Disclaimer and Disclosure

Policies: Turnaround Time

In general, we will send your completed documents within 7-10 days from the time you provide the necessary information. Often, we can send your documents in less than 7-10 days. However, we do not guarantee faster turnaround unless you submit payment for Rush Delivery and we agree to it. If you need document preparation for an Answer or other time-sensitive documents, we will make every effort to meet your deadline. We try, but cannot guarantee, to complete Answers and return them to you within three calendar days.

Questionnaires

For documents other than those related to family law, we collect your information through a questionnaire. We send the questionnaire after you submit payment. Please answer all questions as completely as possible. If something does not apply, enter N/A. Handwritten questionnaires may be returned to you with a request to type them or may incur additional charges beyond our flat fee.

Revisions/Corrections

It is your responsibility to proofread, check facts, and ensure the documents are correct. If you find errors, please contact us as soon as possible, and we will make corrections and resend at no additional charge. Minor revisions are free at our discretion. We request that you proofread your documents promptly. We cannot guarantee that even minor revisions will be made at no charge if requested more than 30 days after receiving your documents. Revisions requested more than 30 days after you have received your documents may incur additional charges. Please proofread thoroughly. While we strive to prepare error-free documents, mistakes can happen. Please try to find all errors at once and request corrections only once. Debt Advisor Zmart or any associated legal document preparers will not be held responsible for any mistake, error, or omission in preparing these documents.

Document Storage

As far as we know, we are under no obligation to store your documents. As a courtesy, we generally retain your documents for 30 days but do not guarantee this. We may store them for 30 days in case you request minor revisions or corrections. If you request revisions or corrections on documents prepared more than 30 days ago, you are required to send the documents in a format that can be revised, such as a .doc, .docx, or .rtf file. We cannot correct or revise PDF documents.

Payments

First-time payments for all document preparation services must be paid in advance. If you need another payment method, such as a money order or Western Union, please let us know in advance so we can accommodate you. Established customers may pay after the work is completed and will be billed when the documents are ready to be sent. In that instance, we will advise you of the cost of your documents based on the time logged and then send you a request for payment. Payment is due immediately upon receipt of the invoice. Documents will not be sent until payment has been made. In some cases, at our sole discretion, we may allow our valued customers to pay after they have received their documents.

By submitting payment to Debt Advisor Zmart, you confirm that you are authorized to use the credit or debit card provided. Any claim of unauthorized use made to your bank for services provided is considered fraud. If you have a dispute, it is your obligation to notify us so that we can resolve it, not to dispute your payment as unauthorized. The service we provide is custom-tailored to your situation.

Commitment Fee

A $35.00 fee applies if you are more than 20 minutes late to a scheduled appointment, whether virtual or in person, or if you fail to show up without providing 24-hour notice.

Bounced Check

If your check is returned for insufficient funds, we will charge you $25.00 plus any fee charged to us by our bank. Future payments will only be accepted by cash or certified funds.

Refunds

All payments are final. Refunds will be issued at our sole discretion. We will work with you to resolve disputes as quickly and amicably as possible. We may issue a refund if no document preparation work has begun, but we are not obligated to do so. We consider document preparation work to have begun when we have collected information from you verbally or sent you a form or questionnaire to collect your information. We may, at our discretion, issue a full or partial refund even if work has begun. Issuance of a partial or full refund is not an admission of errors in preparing your documents. Any refund issued is an attempt to defuse a potential dispute. Refunds may be sent via paper check through U.S. Mail. If you inadvertently overpaid, we will refund the difference so that you pay the correct amount. Our system does not allow us to issue refunds until the following day.

Agreement

First-Time Customers – We may answer questions before you decide to use our services; however, our obligation to you officially begins when you make payment. If, before making payment, your inquiries by phone or email require undue time, we will direct you to make payment immediately. We may also advise that future phone calls and email correspondence will be charged.

Privacy

We do not keep customer data. Payments are made through a third party, and we never have access to your credit card information. This site is directed towards adults, and we will not knowingly contact anyone under 18, even if they requested services. We do not share consumers’ contact or personal information with any third parties.

Disclaimer

Debt Advisor Zmart is not a law firm and is not acting as your attorney. This informational and legal document service is not a substitute for the advice of an attorney. We cannot provide legal advice and can only provide self-help services at your specific direction. We are not permitted to engage in the practice of law and are prohibited from providing any advice, explanation, opinion, or recommendation about possible legal rights, remedies, defenses, options, selection of forms, or strategies. We do not predict outcomes and have no responsibility to know whether your documents are legally sufficient. This site is not intended to create an attorney-client relationship, and by using this site or our document preparation services, no attorney-client relationship will be created. Instead, you are representing yourself in any legal matter you undertake. As part of our document service, we review your answers for completeness, spelling, grammar, and internal consistency of names, addresses, etc. Although we review your documents for typographical errors and proofread them before delivery, you are ultimately responsible for correcting any and all errors. As a matter of policy, we will make corrections and minor revisions at no additional charge. At no time do we review your answers for legal sufficiency, draw legal conclusions, provide legal advice, or apply the law to the facts of your situation. This site and its services are not a substitute for the advice of an attorney.

If you need legal advice for your specific problem, or if your issue is complex, you should consult a licensed attorney in your area. We are not responsible for any loss, injury, claim, liability, or damage related to your use of this site or any site linked to this site, whether due to errors or omissions in the content of our site or any other linked sites, the site being down, or any other use of the site. In short, your use of the site is at your own risk.

Court filing fees are never included in our document preparation fees. Court filing fees are separate and must be paid directly to the clerk of court when you file.