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Site Overview and Legal Disclaimer

Use of this site in its entirety is subject to this site overview and legal disclaimer.

Site Overview

This site was originally authored and created by Rich Rafferty, a non-lawyer, proprietor of Rich’s Enterprises, LLC, Pratteville, Alabama.

Use of this site in its entirety is subject to this site overview and legal disclaimer.

Site Overview

This site is owned and “web-mastered” by AFC Legal Marketing, LLC. This company is not a law firm, though one or more of its principals is an attorney.

Accordingly, whereas all parties have endeavored to keep the information up-to-date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk and use of this site in its entirety is subject to this site overview and legal disclaimer.

Inquiries/submissions forwarded from this site may be submitted or referred to and services may be performed by attorneys who are independent lawyers and independent law firms. However, www.fair-debt-collection.com does not vouch for, recommend or make any representation, positive or negative, about any attorney learned from this site, including the attorneys to whom your inquiry is forwarded. Rather, the hiring of a lawyer is an important decision that should not be based solely upon advertisements such as this website. Before you decide, ask any lawyer you are considering, including any Firm learned from this Site, to send you free written information about their qualifications and experience.

Legal Disclaimer

The information contained in this website is for general information and advertising purposes only and is not to be considered legal advice nor does it substitute for the advice of an attorney. All legal questions and e-mails are forwarded to a consumer advocacy group for review by qualified and licensed attorneys, however transmission of the information is not intended to create, and receipt does not constitute, an attorney-client relationship. This site does not vouch for, recommend or make any representations, positive or negative, about the attorneys to whom your inquiry is forwarded. Rather, the hiring of a lawyer is an important decision that should not be based solely upon advertisements such as this website. Before you decide, ask any lawyer you are considering to send you free written information about their qualifications and experience.

Regarding the use of the term “Free” it is our understanding any Firm linked to such a listing offers representation at no out of pocket expense to you and/or on a contingency basis for certain claims or causes of action. However, this site cannot speak for any member Firm and you must create an agreed on attorney-client relationship with any such Firm.

As a convenience for our visitors, this website provides links to external or third party websites which are not under the control of this website. We are not responsible for the content or actions of any such website. Links taken to other sites are done so at your own risk and this website accepts no liability for any linked sites or their content. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

The information is provided by this website and whereas we endeavor to keep the information up-to-date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. Submission of information via our website form does not constitute any sort of attorney-client agreement and should not be construed as such. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

Every effort is made to keep the website up and running smoothly. However, this website takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

Alabama
No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.

Alabama Rules of Professional Conduct Rule 7.2(e) (2002).

Florida
The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. Florida Rules of Professional Conduct Rule 4-7.3(b) (2002).

Florida Rule of Professional Conduct 4-7.10(c) defines a group advertising program operated by an organization wherein the legal services advertisements utilize a common telephone number and potential clients are then referred only to lawyers or law firms participating in the group advertising program to be a lawyer referral service. By all other standards, we and the joint advertising ventures for which we are an agent are not lawyer referral services.

Hawaii
The supreme Court of Hawaii grants Hawaii certification only to lawyers in good standing who have successfully completed a specialty program accredited by the American Bar Association.

Hawaii Rules of Professional Conduct Rule 7.4(c) (2002).

Illinois
The Supreme Court of Illinois does not recognize certifications of specialties in the practice of law and that the certificate, award or recognition is not a requirement to practice law in Illinois.

Illinois Rules of Professional Conduct Rule 7.4(c)(2) (2002).

Iowa
The determination of the need for legal services and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements or self-proclaimed expertise. This disclosure is required by rule of the Supreme Court of Iowa.

Memberships and offices in legal fraternities and legal societies, technical and professional licenses, and memberships in scientific, technical and professional associations and societies of law or field of practice do not mean that a lawyer is a specialist or expert in a field of law, nor do they mean that such a lawyer is necessarily any more expert or competent than any other lawyer.

A description or indication of limitation of practice does not mean that any agency or board has certified such lawyer as a specialist or expert in an indicated field of law practice, nor does it mean that such lawyer is necessarily any more expert or competent than any other lawyer.

All potential clients are urged to make their own independent investigation and evaluation of any lawyer being considered. This notice is required by rule of the Supreme Court of Iowa.

See Iowa Code of Professional Responsibility DR 2-101(A), DR 2-101(C), DR 2-105(A)(3)(c) (1997).

Massachusetts
If a Massachusetts lawyer holds himself or herself out as “certified” in a particular service, field or area of law by a non-governmental body, the certifying organization is a private organization, whose standards for certification are not regulated by the Commonwealth of Massachusetts.

See Massachusetts Rules of Professional Conduct Rule 7.4(b) (2002).

Mississippi
The Mississippi Supreme Court advises that a decision on legal services is important and should not be based solely on advertisements. Free Background information is available upon request to a Mississippi attorney.

There is no procedure in Mississippi for approving certifying or designating organizations and authorities.

See Mississippi Rules of Professional Conduct Rule 7.4(a), Rule 7.6(a) (2002).

Missouri
The choice of a lawyer is an important decision and should not be based solely upon advertisements.

Neither the Supreme Court of Missouri nor the Missouri Bar reviews or approves certifying organizations or specialist designations.

Missouri Rules of Professional Conduct Rule 4-7.4 (2002).

Nevada
Neither the state bar of Nevada nor any agency of the State Bar has certified any lawyer identified here as a specialist or as an expert. Anyone considering a lawyer should independently investigate the lawyer’s credentials and ability.

Nevada Rules of Professional Conduct Rule 198 (2002).

New Jersey
Any certification as a specialist, or any certification in a field of practice, that does not state that such certification has been granted by the Supreme Court of New Jersey or by an organization that has been approved by the American Bar Association, indicates that the certifying organization has not been approved, or has been denied approval, by the Supreme Court of New Jersey and the American Bar Association.

See New Jersey Rules of Professional Conduct Rule 7.4(b) (2002).

New Mexico
LAWYER ADVERTISEMENT 16-701

Any certification by an organization other than the New Mexico Board of Legal Specialization does not constitute recognition by the New Mexico Board of Legal Specialization, unless the lawyer is also recognized by the board as a specialist in that area of law.

See New Mexico Rules of Professional Conduct Rule 16-704(D) (2002).

New York
Prior results do not guarantee a similar outcome.

Rhode Island
The Rhode Island Supreme Court licenses all lawyers in the general practice of law. The court does not license or certify any lawyer as an expert or specialist in any field of practice.

Rhode Island Rules of Professional Conduct Rule 7.4 (2002).

Tennessee
Certifications of Specialization are available to Tennessee lawyers in all areas of practice relating to or included in the areas of Civil Trial, Criminal Trial, Business Bankruptcy, Consumer Bankruptcy, Creditor’s Rights, Medical Malpractice, Legal Malpractice, Accounting Malpractice, Elder Law, Estate Planning and Family Law. Listing of related or included practice areas herein does not constitute or imply a representation of certification of specialization.

See Tennessee Code of Professional Responsibility DR 2-101(C)(3) (2002); Tennessee Formal Ethics Opinion 2001-F-144(b) (2001).

Texas
Unless otherwise indicated, Not Certified by the Texas Board of Legal Specialization.

See Texas Disciplinary Rules of Professional Conduct Rule 7.04(b)(3) (2002).

Washington
The Supreme Court of Washington does not recognize certification of specialties in the practice of law and that the certificate, award, or recognition is not a requirement to practice law in the State of Washington.

See Washington Rules of Professional Responsibility Rule 7.4(b)(3) (2002).

Wyoming
The Wyoming State Bar does not certify any lawyer as a specialist or expert. Anyone considering a lawyer should independently investigate the lawyer’s credentials and ability, and not rely upon advertisements or self-proclaimed expertise.

Wyoming Rules of Professional Conduct for Attorneys at Law Rule 7.2(g) (2002).

 

confidential informationThere may be instances where discussing your situation over a public forum could potentially compromise your interests. On these occasions we will contact you directly via email in order to answer your inquiry in a confidential manner.

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