By an act of the United States Congress, I am a "debt relief agent." The determination of the need for legal services, or debt relief services, and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements. Law changes from place to place and time to time. This website is not and is not intended to be an advertisement outside the state of California. This website is helpful, but is not meant to be legal advice. Thus, it is not a substitute for meeting with an attorney and obtaining specific legal advice. No attorney client relationship has or will be established with Attorney Ronald Wilcox unless and until a written retainer agreement has been executed. Ronald Wilcox is admitted in California.