This page describes how handles information that we learn about consumers when consumers visit our web sites or contact us by email.

If you visit our Web sites to browse, read, or download information:

  • Our "log files" automatically collect and store: the name of the domain and host from which you access the Internet; the Internet protocol (IP) address of the computer you are using; the browser software you use and your operating system; the date and time you access our sites; and the Internet address of the site from which you linked directly to our sites.

  • We use this information only as anonymous aggregate data to determine the number of visitors to different sections of our sites, to ensure the sites are working properly, and to help us make our sites more useful. We do not use it to track or record information about individuals. Generally, we delete this information after one year.

  • We use persistent "cookies" to anonymously track your zip code and numbers you have entered into the means test calculator so that calculations can be completed over several sessions. We do not ask your name or any other personally identifying information, nor do we want it or need it. This site is designed to give general information to the general public.

If you choose to identify yourself when you send us email:

  • We may collect personally identifying information, such as your name, street address, email address, and phone number, and other information you provide to us in order to deal with the issue in the email. We do not share this information with others. .

If you choose to fill in an advertiser's form:

  • Advertisers may include fill-in forms as part of their advertising on this site. These forms collect data that is stored and handled by the advertiser's website and not by Information submitted to an advertiser is a matter governed by the privacy policy of the advertiser. We make no guarantees or assumptions about how your information will be used by the advertiser.

Google's use of cookies

  • Google, as a third party vendor, uses cookies to serve ads on this site.
  • Google's use of cookies enables it and its partners to serve ads to your users based on their visit to your sites and/or other sites on the Internet.
  • Users may opt out of Google's use of ad cookies by visiting the Google ad and content network privacy policy.

Here's how to contact us about:

  • If you have technical problems with the operation of our Web sites, please report them to our Webmaster on the contact page.
  • If you have questions or complaints regarding our privacy policy or use of your information, please contact us at .
  • Our Web sites link to documents located on sites maintained by government agencies, businesses and non-profit organizations. Once you access another site, you are subject to the privacy policy of that site.

Last Updated: May 12, 2016

1. Cookie

A "cookie" is a small text file that a Web site can place on your computer's hard drive in order, for example, to collect information about your activities on the site or to make it possible for you to use an online "shopping cart" to keep track of items you wish to purchase. The cookie transmits this information back to the Web site's computer which, generally speaking, is the only computer that can read it. Many consumers do not know that "cookies" are being placed on their computers when they visit Web sites. If you want to know when this happens, or to prevent it from happening, you can set your browser to warn you when a Web site attempts to place a "cookie" on your computer.


Website and calculator content by Albin Renauer, co-author of How to File For Chapter 7 Bankruptcy (Nolo 2013) website & means test calculator © 2014 RelationalVision, LLC. All rights reserved.