The Frequently Asked Questions, Answers, Ask the Expert and the information provided on this website has been prepared by JC Vision and Associates, Inc. for informational purposes only. It is a topic of interest service to the general public. The information was obtained from various resources such as the US Department of HUD, Federal Trade Commission, Internal Revenue Service, US Treasury, US Department of Justice websites and related web links. This information provided is not legal advice and should be interpreted as legal advice; rather it is general information concerning topics of potential interest and the comprehensive housing services we provide our clients. The information may not be comprehensive, is subject to change, and may not apply to all individual circumstances. Any information received here should be confirmed with the appropriate government agencies or with an attorney, particularly as it relates to your individual circumstance. Do not act on this information without the advice of professional legal counsel, who must evaluate the facts of your situation in the light of current laws before giving you legal advice. The information provided is not a substitute for specific advice of legal counsel familiar with your particular situation. The information provided does not create attorney-client relationship. You may need to obtain professional legal counsel before acting upon any information provided. The author, publisher, host and JC Vision and Associates, Inc. are not providing legal advice to your situation.