Disclaimer

Every page of this site carries this notice:

This site is for informational and educational purposes only, is not legal advice, and does not create an attorney-client relationship. Client results are individual and do not guarantee a similar outcome. The law can change; confirm any point with my office before relying on it.

This page explains what that means.

Not Legal Advice

The information on this site is general education about bankruptcy and federal student loan discharge. It is not legal advice, because legal advice can come only from a lawyer who knows the facts of your case. Bankruptcy is highly fact-specific. The right answer depends on your income, your property, your debts, and your goals. Please do not act, or decide not to act, based on this site alone.

No Attorney-Client Relationship

Reading this site does not make you my client. Filling out the questionnaire, sending an email, or calling my office does not make you my client either. An attorney-client relationship begins only when we both sign a written engagement agreement. Even before you become a client, what you tell me in the questionnaire, by email, or by phone is protected by my professional duty of confidentiality, and I will not use or reveal it. Please still hold account numbers and your Social Security number until we have spoken.

Results Are Not Guaranteed

The client reviews on this site are the words of real clients. Some are shortened for length, and cuts are marked with ellipses. They describe those clients' experiences and outcomes. Every case is different, and past results do not guarantee a similar outcome in your case.

Licensed in Hawaiʻi

I am licensed to practice law in the State of Hawaiʻi and admitted to the U.S. District Court and U.S. Bankruptcy Court for the District of Hawaiʻi. This site describes federal bankruptcy law as it applies in Hawaiʻi. It is not directed at readers in other states, and I do not practice in other states.

Federal Debt Relief Agency Notice

We are a debt relief agency. We proudly help people file for bankruptcy under the U.S. Bankruptcy Code.

Accuracy and Currency

I review this site for legal accuracy, and each page shows the date it was last updated. Laws, dollar figures, and court procedures change. A page is current only as of its stated date, so confirm any point with my office before relying on it.

Links to Other Websites

This site links to a small number of other websites, such as mapping services, for your convenience. I do not control those sites, I am not responsible for their content, and a link is not an endorsement. When you leave this site, the other site’s own terms and privacy practices apply.

See also the site Privacy Policy and Terms of Use.

Last updated September 5, 2026.