Terms and Conditions


COPE™ is not a law firm and does not provide legal advice. COPE™ cannot and does not draw legal conclusions, provide legal advice or apply the law to the facts of your particular situation. Its services are not a substitute for the advice of an attorney.

COPE™ can only provide self-help services at your specific direction. COPE™ provides a general understanding of the law. It offers general information on legal issues commonly encountered in the collection process to assist individuals who choose to prepare their own legal documents and represent themselves in a court of law.

Your use of COPE’s™ services does not create an attorney client relationship. COPE™, its management, its employees and its contractors are not acting as your attorney. Communications between you and COPE™ are not protected by the attorney-client privilege or work product doctrine.

Laws frequently change, vary from jurisdiction to jurisdiction and are subject to differing interpretations by individual courts and administrative agencies. Therefore, COPE™ cannot guarantee that all the information it provides is completely current, accurate or applies to your particular circumstances. You should consult a licensed attorney in your area for legal advice concerning your specific situation.

COPE™ is not responsible for any loss, injury, claim, liability, or damage related to your use of its program, whether from errors or omissions in its content. Your use of the material provided by COPE™ is at your own risk.