Terms of Use
Effective Date: April 7, 2026
By accessing and using ibankruptcy.net (the “Website”), you agree to the following terms and conditions. If you do not agree, please do not use this Website.
1. No Attorney-Client Relationship
Visiting this Website, reading its content, submitting a contact form, or using the Means Test Calculator does not create an attorney-client relationship between you and Steven C. Fraser, P.A. An attorney-client relationship is established only when a written engagement agreement has been signed by both you and the Firm.
Until a formal engagement agreement is executed, you should not send confidential or sensitive information beyond what is necessary to evaluate whether the Firm can assist you.
2. General Information Only — Not Legal Advice
The content on this Website is provided for general informational purposes only. It is not intended as legal advice and should not be relied upon as a substitute for consultation with a qualified bankruptcy attorney. Bankruptcy law is complex, and outcomes depend on the specific facts and circumstances of each case.
Blog posts, articles, FAQs, and other content on this Website discuss general legal concepts and do not constitute legal advice tailored to your individual situation.
3. Attorney Advertising
This Website constitutes attorney advertising under applicable rules of professional conduct, including:
- Florida Bar Rule 4-7 — Rules Regulating The Florida Bar governing lawyer advertising
- DC Rule 7.1 — District of Columbia Rules of Professional Conduct governing communications concerning a lawyer’s services
No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. Past results do not guarantee future outcomes.
4. Attorney Licensing & Admissions
Steven C. Fraser is licensed and admitted to practice in the following jurisdictions:
- The Florida Bar — Bar No. 625825
- District of Columbia Bar — Bar No. 460026
Steven C. Fraser is admitted to practice before the following federal courts:
- U.S. Bankruptcy Court for the Northern District of Florida
- U.S. Bankruptcy Court for the Middle District of Florida
- U.S. Bankruptcy Court for the Southern District of Florida
- U.S. District Court for the Northern District of Florida
- U.S. District Court for the Middle District of Florida
- U.S. District Court for the Southern District of Florida
- U.S. Bankruptcy Court for the District of Columbia
- U.S. District Court for the District of Columbia
5. Calculator Disclaimer
The Means Test Calculator and any other calculators or interactive tools available on this Website are provided for estimation purposes only. Results are based on U.S. Department of Justice median income data and standardized expense allowances, and may not reflect your actual eligibility for Chapter 7 or Chapter 13 bankruptcy.
Calculator results do not constitute legal advice and should not be the sole basis for any financial or legal decision. Actual eligibility depends on a comprehensive review of your complete financial situation by a qualified attorney.
6. External Links
This Website contains links to third-party websites and services. These links are provided for your convenience and do not imply endorsement or responsibility for the content, privacy practices, or security of those sites. Third-party services used in connection with this Website include:
- Calendly — Appointment scheduling
- Confido Legal — Payment processing
- SignNow — Electronic signatures
- TitanFile — Secure document exchange
Links to government and court resources:
- U.S. Bankruptcy Court — Northern District of Florida
- U.S. Bankruptcy Court — Middle District of Florida
- U.S. Bankruptcy Court — Southern District of Florida
- U.S. Bankruptcy Court — District of Columbia
7. Intellectual Property
All content on this Website, including text, graphics, logos, the “iBankruptcy” name and mark, page layouts, and software, is the property of Steven C. Fraser, P.A. and is protected by U.S. copyright and trademark laws.
You may not reproduce, distribute, modify, or create derivative works from any content on this Website without prior written consent from the Firm, except for personal, non-commercial use such as printing a page for your own reference.
8. Limitation of Liability
This Website and its content are provided “as is” without warranties of any kind, either express or implied. Steven C. Fraser, P.A. does not warrant that the Website will be uninterrupted, error-free, or free of harmful components.
To the fullest extent permitted by law, Steven C. Fraser, P.A. shall not be liable for any damages arising from your use of or inability to use this Website, including but not limited to reliance on any information obtained from the Website.
9. Governing Law
These Terms of Use are governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles. Any dispute arising from or relating to these Terms shall be resolved in the courts of the State of Florida.
10. Changes to These Terms
We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Website after changes are posted constitutes acceptance of the revised terms.