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The Forums are intended to enable consumers to benefit from the experience of other consumers who have faced similar legal issues. The Editorial Staff and advisors at have NOT reviewed the postings on the Forum and does NOT vouch for or warrant the accuracy, completeness or usefulness of any posting, or the status, legitimacy or bona fides of any person (even one purporting to be an solicitor or moderator) making a post. You understand and agree that information on or a Forum, even posted by an solicitor or moderator, should not be relied upon and is not a substitute for advice from an licensed Insolvency Practitioner or Solicitor in your area, who you have retained to represent you.

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