Terms of Service

Last Updated: January 13, 2026

Welcome to UsBankruptcy.net. By accessing and using this website, you accept and agree to be bound by the terms and conditions outlined below. If you do not agree to these terms, please do not use this website.

1. Acceptance of Terms

By accessing UsBankruptcy.net, you agree to comply with and be bound by these Terms of Service, our Privacy Policy, and all applicable laws and regulations. These terms apply to all visitors, users, and others who access or use the service.

2. Description of Service

UsBankruptcy.net provides educational information about bankruptcy law in the United States, including:

• General information about Chapter 7 and Chapter 13 bankruptcy
• Free calculators and tools for estimating bankruptcy eligibility
• State-specific bankruptcy information
• A glossary of bankruptcy terms
• Links to find qualified bankruptcy attorneys

3. Not Legal Advice

IMPORTANT: The information provided on UsBankruptcy.net is for general educational purposes only and does not constitute legal advice.

We are not a law firm and do not provide legal representation or advice. The information on this website:

• Should not be relied upon as a substitute for consultation with a qualified attorney
• May not reflect the most current legal developments
• May not be applicable to your specific situation
• Does not create an attorney-client relationship

For legal advice specific to your situation, you must consult with a licensed bankruptcy attorney in your jurisdiction.

4. Calculator and Tool Disclaimers

Our bankruptcy calculators and tools provide estimates only. The means test calculator, exemption calculator, and other tools:

• Are simplified versions of complex legal calculations
• May not include all factors relevant to your situation
• Should not be used as the sole basis for filing bankruptcy
• Do not guarantee results in actual bankruptcy proceedings

Official bankruptcy forms and calculations must be completed with the assistance of a qualified attorney or using official court forms.

5. Accuracy of Information

While we strive to provide accurate and current information, we make no representations or warranties regarding:

• The accuracy, completeness, or timeliness of information
• The results obtained from using our calculators or tools
• The availability or reliability of third-party links

Bankruptcy laws change frequently. Information on this website may become outdated. Always verify current laws with a qualified attorney.

6. No Attorney-Client Relationship

Use of this website does not create an attorney-client relationship between you and UsBankruptcy.net or any of its affiliates. Submitting information through our contact form or calculators does not create a confidential or privileged relationship.

7. Third-Party Links and Attorney Directory

This website may contain links to third-party websites, including bankruptcy attorneys and law firms. We do not:

• Endorse or recommend any specific attorney or law firm
• Guarantee the quality of services provided by linked attorneys
• Control the content of external websites
• Accept responsibility for services provided by third parties

Your use of third-party services is at your own risk. We recommend researching any attorney before hiring them.

8. User Conduct

You agree not to:

• Use the website for any unlawful purpose
• Attempt to gain unauthorized access to any portion of the website
• Interfere with or disrupt the website's operation
• Transmit viruses or malicious code
• Scrape, copy, or republish content without permission
• Use automated tools to access the website without authorization

9. Intellectual Property

All content on UsBankruptcy.net, including text, graphics, logos, and software, is the property of UsBankruptcy.net or its licensors and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from our content without written permission, except for personal, non-commercial use.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, USBANKRUPTCY.NET AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY:

• Direct, indirect, incidental, special, or consequential damages
• Loss of profits, data, or other intangible losses
• Damages resulting from use or inability to use the website
• Damages resulting from reliance on information provided
• Damages from unauthorized access to your data or transmissions

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so the above limitations may not apply to you.

11. Indemnification

You agree to indemnify and hold harmless UsBankruptcy.net and its affiliates from any claims, damages, losses, liabilities, and expenses (including attorney fees) arising from:

• Your violation of these Terms of Service
• Your violation of any rights of another party
• Your use or misuse of the website

12. Privacy

Your use of UsBankruptcy.net is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices regarding the collection and use of your information.

13. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after changes are posted constitutes acceptance of the modified terms.

We will update the "Last Updated" date at the top of this page when changes are made.

14. Disclaimer of Warranties

THE WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the website will be uninterrupted or error-free
• Warranties regarding the accuracy or reliability of information

15. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions.

16. Severability

If any provision of these Terms of Service is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining terms remain in full force and effect.

17. Contact Information

If you have questions about these Terms of Service, please contact us through our contact page.