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Important notice required by Federal Law: We are a debt relief agency pursuant to Federal Law §528 of Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code. Disclaimer: The information contained on this site, including replies from Bayer, Wishman & Leotta to any pre-consultation form, is/are not intended as legal advice, nor to create an attorney-client relationship between yourself and Bayer, Wishman & Leotta. It is informational in nature. Though bankruptcy is federal law, your particular state of domicile can impact the advice you receive. Furthermore, bankruptcy law is very complicated, therefore, an experienced bankruptcy lawyer within your state of domicile should be consulted for specific advice. Users of the internet should not rely on an e-mail message to Bayer, Wishman & Leotta through this web site to create an attorney-client relationship. Said users should not act upon any information on this web site without first directly consulting legal counsel of their own. The hiring of a lawyer is an extremely important decision which should not be based solely upon advertisements, web pages, brochures, or other promotional materials. Unless a written retainer agreement has been signed by a member of Bayer, Wishman & Leotta, no attorney-client relationship exists between you and Bayer, Wishman & Leotta. This web site might be characterized as an ADVERTISEMENT. The responses and information are intended to be general and should not be relied upon for any specific situation. For legal advice, consult an attorney. Please remember also that reviews, testimonials or endorsements presented here do not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter.