The information contained in this Website is provided for informational purposes only, and should not be construed as legal advice on any subject matter. No recipients of content from this site, clients or otherwise, should act or refrain from acting on the basis of any content included in the site without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue from an attorney licensed in the recipient's state. The content of this Website contains general information and may not reflect current legal developments, verdicts or settlements. The Firm ("Howard Law") expressly disclaims all liability in respect to actions taken or not taken based on any or all the contents of this Website.

This Website is a public resource of general information concerning our firm. It is intended, but not promised or guaranteed, to be correct, complete, and up-to-date.

The Website is not intended to be a source of advertising, solicitation or legal advice.

PRIVACY STATEMENT

Any information sent to The Firm by Internet e-mail or through the Website is not secure and is done so on a non-confidential basis. Transmission of information from this Website does not create an attorney-client relationship between you and The Firm, nor is it intended to do so. The transmission of the Website, in part or in whole, and/or any communication with us via Internet e-mail through this site does not constitute or create an attorney-client relationship between us and any recipients. YOU SHOULD NOT SEND CONFIDENTIAL INFORMATION OR INFORMATION THAT YOU REGARD AS PRIVILEGED VIA THIS WEBSITE.

THIRD-PARTY LINKS

Some links within the Website may lead to other web-sites, including those operated and maintained by third parties. Links on the Website are not intended to be referrals or endorsements of the linked entities. The Firm includes these links solely as a convenience to you, and the presence of such a link does not imply a responsibility for the linked site or an endorsement of the linked site, its operator, or its contents.

NO WARRANTIES/LIMITATIONS OF LIABILITY

This Website and its contents are provided "AS IS" without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. The Firm changes, adds, updates or improves documents and information on this Website periodically and without notice. Furthermore, The Firm assumes no responsibility or liability for any errors, omissions, or mistakes regarding the content of this Website.

USE IN OTHER JURISDICTIONS OTHER THAN CALIFORNIA

The lawyers identified on the Website are licensed to practice law in the following states: California, Michigan and nowhere else. The Firm does not intend to represent anyone desiring representations in a state where this Website fails to comply with all laws and ethical rules of that state.

Furthermore, The Firm does not wish to represent anyone desiring representation based upon viewing this Website in a state where this Website fails to comply with all laws and ethical rules of that state. The Firm practices law only in jurisdictions in which it is properly authorized to do so by virtue of state licensing or the use of contracted referral counsel. This Firm does not seek to represent anyone in any jurisdiction where this Website does not comply or is in any way inconsistent with the rules governing communication of legal services in a particular state. The Firm is unwilling to assume the representation of clients from those states where the materials do not comply with State Bar requirements and where the client is generated as a result of that communication.

RESULTS

Results of prior successes do not guarantee a similar outcome. The result any one individual client obtains is unique to their specific facts and circumstances regarding their case. The Firm cannot guarantee any particular outcome. The results for clients' of The Firm vary. The Firm is not always successful in achieving the desired result even though The Firm uses best efforts to achieve the clients' goals.

RELATIONSHIP WITH MORGAN DREXEN, INC.

The Firm represents near-bankrupt consumers in settling debts with unsecured creditors. In order to operate efficiently and in a cost effective manner so as to service the maximum number of consumers at a discounted rate for the consumer, The Firm uses the outside services of Morgan Drexen, Inc. to provide administrative, IT, marketing, paralegal, and paraprofessional support services to The Firm in its representation. The employees of Morgan Drexen, Inc. are not attorneys nor do they practice law. Morgan Drexen, Inc. employees assist the attorneys of The Firm in its debt settlement practice by doing the following:

• managing all initial client intake,
• ascertaining potential clients' hardships (the threshold requirement for debt settlement services),
• verifying suitability for debt settlement services (available cash-flow from an income-stream, for example),
• determining each client's sustainable budget, obtaining paperwork to process enrolled debts,
• conferring with third party creditors on your behalf, docketing court filings and events, organizing, indexing, retrieving, and automatically alerting attorneys of The Firm to court events.

Anything that entails or constitutes the practice of law, including but not limited to, irrevocably transforming any clients' of The Firm rights, lack of rights, powers, etc.- exclusively are supervised by that client's attorney(s) in the state where the client resides. The staff at Morgan Drexen, Inc. will always identify themselves to you and third party creditors as employees of Morgan Drexen, Inc. and not as an employee of The Firm or any other law firm. Although The Firm uses the services of Morgan Drexen, Inc., The Firm does not abdicate control over the operation of its law office; The Firm is personally responsible for the supervision of the client trust account; The Firm does not split fees with Morgan Drexen, Inc., The Firm ensures proper maintenance of client files and records, and The Firm protects client confidentiality and does not relegate control of advertising to Morgan Drexen, Inc.

In the State of California, The Firm's utilization of the services provided by Morgan Drexen, Inc.- a non-lawyer controlled company- is ethically permissible so long as The Firm does not abdicate control over the operation of the law office, is personally responsible for the supervision of the client trust account, does not split fees with Morgan Drexen, Inc., ensures proper maintenance of client files and records, protects client confidentiality and does not relegate control of advertising to non-lawyer company. See Ethics Opinion No. 488: June 17, 1996. See also American Bar Association’s Standing Committee on Ethics and Professional Responsibility Formal Op. 08-451: Lawyer’s Obligations When Outsourcing Legal and Nonlegal Support Services.

IMMIGRATION LEGAL SERVICES (IN CALIFORNIA)

An active member of the State Bar or a person under the supervision of an active member of the State Bar provides all of The Firm's services relating to immigration and naturalization.
See California Business and Professions Code Section 6157.5(a) (2008).

TAX ADVICE

To ensure compliance with requirements imposed by the IRS in Circular 230, The Firm informs you (the user of this Website) that, unless expressly stated otherwise in this communication (including attachments and links), any tax advice contained in this communication is not intended or written to be used, and cannot be used, for the purpose of:

1. Avoiding penalties under the Internal Revenue Code or
2. promoting, marketing or recommending to another party any transaction or other matter addressed herein.

IRS Circular 230.