Privacy Policy and Disclaimer

Privacy Policy

We collect no information about our users that is not supplied voluntarily through web forms or e-mail.  Any information collected in this manner is never shared with anyone unless expressly requested by the user. We do not sell or reveal user information to anyone.  We may at times collect anonymous tracking information to gauge usage patterns and the popularity of specific areas of the site. As with all other information, these data do not leave our site. Some of this data is gathered through the use of cookies.  Cookies may be deactivated by the user at any time, however session cookies must be enabled to access the private members only portion of this site.  They are not required for this site to function properly. Transparent gifs or pixels may occasionally be used for the same purpose, but these items gather no personal data and have no effect on site use or navigation.

We may use third-party advertising companies to serve ads when you visit our website.  These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you.

Information collected by third-parties

We may allow third-party companies that use tracking technologies, such as cookies or pixels, to record IP information about users who visit or interact with our website.  Our website does not provide any personal information to these third parties.  This information allows them to deliver targeted advertisements and gauge their effectiveness.  Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative which offers a single location to opt out of ad targeting from member companies.


Reproduction of this website, in whole or in part, is prohibited without written permission.  However, we do encourage you to mention and link to the site.

This site is published with the understanding that the publisher is not engaged in rendering legal or tax advice.  We make no guarantees as to the accuracy, thoroughness or quality of the information, and are not responsible for errors or omissions.  The information provided at this site is neither comprehensive nor appropriate for every individual. You are strongly cautioned to verify any information before using it for any personal, financial or business purpose. Do not rely solely on what you find here for making decisions.  This site is provided on the express condition, to which all making use thereof assent, that no liability shall be incurred by the Houston Association of Consumer Bankruptcy Attorneys, Inc. or any of its officers, directors, employees or agents.  We are not responsible for the claims or representations made by advertisers and sponsors.  HACBA does not endorse or recommend the products or services of any company mentioned on our site.

Copyright Notice

Copyright©2011-2014 Houston Association of Consumer Bankruptcy Attorneys, Inc.  ALL RIGHTS RESERVED.  Reproduction of all or part of this site, in any format, without our written consent is strictly prohibited.

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c/o  J. Thomas Black
2600 So. Gessner Rd., Suite 110
Houston TX 77063
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