Website Disclaimer

Consent to These Terms of Use

Any reading, review, or use by you of this website must be in accord with the terms and conditions stated here. By accessing, viewing, or using this website, you, the User, indicate that you understand and intend these Terms of Use and Privacy Policy to be the legal equivalent of a signed, written contract and equally binding, and that you agree to such Terms of Use. By accessing or using this website, you are agreeing to be bound by these terms. Please note that Thomas P. Kelly III reserves the right to change these Terms of Use under which this website and its many offerings are extended to you. Your continued use of this website will constitute your acceptance of such changes.

Informational Purposes

The information contained in is not legal advice, and has been prepared by Thomas P. Kelly III for general informational purposes only and does not, and is not intended to, constitute legal advice. This website is maintained exclusively for the purpose of providing general information about legal issues regarding California law, Bankruptcy law, and Federal law to members of the public in need of an attorney licensed to practice in the State of California in Bankruptcy Courts, California Federal Courts, and California State Courts.

No Attorney Client Relationship

The review of, the contents of, or the sending or receipt of information from does not create an attorney-client relationship between you and Thomas P. Kelly III. The attorney-client relationship can only be created with a written retainer agreement. The information provided at this website is not privileged and does not create an attorney-client relationship with Thomas P. Kelly III.


Communications with Thomas P. Kelly III through is not considered privileged or confidential. If you wish to have a privileged and confidential conversation regarding the information contained in then you must contact Thomas P. Kelly III either by email at or by telephone at 707-545-8700.


The web site is a California Electronic Media Advertisement. It is not in any manner an advertisement or solicitation for legal services outside the state of California. Thomas P. Kelly III is also admitted to practice in the State of Oregon and the District of Columbia. Absent an express written agreement to the contrary, the practice of Thomas P. Kelly III is strictly limited to the Courts of the State of California, Appellate Courts of the State of California, United States District Courts in the State of California, the United States Court of Appeals for the Ninth Circuit, United States Bankruptcy Courts in the State of California, and Bankruptcy Appellate Panels located in the State of California. Thomas P. Kelly III will not agree to represent any person or business entity who resides in any state, district, territory, or foreign country other than that of California except where such a client has a legal matter in the State of California before the Courts identified above and such representation shall be governed exclusively by the laws of the State of California and/or applicable Federal law.

Disclaimer of Guaranty

No statement, testimonial, or endorsement contained in constitutes a promise or guarantee, warranty, or prediction regarding the ultimate result or outcome of your legal matter. All previous cases and legal matter set forth in were strictly dependent upon the facts of that particular case or legal matter, and the results will not be the same in your case if based on different facts or circumstances.

Disclaimer of Discharge of Debt

No statement, testimonial, or endorsement contained in constitutes a promise, guarantee, warranty, or prediction regarding the possible discharge of any debt of any kind. Dischargeability of debt or your eligibility for bankruptcy relief cannot be determined until Thomas P. Kelly III is in possession of all required documentation from you regarding your income and assets. Any representation in regarding qualification for bankruptcy or the dischargeability of any particular debt is strictly for informational purposes only.

External Website Links

All links contained in to any other website of a private, governmental, educational, or non-profit entity, or any other website of any kind whatsoever does not state or imply the existence of a relationship between Thomas P. Kelly III and that entity or website. Nor does the existence of that link constitute an endorsement by Thomas P. Kelly III of the contents or accuracy of any other website content.

Grant of License

This Agreement provides you, the User, with a personal, revocable, nonexclusive, nontransferable license to use this website conditioned on your continued compliance with the Terms of Use of this Agreement. You, the User, do not have permission to print or download any materials or information on this website. Further, you the User may not modify, copy, distribute, broadcast, transmit, reproduce, publish, mirror, frame, license, transfer, sell, or otherwise use any information or material obtained from or through this website. As a further condition of use of this website, you the User expressly warrant to to Thomas P. Kelly III and expressly agree that they will not use this website for any purpose that is unlawful or otherwise prohibited by these Terms of Use. Any rights not expressly granted herein are reserved.

Intellectual Property Rights

This website contains registered and unregistered trademarks of Thomas P. Kelly III and third parties. You may not use any Trademarks displayed on this website without the Trademark owners prior written permission. All material contained on this website, unless otherwise indicated, is protected by law, including, but not limited to, United States copyright, trade secret, and trademark law, as well as other state, national, and international laws and regulations. Please be aware that Thomas P. Kelly III actively and aggressively enforces his intellectual property rights to the fullest extent of the law. Removing or altering the copyright notice on any material on this website is prohibited. Thomas P. Kelly III also owns a copyright in this website as a collective work and/or compilation, and in the selection, coordination and arrangement of the content of this website.

Express Instruction to Seek Legal Counsel

The reading or review of and any of the contents of does not constitute legal advice, and anyone reading this information must first seek legal counsel prior to commencing any form of legal action whatsoever. Thomas P. Kelly III does not agree to any attorney-client relationship of any kind through the publication of any information contained in You should not take any action based upon any information contained in without first contacting Thomas P. Kelly III either by email at or by telephone at 707-545-8700 or first seeking the assistance of alternate legal counsel.

IRS Circular 230 Disclosure

To ensure compliance with requirements imposed by the IRS, be advised that no information contained in can be used or relied upon for the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein. Nothing in constitutes tax advice of any kind whatsoever without exception. You must consult a tax professional regarding any tax question, and may not rely on any information in as tax advice from Thomas P. Kelly III.

Debt Relief Agency

Thomas P. Kelly III and is a debt relief agency as defined by Title 11, United States Code 101(12(A)), and provides assistance for filing petitions for relief under the Bankruptcy Code.

Governing Law, Jurisdiction and Venue

Thomas P. Kelly III has his practice in Santa Rosa, California, USA. These Terms of Use shall be governed under the laws of the State of California without regard to its conflicts of law provisions, and the California statute of limitations shall apply. All actions or proceedings arising out of or relating to these Terms of Use shall be venued exclusively in the Sonoma County Superior Court if a matter of state law, or the Federal District Court for the Northern District of California, San Francisco Division. By use of this website, you hereby irrevocably consent and submit to the personal jurisdiction of said courts for all such purposes.

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