Legal Disclaimer

The non-client portions of this website have been prepared by Smith & Gromann, P.A. for informational purposes only and do not constitute legal advice and do not necessarily reflect the opinions of the firm. Information provided on this website is provided without warranties either express or implied and may not reflect the most recent legal developments, statutes or case law. This information should in no way be taken as an indication of future results. The firm assumes no responsibility for any errors or omissions in the content set forth on the site. With the exception of the client portions of the site, the transmission of any information on the site is not intended to create, and the receipt does not constitute the establishment of an attorney client relationship between you and the firm. You should not act on any information without seeking legal counsel.

You should not send any confidential information to the site or to the firm until you have agreed to retain the firm to perform legal services you request. Unless you have retained the firm we will not consider any correspondence you send us as privileged or confidential. Even if you retain the firm, the submission of confidential data by e-mail may be intercepted by others. It is recommended that using this means to communicate be done through secure channels and encryption.

All states, territories and other jurisdictions within the United States have statutes, rules and regulations which make it illegal or unlawful for a person or group of persons to hold themselves out as a law firm or attorneys unless they are admitted or licensed to practice law as an attorney. The hiring of an attorney is an important decision that should not be based solely on advertisements. Before you decide, ask us to send you free information about our qualifications and experience. In some jurisdictions this site may be considered advertising. This web site is not intended to be advertising, and Smith & Gromann, P.A. does not desire to represent anyone seeking representation based on viewing this site in a jurisdiction where to the extent applicable, this web site fails to comply with all laws and ethical rules of that jurisdiction. Smith & Gromann, P.A. is unwilling to assume the representation of clients in those states where any material does not comply with state bar requirements and the client is generated as a result of that communication. To the extent that state bar rules in a particular jurisdiction require that Smith & Gromann, P.A. designate a principal office and a single attorney responsible for this website, Smith & Gromann, P.A. designate it's principal office as Verona, New Jersey and Glenn E. Gromann as the attorney responsible for this website. Graphics and photos used on the site are for demonstration purposes only and they do represent or reflect actual members or employees of the firm unless otherwise noted.

In relation to the operations of this website the firm practices federal consumer and banking law. This includes but is not limited to the Fair Credit Reporting Act, The Fair Debt Collection Practices Act, The Credit Repair Organizations Act, The Equal Opportunity Act, The Fair Credit Billing Act, The Fair Credit and Charge Card Disclosure Act, The Electronic Fund Transfer Act, The Consumer Leasing Act, The FDIC Improvement Act, The Home Ownership and Equity Protection Act, The Identity Theft and Assumption Deterrence Act, The Truth In Lending Act, and various federal banking statutes. The firm also engages through duly licensed counsel in litigation, real estate, environmental and other representation. For the states and courts in which our attorneys are licensed please refer to the biography section of the website. The firm does not intend to solicit or advertise to any person in any jurisdiction for legal services wherein attorneys of the firm are not admitted to practice to the extent that such admission is required for the particular type of representation and the firm will decline to represent said parties.

The firm does not intend to operate to represent clients under the aegis of the Credit Repair Organizations Act, the firm is not a credit repair organization and makes no representation or warranty to the extent that any representation provided will improve a clients credit rating, notwithstanding that such improvement may be a by-product of the representation provided. Notwithstanding the same the firm's representation is designed in good faith to comply with all aspects of the Credit Repair Organizations Act and all FTC opinions regarding the same along with all ethical rules associated with legal representation provided.

This site contains links to other internet sites, including that of the Federal Trade Commission and other government sites. Web links are provide to help you locate other resources or information that may provide helpful material to better understand the credit system and to help make informed decisions or assist in the representation process. Smith & Gromann, P.A. does not endorse or sponsor other products on other websites. Smith & Gromann, P.A. specifically disclaims any responsibility for positions or misunderstandings related to links or third party websites.

Related interests. The firm retains support staff, website developers, technology consultants, third-party service providers, paralegals, per diem attorneys, temporaries, support companies, web-hosting and payment processing services, programmers and a wide range of other services. Certain companies are represented by the firm or members of the firm for compensation, are related interests of the firm, its employees or support staff, third party service providers, etc., or otherwise have a relationship direct or indirect with the firm. The firm does not believe that any of these relationships are conflicting or are material to any representation provided.

Unless otherwise noted our attorneys are not certified by the Texas Board of Legal Specialization.

Tennessee law requires that we inform you that this is an advertisement. Certifications of Specialization are available to Tennessee lawyers in all areas of practice relating to or included in the areas of Civil Trial, Criminal Trial, Business Bankruptcy, Consumer Bankruptcy, Creditors Rights, Medical Malpractice, Legal Malpractice, Accounting Malpractice, Elder Law and Estate Planning. Listing of related or included practice areas herein does not constitute or imply a representation of certification of specialization.

The hiring of a lawyer is an important decision that should not be based solely on advertisements, Before you decide, ask us to send you free written information about our qualifications and experience.