Top Seven Leading Situations of Bankruptcy

Bankruptcy is legal process where you are declaring that you are unable to pay your debts.  When people can’t pay their debts at that time bankruptcy is a suitable option for them. When people file for bankruptcy, bankruptcy allows them to start rebuilding their credit faster and putting them on track for a brighter financial future. According to US bankruptcy court statics every year in USA 1.5 million people file for bankruptcy.  Bankruptcy is a tool to help people tide over their financial hardships and this should never be taken up as a first choice, it needs to be the last option when all the doors to pay off your debt are closed. An experienced and skilled bankruptcy lawyer Mr. Brian Linnekens shares a few reasons and situations why people go bankrupt. You need to know these reasons of bankruptcy so that you can try and steer clear of these situations and ensure that you don’t have to ever file bankruptcy. After knowing your financial problems you can easily control your debts before they take control of you.

Job Loss –

Sometimes people might lose their job and in that time frame they might not be able to pay off their debts and credit card bills which might also lead to depression which further results in the piling up of the already accumulated debts.  Also decreasing salary is a big factor in increasing financial hardships. The end result is that more and more people are applying for bankruptcy. Unemployment is another big factor in the rising cases of bankruptcy. Watch out for any career and market changes that might affect you adversely.

Divorce –

Divorce is quite an emotional time for both partners. Divorce is an expensive process because of high attorney fees, court costs, child support and other hidden costs, that are hard to identify, but never fail to show up. At this time it is really important that you need to hire an experienced and skilled bankruptcy attorney who can help you manage and eliminate your debt in the most feasible way possible in case you are left with no option but to file for bankruptcy.

Unexpected Emergencies –

Emergencies can come anytime like – car accident, home expense, fire, tree falling on home. These types of unexpected expenses quickly drain the whole savings of the people and create more problems to pay other monthly important expenses, bills and loans.

Medical Expenses –

Recent studies say 62 percent of people are filing bankruptcy due to increasing medical expenses. Sometime family members suffer from medical issues like cancer or accidents. Health insurance plans do not cover the entire cost since the treatment time may prolong based on the gravity of the problem. Thus medical expenses shoot up and then some people can’t pay the already existing debts along with the already accumulated medical expenses. Better keep an emergency fund handy which can be used in times of medical emergencies. You can also look out of an insurance plan that covers the whole family for a sustainable and large amount of cover.

Poor or non-existent Financial Planning –

If your financial planning fails then you have to face numerous financial problems. Managing money is really hard, if you don’t pay your loan installment and bills on time then creditors will start hounding you with phone calls, messages and mails.  To stop creditor harassment you need to file bankruptcy. Better have robust financial plans in place and make sure to have a plan B is the main plan fails to avoid filing bankruptcy.

Student Loan –

Most students are unable to pay their loans timely. Whatever loan type if you do not pay loan installments on time then it will become a problem for you.  To avoid creditor harassment, students generally file for bankruptcy.

Avoiding Foreclosure on their homes-

In America 1% people file for bankruptcy in order to avoid foreclosure on their homes. And some people try to cut down and reorganize debt by filing for bankruptcy.

Useful tips from Brian Linnekens to protect yourself during Bankruptcy

When you are struggling from financial crisis and not able to pay your debts, then filing for bankruptcy is the best solution of your problem. According to Brian Linnekens, It is a serious issue, you need to have a fresh look at it once, before filling and make proper plans in order to get rid of the problem.

Bankruptcy will help us to clear credit cards bills and other unsecured bills excluding student loans and overdue taxes. For such issues the financial plan created as a part of bankruptcy will helps you.

Before filing for bankruptcy you need to understand well which areas they are covering and which are not covered. A bankruptcy attorney will give suggestions that you need to take for your bankruptcy case. Along with his/her suggestion you need to do a few other things proactively.

Create a new bank account

The very first thing you need to do is to open a new bank account. It is essential even if you file for chapter 7 and take automatic stay against collections, some creditor banks and credit unions are legally allowed to take their debts against funds you own.

To protect yourself from these situations you need to open a new account in a bank or any other financial institution from where you had not taken any credits or loans previously. Transfer your direct funds or any other funds that you have in this account.

Stop all automatic payments

Once you decide to file for the bankruptcy the next thing you need to do is to stop your auto debit payments as soon as possible. By doing this you will save yourself from penalties and other fees that is linked with failed transaction. You should use your new account for making payments of car loan, cell phone or other utilities. These small things will help you a lot during bankruptcy.

Cut up your Plastics

The key concept of bankruptcy is to give you the chance to get rid from debt that you can’t pay due to some reasons. Using credit card just prior to filing for bankruptcy is a questionable thing and on this basis a card provider can accuse you for fraudulent activity. So once you decided to file for bankruptcy you should avoid using credit card.

Create a workable budget

You need to create a workable budget so that you are able to repay your debts only then bankruptcy will work for you. According to chapter 13, all the plans for the repayment of debts are set according to the ability of your paying. After some time it is set according to your disposable income.

When you file for the bankruptcy you need to follow certain set of rules and a good attorney will help you in doing this. You need to appear in front of bankruptcy trustee with your attorney for a few questions that you need to answer. A court will issue a Notice of Commencement for the case, which decides the date and time of meeting with the creditors in order to take the clarifications.

During bankruptcy proceedings you need to go through several issues – creditors can make objection on your claim, a trustee may disapprove your case as the required paper work is not complete or even due to late submission.

The case is not over even after your bankruptcy plan is set. You need to make various kinds of communication even after that. When you get mail from your attorney, creditors or trustee; you need read it carefully and respond to it accordingly.

In bankruptcy you need proper guidance and a constant communication with your bankruptcy attorney will protect you during the bankruptcy.

Brian Linnekens gives an insight on Different Types of Bankruptcy

Bankruptcy is a legal process that reduces debt and gives you a chance to reorganize your debts. According to Brain Linnekens by filing bankruptcy, you can easily overcome your bad financial situation. You can pay back your debt within 7-10 years with repayment plans. Bankruptcy has several types of chapters but in most cases, people file chapter 7 & 13 because these chapters are effective and easy to file.

When Chapter 7 Bankruptcy can be an option explains Brian Linnekens

Chapter 7 is very helpful for debtors who are not able to pay back their debt. It is very useful in those cases where majority of the debt is unsecured because in chapter 7 bankruptcy some of your property is sold to recover the debt one has incurred from creditors and in return your unsecured debt will be written off. Remember everyone does not file chapter 7 bankruptcy. In cases where the disposable income is enough to file a chapter 13-repayment plan after subtracting certain allowed expenses and monthly payments for certain debts you would not be allowed to use chapter 7 bankruptcy.

Chapter 9 Bankruptcy as explained by Brian Linnekens

Chapter 9 bankruptcy is designed for “municipalities.” The main purpose of chapter 9 is to safeguard a municipality from its creditors while it negotiates its debts. According to chapter 9 bankruptcy a creditor cannot take over the assets of the municipality from the municipality. Only a municipality can file for relief under chapter 9.

Chapter 11 Bankruptcy

Chapter 11 bankruptcy is very complicated and it used for those peoples who are struggling with their business and want to reorganize their finances. It is generally used only by those whose debts exceed chapter 13. In this process debtors continuously work and maintain owner ship of all assets and try to fulfill to pay off creditors. Chapter 11 is more expensive. Before filing chapter 11 you will need to talk to a bankruptcy lawyer like Brian Linnekens who will be able advice you professionally based on his experience and years of learning in the realm of Bankruptcy.

Chapter 12 Bankruptcy

Very few people use chapter 12 bankruptcies. It is specifically for farm owners. According this chapter the debtor maintains ownership of his assets and works out a repayment plan with the creditors. Similar to chapter 13, filing under chapter 12 bankruptcy you can pay back your debt within three to five years.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is one of the most beneficial options for those people who are struggling with their debts. It is best for those debtors who are behind on secured debts such as home mortgages and car loans. Chapter 13 bankruptcy gives you a chance to keep all your assets and you can stop foreclosure with the repayment plan agreed upon in the Bankruptcy terms and conditions. According to the repayment plan, you can pay back your debt within three to five years. The time of three to five years can be increased by the bankruptcy process if you are not able to pay off your debt within three to five years. Since paying off the debt within a particular time period will depend on your present income. Chapter 13 will help you to reorganize and reduce your debt. It will also gives you a chance to create new plans to pay off your debts and gives you more time to fulfill your financial obligations.

Bankruptcy has provided us many options. If you are thinking of filing bankruptcy then you need to understand the various bankruptcy options and know which one is suitable for you. Before filing bankruptcy, you can talk to a bankruptcy lawyer since bankruptcy law is very complicated and with the help of an attorney you can easily know the difference between the various bankruptcy chapters. Filing for bankruptcy should be the last option. Before filing for bankruptcy you should check for other options like loan modification or loan settlement whichever is possible for you.

Tips from Brian Linnekens to choose an Experienced Bankruptcy Attorney

Nothing can be more complicated and stressful than filing for a bankruptcy in court. Filing for a bankruptcy without having proper knowledge of court rules and bankruptcy laws has a very low success rate. For an easy and successful bankruptcy case, you are not allowed to make bankruptcy blunders that could increase the chances of having your case rejected by the court. The main reason behind most rejected bankruptcy cases is hiring a wrong attorney for the job. Hiring a wrong attorney can make blunders that can put you into a big loss. For many attorneys, bankruptcy filings have become a volume business. Debtors are getting inferior legal services from attorneys that put them into loss. For this reason, you’ll need to do some research before hiring a bankruptcy lawyer. Here are a few things according to Brian Linnekens that you have to look in a bankruptcy lawyer before hiring him or her while filing for a bankruptcy.

Determine How Much You Can Pay to Your Bankruptcy attorney

Bankruptcy attorney’s fees may vary by region. In America for Chapter 7 bankruptcy, fees ranges from about $1,000 to $2,500. In the case of bankruptcy you get what you pay for. Decide your budget, but remember the fact that attorneys who advertise their fees on their website or charge below the prevalent market fees work on volumes rather than on quality. Never pick up these kinds attorneys. They may take as many cases as possible at the lowest rates possible, with only one objective to make money. Be prepared to spend at least $1500.00 on a bankruptcy case. Although, pricing of bankruptcy depends on the number of creditors involved, judgment liens, and the complexity of the matter. Try to not go for a cheap attorney. Invest on some quality lawful services to ensure that your assets are protected, and creditors are no longer knocking on your door.

Make a list of Best Bankruptcy Attorneys within Your Area

Make a list of potential bankruptcy attorneys of your area and try to narrow down your list by doing some research on yelp or other portals that can help you find a good attorney just like you do when you search for the best hotels in the city. Consider checking their ratings and customer reviews on yelp and other websites. Make sure the attorneys on your list actually practice bankruptcy law. When hiring an attorney, do not pick one without checking him online.

Contact their Previous Clients

If you have picked one do not finalize a contract with him for filing your bankruptcy before talking to their previous clients. Ask their previous clients if the attorney communicated with them in a timely manner or not and did he answer all the queries on time or not. It will assure you that they actually serve in the best possible manner.

Consider Checking Their License and Experience

There are countless of websites available that would help you to find a potential attorney where they list their practice and specialization areas. Make sure that the attorney is licensed and has gone through the necessary practices and qualification of bankruptcy lawyer. Choose an attorney that is familiar with the local rules of your district and knows the trustees. It will help you go smooth throughout the case.

Check the kind of financial advisor you are looking for

Outside financial assistance is very important, particularly, for recognized businesses. On the other hand, financial agents possess a mixed popularity within the market for their professional services offered feels Brian Linnekens. There is pool of financial advisers in the marketplace however many of these usually are known for their informative advice.

Clear you doubts of employing a financial adviser

The first and most essential question to understand will probably be your need. You need to realize whether a person require guidance or perhaps data for your funds. For many who are merely looking for some information similar to what should be done with pension you can visit numerous web sites. Websites like these consist of information about home mortgages as well the very best personal savings and also credit card deals.

Nevertheless, when you are short of time as well as don’t seem to be self-confident concerning your finances, looking for financial adviser’s assistance is vital. A good adviser can recommend numerous proper products. Typically, consultants expertise covers diverse areas- some are financial advisers while some are generally broker agents, tax advisers etc. Make certain you hire an impartial adviser who can suggest you appropriate products from the market. A few of the pointers to employ financial advisers according to Brian Linnekens are:

Employ professional financial adviser from the market-

Make sure to check the certificate of the financial adviser to prevent any kind of discontentment. A person can’t hire any person from your market to advice you on your finances. Experts are reliable and their professionalism will be the real power. Usually, financial advisers will need to have accreditation from Certified Financial Planner as well as Personal Financial Specialist. Make certain about his status industry and his previous clients.

Inquire in addition to discuss around with friends and colleagues-

To hire a financial adviser, you may check around from friends as well as co-workers. You can check registries with professional associations such as Associations of Personal Financial Advisers to discover good financial adviser.

Recognize your requirements-

As stated before, you must know the reasons you wish to employ a financial agent. In case you are clear with regards to your wishes then picking out the correct individual to advice should be quiet easy. Given that financial planners expertise is within different places make sure you retain the person who fits your preferences by meeting with many different financial advisors.

Know how the adviser gets paid –

A few financial planners are generally paid a fixed amount in their tenure so they don’t charge commissions for the services. Alternatively, commission based planners don’t charge their clients for frequent visits rather they have some portion in the services and products. Fee-only advisors are uncommon so the majority of financial advisers tend to be commission based.

Know the alphabet soup –

A Certified Financial Planner (CFP) is a individual who would be able to counsel you on the whole financial picture. However, the CFA could be the person with expertise in investing in addition to CPA is a person tackling with tax issues. You should find the one who fits your expectations.

Inside existing market scenario, choosing the right tax assistance is actually wearisome. Customers should be extra careful about hiring the best one. If you hire the wrong person, it can be unsatisfactory for you later on. Finances need to be managed by an individual who is experienced in his area and is trustworthy. Research as well as planning is necessary and do as much as research it is possible to get the best one.

Errors on Credit Reports and checking them with Brian Linnekens

Your Credit Report contains all the information about you: your name, address, your financial health checkup almost everything. According to Brian Linnekens in the present economy this is the most essential document that should be in order. Even a single mistake or error on the credit report can spell doom not only for an individual but also for the whole family and everyone who is depending on you for finances.

Not many people are aware that they can challenge the errors and get them rectified from the credit reporting agencies. In fact Brian Linnekens informed us that a majority of the people will accept and live with the fact that their credit reports contain an error that is hampering their chances of getting a loan or finance for something that they really need. These people are under the impression that the credit bureaus do not have ears and are not going to listen to them. Sometimes people don’t even have an idea that something is wrong on their credit report since they never go through them in detail.

Brian Linnekens stresses the importance of keeping an eye on your credit report since you need to be aware of the various changes that take place on it. Almost all transactions that you make in terms of your finances are there on the credit reports. Keeping an eye on your credit report serves quite a few purposes that are really important. You can be alerted in cases of identity theft. If someone has been using your name address or phone number to carry out financial transactions that may hamper your long term financial health. Frauds carried out in your name can be easily detected if you are watchful in terms of your credit report.

If ever you find an error on your credit report you have full right to rectify it and since it does not involve any heavy costs it is the best thing to do without even getting professional assistance. However if one opts for professional assistance chances are that things will move at a better pace feels Brian Linnekens, an expert in financial matters.

To correct your Credit Report you need to get in touch with the credit reporting agencies that is Equifax, Experian and TransUnion. Make sure you have identified all the items that you are disputing on your credit report. Your statements in your correspondence need to be crisp and clear so that the Credit Unions are able to process your request fast and precise. You have full right to dispute and apply for correction or deletions for the items that you think have been wrongly placed on your credit report. Make sure you attach copies of the supporting documents that you are sending in to substantiate your claim for a correction.

Send all the documents and correspondence to the credit bureaus via certified mail, return receipt requested so that you are aware that they have received your request. The Credit Bureaus will investigate your claim and remove any errors or red marks that are present due to oversight or wrong reporting however the changes will only be visible when the next credit report is going to be generated which may have a TAT of 90 days.

Credit Scoring with Brian Linnekens

Credit Reporting is one factor that keeps almost all Americans on their toes. Although it’s a simple process and a simple reporting yet people are scared to death at the mere mention of a credit report observed Brian Linnekens. There are many myths that have made their way into the public domain via word of mouth. Myths don’t have any solid ground yet people are scared because of ignorance as to how credit reporting is done. Once individuals know the process and the fact that credit reporting and credit scores are for the befit of the common people and can be used to increase their individual borrowing capabilities it becomes quite easy to manage everyday finances that have become sort of burden for the average American these days.

Experts like Brian Linnekens suggest people to at least have a look at their credit scores at least once a year. As major credit reporting agencies provide a copy of your credit score every year space them out so that you have an even chance of checking your credit score every four months that will ensure that you are not ignorant of your financial health. Having a mere look at your credit report is not going to take you anywhere. You need to be able to tell the facts from the myths that surround credit reporting suggests Brian Linnekens.

People keep wondering why they are not qualifying for a debt with a low APR in spite of settling all previous debts where some problems persisted. Well the truth is that settled debts don’t get dropped from your credit report. Late payments and bad debts are not dropped instantly from the credit report even though they have been settled amicably. The late payments and bad debts are there on the credit report for a good seven years. Even worse a bankruptcy mark will be there for ten years on your credit report.

There are many who believe if they stop using the credit card their credit score will shoot up. This is not the case you may use cash for all your purchases but that is not going to make any difference to your credit score. Don’t stop using credit instead use it responsibly. Making your payments on time will surely give you an advantage and you are sure to receive a benefit in your credit score if you start using your credit card more responsibly.

Closing on a credit card can do more harm than good. Agencies involved with credit reporting need to see a low credit utilization which is the ratio between the credit you are using and the credit that is available. Thus closing a credit card will reduce this ratio as you are not decreasing the outstanding credit but you are closing on the available credit.

Don’t be afraid to make inquiries about your credit rating advises Brian Linnekens. It hardly affects your credit score if you are making soft inquiries for personal reasons. But if a bank or a financial institution is making an inquiry then there is a small effect on your credit score. The effect is small but it is measureable. Thus the best option is to make a soft inquiry if you are in a doubt about your credit score.

A high income is does not affect your credit score. Since credit score is a measure of how you manage your credit thus income plays a negligible part in the credit scoring. However Brian Linnekens says that if you have a fat paycheck make sure you manage your credit in the best possible manner as it will surely help in a better credit scoring.

Dealing with Credit Report Errors with Brian Linnekens

Are you presently bewildered lately as to why your credit history will be straight down or even why a lot of the financial institutions have refused your request with regard to a loan? Most likely your credit history moved lower without your knowledge. Mistakes and oversight from one or several finance institutions is quite mainstream according to Brian Linnekens however, these errors which are simple to the banking institutions have significant consequences for anyone who is looking for financial aid, bank loan for an automotive as well as mortgage with regards to household.

In the beginning you need to have firsthand information regarding your current credit scores. This is effortlessly created by going on and opening your credit report cost free if you haven’t received a copy regarding the same within the past 12 months notifies Brian Linnekens. If you live outside the US and wish to access your free credit score you can get the same by means of Upon getting the Credit Report along it’s simple for you to determine if your credit track record is in order or if perhaps it requires a alter as a result of miscalculation from the Credit Bureau’s end as well as from one of your Creditor’s end.

You probably have poor credit which is unexpected you will want to pull your credit score from all three credit rating organizations specifically Equifax, TransUnion, and Experian. Every one of these operate independent of each other and don’t reveal information. The power as well as logic behind taking out your credit reports is you can find the problem in reporting. If one of the credit agencies is actually goofing up on your credit rating then a error won’t be visible on the other 2 although if the corruption is on part of a banker then each of the three bureaus will reflect it.

Next thing is to file a issue with all the credit agencies concerning the erroneous reporting of the credit ratings. You can go to the website to do this. Ordinarily each and every credit union incorporates a form on their website that lets you file your trouble with them. While filing that issue make sure you deliver highest information regarding your monetary ventures as well as needs they are inquiring for. Don’t worry websites like these are safe and don’t share details with any 3rd party as a result your information is as secure as it is together with you.

Brian Linnekens in addition says that after submitting the actual grievance you have to be patient since the Credit Unions have their own turnaround time for settling any issue with the unfavorable credit comments. This kind of turnaround time can vary from a month to 45 days. Most of these Credit Unions possess their own tactics and methods to investigate any issue that has been raised along with these folks. Aside from that you’ll want to submit the data properly so that your issue can be expedited. If the Credit Unions want to get more information through you the particular negotiating course of action will only expand.

When the issue has been resolved you must file the actual documents and keep all of them in risk-free custody to ensure that in the event that in future the matter arises once more you can easily come with the previous documents that you’ve along with you. Pros similar to Brian Linnekens will always be there to guide and explain the correct tactic to deal with the particular negative marks on your own credit rating.

Brian Linnekens helping people to select a debt management Company

People are continuously looking out to lessen their monthly installments or even get their loans diminished no matter if it’s home financing, car finance or simply a personal cash loan or maybe personal credit card debt. In accordance with Brian Linnekens this particular craze is an on-going method within the monetary world on account of the slump from the global economy where individuals are finding it hard to make both ends meet. In this state of affairs arrives the function of any debt management provider.

Before dealing with virtually any Debt Management Provider you’ll want to check some things with that organization shows Brian Linnekens. You should find out if this company is usually authorized in your area, you need to realize the services they are delivering combined with premiums they may be demanding for a particular service. Aside from that as a client you ought to be conscious of your current privileges so the Debt Management Organization is reasonable together with you while working your case.

According to Brian Linnekens a Debt Management Business may offer a range of solutions for instance counseling on budgeting. They will likely likewise direct you in preparing for the strategies that will make certain you pay off your financial obligations. Credit Repair is another service that’s supplied by Debt Management Companies. Sometimes it is feasible for you will discover damaging marks on the credit history without the fault of yours. This is why your debt Management Company will assist you to get over those negative credit marks of yours. Loan modification can be carried out by using these kinds of Debt Management Companies.

When someone is applying for bankruptcy, Debt Management Companies may play an important position in helping anyone seek bankruptcy relief chapters. You can approve these debt management companies to work on your behalf and have your loan marked down coming from the actual businesses the spot where you have gotten your loan from. There’re qualified in addition to qualified to talk to a bank or a Credit Union.

You can find legal professionals that are registered in addition to qualified by the government to offer debt management services. Such attorneys are a good option as they quite simply have represented varied cases and have inside out knowledge of his or her company’s position additionally, the functioning of financial organizations. Law firms often carry own attention in the financial things there’re representing for their particular customers because price of those solicitors is determined by the result of the result of the portrayal these are creating before the financial institution. As well as that the particular legal professionals would need to protect his repute to get a growing number of clients for themselves.

Anyone undergoing a home loan modification or almost any financial modification together with the particular creditors along with a debt management company should never sever the communication lines with the banker because it may go against the person. More often than not Debt Management companies will tell you to prevent all communication with the creditors which is a completely wrong practice.

An attorney will ensure that you receive the great offer while entering into for a financial arrangement with your client while a Debt Management company functions upon fixed details which consists of workforce keeping their particular individual preferences above the ones from your customer.

Brian R. Linnekens Develops Client Protections under the Fair Debt Collection Practices Act

Brian Linnekens has been practicing law for over a decade.  One of the most groundbreaking services that Mr. Linnekens has developed over the years is based in the Fair Debt Collection Practices Act.   The Fair Debt Collection Practices Act, commonly referred to as the FDCPA, is a Federal law designed to protect consumers. According to Brian Linnekens, the FDCPA clearly spells out clients’ rights and prohibits debt collectors from using dishonest and abusive methods of collecting money owed, such as those described in detail below.


Prohibited Practices – Harassing or Abusive Practices


Brian Linnekens explains to his clients that a debt collector, in collecting a debt, may not harass, oppress, or abuse any person. Specifically, a debt collector may not:


  • Use or threaten to use violence or other criminal means to harm the physical person, reputation, or property of any person
  • Use obscene, profane, or other language that abuses the hearer or reader
  • Publish a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3) of the FDCPA
  • Advertise a debt for sale to coerce payment
  • Annoy, abuse, or harass persons by repeatedly calling their telephone number or allowing their telephone to ring continually
  • Make telephone calls without properly identifying himself or herself, except as allowed to obtain location information


Brian Linnekens has developed methods and means to prevent debt collectors from taking any of these actions.  Although it is impossible to completely stop debt collectors from violating the FDCPA, Brian Linnekens can help minimize the violations that occur, and can hold those collectors who do violate the FDCPA accountable for their actions.


This website is designed to provide only general information. Nothing contained herein constitutes legal advice, nor is it intended to offer legal advice. Use of this website is not intended in any way to create or even to convey the impression that such use of this website by any person, organization or entity of any nature and/or kind constitutes any attorney-client relationship whatsoever.  Brian Linnekens does not make any guarantee as to the accuracy or currency of any information contained in or created through use of any link to another website contained in this website.  You should consult a lawyer for individual advice regarding your own situation.