Compare Reviews for Virtual Receptionists and Answering Services
A virtual receptionist service takes the place of a traditional receptionist and provides an automated answering service. Virtual receptionists have grown increasingly popular because they can handle a higher call volume and answer phones 24/7. They can also cost substantially less than hiring someone to do the same job in person.
Many types of businesses benefit from having a virtual receptionist to improve call response times and provide a better customer experience. Businesses can choose from several different types of services depending on their need.
Top 10 Most Reviewed Virtual Receptionists and Answering Services
|Read 146 Reviews|
Answer 1 provides a range of virtual receptionist services including call screening, appointment scheduling and order processing. The company’s services are available 24/7 for all types and sizes of businesses.
|Read 108 Reviews|
Abby Connect provides virtual receptionists to businesses with receptionists that accept, screen and transfer incoming calls with customized greetings. The company is owned by TelAssistant LLC and is headquartered in Nevada.
|Read 75 Reviews|
Founded in 2005, Davinci Virtual Office Solutions provides virtual office, receptionists, mail forwarding services and more. Clients can hold meetings at over 4,000 spaces all over the world. Prices start at $99 per month.
|Read 42 Reviews|
Alliance Virtual Offices is a business service company that provides an office address, live receptionist, virtual phone system and rentable meeting spaces for small businesses and self-employed and work-from-home professionals.
|Read 11 Reviews|
LiveVoice, part of TeleServices Direct, is headquartered in Illinois. Their U.S.-based call center agents respond to leads, offer customer service and serve as virtual receptionists.
|Read 63 Reviews|
Conversational Receptionist is a company that offers virtual receptionist for large or small businesses. Conversational Receptionist has teams located in United States and Canada to provide quality and support around the clock.
|Read 10 Reviews|
Call Ruby uses live professionals who provide virtual receptionist services so clients can make strong first impressions and work away from their desks without missing important calls. Call Ruby offers a 21-day, risk-free trial.
|Read 10 Reviews|
AnswerNet provides virtual call center services for companies that work numerous industries, including commercial vehicle, financial, real estate, pharmaceuticals and insurance. AnswerNet has 28 locations in North America.
|Read Expert Review||Be the first one to rate this company|
MAP Communications provides answering and call center services for clients in several industries, including property management, education, healthcare and hospitality. New clients can get a free trial or request facility tours.
|Read Expert Review||Be the first one to rate this company|
Professional Communications Messaging Service provides high-quality operators who can answer phone calls, take orders and schedule appointments for companies in practically any industry. They also offer a free quote to start.
The ConsumerAffairs Research Team believes everyone deserves to make smart decisions. We aim to provide readers with the most up-to-date information available about today's consumer products and services.
What features matter most?
Answering services and virtual receptionist prices vary widely depending on the size of the company, the call volume it handles and the contracts in place. Hidden fees and up-charges for different service levels may turn an affordable solution into a money pit. Be aware of the types of charges you could see on a virtual receptionist invoice.
- Pay by the minute: Many virtual receptionist services charge by the minute. The longer your average call lasts, the higher your bill will be.
- Monthly fees: In addition to the per-minute charges, many services charge a monthly service or subscription fee. Some calling minutes may be included in the plan, so be sure to audit the bill to avoid unnecessary overages.
- Tiered pricing: Answering services can be a glorified voice mailbox or a fully staffed receptionist service. Many providers offer several tiers of service with pricing to match.
Accuracy and responsiveness
A traditional receptionist gives customers their first impression of your business. An automated answering service or virtual receptionist does the same, so you want a company that provides accurate menus and timely service.
- Call transferring: Any virtual receptionist should be able to route calls to the right extension. Make sure there are menus that allow callers to search by both name and department when calling in.
- Intuitive menus: When clients call, they should be able to navigate phone menus with ease. Make sure the most commonly needed menu options are first, and always have an option to speak with a live person, at least during business hours.
- Answer time: The answering service should pick up calls quickly. Consumers may not be as satisfied with the service they receive if they are placed on hold for a long period of time.
- Average call handling time: A lower average call handling time indicates an answering service capable of quickly answering questions. If you pay by the minute, you will save money if representatives answer questions and address problems quickly.
Virtual receptionist companies and answering services offer services ranging from basic messaging to full-service customer interaction. Even the automated portion has a variety of features that can improve your operations.
- Scalable extensions: The number of extensions available in the virtual receptionist software will determine how many employees can be reached through the service. Make sure any company you choose can scale up the number of extensions to meet your growing needs.
- Software integration: CRM integration helps turn a virtual receptionist or answering service into a lead generation and customer service tool. Some services include a basic CRM with the answering service while others integrate with your existing software platform.
- Basic and advanced calling features: A virtual receptionist should be able to transfer calls between departments, but an advanced service might include additional calling features like scheduling, appointment setting, information gathering and more.
- Telephone payments: If many customers call in to pay a recurring bill, it is a good idea to offer some form of automated payment processing. This frees up customer service representatives to handle questions and concerns.
- Voicemail transcription: Voice-to-text transcription sends a written email or text when a voicemail comes into the office phone line.
- Emergency notification: The answering service operator sends a high priority call directly through the phone line or provides emergency notification to the company.
No two businesses are the same, and there is no one-size-fits-all receptionist solution. Look for a company with the options you need, whether that is with an automated system or live operators.
- Menu flow: The way menus are set up and push calls are put through can dramatically impact customer satisfaction. Customized menus allow businesses to control flow for optimal efficiency.
- Directory control: Waiting for a third party to add and remove names from the company directory can cause delays and confusion. When the business has direct access to the auto-attendant and programming, updates can be handled as they happen.
- Voice options: Most menus use a digital voice recording that may not sound very personable. By recording menu options using a voice actor or company employee, businesses can add a human feel to an automated answering service.
- Expertise: Some companies offer service from a staff with additional knowledge of your company’s field. Those who answer calls may be familiar with industry-specific terms, be able to answer questions related to a special skill set or be subject-matter-experts with extensive knowledge of your industry.
Virtual receptionist services can be message recording only or live call answering with transferring available. Investigate the different plans and service levels offered by each service provider.
- Live operator: When a real person answers the phone, inbound callers are more likely to have a favorable reaction to the call. Live operators can answer questions, take messages, record customer information and other tasks.
- Maximum call volume: Some services will only answer a single call per line at a time, while others offer greater flexibility with a larger maximum incoming call volume.
- Guaranteed wait times: Some services provide guarantees on how long it takes to answer incoming calls. Some try to answer every call within three rings, while others set wait time at 30 seconds, with additional hold time after answering.
- Hours: Look for a service that can answer calls during the hours your customers expect to be able to reach your company. Virtual receptionist companies and answering services may offer some or all of their services 24/7 or during hours to serve a global clientele.
Inbound and Outbound
An answering service or virtual receptionist might only answer basic questions for inbound calls, or it might offer outbound calling services like appointment scheduling.
- Inbound messaging: Most virtual receptionist services offer messaging services and can record incoming calls for later response.
- Inbound full service: Some companies offer live operators to handle more complex questions and sales in addition to customer service.
- Outbound calling: Companies that offer outbound calling might have a service roster that includes sales, appointments and other clerical duties, making these services more like a traditional receptionist.
What are different types of virtual receptionists and answering services?
This type of answering service uses a computerized call system. Customers may be able to complete a variety of actions, like check their balance or make a payment, without speaking to anyone. Additionally, these systems may simply provide calls with information, like hours of operation.
These services may or may not offer a human operator, but they all include message recording. If they do have live operators, messages might be transmitted in a written format, rather than as a recording.
In addition to messaging services, these types of virtual receptionist companies also transfer calls when needed. Transfers might be to a different internal extension, to a landline or a mobile phone. These lines may be staffed by live operators or may be automated.
Live answering service
Most answering services use live operators to interact with callers. Some virtual receptionist companies might guarantee the same representatives for every call. Others use a rotating list of potential operators to handle incoming calls.
Scripted call center
When working with a full-service call center, businesses can send in a script that might include sales and customer service best practices.
Industry-specific answering services offer advanced technical and subject matter help for callers.
Inbound and outbound
A virtual receptionist service that includes both inbound and outbound calling might be better described as a virtual assistant. These services often include light clerical duties in addition to handling calls and appointments.
Who's it for?
The cost of maintaining a full-time receptionist might be prohibitive to a small business with a limited budget. Outsourcing this service can help save money and offer 24-hour service.
Health care providers
Many health care providers are required to have an after-hours answering service to handle emergency calls. They need a service that includes transfers and messaging and may benefit from a service that offers outbound calling.
These busy professionals may spend many hours out of the office. Having an answering service lets them take inquiries while working with existing customers.
These large companies coordinate work across states and national boundaries, making it challenging to route calls effectively. Rather than staffing a large switchboard, they often find it more cost-effective to work with a third-party call center.
Answer 1 prides itself on providing virtual receptionist services as an extension of clients’ businesses. With receptionists available 24/7/365, Answer 1 provides lead qualification, appointment scheduling, and traditional answering services along with enhanced support and business tool integration. Backed by industry-leading technology, Answer 1 strives to provide an exceptional experience so clients may concentrate on business growth.
- Industry specific receptionists: Answer 1 receptionists are trained and placed into industry-specific teams to ensure your current or potential clients are speaking with someone with the same knowledge as someone in your office.
- Lead qualification & appointment scheduling: Answer 1 is one of the only virtual receptionist service providers that offer 24/7/365 lead qualification and appointment scheduling.
- Enhanced customer support: Answer 1 can work with your business to provide end-to-end solutions to help you deliver a best in class customer experience.
- CRM integration: From the initial phone call or email, Answer 1 technology allows for vital client information be put into your system in near real time.
- Best for: entrepreneurs, small and medium-sized businesses in the legal, commercial, professional, medical and IT fields looking to cut costs and grow their business.
Abby Connect offers U.S. based, off-site, live virtual receptionists that simplify customer service needs for busy professionals and businesses by skillfully handling incoming calls at a reduced cost in comparison to hiring a full-time employee. The company's virtual assistants filter calls through a screening process based on the client's needs to ensure that all necessary calls are transferred to the right people and right departments.
- Multiple means of communication: The company saves time with prompt delivery of messages using multiple communication methods including text and email.
- Reduce overhead: Abby Connect will reduce costs and need for hiring a full-time employees.
- Triage responses: The receptionists filter very important calls that require immediate attention from calls that can wait.
- Attentive customer service: Abby Connect offers quality customer service with a cheerful personality.
- Custom options: The company offers versatility with flexible options for using the service part-time, full-time or for taking overflow calls.
- Best for: This service is best for entrepreneurs, small businesses and working professionals such as lawyers or doctors whom are short on time.
Conversational focuses on creating pleasant reception experiences for callers and businesses. They can handle all aspects of reception for small businesses, including taking calls, scheduling appointments and forwarding calls to the right department. Their new virtual assistant service provides additional features such as travel planning, social media marketing and typing correspondence.
LiveVoice offers lead response, customer service and virtual receptionist services to large and small businesses in a variety of industries. It is a part of TeleServices Direct and is headquartered in Illinois.
- 24/7 support: Business looking for overflow, busy or full-time customer support can get help from LiveVoice. The company offers services for both phone and chat support around the clock.
- HIPAA compliant: LiveVoice has a HIPPA compliant message delivery system in place, so businesses in the healthcare industry can feel secure in selecting them for phone services and support.
- Lead response: LiveVoice representatives can respond to a lead from an e-mail or web form in as little as 60 seconds. The quick response helps businesses get potential customers’ attention before their competition does.
- Training: All LiveVoice agents go through extensive training before they begin answering calls. The company uses software and online programs to train agents for clients’ specific needs. After agents begin answering calls, they are assessed daily, and their assessment is tied to their compensation.
- Free trial: Interested consumers can sign up for a one-month free trial from LiveVoice. Consumers can request information about the free trial online or by phone.
- Best for: LiveVoice has services to meet the needs of businesses in the medical, legal, real-estate and technology industries as well as many other small businesses.
Alliance Virtual Offices is a small business solution that provides an office address, local or toll-free telephone number, live receptionist and meeting rooms in your company name. Its services are ideal for self-employed, mobile and work-from-home professionals who need an occasional office space to meet with clients, a receptionist to take calls and an official office address to receive mail and packages.
- Live receptionists: Alliance Virtual Offices employs a large team of receptionists based in Las Vegas, Nevada, who are trained to answer your incoming calls in a professional and personalized way. You can customize the exact script the receptionist will use when answering client calls, and seamlessly have calls transferred to your cellular or other phone during your working hours.
- Virtual phone system: A virtual phone system, also known as a VoIP phone, allows your company to set up a corporate-type phone system for less money. Alliance Virtual Office’s virtual phone system offers conference calling, dial by name directories and more.
- Local meeting rooms: Alliance Virtual Offices offers its clients physical meeting spaces in major cities throughout the world, including Los Angeles, New York, Sydney, Dallas, Melbourne, Houston, London, Beijing, Tokyo, Brussels, Paris, Las Vegas and more. Find the location nearest you by searching your zip code on their site’s location finder.
- Flexible booking hours: If you need to book a meeting room for only a few hours a week, you can pay by the hour. Some locations allow for half- or full-day bookings, so you won’t have to pay for the room longer than you need it.
- Virtual office location: If you need to have mail or packages delivered to you under a professional name and prefer not to use your home address or a P.O. Box, you can opt to use a virtual office location through Alliance Virtual Offices.
- Notary service: In order to have mail delivered to your virtual office address, you will need to complete a CMRA (Commercial Mail Receiving Agency) form to authorize Alliance to receive your mail. You can expedite and simplify this process by using Alliance’s online notary service at no extra cost.
- Best for: business start-ups and self-employed, mobile and work-from-home professionals.
A Better Answer is a 100 percent female-owned and operated answering service operating for 30 years. They handle legal, medical and general business answering needs with live operators and features such as customized message delivery.
- Anytime forwarding: Companies adjust their call forwarding anytime they want with A Better Answer.
- Priority caller list: Live operators get a list of numbers to automatically forward when calls come through.
- Customizable message delivery: Businesses receive messages at a customized interval.
- Legal and medical teams: A Better Answer offers virtual protectionist teams specializing in legal and medical requirements.
- Customer service management: The answering service company can head up an entire virtualized customer service department for a company.
- Best for: Businesses with specialized needs can get custom services tailored to their exact requirements, such as medical teams needing urgent call forwarding.
Alphapage works with companies looking for medical call and call center services. They offer a wide range of inbound answering service features, such as call screening and dispatching, with a web-based platform that's easy to use.
- Top-of-the-line equipment: Alphapage uses the latest technology to power its infrastructure.
- Live and automated options: Businesses have a choice between live operators or automated answering solutions.
- Dispatch services: Companies requiring dispatching can outsource this service to Alphapage.
- eResponse: Alphapage's answering services also cover a company's email address.
- Greeting box: A recording with basic business information screens customers who don't need to talk to a live person.
- Best for: Large companies get a tech-forward answering service with dispatch and medical paging services, email answering support and quick screening features.
With 28 call centers in North America and hundreds of employees, AnswerNet offers services designed for companies of all sizes.
Serving more than 2,300 businesses and individuals, Ruby Receptionists has focused on providing a human connection to inbound calling since 2003. This company has numerous awards, including the prestigious Fastest Growing Company in Oregon Award, which it has won seven times.
Founded in 1990, MAP Communications is an employee-owned business, making every operator invested in client success.
- Real-time analytics: See how much value MAP Communications brings by monitoring call volume and other critical metrics in real time.
- Free trial: Try MAP Communications for seven days before committing to its service or a specific pricing level.
- Customized service levels: Instead of predetermined pricing tiers, MAP Communications lets businesses buy as much or as little service as needed.
- Industry compliant: Some industries have regulations that must be followed, and MAP has programs that meet these requirements for health, legal, financial and other industries.
- All day answers: MAP Communications does not close after normal business hours. It answers calls with live operators at all hours of the day or night.
- Best for: This custom virtual receptionist service is ideal for small businesses, contractors, health care providers and enterprise companies.
PCMS is a family-owned business that has been operating since 1962. With more than 50 years of experience in answering phones, Professional Communications Messaging Service has a reputation for excellence.
- No hold times: PCMS advertises a faster than industry-average answer time, and it doesn't put calls on hold to handle other clients.
- Custom service and pricing: Businesses receive a customized quote for the exact package of services needed.
- Health and medical specialty: PCMS offers programs designed to meet the needs of health care providers, and it helps doctors meet regulatory requirements.
- Small business and professional plans: While services are customizable, PCMS has packages designed with small businesses and busy professionals in mind.
- Event registration: Not only does PCMS offer a full range of call center services, but it also offers assistance with event planning and registration for out of the ordinary call volume.
- Best for: This virtual office solution is designed for small businesses, contractors, health care professionals and enterprise companies.
Intelligent Office is a full-service virtual administrative center that offers a range of services to businesses and professionals in need of messaging services, meeting rooms and more.
- Virtual meeting rooms: Intelligent Office creates virtual meeting spaces where you and your colleagues or clients can talk, exchange files and interact as if in your own meeting space.
- Virtual call center: Service staff are on hand to answer your calls 24/7 and help clients deal with any number of queries, requests and issues.
- Appointment scheduling: Support staff can contact people at your request to arrange appointments and save you time.
- Shared office space: Intelligent Office provides you with shared office space, up to 50 locations in the United States and Canada, to lower your overhead costs.
- Virtual assistance: Virtual assistants are on hand to help you with all kinds of tasks, from event planning to answering emails.
- Best for: This service is ideal for small businesses, enterprise companies and contractors.
American Answering Service is a family-owned and operated virtual administration center. The company serves the United States.
- Message faxing: American Answering Service understands that your messaging needs and those of your clients aren't always as simple as using the telephone. For this reason, faxing, email, text messaging and voice mail are included in your package.
- 24-hour service: Clients can reach you at all hours of the day and night, any day of the week.
- Live operator: When they call your office, clients reach a real person who can help them to address any issue.
- Various messaging plans: Plans start as low as $35 per month, with various price points to suit your budget. Packages are based on the number of calls taken by service representatives.
- Contact options: It is easy to get in touch with American Answering Service support via email, fax or telephone.
- Best for: This service is ideal for small businesses, enterprise companies and contractors.
ReceptionHQ has been operating since 2007 from Phoenix, Arizona. Its operations stretch across the United States and Canada, as well as through Australia and the United Kingdom.
- Call transfer: Receptionists can transfer calls, at your discretion, to any staff member on a mobile phone or landline, anywhere in the world.
- Flexible contracts: Month-to-month and pay-as-you-go contracts make it easy to change your plan whenever you need.
- Variety of budget plans: Four different packages are offered, from as little as $9.95 per month for a dedicated voice mail account. Custom packages are available upon request.
- Uses provided script: Telephone receptionists will use your provided script when answering calls and responding to customers.
- Answers in three rings: ReceptionHQ has made it their goal to answer at least 90 percent of calls to your business within three rings.
- Best for: This service is ideal for small businesses, contractors and enterprise companies.
AnswerConnect is a virtual customer service and reception network that turns the traditional call center on its head. Service providers are all U.S.-based, working from their homes to cut down on commuting, polluting and wasted paper.
Answer America is a pay-as-you-go answering service with multiple locations across the United States. This answering service gives businesses live agents capable of capturing customer information and forwarding messages for companies lacking the resources to handle their own calls.
- Pay as you go: Businesses pay for the calls they receive without any monthly fees or set-up costs.
- 24/7/365 coverage: Answer America provides full call coverage at any time and day of the year.
- Online portal: Businesses receive messages through email, text or a convenient online portal.
- Live operators: Answer America has a fully staffed live operator service for taking messages.
- 50 US locations: US based companies can choose the location closest to their geographic area for a close match on local accents and colloquial speech.
- Best for: Companies get a cost-effective answering service for low call volumes.
Specialty Answering Service started in 1985 in Philadelphia, PA as a startup service. The virtual receptionists receive extensive training with many quality control measures in place so businesses know their calls get handled with professionalism.
- Focused on small businesses: Specialty Answering Service focuses on the unique needs of small business clients.
- Call volume-based pricing: Businesses pay based on the calls they receive so they only pay for the services they use.
- Focused client areas: Virtual receptionists serve a limited number of clients so they can learn each company's specialized needs.
- Three rings or fewer answering speed: Virtual receptionists answer the phone in three rings or fewer.
- Fully custom: Specialty Answering Service provides fully customized plans for small business phone needs.
- Best for: Small businesses wanting to leverage a pay-as-you-go answering service to balance costs and service.
Advantage Answering Plus got its start in a small room in 1992. Today, the company helps businesses handle their inbound callers with a professional touch and quick message delivery.
- Prompt message delivery: Virtual receptionists send the messages to the businesses quickly.
- Live operators: This answering service focuses on live operators to handle incoming call volume.
- Custom call handling: Advantage Answering Plus provides custom call handling services for businesses.
- Daytime virtual reception: Small businesses, freelancers, entrepreneurs and other businesses seeking daytime call handling can use this service while they focus on work.
- Highly trained team: Advantage Answering Plus provides an experienced team for call handling.
- Best for: Companies benefit from a flexible answering service with quick message delivery.
TeleMed provides answering services exclusively for the healthcare industry since 1986. They work with over 45,000 medical providers and handle their answering needs through live operators and secure messaging features.
- HIPAA compliant: TeleMed's answering services and technology comply with HIPAA requirements.
- Backups: Medical offices receive a backup of all messages.
- Works with existing EMR: TeleMed's services work with a medical practice's existing patient software.
- Appointment scheduling: Virtual receptionists schedule patient appointments for healthcare facilities.
- Emergency messaging: Urgent calls and other emergency notifications go through the system and to the right people.
- Best for: Medical providers get a HIPAA-compliant answering service that helps them focus on their patients, instead of spending all their time and resources answering phones.
AnswerFirst provides answering services with a socially and environmentally responsible approach. Their inbound calling features recorded calls available online, quick messaging and email answering support.
- No contracts: Answer First provides pay as you go answering services.
- Call forwarding: Virtual receptionists forward calls to the client on the closest phone.
- Multiple message delivery options: Companies can access messages via four channels.
- Reservations: Professional receptionists take down reservations and handle the schedule for a company.
- Email handling: Many companies also need help with email answering, which this service provides.
- Best for: Small to mid-size businesses benefit from a no-contract answering service with email support.
PATLive, founded 25 years ago, is a North American answering service with 24/7 coverage. They feature live operators experienced in taking messages from callers, appointment scheduling so businesses can focus on their work and many answering coverage options.
- Data entry: Receptionists enter information into a lead-generation database.
- Event registration: Businesses can outsource event registration processes.
- Messaging: The receptionist creates a brief call log.
- After hours/lunch coverage: This service covers lunch and after hours.
- Overflow: Businesses dealing with unusually high call volume get help before customers get frustrated.
- Best for: Companies get a variety of answering services that cover call volume the businesses cannot handle, efficient call logging and even complementary services such as data entry.
Cloud VO, founded in 2004, provides Workplace-as-a-Service, which gives mobile workers, freelancers and smaller businesses access to a professional answering service, office space rentals and other professional services as needed. These services help smaller businesses handle their calls without distracting small teams from their work at hand.
- Designed for freelancers and virtual businesses: Smaller businesses can outsource their call needs and focus on growth.
- Auto Attendant: The automated phone system helps route the call to the right person without involving a live operator.
- Live receptionist: Small business customers receive a professional greeting and are directed to the right information or person.
- Call patching: Seamless transfers make the customer think the answering service is in house.
- Outbound calling: Outbound calls let businesses focus on core duties while the answering service handles this work.
- Best for: Small and virtual businesses get a cloud-based answering service solution.
Contact Communications focuses on U.S.-based contact centers over the past 20 years. This answering service lets businesses greet all callers with a live person who can follow the company's custom script.
- A la carte pricing: Businesses pick and choose which answering service options they want.
- Quick set up: Contact Communications gets businesses up and running within 24 hours.
- Live operators: Live receptionists give a professional feel to the answered calls.
- Customizable: Companies have significant flexibility with this answering service.
- HIPAA compliant: Contact Communications offers answering services meeting regulatory requirements for medical professionals.
- Best for: Companies of any size get more time to focus on their core business needs, while Contact Communications provides flexible services with live operators.
Sunshine Communication Services, based in Florida and founded in 1975, offers answering services available on a 24/7 basis. They help businesses handle inbound calling with professional receptionists, trained customer service agents and data entry services.
- Industry specialization: Sunshine Communication Services offers answering services for legal, medical and property management companies.
- Bilingual: English- and Spanish-speaking receptionists help more customers.
- HIPAA compliant: The medical answering service solutions are fully HIPAA compliant.
- Personalized IVR: An Interactive Voice Response (IVR) system is loaded with a personalized response flow.
- Telephone traffic reports: Companies review reports to look at call volume and other metrics.
- Best for: Companies get an answering service with receptionists experienced with industry-specific needs, such as medical practices.
Information in this guide is general in nature and is intended for informational purposes only; it is not legal, health, investment or tax advice. ConsumerAffairs.com makes no representation as to the accuracy of the information provided and assumes no liability for any damages or loss arising from its use.