PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY.

This agreement is made between you and USA Bk Associates (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. Please read our full privacy policy at Privacy Policy

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 documents required for the filing of a personal Chapter 7 bankruptcy as specified in the Federal Bankruptcy Rules. This is limited to one complete set of bankruptcy forms for one person or for a husband and wife. 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 prepare corporate services.

5 If you are filing chapter 13 bankruptcy, we will not prepare the repayment plan. We do however provide you free of charge and without obligation, a repayment plan form that you can fill out and file along with our forms. Because we will not prepare the chapter 13 plan, we will not support the plan or answer questions regarding the plan. If you purchase our chapter 7 services and wish to switch to chapter 13 you will be charged a conversion fee of no less than $99. If you purchase the chapter 13 service and wish to switch to chapter 7, you will be charge a conversion fee of no less than $59. To avoid paying a conversion fee, make certain which chapter you really want before ordering.

6. Though the Company does use great care to prepare professional quality court documents, it does not give legal advice or practice law. If you need legal advice, consult a licensed attorney in your locality.

7. The Company accepts various forms of payment for its services including credit cards and checks. If you pay by 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 $ uncollected funds charge.

8. You have 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.

9. 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.

10. 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.

11. 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.

12. 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.

13. Chapter 7 Guarantee: ALL SALES ARE FINAL except as provided for in the following guarantee. 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! Further, if you file all of the documents that we prepare and cooperate fully with the bankruptcy court towards having your debts discharged, we guarantee that the court will issue you a discharge order or we will refund the money that you paid us, except as noted below. Please note that this guarantee in no way implies that we are attorneys or have the power to influence the court's actions. We have never had our documents rejected by the court for our fault 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. (d) This guarantee is not applicable if the court rejects or dismisses your case for any reason not related to the information typed in the documents. In particular, we will not refund any money if your case is dismissed for your failing to appear for your hearing; for your failing to take the mandatory pre and post petition classes to the satisfaction of the court; for your not being eligible to file bankruptcy for any reason including a prior bankruptcy; or for your failing the means test. We do not guarantee to provide you any documents that you have not paid for as part of our service and that includes any other documents that we provide you for free. Please note that we do not guarantee that the information that you give to us will be error free or even that your own errors will not appear on your finished documents. Our guarantee is better than that. It gives you what you really want and that is, a discharge.

14. Chapter 13 Guarantee: ALL SALES ARE FINAL except as provided for in the following guarantee. 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! Chapter 13 is covered by the "crazy guarantee" 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 any other documents that we provide you for free. Please note that we do not guarantee that the information that you give to us will be error free or even that your own errors will not appear on your finished documents.

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.