Legal Information Disclaimer

Techoclaro is a self-help tool. It is not a law firm and is not a substitute for the advice of an attorney. Techoclaro LLC, 1341 W. Mockingbird Lane, Dallas, TX 75247, makes software that helps people understand their own situation and prepare their own documents. We do not practice law, and we are not a lawyer referral service.

In Texas, the law recognizes that software like this is not the practice of law when it clearly states that it is not a substitute for the advice of an attorney (Texas Government Code § 81.101(c)). Laws differ by state. A lawyer licensed in your state can advise you on your case.

Using Techoclaro — including creating an account, uploading documents, asking the assistant a question, paying for a plan, or talking with a Techoclaro team member or case navigator — does not create an attorney–client relationship between you and Techoclaro or anyone who works for Techoclaro.

What you share with Techoclaro is protected by our Privacy Policy, but it is not protected by attorney–client privilege. Be thoughtful about what you write, especially about facts that might matter in a lawsuit.

Techoclaro gives general legal information: what a law says, what a deadline is, what a notice usually means, and what options people in similar situations often consider. It does not tell you what you should do in your particular case, and it cannot weigh everything a lawyer would.

Findings, deadlines, letters and explanations are generated from the law and from the documents you provide. They can be incomplete or wrong — for example, if a document is missing, unreadable, or out of date, or if the law has changed. Always check important dates against the papers you received and with a lawyer, legal aid office or HUD-approved housing counselor. Never miss a deadline because of something you read here.

Some explanations are written with the help of artificial intelligence. See our AI Use Disclosure.

You are responsible for the decisions you make and the documents you sign, send or file. Letters and forms prepared with Techoclaro are drafts for you to review. You choose whether to use them, you can change them, and they go out in your name.

Courts expect people who represent themselves to follow the same rules and deadlines as lawyers. If you have a hearing or a lawsuit, try hard to get a lawyer or legal aid.

Our bankruptcy and debt pages are education only. They explain in general terms what bankruptcy can and cannot do, the differences between chapters, and what to gather before you talk to a lawyer.

Techoclaro is not a bankruptcy petition preparer (as defined in 11 U.S.C. § 110). We do not prepare, type or file a bankruptcy petition or any other document for filing in a bankruptcy court, we do not tell you which chapter to file or what property you can keep, and we do not handle court filing fees.

Bankruptcy has serious, long-lasting effects. Talk to a bankruptcy lawyer or legal aid office before you file.

Some attorneys, legal aid organizations and housing counselors use Techoclaro PRO to work with their own clients, and some are listed in our free-help directory. They are independent. They are not employees or agents of Techoclaro, and Techoclaro does not supervise, direct, or vouch for their legal work, and does not share in their fees.

If you hire one of them, your relationship — including any attorney–client relationship, fees and duties — is only between you and that professional. Check that a lawyer is licensed and in good standing with the state bar before hiring them. See our PRO Terms.

• Legal aid (free if you qualify): find your local program at LawHelp.org or, in Texas, TexasLawHelp.org. Programs funded by the Legal Services Corporation are listed at lsc.gov.
• Lawyer referral: your state bar or local bar association runs a lawyer referral service. In Texas, see the State Bar of Texas at texasbar.com.
• Housing counseling (free): HUD-approved housing counselors, 1-800-569-4287 or hud.gov/findacounselor.
• Courthouse self-help centers and law libraries in many counties help people who represent themselves.