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Legal Disclaimer

Rich's Enterprises owns and operates and is not a legal service, debt collection company or credit repair organization. is a self-help site that offers free information to help consumers become educated about their debt and credit rights, especially concerning foreclosures. All information contained herein is designed specifically for consumers who through their own efforts wish to better understand the foreclosure process and to learn how to stop the process in order to save their home.

Legal information is NOT the same as legal advice.

CAUTION: The use of any information contained herein, such as opinions, instructions, suggestions, advice, letters and other similar content is at the user's own risk. You are strongly encouraged to consult with legal and financial professionals prior to making any decision that could have legal or financial consequences to you.

The information provided on is provided for educational and informational purposes only and/or any advice or comments made by any agent or employee of Rich's Enterprises are intended only to educate and assist visitors in their own self-help efforts when dealing with foreclosure and debt and credit management issues.

Access to this web site and all information contained herein is free with the understanding that the authors and publishers are not engaged in rendering legal or financial advice or providing credit repair services. As such, the information provided on this site should not be used as a substitute for professional counseling and advice from certified legal or financial professionals.

While we have made every attempt to ensure the information contained in this web site is accurate and from reliable sources, we are not responsible for any errors or omissions, or for the results obtained from the use of this information.