Required Disclosures pursuant to the Bankruptcy Code

REQUIRED DISCLOSURE PURSUANT TO 11 U.S.C. § 527(a)(2)

All information that you are required to provide with a bankruptcy petition and thereafter during a bankruptcy case is required to be complete, accurate and truthful.

All of your assets and liabilities are required to be completely and accurately disclosed in the documents filed to commence your case, and the replacement value of each asset must be stated in those documents where requested after reasonable inquiry to establish such value.

Your current monthly income, monthly expenses, and in a case under Chapter 13, disposable monthly income are required to be stated after reasonable inquiry.

Information that you provide during your case may be audited and failure to provide requested information may result in the dismissal of your case or other sanction including a criminal sanction.

REQUIRED DISCLOSURE PURSUANT TO 11 U.S.C. § 527(b)

IMPORTANT INFORMATION ABOUT BANKRUPTCY ASSISTANCE SERVICES FROM A BANKRUPTCY ATTORNEY OR BANKRUPTCY PETITION PREPARER.

If you decide to seek bankruptcy relief, you can represent yourself, you can hire a bankruptcy attorney to represent you, or you can get help in some localities from a bankruptcy petition preparer who is not an attorney. THE LAW REQUIRES AN ATTORNEY OR BANKRUPTCY PETITION PREPARER TO GIVE YOU A WRITTEN CONTRACT SPECIFYING WHAT THE ATTORNEY OR BANKRUPTCY PETITION PREPARER WILL DO FOR YOU AND HOW MUCH IT WILL COST. Ask to see the contract before you hire anyone.