Terms of Service

1.Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and Debt Clarity LLC ("Debt Clarity," "we," "us," or "our"), a Florida limited liability company operating at debt-clarity.com.

By accessing our website, submitting a service request, making a payment, or using any of our document preparation services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

If you are using our services on behalf of another person, you represent that you have the authority to bind that person to these Terms.

2.Not a Law Firm — No Legal Advice

Debt Clarity LLC is a document preparation service only. It is not a law firm, and no attorney-client relationship is created between you and Debt Clarity at any time.

Debt Clarity does not:

• Provide legal advice of any kind
• Recommend legal strategy or courses of action
• Evaluate the strengths or weaknesses of your legal position
• Represent you in court or in any legal proceeding
• Advise you on whether to file, settle, or pursue any legal option
• Review documents for legal sufficiency, accuracy of legal claims, or compliance with applicable law

All documents prepared by Debt Clarity are prepared solely from the information you provide to us. We organize, format, and structure your words and facts into a properly formatted court document. You are responsible for the accuracy and completeness of all information you provide.

Communications between you and Debt Clarity are not protected by attorney-client privilege.

If you need legal advice about your rights, your defenses, your likelihood of success, or whether to accept a settlement offer, you must consult a licensed attorney in your state. Debt Clarity can provide a referral to a licensed consumer attorney upon request.

3.Our Services

Debt Clarity provides document preparation services to self-represented (pro se) consumers who have been named as defendants in debt collection lawsuits. Our services include the preparation of the following types of documents, based on information you provide:

• Answer to Complaint: A formatted response to a debt lawsuit summons and complaint, reflecting the facts and positions you provide.
• Motion Documents: Motions prepared at your direction and based on the grounds you specify.
• Discovery Documents: Interrogatories, requests for production, and discovery responses based on your input.
• Settlement Documents: Settlement agreements and payment arrangements based on terms you decide upon.
• Hearing Documents: Written statements, exhibit lists, and other documents you request to bring to a court hearing.
• Revisions and Updates: Modifications to previously prepared documents at your direction.

All services are quoted at a flat fee, disclosed to you before any work begins. Debt Clarity reserves the right to decline to prepare any document at its sole discretion.

Debt Clarity does not file documents with any court on your behalf. You are responsible for filing, serving, and submitting all documents we prepare.

4.Your Responsibilities

By using our services, you agree to the following:

Accuracy of Information

You are solely responsible for the accuracy, completeness, and truthfulness of all information you provide to us. Debt Clarity prepares documents based entirely on what you tell us. If the information you provide is false, incomplete, or misleading, the resulting document may be inaccurate, and Debt Clarity bears no responsibility for the consequences of that inaccuracy.

Review Before Filing

You agree to review all documents prepared by Debt Clarity carefully before signing or filing them. You are responsible for confirming that the document accurately reflects your intended position and for verifying all deadlines, court addresses, and filing requirements applicable to your case.

Independent Legal Consultation

You acknowledge that Debt Clarity has strongly recommended that you consult with a licensed attorney regarding your case. You understand that choosing to proceed without an attorney is your decision alone.

Acknowledgment of Non-Legal Status

By placing a service order with Debt Clarity, you confirm that you understand and agree that:

• Debt Clarity is not a law firm
• No attorney-client relationship exists
• No legal advice has been or will be provided
• All decisions about your case are yours alone
• Debt Clarity is not responsible for the legal outcome of your case

Lawful Use

You agree to use our services only for lawful purposes. You may not use our services to prepare fraudulent, false, or perjurious documents, or for any purpose that violates applicable law.

5.Payment and Fees

All service fees are quoted to you upfront before any work begins. By authorizing payment, you agree to pay the quoted fee in full.

• Flat-fee pricing: Each service is priced at a flat fee disclosed to you in advance. There are no hourly charges, no hidden fees, and no charges for routine communication about your order.
• Payment due at order: Payment is required before document preparation begins, unless otherwise agreed in writing.
• How you pay: After your order is confirmed, we send you a secure invoice through QuickBooks (Intuit) that you can pay online. No card details are collected or entered on this website.
• Additional documents: If you request additional documents beyond your original order, those will be quoted separately and require separate payment authorization.

6.Refund Policy

All sales are final. Debt Clarity does not offer refunds once a service order has been placed and payment has been received. By submitting payment, you acknowledge and agree that you have read and understood the scope of our services and that no refund will be issued under any circumstances, including but not limited to:

• A change of mind after payment
• Dissatisfaction with the legal outcome of your case
• An adverse court ruling or judgment
• Your decision not to file the documents we prepared
• Your failure to review documents before your court deadline
• Settlement or resolution of your case before documents were needed

Why No Refunds

Document preparation work begins promptly upon payment. Our team dedicates time, resources, and attention to your order immediately. Because this work is performed specifically for you and cannot be reused or resold, payment is non-refundable once received.

To request your complimentary revision or inquire about additional revisions, contact us at hello@debt-clarity.com within 14 days of document delivery. Revision requests submitted after 14 days of delivery may be treated as a new order.

7.Intellectual Property

All content on the Debt Clarity website — including text, design, graphics, logos, and software — is owned by Debt Clarity LLC and protected by applicable intellectual property laws.

Documents prepared by Debt Clarity for you are your property once delivered and paid for. You may use them solely for the purpose for which they were prepared — filing in connection with your personal legal matter. You may not resell, distribute, or use our document templates for commercial purposes.

You grant Debt Clarity a limited license to use the information you provide solely for the purpose of preparing your requested documents.

8.Confidentiality

Debt Clarity treats all information you share with us as confidential. We will not disclose your personal information, case details, or documents to any third party except as described in our Privacy Policy or as required by law.

Please note that confidentiality under these Terms is a contractual obligation — it is not attorney-client privilege. If we receive a valid court order, subpoena, or legal process requiring disclosure of your information, we may be required to comply.

9.Disclaimers

Our services are provided "as is" and "as available" without warranties of any kind, express or implied.

Specifically, Debt Clarity makes no warranty or representation that:

• The documents we prepare will be accepted by any court or opposing party
• The use of our documents will result in a favorable legal outcome for you
• Our documents comply with every court's specific local rules (you are responsible for verifying local requirements)
• Our website will be available at all times without interruption or error
• Information on our website is current, complete, or error-free

You use our services entirely at your own risk. Debt Clarity is not responsible for any adverse legal outcomes, default judgments, or other consequences arising from your case.

10.Limitation of Liability

To the maximum extent permitted by applicable law, Debt Clarity LLC and its members, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of a legal case or adverse court judgment
• Wage garnishment, bank account freeze, or other enforcement of a judgment
• Damage to credit rating or financial standing
• Any loss arising from reliance on documents we prepared
• Any loss arising from your failure to review documents before filing
• Any loss arising from missed deadlines where Debt Clarity delivered documents on time

In all cases, our maximum liability to you for any claim arising out of or related to our services shall not exceed the total amount you paid to Debt Clarity for the specific service giving rise to the claim.

11.Indemnification

You agree to indemnify, defend, and hold harmless Debt Clarity LLC and its members, officers, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of our services
• Any inaccurate, false, or misleading information you provided to us
• Your violation of these Terms
• Your violation of any applicable law
• Any claim by a third party arising from documents we prepared at your direction

12.Termination

Debt Clarity reserves the right to refuse, suspend, or terminate services to any client at any time, with or without notice, if we determine that:

• You have provided false or fraudulent information
• You are attempting to use our services to prepare documents intended to deceive a court
• You have violated any provision of these Terms
• Continuing to provide services would expose Debt Clarity to legal, reputational, or regulatory risk

In the event of termination, no refund will be issued. As stated in Section 6, all sales are final and payments are non-refundable regardless of the stage of work at the time of termination. If termination occurs before document delivery, any work already completed on your order will be forfeited without compensation.

Sections 9 (Disclaimers), 10 (Limitation of Liability), 11 (Indemnification), and 13 (Governing Law) survive termination of these Terms.

13.Governing Law and Disputes

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

Informal Resolution

Before initiating any formal dispute, you agree to contact us at hello@debt-clarity.com and give us a reasonable opportunity — at least 30 days — to resolve the issue informally.

Binding Arbitration

If informal resolution is unsuccessful, any dispute, claim, or controversy arising out of or relating to these Terms or our services shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court, except as follows:

• Either party may bring claims in small claims court if they qualify
• Either party may seek injunctive or other equitable relief in court for intellectual property violations

Class Action Waiver

You agree that any dispute will be resolved on an individual basis only. You waive any right to participate in a class action lawsuit or class-wide arbitration against Debt Clarity.

Venue

To the extent any dispute proceeds in court, you agree that it will be resolved exclusively in the state or federal courts located in Florida, and you consent to personal jurisdiction in those courts.

14.Changes to These Terms

Debt Clarity reserves the right to modify these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, notify existing clients by email.

Your continued use of our website or services after any changes constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using our services. We encourage you to review these Terms periodically to stay informed of any updates.

15.Contact Us

If you have questions about these Terms or our services, please contact us:

We aim to respond to all inquiries within 3 business days.