Debt Relief Agency Disclosure
TDD is a debt relief agency.
We help people file for bankruptcy relief under the United States Bankruptcy Code.
Important Bankruptcy Information
Federal law requires us to provide the following disclosures:
- Bankruptcy is a legal process designed to help individuals eliminate or repay debts under the protection of the United States Bankruptcy Court.
- Bankruptcy information provided on this website is general in nature and is not intended to replace personalized legal advice.
- The choice to file bankruptcy should be made only after consulting with a qualified bankruptcy attorney regarding your specific financial situation.
Information You Must Provide
Before filing a bankruptcy case, federal law requires that you provide complete and accurate information, including but not limited to:
- A list of all creditors
- Income and employment information
- A list of assets and liabilities
- Monthly living expenses
- Recent financial transactions
Providing false, misleading, or incomplete information can result in:
- Dismissal of your bankruptcy case
- Denial of discharge
- Possible civil or criminal penalties
Required Credit Counseling
Federal law requires that individuals receive credit counseling from an approved credit counseling agency within 180 days before filing a bankruptcy petition.
You must also complete a financial management course after filing in order to receive a discharge.
No Guaranteed Results
Bankruptcy outcomes vary based on:
- Individual financial circumstances
- Type of bankruptcy filed (Chapter 7, Chapter 13, etc.)
- Compliance with federal and court requirements
TDD does not guarantee that bankruptcy will eliminate all debts or produce any specific result.
No Attorney-Client Relationship
Submitting information through this website, contact forms, or phone calls does not create an attorney-client relationship.
An attorney-client relationship is formed only after:
- A consultation
- Agreement to representation
- Execution of a written engagement agreement
Jurisdictional Disclosure
TDD attorneys are licensed to practice law only in jurisdictions where they are authorized. Bankruptcy laws may vary by jurisdiction, and services are offered only where permitted by law.
Confidentiality Notice
Do not submit confidential or time-sensitive information through this website unless you are an existing client. Information sent prior to establishing an attorney-client relationship may not be protected by attorney-client privilege.