The Kender said:My computer has been strange lately. It didn't show all of the replies until today. I'm not too afraid of the copyright stuff though. I'm 12 and don't know the law too well, so how can they sue me if:
1. I don't make any money off of it
2. I have the disclaimers
3. I am smart enough to not claim that any of this is mine
Generally, they'd argue that you're damaging the value of their intellectual property by presenting their work in ways that they did not intend.
For universes designed by modern companies or authors, fan fiction isn't legal, strictly speaking unless explicitly or implicitly authorized (by definition, a tabletop RPG obviously grants the right to produce limited-distribution stories set in that RPG's setting).
Many authors and publishers don't think it's worth the trouble to go after people over fan fiction, but that doesn't mean it's legal.