This website/blog/email series is an educational and informational resource for people that want to better their financial situation. It is not a substitute for working with a Financial Advisor, Bankruptcy Professional or Debt Consolidation Professionals. I cannot guarantee the outcome of following the recommendations provided and my statements about the potential outcome are expressions of opinion only. I make no guarantees about the information and recommendations provided herein. By continuing to use/read/participate in this website/ blog/email series you acknowledge that I cannot guarantee any particular results, as such outcomes are based on subjective factors that are not within my control. Therefore, following any information or recommendations provided on this website/blog/email series are at your own risk.