Question 17 17. What is an exculpatory clause? O A provision in a contract that relieves a party from liability O A required element to prove defamation O A provision in a contract that assigns liability O A part of the "boilerplate" provisions of a contract O A part of the judge's ruling deciding who is liableQuestion 18 18. What is the first step in filing a lawsuit? O the answer O testimony O depositions O the complaint O discoveryQuestion 19 19. Victoria owes her credit card company, Visa, $30,000 on her credit card, and declares bankruptcy. Which of the following statements is a true statement? O The bankruptcy laws do not permit debt owed to credit card companies to be discharged in bankruptcy O Visa likely has a priority claim against Victoria and will be paid before any other claims O Visa likely has a secured claim against Victoria in which the debt will be paid by selling items Victoria bought with her Visa card O Visa will likely be at the "back of the line" among Victoria's creditors, and may or may not be repaid by Victoria O Visa likely has an unsecured claim against Victoria and Visa can take immediate possession of any of Victoria's tangible assets that it can find to assure paymentQuestion 20 20. Under the US Constitution, which of the following is not a right that is protected by the First Amendment? O a free press O the right to assemble peaceably O freedom of speech O freedom of religion O due process