepts various forms of payment for its services including credit cards and checks. If you pay be check, the company reserves the right to withhold delivery of its services until the check has cleared and for no less than seven business days. If a check is dishonored by the bank or if a payment becomes bad such is in the case of credit card disputes, The Company will charge your account a $25 uncollected funds charge.

9. You have 20 days from the date of ordering our services to complete giving us your information and authorizing The Company to prepare your documents. After said number of days, you will be accessed an additional charge for to extend the period.

10. At any time prior to you giving the Company the final authorization to prepare your documents, you may enter as many creditors as you wish and you may make as many changes to your information. While other companies charge for each creditor, The Company allows you to submit an unlimited number of creditors without any extra charge. We will also accept any number of property listings so that you don't nave to worry about being charged extra.

11. If you need to file a bankruptcy jointly with your spouse, there is no extra charge for the spouse. While you would in essence be doubling the amount of work for us, you only pay for one spouse and the other is free.

12. If the bankruptcy court requires the creditor address list on a diskette, we give it to you formatted for easy copying to diskette. There is never an extra charge for this.

13. You will not need to contact the creditors or to send them letters. We see to it that your bankruptcy documents contain the appropriate creditor mailing matrix that the court clerks will need to send the notices for you.

14. Guarantee and Refund Policy: Except as specified in our guaranteed herein, all sales are final. We will not refund any fees paid to us simply because you have changed your mind or have hired an attorney instead. We issue refunds only as per the terms of this paragraph. We guarantee that your official bankruptcy documents (listed in Paragraph 4 above) will be accepted for filing by the court clerk or your money back! This guarantee does not apply to the chapter 13 Plan, which is discussed in the above paragraphs. We have not had our documents rejected by the court but it can happen under certain circumstances. The court can reject your documents if after we prepare them, you do not file them for many months and the forms become obsolete. They can also reject them if you mutilate or destroy some or all of them before filing. In order to avoid frivolous refund requests, we require that you do the following before asking for a refund. (a) You must file all of the documents that we give to you and not to omit any of them. (b) You must send us the written rejection notice that the court clerk will give you in such an event. (c) If the court clerk informs you that a document is missing or invalid, you will notify us and allow us to replace the document if it is one of the documents that you have paid us for. We do not guarantee to provide you any documents that you have not paid for as part of our service and that includes reaffirmation agreements, the plan, local forms and any other documents that we provide you for free. Merely changing your mind about bankruptcy or about using our services will not entitle you to a refund.

15. THESE TERMS OF USE CONTAIN THE ENTIRE UNDERSTANDING BETWEEN US WITH RESPECT OF THE SITE AND NO REPRESENTATION, STATEMENT, INDUCEMENT ORAL OR WRITTEN, NOT CONTAINED HEREIN SHALL BIND EITHER OF US. THE COMPANY RESERVES THE RIGHT, AT ITS SOLE DISCRETION, TO CHANGE, MODIFY, ADD OR REMOVE ANY PORTION OF THESE TERMS OF USE, IN WHOLE OR IN PART, AT ANY TIME. NOTIFICATION OF CHANGES IN THESE TERMS OF USE WILL BE POSTED ON THE SITE.