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National Association of Consumer Bankruptcy Attorneys  

Attorney Edgar P Lombera

Legal Disclaimer

LEGAL DISCLAIMER - TERMS & CONDITIONS
PLEASE READ THE FOLLOWING TERMS OF SERVICES & LEGAL NOTICES (hereinafter "Agreement") CAREFULLY BEFORE USING THIS WEBSITE (the "Site" or "http://www.lomberalaw.com "). Any person accessing this Site to utilize any of the services it provides, including finding a professional, posting information or otherwise utilizing any of the features on this Site (collectively known as "Services") must accept the Terms and Conditions of this "Agreement" without change. These terms explain your (and our) rights under this Agreement and make disclosures as required by law. By using the Site, you give your assent to the terms of this Agreement. If you do not agree to these terms, you may not use this Site. Lomberalaw, PC a service of Edgar P. Lombera, Attorney at Law (hereinafter referred to as "LL ," "We," or "Our") a debt relief agency helping people file for bankruptcy under the bankruptcy code has the right, in our sole discretion, to modify, add or remove any terms or conditions of this Agreement without giving individual notice to you, by posting the changes on the Site. Your continuing use of the Site constitutes your acceptance of any such changes. Nothing in this website is to be construed as an offer for legal services. Legal services are only offered once our attorneys, or sponsoring attorney, has had an opportunity to review the specific facts of a case at a consultation and specifically indicates a willingness to take on the representation.

DISCLOSURES REQUIRED UNDER 11 U.S.C. §§ 527 AND 342
NOTICE #1: Notice Mandated by 11 U.S.C. §§342(b)(1) and 527(a)(1)
PURPOSE, BENEFITS AND COSTS OF BANKRUPTCY
Bankruptcy is a federal court proceeding that provides relief to people and businesses that are having financial difficulty. The relief comes in the form of an "automatic stay" which generally stops most collection proceedings and harassment from creditors. The cost of filing a bankruptcy consists of a filing fee which varies depending on the type of case you are filing (see below) and if you choose to hire a lawyer to represent you, the lawyer will likely charge you a fee for the representation. Additionally, there may be costs to obtain necessary information and documentation required by the bankruptcy code, bankruptcy rules and local rules.
The discussion here is meant only as a brief overview and no one should base their decision as to whether to file or not to file bankruptcy solely on this information. Bankruptcy is complex and a number of factors and considerations must be taken into account in making a determination to file or not. Anyone considering bankruptcy is encouraged to seek the advice and assistance of experienced counsel who practices bankruptcy.
WARNING:
11 U.S.C. §521(a)(1) of the Bankruptcy Code requires that you promptly file detailed information regarding your creditors, assets, liabilities, income, expenses and general financial condition. Your bankruptcy case may be dismissed if this information is not filed with the court within the time deadlines set by the Bankruptcy Code, the Bankruptcy Rules, and the local rules of the court.

NOTICE #2: Notice Mandated by 11 U.S.C. § 342(b)(2)
FRAUD & CONCEALMENT PROHIBITED
It is important that you understand the following:

  1. Some or all of the information you provide in connection with your bankruptcy case will be filed with the United States Bankruptcy Court in the appropriate jurisdiction on forms or documents that you will be required to sign and declare as true under penalty of perjury.
  2. A person who knowingly and fraudulently conceals assets or makes false oaths or statements under penalty of perjury in connection with a bankruptcy case shall be subject to fine, imprisonment, or both.
  3. All information you provide in connection with your bankruptcy case is subject to examination and audit by the Attorney General of the United States.

NOTICE #3: Notice Mandated by 11 U.S.C. § 527(a)(2)
MANDATORY DISCLOSURE TO CONSUMERS WHO ARE CONTEMPLATING FILING FOR BANKRUPTCY
PLEASE TAKE NOTICE THAT:

  1. All information that you are required to provide with the filing of your case and thereafter, while your case is pending, must be COMPLETE, ACCURATE, and TRUTHFUL.
  2. You must disclose ALL of your assets and liabilities! Further, you must identify the replacement value of each asset (as defined in the Bankruptcy Code, §506) must be stated in documents where requested after reasonable inquiry to establish the value. For most property used and acquired for personal, family, or household purposes, replacement value means the amount a retail merchant would charge for "used" property similar to what you own considering the age and condition of the property. Replacement cost does NOT mean the amount you would have to pay a retail merchant for a "new" item. For many cases involving used clothing, furniture, computers, etc… replacement cost may be "yard sale" value, or what the used item might sell for on eBay. With regard to antiques, jewelry or collectables, replacement value might be the retail value. For motor vehicles, replacement value would be the third party purchase value. For real estate, replacement value would be what the property would sell for at current market value. For cash and bank accounts it is the actual amount on deposit. For stocks and bonds, it is their market value as of the date your case is filed and the value is the cash value of what the stock could sell for in the market, or the amount a bond could be redeemed for at the time of filing.
  3. Before you file a case, you are subject to a "means test." The "means test" is a statutory test designed to determine whether or not you qualify to file a case under chapter 7 of the bankruptcy code, and if not, how much you need to pay to your unsecured creditors in a chapter 13 case. You must therefore state, after reasonable inquiry, your current monthly income, the amount of all expenses as specified in §707(b)(2), and, in a case under chapter 13 of this title, disposable income (determined in accordance with §707(b)(2), are required to be stated after reasonable inquiry.
  4. Any information you provide during the case may be audited pursuant to Title 11 of the United States Code and failure to provide information may result in dismissal of the case or other sanction, including criminal sanctions!

NOTICE #4: Notice Mandated by 11 U.S.C. § 527(b)
IMPORTANT INFORMATION ABOUT BANKRUPTCY ASSISTANCE SERVICES FROM AN ATTORNEY OR BANKRUPTCY PETITION PREPARER
If you decide to seek bankruptcy relief, you can represent yourself, you can hire an 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.
The following information helps you understand what must be done in a routine bankruptcy case to help you evaluate how much service you need. Although bankruptcy can be complex, many cases are routine.
Before filing a bankruptcy case, either you or your attorney should analyze your eligibility for different forms of debt relief available under the Bankruptcy Code and which form of relief is most likely to be beneficial for you. Be sure you understand the relief you can obtain and its limitations. To file a bankruptcy case, documents called a Petition, Schedules and Statement of Financial Affairs, as well as in some cases a Statement of Intention need to be prepared correctly and filed with the bankruptcy court. You will have to pay a filing fee to the bankruptcy court. Once your case starts, you will have to attend the required first meeting of creditors where you may be questioned by a court official called a 'trustee' and by creditors.
If you choose to file a chapter 7 case, you may be asked by a creditor to reaffirm a debt. You may want help deciding whether to do so. A creditor is not permitted to coerce you into reaffirming your debts.
If you choose to file a chapter 13 case in which you repay your creditors what you can afford over 3 to 5 years, you may also want help with preparing your chapter 13 plan and with the confirmation hearing on your plan which will be before a bankruptcy judge. If you select another type of relief under the Bankruptcy Code other than chapter 7 or chapter 13, you will want to find out what should be done from someone familiar with that type of relief.
Your bankruptcy case may also involve litigation. You are generally permitted to represent yourself in litigation in bankruptcy court, but only attorneys, not bankruptcy petition preparers, can give you legal advice.
[Statement contained in and required by 11 USC 527(b).]

ACKNOWLEDGEMENT OF RECEIPT
By using this Site and/or otherwise accepting this Agreement, user acknowledges that user received a copy or has been provided access to all of the following notices:

  1. Notice Mandated by 11 U.S.C. §§342(b)(1) and 527(a)(1)
  2. Notice Mandated by 11 U.S.C. § 342(b)(2)
  3. Notice Mandated by 11 U.S.C. § 527(a)(2)
  4. Notice Mandated by 11 U.S.C. § 527 (b)

AGREEMENT
1. Background
This Site is maintained by Lomberalaw, a law firm and debt relief agency. In addition, attorneys and/or law firms promoted through this web site are Debt Relief Agencies. They also help people file for relief under the Bankruptcy Code. LL attorneys are licensed in California. The Site is maintained by the law firm for three purposes. First, the Site is intended as a resource for clients. It is also meant to provide information to the public about bankruptcy, financial management and debt relief. Third, in addition to providing service to LL clients and educating the general public, the Site also provides users with the ability to submit information about their specific financial situation and request contact from either a LL attorney, or an unaffiliated sponsoring attorney (depending on geographic location since LL does not have offices in every geographic location) to discuss specifics of user's case and to possibly hire the attorney to represent user. The law firm does not endorse any of its sponsoring attorneys and makes no representations as to the advice given or as to the quality of the legal services offered by sponsoring attorneys.
While LL is a law firm, LL does not receive any portion of any unaffiliated sponsoring attorney's fees and any contracts for representation that you make with any of the unaffiliated sponsoring attorneys are strictly between you and the unaffiliated sponsoring lawyer and do not involve LL .
2. Purpose
The materials and information provided on this Site are for informational purposes only and may not reflect current legal developments or variations in the law of different jurisdictions. Nothing on this Site should be construed as legal advice or used as a substitute for legal advice. LL only provides legal advice to clients who actually meet with one of its attorneys in a consultation. The information on this Site does not necessarily reflect the opinions of the attorneys or law firms, their partners, clients or affiliates. The information on the Site is not guaranteed to be correct, complete or up to date. The Site is not intended to create an attorney-client relationship between you and LL nor between you and any of the unaffiliated sponsoring attorneys, their law firms, partners, employees, agents, or affiliates, or any other attorney associated with this Site. In addition, receipt of an e-mail from or a "post" to the Site does not create an attorney-client relationship.
YOU SHOULD NOT ACT OR RELY ON THE BASIS OF ANY INFORMATION ON THE SITE AS THE INFORMATION CONTAINED ON THIS SITE IS NOT A SUBSTITUTE FOR LEGAL ADVICE FROM AN ATTORNEY. YOU SHOULD SEEK AND RETAIN AN ATTORNEY AND GET SPECIFIC ADVICE ABOUT YOUR SITUATION!
3. Submission of Information
By submitting information to us, you agree that we may release your contact information and all information that may be submitted by you to unaffiliated sponsoring attorneys or we may use the information within our law firm relating to any and all current or future products and/or services. You further agree and understand that an attorney from LL or one of the unaffiliated sponsoring attorneys may contact you directly via telephone, electronic mail, "snail" mail, text message, or any other reasonable method should they have any interest in discussing your case with you, unless you request in writing your desire not to be contacted. Under no circumstances shall we be obligated to release any submitted information to our unaffiliated sponsoring attorneys or law firms, including contact names. The decision to release such information is within our sole discretion. Furthermore, no unaffiliated sponsoring attorney or law firm under any circumstance is obligated to contact you and it is within the attorney's or law firm's sole discretion whether or not to contact you.
By accepting the submission of your information, we do not offer any advice on whether you may have a valid defense to collection proceedings. If, after discussing your specific case with an unaffiliated sponsoring law firm, the attorney is willing to represent you in the specific matter you have presented to them, they will either present you with a retainer agreement in person or send you one in the mail that you will need to sign and return before they can represent you in that specific matter. If either the attorneys (or law firms) or you do not agree in writing to create an attorney-client relationship, none will exist. You are once again encouraged to seek and retain the advice of a duly licensed attorney in your state so as to meet all applicable deadlines that govern your bankruptcy case.
4. Privacy Policy
Please view our Privacy Policy. Our Privacy Policy is incorporated into these Terms and Conditions by reference. Any personal information you submit on this Site is subject to our Privacy Policy.
5. Participation in the Site
By submitting information to, reading from, participating with, or otherwise using this Site, you agree that you will abide by the following rules:
* The Site may only be used in good faith and may not be used to transmit or otherwise make available any false or misleading information or that you do not have a right to make available under any law, contract, or fiduciary relationship. Such information includes, but is not limited to inside information, proprietary information and confidential information learned or disclosed as part of an employment relationship or under nondisclosure agreements. You agree not to use this Site to threaten, abuse, harass or invade the rights of any person or entity, to infringe on any person or entity's intellectual property rights, or in any other way that could reasonably be deemed unethical, illegal or offensive.
* You agree not to misidentify yourself or impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity. For example, you agree not to pretend to be someone else or pretend to be from an entity you don't represent or that is fictitious.
* You will not post advertisements or promotional materials, solicit participants and/or visitors to this Site without the express written consent of LL . You further agree not to duplicate, copy, distribute, sell, resell or exploit for any commercial purposes any portion of this Site or its Services, use of the Site or its Services, or access to the Site or its Services without the express written consent of LL .
* You are prohibited from using any type of computer "worm," "virus," or any other device that is intended or is reasonably likely to disrupt, overload, or otherwise impair the Site, Web servers or any part of the Site from functioning for its intended purposes. If you violate this provision, the resulting damage will be difficult to quantify as a dollar amount and therefore you hereby agree to pay LL liquidated damages in the amount of $10,000 for each day that the Site is damaged until the Site is completely repaired. Such liquidated damage sum is calculated by estimating the value of the loss of goodwill caused by the inoperable state, and the time and money it will take to repair the Site and to address visitor concerns. We are required to use reasonable efforts to repair the Site as quickly as possible. This clause will not prohibit us from seeking additional compensation if your conduct injures us in a way not expressly contemplated in these Terms and Conditions.
* We are not responsible for any personal information provided on our Website that is mined by SPY WARE that may be present on your computer.
* Personal data about other users is protected by our Privacy Policy and you are not permitted to collect or store personal information or data about other users.
* Use of this Site is not permitted for purposes of "data mining" or extracting content from the Site beyond your own personal end use.
* Forging headers or otherwise manipulating identifiers in order to disguise the origin of any Content transmitted through the Site is strictly prohibited.
* You agree you will not use this Site or any of its contents to injure minors in any way.
* You agree that you shall not intentionally or unintentionally violate any applicable local, state, or federal, national or international law. Such laws include, but are not limited to, rules and regulations promulgated by the United States Securities and Exchange Commission, any rules of any national or other securities exchange, including, without limitation, the New York Stock Exchange, the American Stock Exchange, or the NASDAQ, and any regulations having the force of law.
* In the event you choose to submit information through the Site you agree that such information will be true, accurate, current and complete to the best of your knowledge. You further agree to update the information to keep it true, accurate and current. Should you provide untrue, inaccurate, outdated or incomplete information, we have the right to suspend or terminate, temporarily or permanently, your use of the Site or any part of the Site or its Services at our sole discretion.
* You understand and agree that all Content (Content consists of, but is not limited to the following: information, statistical data, text, software, music, sound, photographic, graphics, video, messages or other materials), whether publicly or privately transmitted by you or other users of the Site or the Service, are the sole responsibility of the person from which such Content originated. LL is not responsible for the Content you or any other user upload, post, email or otherwise transmit through this Site. LL does not control all of the content posted on this Site. You may be exposed to Content you find offensive, objectionable or indecent. LL under no circumstances is responsible or can be held liable in any way for any Content, or for any loss or damage of any kind incurred as a result of the use of any Content posted, emailed or otherwise transmitted through the Site.
* You acknowledge that LL may or may not pre-screen Content, but that we or our designees shall have the right in our sole discretion, without obligation, to pre-screen, refuse, or move any Content that is available through the Site. LL and our designees shall have the right, without obligation, to remove any Content that violates this Agreement or is otherwise objectionable, without limitation.
* You acknowledge that you are a party who can legally enter into a contract under applicable law. In other words, minors are not allowed to use the Services on this Site.
6. Identification of Sponsoring Attorneys and Law Firms
LL herein provides the identification of its Sponsoring Attorneys who it forwards any electronic information submitted on the Site for follow-up in jurisdictions where LL does not have an affiliated office. LL is in no other way affiliated with the sponsoring attorneys and law firms named here. LL does not have any relationship with, manage, control, or own in any way any of the sponsoring attorneys and law firms, other than as specifically provided herein. LL does not endorse, or make any representation as to the fees charged, the quality of the legal advice, nor the quality of the legal representation offered by any of its sponsoring attorneys.
7. Preservation of Intellectual Property Rights
This Site and any necessary software used in connection with this Site may contain proprietary and confidential information that is protected by applicable intellectual property and other laws. Except for the limited license LL is granting you pursuant to paragraph 7 below, nothing in these Terms and Conditions grants or should be construed to grant any licenses or rights in any way whatsoever including but not limited to, implied license, license by estoppel, intellectual property rights, or copyrights. You agree that all right, title and interest (including intellectual property rights, trademarks, copyrights, service marks, patents and any other intellectual property rights) in this Site and its content belongs to LL or our licensor's, as applicable. Nothing on this Site, including Content, graphics, or logos may be copied, photocopied, reproduced, translated, or reduced to any electronic medium or machine-readable form, in whole or in part, without the express written consent of LL . Except as authorized by express written consent, you agree not to modify, rent, lease, loan, sell, distribute, or create derivative works based on the Site or the software, in whole or in part.
8. Limited License and Permitted Use
User is hereby granted a limited, non-exclusive, nontransferable, revocable license to: 1) access and use the Site strictly in accordance with these Terms and Conditions; 2) use the Site solely for internal, personal, noncommercial purposes; and 3) print out information and search results from the Site for limited internal, personal, noncommercial purposes, provided that you maintain all copyright and comply with other notices contained herein.
9. Restrictions on Use
Your license to use this Site and its services are subject to the following additional restrictions on use. You may not (1) copy, print, republish, display, transmit, distribute, sell, rent, lease, offer in barter or exchange, loan or otherwise make available in any form by any means all or any portion of this Site including any information or materials retrieved (except as authorized pursuant to paragraph 7, above); (2) remove, change, modify, or obscure any copyright notice or other proprietary notice or terms of use contained herein; (3) remove, disable, defeat or change any functionality or appearance of consent; (4) use the Site or any of the materials in any manner that may infringe any copyright, intellectual property right, proprietary right, or property right of LL or any third parties; (5) use the Site or its materials as a component of or to develop an information and retrieval system, database, InfoBase, or similar information resource in any media now existing or hereafter developed, that is offered for commercial distribution of any kind, including through sale, license, lease, rental, subscription, or any other commercial distribution mechanism; (6) create compilations or derivative works of the Site or any other materials from the Site; (7) make any portion of the Site available through any timesharing system, service bureau, the Internet, or any other technology now existing or developed in the future, without our express written consent; (8) decompile, disassemble or reverse engineer any Site software or use any network monitoring or discovery software to determine the architecture of the Site; (9) use the Site for the purpose of gathering information for or transmitting unsolicited commercial email, email that makes use of LL name or trademarks, including in connection with invalid or forged headers and footers, domain names, or other means of deceptive addressing; and unsolicited telephone calls or facsimile transmissions; (10) use any automatic or manual process of gathering information for or transmitting unsolicited commercial email; (11) export or re-export the Site or any portion thereof or any software available on the Site in violation of the export control laws and regulations of the United States of America; and (12) use the Site in a manner that violates any state or federal law regulating commercial email, facsimile transmissions or telephone solicitations.
10. Modifications to the Site
We reserve the right to modify or discontinue, temporarily or permanently, the Site (or any part of it) with or without notice at any time. In the event of modification or termination, all information submitted by you and others may be lost. You agree to keep a permanent record of all information provided to us, and you agree that all information submitted to us is at your sole risk. You agree that we have no responsibility or liability for the deletion or failure to store any Content maintained or transmitted by the Site including messages or other communication, without limitation or exception. You agree that we shall not be liable to you, your heirs and assigns, or to any third party for any modification, suspension or discontinuance of the Service.
11. No Solicitation
You agree not to distribute on or through this Site, or to any persons or entities identified in this Site, any advertising or solicitation content of any kind without our express written consent.
12. No Liability for "Hyperlinks"
This Site may from time to time contain, but is not obligated to provide, "hyperlinks" to websites neither owned nor controlled by LL . LL is not responsible for and makes no representations or endorsements regarding these other "hyperlinked" sites, unless specifically noted. By providing "hyperlinks," LL does not intend to state or imply that we sponsor, are affiliated with, or are legally authorized to use any trade name, registered trademark, service mark, logo, legal or official seal, or copyrighted symbol that may be reflected in the "hyperlink."
13. No Liability for Third-Party Content
This Site from time to time may contain content provided by third-parties or content provided by third-parties may be accessible through our Site via "hyperlinks." LL shall not be responsible for and does not assume any liability for any mistakes, misstatements of law, defamation, omissions, falsehoods, obscenities, pornography or profanity in the statements, opinions, representations or any other form of content contained in any third-party content appearing on our Site. You understand and agree that the information and opinions in the third-party content represent solely the thoughts of the author and is neither endorsed by or necessarily reflects the beliefs of LL .
14. No Liability for Errors and Corrections
LL does not warrant or represent that this Site will be error-free or free from viruses or other harmful elements, or that any such defects will be corrected. We do not warrant that the information provided on this Site will be correct, accurate, timely or otherwise reliable. We may make improvements and/or changes to its features, function, or content of the Site at any time without notice. LL is not obligated, under any circumstances, to make such improvements or changes to this Site. LL shall not be liable for any such errors or defects in any event.
15. Indemnification
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16. No Liability for Business Dealings with Advertisers
User assumes the risk of any and all correspondence or business dealings with, or participation in promotions of, advertisers found on this Site, including, but not limited to, payment and delivery of goods and services, and any other terms, conditions, warranties or representations associated with such dealings. Such transactions are exclusively dealings between user and the advertiser and user agrees that LL shall not be responsible or liable in any way for any loss or damage of any kind incurred as the result of any such dealings or as the result of the presence of the advertisers on this Site.
17. Disclaimer of Warranties
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
YOUR USE OF THE SITE IS AT YOUR SOLE RISK. ALL CONTENT AND SERVICES ON THE SITE IS PROVIDED SOLELY ON AN "AS-IS/AS-AVAILABLE" BASIS. TO THE EXTENT PERMITTED BY APPLICABLE LAW, LL EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE OR USE AND NON-INFRINGEMENT.
WITHOUT LIMITING THE ABOVE PARAGRAPH, LL MAKES NO REPRESENTATION OR WARRANTY THAT (i) THE CONTENT AND SERVICE OF THIS SITE OR ANY OF ITS SPONSORS WILL MEET YOUR REQUIREMENTS, (ii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS SITE OR FROM THE INFORMATION PROVIDED ON THIS SITE WHETHER FROM LL OR FROM A SPONSORING ATTORNEY WILL BE ACCURATE OR RELIABLE, (iii) THE CONTENT AND SERVICE OF THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE IS ACCURATE OR WILL MEET YOUR EXPECTATIONS. LL DOES NOT GUARANTY THE ACCURACY OR COMPLETENESS OF ANY CONTENT OR SERVICES AND LL DOES NOT GUARANTY THE SERVICES OR MATERIALS ASSOCIATED WITH THE SITE INCLUDING THE QUALITY OF THE LEGAL ADVICE OR THE QUALITY OF THE LEGAL SERVICES PROVIDED BY A SPONSORING ATTORNEY WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY SERVICE OR GOOD SERVICE WILL CONTINUE TO BE AVAILABLE.
ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THIS SITE IS DONE AT YOUR OWN RISK AND DISCRETION AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.
NO WRITTEN OR ORAL INFORMATION OBTAINED BY YOU FROM US OR THROUGH US OR FROM THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS AND CONDITIONS.
18. Limitation of Liability
YOU EXPRESSLY AGREE AND UNDERSTAND THAT LL SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF REVENUES, PROFITS, GOODWILL, DATA, USE, FAILURE TO REALIZE EXPECTED SAVINGS, OR OTHER INTANGIBLE LOSSES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM: (i) THE COST OR PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, SERVICES, MATERIALS, OR INFORMATION PURCHASED OR OBTAINED, MESSAGES RECEIVED, OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SITE; (ii) THE USE OR INABILITY TO USE THE SITE; (iii) STATEMENTS OR CONDUCT OF THIRD PARTIES ON THE SITE; (iv) YOUR FAILURE TO RECEIVE ANY THIRD PARTY SERVICES OR PRODUCTS REQUESTED THROUGH THE SITE; (v) INVALID DESTINATIONS, TRANSMISSIONS ERRORS, OR UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OF DATA; (vi) ANY OTHER MATTER RELATING TO THE SITE. IN NO EVENT ARE WE LIABLE TO YOU FOR AN AMOUNT IN EXCESS OF THE AMOUNT PAID BY YOU TO US FOR ANY SERVICES IN QUESTION, IF ANY.
19. Exclusions and Limitations
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. THEREFORE, SOME OF THE ABOVE LIMITATIONS OF SECTIONS 17 AND 18 MAY NOT APPLY TO YOU.
20. Termination of License and Use
User agrees that by using this Site user does not acquire any rights to the Site other than the limited license to use this Site as provided in paragraph 7 that can be terminated in accordance with this section. User agrees that LL in our sole discretion may terminate your password, account or any part of your account, or use of this Site for any reason, including but not limited to and without limitation, non-payment, lack of user's use, or if we believe that you have violated these terms and conditions or have acted inconsistently with the letter or spirit of this agreement. User agrees further that LL may remove and discard any Content on this Site without notice and for any reason within the sole discretion of LL . LL may also in our sole discretion and at any time discontinue providing the Site, or any part thereof, with or without notice.
User agrees that any termination of your access to the Site under any provision of this agreement may be effected without prior notice and user further acknowledges, understands and agrees that LL may immediately deactivate or delete your account and all related Content information and files in your account and/or bar any further access to such files or the Site. User also agrees that LL shall not be liable to you or any third-party for any termination of your access to this Site.
21. Attorney Advertising Disclosures
This Site may be considered to be an ADVERTISEMENT or may contain ADVERTISING MATERIAL or LAWYER ADVERTISEMENTS. Some state court jurisdictions may consider this Site itself to be a form of advertising for legal services. Advertising for legal services in some states may require specific disclosures. User agrees that user has read the following disclosures carefully, especially the disclosures that apply to user's state of residence.
THIS IS AN ADVERTISEMENT. Hiring a lawyer is an important process that should not be based solely on any advertisement. Anyone considering a lawyer should independently investigate the lawyer's credentials and ability and should not rely upon advertisements or self-proclaimed expertise. LL provides biographical statements about its own attorneys with the aim of aiding the user in gathering factual data the user can use to investigate LL 's lawyers' credentials.
TRADE NAMES
The firm of Edgar P. Lombera operates under the trade name Lomberalaw, P.C. in those states where trade names are permitted.  It does not use its trade name to advertise or do business in any state other than California. As Edgar P. Lombera is a state of California law firm, its advertising and website are viewed in every state by consumers. It specifically does not intend the use of a trade name on a national basis to be deceptive or confusing to potential clients in any particular state.
BACKGROUND INFORMATION IS AVAILABLE UPON REQUEST
Before user decides to hire any of LL 's attorneys, user should ask attorneys to provide free written information about their qualifications and experience. Additional information about particular attorneys is also available by contacting the Bar Association in the State in which the lawyer or law firm is licensed. LL provides background information on its attorneys upon request.

 

California
Please note that Lomberalaw - Bankruptcies, PC is a private law firm and is not affiliated with any government agency. Lomberalaw - Bankruptcies, PC does not receive any funding from any government or not-for-profit foundation.
22. Entire Agreement
These Terms and Conditions constitute the entire agreement between LL and User and govern the use of this Site superseding any prior agreements between User and LL . User may also be subject to additional terms and conditions that may apply when User uses or purchases certain other services, affiliate services, third-party content, third-party software or materials found on any "hyperlinks."
23. Choice of Forum
Any disputes arising out of or related to use of this Site, this agreement, and/or the relationship between User and LL shall be submitted for resolution to arbitration in San Bernardino, California in accordance with the rules and procedures of the American Arbitration Association.
24. Statute of Limitations
User agrees that regardless of any statute or law to the contrary, any claim or cause of action, or dispute arising out of or related to the use of this Site, this agreement and/or the relationship between User and LL must be filed within one (1) year after such claim, cause of action, or dispute arose or such claim, dispute or cause of action shall be forever barred.
25. Waiver and Severability of Terms
Should LL fail to enforce or exercise any of its rights or provisions of this Terms and Conditions shall not constitute a waiver of such rights or provisions. If any provision of this Terms and Conditions is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision and the other provisions of this Terms and Conditions shall remain in full force and effect.
The section titles and headings in this Terms and Conditions are for convenience and organizational purposes only and have no legal or contractual effect.

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