While the stories are true, they are not indicative of results I can get for any particular client. Each client, creditor and fact pattern are different and so “your mileage may vary.” This book is not a substitute for legal advice, as your situation will differ from what I discuss in this book. This book does NOT create an attorney-client relationship between you and I, and most of what I say is not legal advice. Instead, it is practical advice based on my personal experience. If you have questions, please contact a professional in that field (financial advisor, CPA, etc.), contact my office, or contact a local attorney, especially if you reside outside the state of Florida.