Disclosures Required by 11 USC 527

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

All assets and all liabilities are required to be completely and accurately disclosed in the documents filed to commence the case, and the replacement value of each asset as defined Section 506 must be stated in those documents where requested after reasonable inquiry to establish such value;

Current monthly income, the amounts specified in Section 707(b)(2), and in a case under Chapter 13 of this title, disposable income (determined in accordance with Section 707(b)(2)), are required to be stated after reasonable inquiry; and

 Information that you provide during your case may be audited pursuant to this title, and that failure to provide such information may result in dismissal of the case under bankruptcy law or other sanction, including criminal sanctions.

The purpose of this Notice and The Statement Mandated by Section 527(b) of the Bankruptcy Code, which you have been provided as a separate document are to make you aware of some of your obligation should you file bankruptcy.

Note:   This Notice and the Statement are required by legislation adopted by Congress in 2005, after intense lobbying by the credit industry.  In our opinion they are designed to intimidate people who need debt relief under the Bankruptcy Code, and are based on the erroneous assumption that debtors are dishonest.  So long as you are honest and meet the requirements set out under the law, you are entitled to debt  relief.  We can guide you through all the requirements of filing bankruptcy so long as you provide us accurate and complete information.