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  • Why Abiding by Chapter 13 Repayment Plan is Essential?

    Why Abiding by Chapter 13 Repayment Plan is Essential?

    Call: 888-297-6203

    Filing for bankruptcy is probably one of the worst decisions anyone must take. Admitting that you were unable to manage your finances properly can be quite humiliating. However, once you have decided to go ahead with it, you should ensure that you get a discharge for your debts. Chapter 13 bankruptcy offers debtors a chance to reorganize your debts and pay some portion of it over a period of 3-5 years through a repayment plan. The court-approved plan is an excellent way to get rid of debts and get back on track financially.

    Los Angeles based bankruptcy law firm Recovery Law Group, lawyers inform that the repayment plan is based on your disposable income. However, once the plan is approved, it is essential that bankruptcy filer ensures that payment is made to the bankruptcy trustee every month. In case, he/she is unable to follow the repayment plan, they will be facing consequences far worse than before.

    Inability to stick to the repayment plan might result in the dismissal of bankruptcy which will cause creditors to resume all sorts of collection actions (repossession, foreclosure, wage garnishment, etc.). to ensure that things remain on financial track, the debtor must follow financial restrictions and avoid making unnecessary expenses. Certain debts like child support or alimony are not discharged even after bankruptcy. Thus, the debtor must ensure that these obligations are met along with the repayment plan. Adding on new debts is something that debtors should avoid. In case, some urgent requirements arise, consulting with bankruptcy trustee is recommended.

    If, after following the plan for some time, the debtor finds it too restrictive, they can also request the court to modify the repayment plan to a more feasible one. This can be done only if the debtor shows good faith gesture to go ahead with the plan, despite facing financial difficulty.

    In case you have decided to go ahead with Chapter 13 bankruptcy, but are unaware of the finer nuances, it is important you seek consultation with experienced bankruptcy lawyers. You can call 888-297-6023 to discuss your case with qualified professionals.


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    • Everything You Wanted to Know About the Chapter 13 Repayment Plan

      Everything You Wanted to Know About the Chapter 13 Repayment Plan

      Call: 888-297-6203

      Filing for bankruptcy is often the last option taken by people who have been struggling with debts for a long time. According to Los Angeles based bankruptcy law firm Recovery Law Group lawyers, people have the option of filing under Chapter 7 or Chapter 13. Ideally, Chapter 7 is preferred as it gets rid of all unsecured debts without losing many assets of the bankruptcy filer. If, however, you fail to qualify the means test, you are stuck with Chapter 13. It is therefore important to know what happens in this chapter so that you are prepared to handle what comes your way.

      Here are some of the key facts related to Chapter 13 bankruptcy:

      • Chapter 13 involves a repayment plan where you are expected to pay back your creditors some portion of your debt.
      • The repayment plan lasts for 3 or 5 years depending on whether your average monthly income for the past six months prior to bankruptcy filing was less than or more than the state median respectively.
      • The repayment to creditors is done using your disposable income, i.e. the income which is left after deducting all essential monthly expenses such as housing, food, etc.
      • If your financial situation deteriorates during the repayment plan (loss of a job, unexpected medical expense, ) which results in non-payment of the dues, you can ask for a modification in your agreement by consulting your bankruptcy trustee.
      • After completion of the repayment plan in 3-5 years, you can get a fresh financial start.

      For more details regarding bankruptcy procedure and filing, you can contact experienced bankruptcy lawyers Los Angeles, at 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.

      • Who Can File for Chapter 13 Bankruptcy?

        Who Can File for Chapter 13 Bankruptcy?

        Call: 888-297-6203

        When you realize that there is no way out of debts, bankruptcy might be the logical conclusion. Though, people prefer Chapter 7, very few manage to qualify for it. The other option for people is filing for bankruptcy under Chapter 13. However, lawyers of Dallas based bankruptcy law firm Recovery Law Group, say that it is essential that you qualify for the same.

        The eligibility criteria for Chapter 13 bankruptcy include:

        • Only individuals and not business entities can file for Chapter 13 bankruptcy.
        • If you had previously filed for a Chapter 13 or Chapter 7 bankruptcy and got a discharge, you cannot proceed with Chapter 13 bankruptcy before two years and four years respectively.
        • It is mandatory to attend credit counseling
        • There is a limit capped on your debts in case of Chapter 13 bankruptcy filing in Dallas. You should not have more than $1,010,650 secured debt and $336, 900 unsecured debt. These figures, however, change every three years factoring for inflation.
        • Filing of state and federal income tax returns is mandatory.
        • The repayment plan should include all required debts.
        • Sufficient disposable income must be present to pay the debts through the repayment plan proposed.

        In case you fulfill all the above-mentioned criterion, it is pertinent that you consult with experienced bankruptcy lawyers at888-297-6023 before pursuing the plan further.


          *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.

        • Beware of the Emergency Bankruptcy Scam

          Beware of the Emergency Bankruptcy Scam

          Agreeing to bankruptcy is a decision which takes time. people generally look for options to work out their debts in order to avoid bankruptcy. This is probably because bankruptcy appears on your credit report for 7-10 years. Though it is an excellent way to get rid of debts as well as put a stop to collection actions, lawyers of Dallas based bankruptcy law firm Recovery Law Group, inform that you should be aware of unscrupulous lawyers who are out to get your money in the name of emergency bankruptcy filing.

          Filing for bankruptcy can help you if you are facing repossession or foreclosure on your property. Generally, the procedure involves a lot of paperwork which takes time, even for the most experienced lawyers. When any individual files for bankruptcy, they are required to submit the following documents to the court –

          1. Paystub for the last 6 weeks or longer
          2. Certificate of your successful completion of credit counseling course
          3. Complete list of all your debts and creditors including their addresses
          4. A list of all your assets, your accounts, an approximate value of your assets, etc.
          5. A repayment plan for paying back your creditors in case of Chapter 13 bankruptcy.

          All these documents require time to assimilate, prepare and file. Any mistake in the documents (omission of an important document, missing a creditor name or debt, etc.) can have grave consequences; sometimes leading to the dismissal of the case. If this happens, you are in a worse condition than before. Generally filing for bankruptcy takes 7-10 days’ time.

          Emergency bankruptcy filing option is available in case you are facing imminent repossession or foreclosure issues. In this case, you can file a two-page petition which puts an automatic stay in action preventing all sorts of collection actions. However, you are expected to file the remaining documents within fifteen days of filing the emergency bankruptcy petition.

          This procedure has become a way to earn money by corrupt bankruptcy lawyers who make use of the system to con gullible filers out of their money. These lawyers ask for money to file an emergency bankruptcy petition on your behalf but do not follow it up with the remaining documents. Filing of the petition puts collection actions like threatening phone calls on hold, till your petition is dismissed because of lack of proper documents. This leaves you in a condition worse than before.

          It is therefore important to be vary of advocates who suggest emergency bankruptcy filing when you first meet them. Competent bankruptcy attorneys will take their time to study the case and come up with a suitable plan of action benefiting their client. If you are looking for experienced bankruptcy lawyers for your case, 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.

          • Homeowner’s Equity in Chapter 7

            Homeowner’s Equity in Chapter 7

            Call: 888-297-6203

            Filing for bankruptcy is a tough decision for people. This is like admitting that they have been unable to manage their finances in a responsible way. However, once you have run out of options to get rid of your debts, filing for bankruptcy might be ideal. Individual debtors can choose from Chapter 7 or Chapter 13 bankruptcy, though most prefer the former over latter. It is important to remember that while getting rid of debts, you might end up losing some of your assets when you file for Chapter 7 bankruptcy. As per lawyers of Los Angeles based law firm Recovery Law Group, the government has provided exemptions which can help people protect their assets during bankruptcy proceedings.

            Bankruptcy is a way to allow people to start their lives with a clean slate. This can happen if they are able to retain essentials for living like a home, a vehicle, household furnishings, etc. Both state and federal government offer exemptions, though, it will be foolish to assume that you will be able to save all your assets when you file for bankruptcy. Compared to Chapter 13 bankruptcy, Chapter 7 offers lesser flexibility and lower exemption.

            Bankruptcy filers can choose between federal and state exemptions to protect the equity in their property. The bankruptcy attorney can guide you as to which would be most beneficial for you. If, however, you intend to file for Chapter 7 bankruptcy and are able to qualify for it, it is important that you are aware of the amount of equity you have in your home as well as the amount of equity exempted as per your chosen set of exemptions. Though growing equity in the house is great; but, if you wish to retain your house, having low equity on your home would is an asset.

            The legal language might be complex for ordinary people and therefore it is important for you to hire experienced bankruptcy lawyers for your case. While considering bankruptcy, it is vital that you are aware of the specific requirements of the state and the chapter of bankruptcy you are filing under. Filing for bankruptcy without understanding the complications can drag you into problems worse than you are already facing. To consult with expert bankruptcy lawyers, you can call 888-297-6023 and 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.

            • Can All Debts Be Discharged in Chapter 7 Bankruptcy?

              Can All Debts Be Discharged in Chapter 7 Bankruptcy?

              Call: 888-297-6203

              Among the various chapters of bankruptcy, people prefer to file under Chapter 7. This is because you can eliminate almost all the unsecured debt to lead a debt-free life. However, before you become overjoyed with the idea of getting rid of all your debts, it is important to know that not all debts are discharged, even in Chapter 7 Bankruptcy. Dallas based bankruptcy law firm Recovery Law Group informs you about the different debts which are not discharged in a Chapter 7 bankruptcy:

              • Child support and alimony
              • Student loan debt
              • Debts due to penalties for driving under influence resulting in death or personal injury
              • Tax debts and debts incurred due to non-payment of federal taxes
              • Any debts incurred due to fraudulent activities
              • Debts due to specific fines and penalties
              • Any debts which you failed to list in the Chapter 7 form

              Before you think of filing for bankruptcy, it is important that you take stock of what type of debts can be discharged and what can’t. This will provide you with an idea of whether filing for bankruptcy under Chapter 7 will be beneficial for you or not. In case, you find that Chapter 7 is your best bet for improving finances, you should seek the counsel of an experienced bankruptcy lawyer. If you wish to consult with expert lawyers regarding your bankruptcy, 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.

              • Duties of a Bankruptcy Trustee in Chapter 7 Bankruptcy

                Duties of a Bankruptcy Trustee in Chapter 7 Bankruptcy

                Call: 888-297-6203

                Uncertainty is something people are not comfortable with. Being in financial distress and not knowing what to do can be extremely distressing for people. There are several ways to get rid of debt, bankruptcy often being the last resort. However, once you have decided the option, there are many other things to consider. The various facets of bankruptcy can be quite confusing, primarily being the numerous proceedings associated with bankruptcy. A bankruptcy trustee is appointed to oversee the accounts in case of bankruptcy chapters. According to Los Angeles based bankruptcy law firm Recovery Law Group, a bankruptcy trustee is an unbiased person who handles your bankruptcy case.

                Why is a trustee required?

                When you file for bankruptcy, any property you own becomes a part of the bankruptcy estate. This is a separate entity for you and thus needs to be handled separately. To take care of it, a separate individual is appointed by the court. Different chapters of bankruptcy require different duties from the bankruptcy trustee. In the case of Chapter 7 bankruptcy, the bankruptcy trustee is involved in the liquidation of assets and distribution of the proceedings to the creditors. Various duties of a bankruptcy trustee include:

                • Collecting of non-exempt property of the bankruptcy filer
                • Liquidation of the non-exempt assets
                • Distribution of the proceeds to the creditors
                • Challenge any claims made by creditors who object to your bankruptcy filing
                • Object to discharge of debts if certain debts are non-dischargeable

                The role of the bankruptcy trustee is, thus, an extremely important one. Since many of the proceedings are complicated, it is advisable to have an attorney by your side. You can call 888-297-6023 to speak with experienced bankruptcy lawyers Los Angeles regarding 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.

                • Marriage and Bankruptcy: What Happens If A Person with Great Credit Marries Another Who is Fresh Out of Bankruptcy?

                  Marriage and Bankruptcy: What Happens If A Person with Great Credit Marries Another Who is Fresh Out of Bankruptcy?

                  Call: 888-297-6203

                  Marriage is a big decision, something which should be taken after much deliberation. Since money is often the bone of contention in most marriages which might result in divorce, having money matters sorted prior to getting married is an excellent decision. Unforeseen circumstances can send anyone in financial distress. People who decide to get married to someone who is fresh out of bankruptcy, are often worried about the effect of this decision on their finances.

                  According to Los Angeles based bankruptcy law firm Recovery Law Group, marriage is not going to join the individuals’ credit automatically. If both have their individual accounts without any joint account, they won’t have any shared credit history. Keeping credit histories separate for long after the marriage is, however, a difficult task to accomplish. For any big purchase like a house, you are required to apply jointly so that both names are on the mortgage. In this case, the income as well as credit history of both parties, are considered for evaluating the risk associated on the loan.

                  If one of the partners has a bankruptcy on their credit report, getting new credit, such as that for a mortgage might be slightly difficult. Bankruptcy remains on credit report for a duration of 10 years in case of Chapter 7 bankruptcy and 7 years in case of Chapter 13 bankruptcy Los Angeles. Unforeseen circumstances leading to bankruptcy are manageable but overspending and money management issues will likely wreak havoc in your marriage.

                  Sharing credit reports and being aware of the financial situation of both you and your partner provides you with an opportunity to manage the finances. Discussing things before marriage is advised as you can avoid several problems later. Professional assistance can be taken from bankruptcy lawyers by calling 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.

                  • When Should You Consider Filing for Bankruptcy?

                    When Should You Consider Filing for Bankruptcy?

                    Call: 888-297-6203

                    Filing for bankruptcy is a decision that should be taken after careful consideration regarding the long term implications, say Dallas based bankruptcy law firm Recovery Law Group. This is a sane advice since bankruptcy has serious ramifications which last quite long. Bankruptcy is an indicator of financial risk. The records are public and appear on your credit report. Thus, every lender becomes aware of your financial situation and getting credit, therefore, becomes difficult. Experienced bankruptcy lawyers say that filing for bankruptcy should always be your last option.

                    The most common chapters individuals can file bankruptcy under are Chapter 7 and Chapter 13. In Chapter 7 bankruptcy, no repayment of debts takes place and thus it remains listed on the credit report for 10 years from the filing date. Individuals who file under Chapter 13 repay some part of their debts through a court-approved repayment plan. This type of bankruptcy is therefore removed from the credit report after 7 years from the filing date. Since your credit report is an indicator of your financial stability, mention of bankruptcy for such a long period can ruin your chances of getting any loan. It is therefore important to weigh-in other options before filing for bankruptcy in Dallas.

                    Options other than bankruptcy

                    People are so accustomed to credit cards that living without them seems impossible, and it is difficult indeed. With bankruptcy on your credit report, you will find it difficult to get credit, except at high interest and unfavorable terms. This will affect your ability to get an apartment, utilities, insurance as well as job. It is important that you get the latest copy of your credit report to assess the debts you owe. You should also seek counsel from a qualified financial advisor for alternatives to bankruptcy. It is possible that through careful budget planning, you might be able to repay your debts over a period, especially if you could get the lender to agree for debt consolidation or debt settlement.

                    • In debt consolidation, your debts are combined into a new account. You make just one monthly payment towards this new account to diminish your long-standing loan. Smart budgeting can help you catch up on past payments without the risk associated with bankruptcy.
                    • Debt settlement, on the other hand, involves negotiations with creditors to accept an amount less than the balance or reduce the interest rate so that the debt can be settled. Though this also portrays you in a negative light, the repercussions are less severe than bankruptcy.

                    If you are in no position to pay your debts, bankruptcy might be the best possible option available. It puts an end to all collection actions like repossession, wage garnishment, foreclosure, etc. and gives you time to get hold of your finances. Since bankruptcy filing is a decision which should not be taken lightly, it is advisable to consider experts before filing it. You can call 888-297-6023 to consult with experienced bankruptcy lawyers.


                      *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.

                    • Rebuilding Credit After Bankruptcy

                      Rebuilding Credit After Bankruptcy

                      Call: 888-297-6203

                      Everything takes time. Neither does a person become bankrupt overnight, nor does building your credit. Though bankruptcy is an effective way to get rid of a huge amount of debt, it has repercussions too. It can tank your credit score like anything. Since bankruptcy becomes public record, your efforts to get a loan might be extremely difficult for a long time. Chapter 7 and Chapter 13 bankruptcies remain for ten and seven years respectively on your credit reports. This is because the majority of your debts are discharged without paying anything in the former case, while in the latter case, some portion of the debts is repaid through a repayment plan. Lawyers of Los Angeles based bankruptcy law firm Recovery Law Group, say the situation is not permanent and can be reversed with some efforts on your part.

                      All accounts mentioned in bankruptcy remain on your credit report for a duration of seven years, from the time they were delinquent or bankruptcy filing date. However, it does not mean that you will be stuck with bad credit and unable to get a loan again. Making certain decisions can help rebuild your credit. These include:

                      • Paying bills on time. Managing your finances is important and the primary step to rebuilding credit. Paying your rent, mortgage or other loans on time can improve your chances of getting credit in the future.

                      • Create and live as per budget. Bankruptcy involves a compulsory course for financial counseling which helps you to better manage your finances. The primary step involved is- creating a budget, avoiding excessive spending and taking on additional debt.

                      • Keep making student loan payments. Student debts are not discharged in bankruptcy; hence you should keep making payments towards this debt. Timely payments will help rebuild your credit score.

                      Qualifying for a new credit card will take time after bankruptcy. Though initially, you might find it difficult, there are ways to improve your chances of getting a standard credit card. One of the best ways is to get a secured card so that you do not indulge in overspending. In case of a secured credit card, the card issuer is given a security deposit which provides a spending limit on the card. Through this, you can easily build your credit after bankruptcy. You can use it every month to pay bills regularly to improve your credit history. Ensure that the secured credit card issuer reports your payments to credit bureaus.

                      Another way of improving your credit rating is by asking a family or friend with good credit to assist you. You could either ask them to co-sign your loan or credit card or get yourself added as an authorized user for someone else’s credit card. However, this has risks involved as if you default, they will be held responsible for paying back your debts. This can alter your relationships; therefore, you must carefully consider this option before choosing it.

                      Managing debts is an integral part of rebuilding credit score. Another option for individuals is the credit-builder loan. This involves small sums with repayment expected within a couple of years. The interest rate is generally high (up to 10%). Before choosing this option, find out if the lender reports to credit bureaus.

                      Having legal assistance is important to get through bankruptcy. Call 888-297-6023 to consult with experienced lawyers.


                        *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.