Effective Date: April 1, 2026 · Last Updated: March 29, 2026
Not Legal or Financial Advice
Chapter13Leads is a data aggregation service. Nothing on this platform or in our lead data constitutes legal advice, financial advice, or investment advice. You should consult a licensed attorney before contacting any bankruptcy debtor, and consult a licensed real estate professional before making any investment decision.
Public Records Basis
All bankruptcy filing data is sourced from publicly available federal court records. This data is public information and its collection and distribution is lawful. We do not access sealed records, private financial information, or any data not available through public channels.
Equity Estimates Are Not Appraisals
Equity estimates provided in our lead data are calculated using third-party automated valuation models (AVMs) and publicly available lien information. These are estimates only and should not be relied upon as appraisals or guarantees of property value. Actual equity may differ materially based on property condition, encumbrances not reflected in public records, market conditions, and other factors.
No Guarantee of Investment Results
Chapter13Leads makes no representation that use of our lead data will result in successful real estate transactions, profitable investments, or any particular business outcome. Real estate investment involves substantial risk. Past performance of any investment strategy is not indicative of future results.
Compliance with Applicable Law
Subscribers are solely responsible for ensuring their use of lead data complies with all applicable federal, state, and local laws, including but not limited to the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, and any applicable real estate licensing laws. Chapter13Leads assumes no liability for subscriber non-compliance.
Bankruptcy Debtor Contact
Contacting a debtor who is in an active Chapter 13 bankruptcy proceeding may be subject to the automatic stay under 11 U.S.C. § 362. Consult a bankruptcy attorney before making direct contact with any debtor. Chapter13Leads expressly disclaims liability for any violation of the automatic stay or other bankruptcy law by subscribers.
Data Currency
Lead data reflects filing information at the time of processing. Bankruptcy cases can be dismissed, converted, or discharged after our delivery. We make no guarantee that any lead remains actionable at the time you receive it.
Contact
Chapter13Leads LLC · info@chapter13leads.com · DFW, Texas