National Consumer Law Center publications are designed to provide authoritative information concerning the subject matter covered. Use other sources for recent developments not incorporated in the print or online versions of our publications or for special rules for individual jurisdictions. When using a print edition, always use the most current edition and always refer to the digital version that will contain additional material not found in the print edition. At any point in time, this treatise's print and digital versions may not include the latest law changes or examine every issue related to a topic. This publication cannot substitute for the independent judgment and skills of an attorney or other professional. Non-attorneys are cautioned against using these materials to conduct a lawsuit without advice from an attorney and are cautioned against engaging in the unauthorized practice of law.