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  • Credit Counselling or Bankruptcy? What Should You Choose?

    Credit Counselling or Bankruptcy? What Should You Choose?

    Call: 888-297-6203

    When it comes to debt relief, a number of options are available, say Los Angeles based bankruptcy law firm Recovery Law Group lawyers. People who are struggling with financial issues often have a problem trying to choose the best option. You will be surprised to know that there is no right choice when it comes to debt relief since every case is different. The debt relief option depends on the goal of the client. Credit counseling and bankruptcy are often the most sought-after options by debtors. Before deciding which option is better suited for you, it is vital that you understand the pros and cons of each.

    Credit counseling

    In this case, you work with an agency to come up with a plan to pay off your debts. The agency can be a private or a government one. Many times, however, clients end up without any debt relief despite going through the entire rigmarole. This may be because credit counseling agencies might charge you high rates without effectively getting any financial burden reduced. In such cases, it is advised to opt for a non-profit credit counseling agency. The important aspects of credit counseling include:

    • Your debt won’t be reduced, instead, a plan to repay your debt over 3-5 years’ time will be devised.
    • Not much relief is available for secured debts like a mortgage or car loan. Though they may be included, credit counseling plan for debt relief focusses more on unsecured debts like personal loan, credit card, etc.
    • It helps bring your accounts to current and reduces your balance, which ultimately improves your credit score.
    • Additionally, credit counseling is not mentioned on your credit report; only improving credit scores can be seen there.

    Bankruptcy

    Bankruptcy is probably the last option people consider when it comes to debt relief. this is probably because the ill-effects of bankruptcy have been publicized more than its benefits. However, the benefits of bankruptcy often outweigh its drawbacks. Opting for bankruptcy might turn out to be the best decision you have made since it is a legal process where you are no longer liable for any debts that are discharged by the court in bankruptcy. Chapter 7 or liquidation bankruptcy has considerable advantages compared to credit counseling. Here are some facts to consider before choosing any option:

    • Exemptions provided by state and/or federal government can protect most of your assets from liquidated, while still getting rid of your debts.
    • A chapter 7 bankruptcy typically takes 120 days to get a discharge, compared to the credit counseling payment plan of 3-5 years.
    • Any debts that have been discharged through bankruptcy are no longer your responsibility.
    • Secured debts can be attended to through bankruptcy.
    • However, it has a severe effect on your credit score. Filing for bankruptcy appears on your credit report and remains for a duration of 7-10 years.
    • Compared to credit counseling, it is a cheaper option. You only need to pay the bankruptcy filing fee and attorney fee to get rid of your unsecured debts.

    However, you will be surprised to know that people start getting credit card offers just after bankruptcy discharge! This is probably because after getting rid of debts, the debt to income ratio becomes low, making you a viable candidate for fresh credit. If you manage to keep your finances in order, you might even end up securing a new mortgage or car loan before the 7-10 years’ time frame. If you wish to know more about bankruptcy or credit counseling options, you can consult with experienced bankruptcy attorneys Los Angeles at 888-297-6023.


      *Are you more than 60 days past due on your mortgage?

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      By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

    • Information Essential for Filing of Bankruptcy

      Information Essential for Filing of Bankruptcy

      Once you have concluded that bankruptcy is probably the best way to get rid of your debts, it is time to consult an experienced bankruptcy lawyer. Most lawyers will ask you for a detailed account of your income, assets, and debts. This is because while filing for bankruptcy, you are required to disclose all this information as per Federal Law. For a person struggling with finances, reliving their failures can be quite overwhelming, however, this is something you cannot avoid if you wish to have your debts discharged. According to lawyers of Los Angeles based bankruptcy law firm Recovery Law Group, a bankruptcy attorney will require these documents for preparing your bankruptcy petition:

      • Questionnaire

      The questionnaire helps in gathering information about the income, assets, and debts of the prospective bankruptcy filer. You are also required to provide information regarding any assets you had held or transactions done within the past 2-5 years. The attorney can determine an outline of your finances from these questions and assess which would be the correct time to file for bankruptcy.

      • Proof of income

      Individuals can file for either Chapter 7 or Chapter 13 bankruptcy depending on their average income. To calculate this, a record of your income for the previous 6 months is required. In case of a salaried person, pay-stubs or cheques of the last six months; for a business owner, the profit and loss statements for the same duration and for a retiree, their social security or retirement income award letter will be needed.

      • Credit report

      Since many people might end up forgetting how much they owe to whom, using their credit report is ideal. This gives an idea of the debts you need to include in your bankruptcy. To be on the safer side, you should get your credit report from all three credit reporting bureaus so that you do not forget to include any debt when you file for bankruptcy.

      • Other documents

      Apart from these, your lawyer might also need –

      • your tax return information for the past two years
      • your bank statements for a minimum duration of six months
      • titles to assets (vehicle, real estate, )
      • latest mortgage statement, etc.

      It is important that you are honest about the information provided when you file for bankruptcy. Since federal law requires complete transparency, any hiding of information could lead to your case being dismissed without a discharge. This will send you in a position worse than when you had started. If you are not sure of anything, ask your bankruptcy lawyer Los Angeles. If you haven’t hired one, you can call 888-297-6023 to schedule an appoint with qualified attorneys to discuss your case.


        *Are you more than 60 days past due on your mortgage?

        *Do you own a home?

        Are you currently working?

        By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

      • Know More About Texas Bankruptcy Exemptions

        Know More About Texas Bankruptcy Exemptions

        Call: 888-297-6203

        The worst fear people have about bankruptcy is losing all their assets to liquidation. You will be surprised to know that liquidation of assets is not as common as is believed. According to lawyers of Los Angeles based bankruptcy law firm Recovery Law Group, many states provide exemptions which can protect the majority of your assets from going under the hammer. Texas has amazingly generous bankruptcy exemptions that can protect more property than federal bankruptcy exemptions. The different categories of the exemption provided by Texas bankruptcy laws include:

        1. Homestead exemption

        One of the major concerns people have is for their home. Texas offers an unlimited dollar amount of equity in the homestead exemption. This means that you are going to retain the roof over your head, irrespective of the equity in your home. However, the catch is that you must be a resident of the state of Texas for a minimum duration of 2 years and the area of your home must be less than 10 acres (if located in the city) or 100 acres (if present outside city limits). The area is 200 acres in case of a family (in the latter case).

        1. Personal property

        A single person can claim an exemption for personal property worth $30,000. The amount is extended to $60,000 for a family. The items you can protect through this category of exemption include sporting equipment, home furnishings, clothing, tools, etc. Though jewelry is included in this case, the limit is capped to 25% of the personal property limit ($30,000 or $60,000). You can also exempt one vehicle per licensed member. Other items exempted under this category include tools of the trade, farming vehicle and equipment.

        1. Health benefits

        Any equipment which is prescribed by the doctor and is essential for daily routine can be exempted under this category. Social security disability income, as well as supplemental security income, is also protected in Texas.

        1. Insurance policies

        If a dependant is named a beneficiary, then you can protect life insurance policies too through Texas bankruptcy exemptions. There is no limit attached to the value of such policies. Few examples of policies included in this category are accident, health, life, fraternal benefit, annuity benefit, social benefit, Texas college, and state university employee benefit as well as Texas public school employee’s group benefits.

        1. Retirement plans

        Retirement accounts such as 401(k), 403(b), certain IRAs and profit-sharing plans can be exempted up to an unlimited amount in Texas.

        1. Military exemptions

        Military insurance benefits, active duty wages, and survivor benefits are protected through Texas bankruptcy exemption laws. Apart from this, the court also prevents any wage garnishment or collection action taken against a member who is on active duty. Benefits, insurance, and wages of veterans are also exempted except in case of paying priority non-dischargeable debts.

        To know more about bankruptcy exemptions in your state, you can call 888-297-6023.


          *Are you more than 60 days past due on your mortgage?

          *Do you own a home?

          Are you currently working?

          By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

        • Business Recovery Through Bankruptcy is Possible

          Business Recovery Through Bankruptcy is Possible

          Call: 888-297-6203

          In a time when the economy is struggling everywhere, it is not uncommon to find that many small businesses find it hard to stay afloat. Any change in customs duties, fluctuation in prices can send the cost escalating which cuts into the profit margin. Moreover, the high-interest rate can be a huge reason for the escalating debt of small business owners. If you find yourself struggling to manage the finances of your business, it is time to consider bankruptcy as a way out, say Los Angeles based bankruptcy law firm Recovery Law Group lawyers.

          Though Chapter 7 bankruptcy is usually used by individuals to get rid of their debts, this option is available for small business owners too. Filing for bankruptcy under this chapter not only helps get rid of your debts but also provides financial freedom. Other benefits associated with this bankruptcy chapter include:

          • You can continue operating your business despite filing for bankruptcy. This chapter provides a discharge of unsecured debts within 3-6 months of filing. Since most property is protected through exemptions, you might not lose any assets while getting rid of your debt burden.
          • If you are a sole proprietor of the business, filing for bankruptcy and getting subsequent discharge will allow you to get increased cash flow. This can be invested in the business to be used for the growth of the company.
          • All personal unsecured debt including credit card bills, medical bills and overdue utility bills can be discharged through bankruptcy.

          However, before jumping the gun, it is important that you seek consultation with experienced bankruptcy attorneys Los Angeles at 888-297-6023. They can ensure that all the paperwork is in order and that you get the fresh start that could help be the foundation stone of a successful enterprise.


            *Are you more than 60 days past due on your mortgage?

            *Do you own a home?

            Are you currently working?

            By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

          • How to Fight the Social Stigma Attached With Bankruptcy?

            How to Fight the Social Stigma Attached With Bankruptcy?

            Call: 888-297-6203

            Despite the best efforts of people to bring in the positive sides of bankruptcy, the social stigma attached to it almost always overpowers. Los Angeles based bankruptcy law firm Recovery Law Group has seen various victims of this social stigma who have been struggling with the huge mound of debt but chose not to file for bankruptcy because of its effects on their life. There is no denying that there are disadvantages associated with bankruptcy, however, its pros often outweigh the cons.

            Many people are constantly struggling to pay their bills and lead a normal, debt-free life. However, despite their best efforts, they are still not able to clear all the bills. If this sounds familiar, it is probably time to consult a lawyer. You can make a call at 888-297-6023 to schedule an appointment with experienced bankruptcy lawyers to discuss your case. A veteran bankruptcy lawyer can probably make you understand how bankruptcy can be your way out of the financial mess.

            When you are behind payments, your credit score is low. Filing for bankruptcy won’t tank it further but wipe it clean. Bankruptcy is meant to offer you a fresh financial start. You will see the positive effect of bankruptcy on your credit score once you file for it. Not only will you be able to get rid of a huge amount of unsecured debt, which was holding you down; but also, be able to get a better hold of your finances.

            Despite bankruptcy being public record and remaining on your credit report for 7-10 years depending on the chapter of bankruptcy you filed in; people will not be able to know about it unless they specifically went looking for it. Only your creditors are informed of the bankruptcy. Thus, there is no need to fall prey to the social stigma attached to bankruptcy. Being emotional won’t free you of your debts, bankruptcy would!


              *Are you more than 60 days past due on your mortgage?

              *Do you own a home?

              Are you currently working?

              By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

            • When Should You Hire a Bankruptcy Attorney?

              Call: 888-297-6203

              Anyone can have a streak of bad luck which might result in them in falling under an enormous amount of debt. However, unless you can get a handle on your finances, it is very difficult to get rid of the huge mountain of debt. Slowly, the situation takes a turn for the worse and you might be facing constant harassment from creditors in the form of unwanted phone calls and threatening letters. Los Angeles based bankruptcy law firm Recovery Law Group says that there comes a time when people have to take the unavoidable option of choosing bankruptcy to get rid of your debts.

              It will not be surprising to know that apart from bankruptcy, various other options are available to tackle your debt problem. These include debt consolidation, reaffirming your debt or opting to refinance it. However, most of these solutions require you to deal with creditors directly. Any lack of honoring the arrangement might lead you to lose your property. Bankruptcy, despite having a long-lasting impact on your credit history, is the best legal way to get rid of debts.

              Most people dislike the idea of opting for bankruptcy, as there are many social stigmas attached to it. However, bankruptcy offers to wipe your slate clean, remove all bad credits and lets you have a fresh financial start. Once you have realized that bankruptcy is the best way to get rid of your debts, it is time you contact efficient lawyers to help you with your case. You can call 888-297-6023 to seek consultation with experienced bankruptcy attorneys Los Angeles. Before you file for bankruptcy, it is important for you to know that not all debts will be discharged during bankruptcy. Certain debts can survive bankruptcy. Your lawyer will make you aware of what happens during the entire process.


                *Are you more than 60 days past due on your mortgage?

                *Do you own a home?

                Are you currently working?

                By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

              • Know Everything About Bankruptcy Before Opting for It

                Know Everything About Bankruptcy Before Opting for It

                Call: 888-297-6203

                Your finances are something you generally don’t discuss with everyone. If you are facing some monetary problems, your family or a few friends might be able to come to your rescue. If, however, the debt is too much, even they can’t help. Bankruptcy might be the only possible way to legally get rid of debt. Despite the advantages of bankruptcy, it is important that you don’t jump into it without being aware of the details or you might end up blindsided. Los Angeles based bankruptcy law firm Recovery Law Group, suggests that it is always important if you consult experts before coming to such an important decision as a bankruptcy.

                Many people fear bankruptcy as it can have a negative effect on their credit report. However, there is no denying the fact that you can get rid of several unsecured debts through it. If credit card bills, personal loans, and medical bills form the major chunk of your debts then bankruptcy is the best way out for you; though, it is vital that you hire the services of qualified attorneys specializing in the field. This is because bankruptcy is a complex process involving numerous rules and regulations and laws which are not everyone’s cup of tea. A professionally qualified person such as a lawyer can suggest the best way to get rid of debts.

                There are various chapters through which you can get debt relief and the requirement for each varies. Individual debtors can file for bankruptcy under Chapter 7 or Chapter 13. Since every case is different there is no thumb rule to determine which chapter of bankruptcy is ideal for you to apply for debt relief. Having a bankruptcy lawyer can be an asset in this case. If you would like to consult with experienced bankruptcy lawyers Los Angeles, you can call 888-297-6023 to schedule an appointment.


                  *Are you more than 60 days past due on your mortgage?

                  *Do you own a home?

                  Are you currently working?

                  By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                • Is it Possible to Reopen Your Bankruptcy Case?

                  Is it Possible to Reopen Your Bankruptcy Case?

                  Call: 888-297-6203

                  When people file for bankruptcy, their bankruptcy can either be dismissed because it does not fulfill all criteria, lacks some important document or has valid objections raised against it by creditors; or, the bankruptcy is discharged once all responsibilities are completed (dues are cleared). However, inform Los Angeles based bankruptcy law firm Recovery Law Group lawyers, sometimes, the bankruptcy case is closed without a discharge. Since bankruptcy is a complex process, closure of case without discharge is possible. If this is the case, you will require the assistance of experienced bankruptcy lawyers. You can call 888-297-6023 to schedule an appointment with the best-qualified attorneys.

                  Sometimes, your bankruptcy file might be closed because of a mistake- like not completing the mandatory credit counseling course or worse, completing it and forgetting to attach the certificate. Since the course is compulsory, the lack of certificate might cause your case to be closed without a discharge. Not listing all your creditors and/or your assets is another reason which can cause your bankruptcy file Los Angeles to be closed without a discharge. An experienced bankruptcy lawyer can guide you through the process of reopening your bankruptcy file or you could avoid making these mistakes altogether if you hired an attorney from the start.


                    *Are you more than 60 days past due on your mortgage?

                    *Do you own a home?

                    Are you currently working?

                    By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                  • Is Personal Information Revealed During Bankruptcy?

                    Is Personal Information Revealed During Bankruptcy?

                    Call: 888-297-6203

                    Unable to meet financial commitment is a cause of embarrassment for most people. Majority of them choose to file for bankruptcy to get rid of debts and often avoid letting the news of their bankruptcy out. Many times, they don’t even discuss these issues with their closest friends. Thus, disclosing it to employers or landlord etc. is out of the question. While filing for bankruptcy, a lot of personal information is shared, and this is a major cause of worry for them. Since bankruptcy filing is public information, people are worried as to what happens to the personal information when they file for bankruptcy. Moreover, since disclosing of probable bankruptcy can have an adverse effect on their job, their worry is genuine.

                    According to Los Angeles based bankruptcy law firm Recovery Law Group , when you file for bankruptcy, a notice is sent to all your creditors mentioned in the bankruptcy papers. If you owe money to your landlord, and the name is listed in your papers, they will be notified of your bankruptcy. However, you don’t need to worry about other personal information supplied along with bankruptcy papers to be disclosed during the proceedings. Since your tax identification number or social insurance number is not provided in the bankruptcy papers, you don’t have to worry much.

                    Bankruptcy is aimed to provide financial relief to people who have been struggling with debt. A qualified bankruptcy lawyer will ensure that not only do you get a timely discharge of debts but also that your personal information is protected. If you wish to make maximum use of bankruptcy relief options, you need to call at 888-297-6023 to speak with experienced bankruptcy lawyers Los Angeles.


                      *Are you more than 60 days past due on your mortgage?

                      *Do you own a home?

                      Are you currently working?

                      By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                    • Should You File for Bankruptcy Before or After Foreclosure?

                      Should You File for Bankruptcy Before or After Foreclosure?

                      Call: 888-297-6203

                      Bad situations such as a sudden job loss or any unexpected medical expenses may result in you going under a huge amount of debt. For a person who owns a home, the major concern is what will happen to their home. Being behind mortgage payments can send the creditor towards foreclosing on your property. One of the best ways out of this situation is to file for bankruptcy, suggest Los Angeles based bankruptcy law firm Recovery Law Group lawyers. However, once you decide that bankruptcy is the answer to your problems, the big question is whether to file for bankruptcy before foreclosure or after the foreclosure action has been initiated by the creditor?

                      Another important factor to consider is which chapter of bankruptcy you should file under; Chapter 7 or Chapter 13? A skilled attorney can help decide this by weighing the pros and cons of both the chapters regarding your unique situation. Ideally, you should file for bankruptcy prior to foreclosure proceedings. This is because, if the housing market has been on the downside your home will fetch you less money when sold than you owe in the mortgage. Thus, even after losing your home, your creditor might come after you for the deficiency, depending on the laws of your state. Sometimes, the debt might be canceled; however, you might still end up owing taxes.

                      Filing for bankruptcy opens a lot of avenues. State and federal exemptions might protect your equity in the property so that you might not have to surrender your home. A bankruptcy attorney will be able to guide you better on the best course of action to protect your home from foreclosure when you file for bankruptcy. In case you need a consultation with qualified and experienced bankruptcy lawyers Los Angeles, you can call 888-297-6023.


                        *Are you more than 60 days past due on your mortgage?

                        *Do you own a home?

                        Are you currently working?

                        By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.