Terms of Service

Effective Date: August 10, 2026

IMPORTANT: THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION AND A CLASS ACTION WAIVER IN SECTION 16. THESE AFFECT YOUR LEGAL RIGHTS. PLEASE READ THEM CAREFULLY.

By creating an account, buying a plan, or using askdebtpros.com, you agree to these Terms. If you do not agree, do not use the service.

1. Who we are

Ask Debt Pros is operated by AskDebtPros LLC, a New York company (“Ask Debt Pros,” “we,” “us,” or “our”). “You” means the person who creates an account or uses the service. If you are using Ask Debt Pros on behalf of a business, you confirm you have authority to accept these Terms for that business.

2. What Ask Debt Pros is

Ask Debt Pros gives you scheduled, text-based chat sessions with an experienced debt attorney, along with document review depending on your plan.

[LESLIE MUST DECIDE: This section needs a clear statement of what the sessions are and what relationship they create. Everything else in this agreement depends on the answer, and so does the Privacy Policy. See the notes file. Do not publish with this bracket in place.]

Ask Debt Pros does not represent you in court, does not file documents on your behalf, and does not contact your creditors for you. If your situation calls for representation, we will tell you, and you are free to hire anyone you choose.

Emergencies. Ask Debt Pros is not for emergencies. If you are facing an immediate deadline, a scheduled hearing, or any urgent situation, do not wait for a session. Contact a licensed professional directly.

3. Who can use Ask Debt Pros

You must be at least 18 years old and able to enter into a binding contract. Ask Debt Pros is intended for people located in the United States.

4. Your account

You agree to give accurate information when you sign up and to keep it current, including your email and billing details. You are responsible for your password and for everything that happens on your account. Tell us right away if you think someone else has access to it. Accounts are for one person and may not be shared, transferred, or resold.

5. Plans, billing, and renewal

Current plans and prices are shown on our pricing page. Taxes may be added where required.

  • Single sessions are a one-time charge. [VERIFY against final pricing]
  • Monthly plans renew automatically each month at the current price until you cancel. By entering your payment details you authorize these recurring charges.
  • Sessions and document review reset each billing period and do not carry over. [VERIFY against Stripe configuration]

We will give you notice before a renewal and before any price change, as required by law. If a payment fails, your plan may be suspended or cancelled.

Payments are handled by a third party payment processor. We do not store your full card number.

6. Cancelling and refunds

You can cancel a monthly plan at any time by logging in to your account. Cancelling stops future charges. It takes effect at the end of the period you have already paid for, and you keep access until then.

[LESLIE MUST DECIDE: the refund policy. Options include no refunds after a session is delivered, a refund window before the first session, or case-by-case. Whatever you choose has to match what Stripe actually does. See notes.]

7. Booking and attending your session

After you buy a plan you choose an available time on our calendar. Sessions are text-based and run for the length shown on the pricing page. Availability is limited and the next open slot may not be the same day you sign up.

  • You will get a confirmation email with a link to your session.
  • You can reschedule or cancel a session up to [VERIFY: notice period] before it starts.
  • If you miss a session without cancelling in time, it counts as used. [VERIFY]
  • If we have to cancel or reschedule, we will offer you another time or credit the session back.

8. What counts as one matter

A matter is one debt issue with one company. If a credit card company is suing you, that is one matter. If a second company is also coming after you, that is a separate matter. Document review covers paperwork connected to the matter you bring to your session.

9. Confidentiality and your session content

We treat what you share during a session as confidential. We do not publish it, we do not sell it, and we do not allow it to be indexed by search engines. We do not claim ownership of the documents or information you send us.

We may use anonymized, aggregated information about how the service is used to improve it. That never includes your identity or the details of your situation.

Our Privacy Policy explains how we handle your information generally. [LESLIE MUST DECIDE: the privileged-versus-confidential question from Section 2 has to be answered identically here and in the Privacy Policy.]

10. How you may not use Ask Debt Pros

You agree not to:

  • Share your account or use it on behalf of other people
  • Use the service to prepare advice or work product you sell to others
  • Give false information about your situation or your identity
  • Use the service for anything unlawful, or to plan anything unlawful
  • Harass, threaten, or abuse anyone using the service
  • Scrape, copy, or automatically collect content from the site
  • Use the site or its content to train any artificial intelligence system
  • Try to get around security controls, usage limits, or access restrictions
  • Copy the service or use it to build a competing product

We may suspend or close your account if you break these rules.

11. Our content

The site, its design, text, graphics, and logos belong to AskDebtPros LLC or our licensors. You may use the site for your own personal or business use as a customer. You may not copy, resell, or redistribute it. Nothing here gives you a right to use our name or logo.

12. Third party services and links

We use outside companies for payments, scheduling, email, hosting, and running your session. Our site may also link to sites we do not control. We are not responsible for those sites or for what happens on them.

13. Text messages

If you give us your mobile number and agree to it, we may text you about your account, such as session reminders. Message and data rates may apply. Reply STOP to opt out. Opting out may mean you miss reminders about your own sessions. [VERIFY: only keep this section if SMS is actually being used.]

14. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT PROMISE ANY PARTICULAR OUTCOME. NOTHING SAID DURING A SESSION IS A GUARANTEE ABOUT HOW YOUR SITUATION WILL TURN OUT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, OR ERROR FREE.

SOME STATES DO NOT ALLOW CERTAIN WARRANTY LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

15. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ASKDEBTPROS LLC AND ITS OWNERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS OR LOST DATA.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT THAT GAVE RISE TO THE CLAIM. [LESLIE: a liability cap tied to fees paid may be limited or unenforceable where professional services are involved. Confirm this cap is appropriate.]

NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT LAWFULLY BE LIMITED. SOME STATES DO NOT ALLOW THESE LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

16. Arbitration and class action waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHT TO GO TO COURT.

a. Talk to us first. If you have a problem, contact us in writing at the address in Section 21 and describe the issue and what you want. We will do the same if we have a problem with you. Both sides agree to try to work it out for 30 days before starting arbitration or filing anything.

b. Arbitration. If we cannot resolve it, any dispute arising out of these Terms or your use of the service will be resolved by binding individual arbitration rather than in court, under the Federal Arbitration Act. Arbitration will be administered by [VERIFY: arbitration provider and rules] and will take place at a reasonable location in the United States convenient to you, or remotely.

[LESLIE MUST DECIDE: who pays arbitration fees, and any cap. Consumer arbitration clauses that make the consumer bear costs are frequently struck down. This needs real drafting, not a placeholder.]

c. Class action waiver. YOU AND ASKDEBTPROS LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE PROCEEDING. Whether this waiver is enforceable is for a court to decide, not an arbitrator.

d. Exceptions. Either of us may bring a claim in small claims court, and either of us may go to court to protect intellectual property rights.

e. Your right to opt out. You can opt out of this arbitration and class action waiver section by emailing [OPT-OUT EMAIL] within 30 days of first agreeing to these Terms. Opting out does not affect anything else in this agreement.

17. Governing law and venue

These Terms are governed by the laws of the State of New York, without regard to its conflict of law rules. For any dispute not subject to arbitration or small claims court, you and AskDebtPros LLC agree to the exclusive jurisdiction of the state and federal courts located in New York.

18. Indemnification

You agree to defend and hold harmless AskDebtPros LLC and its owners, employees, and agents from claims and costs arising out of your misuse of the service, your violation of these Terms, or your violation of the law or the rights of anyone else.

19. Ending your access

You can close your account at any time. We may suspend or close your account if you break these Terms, if we are required to by law, or if we stop offering the service. If we close your account for a reason other than your breach, we will refund any unused portion of a prepaid plan.

Sections 9 through 21 continue to apply after your account ends.

20. Changes to these Terms and to the service

We may update these Terms. If a change is significant, we will let you know by email or by posting a notice on the site before it takes effect. If you keep using the service after that, you accept the updated Terms. If you do not accept them, cancel your plan.

We may also change, pause, or stop offering the service or any part of it. If we stop offering a plan you have paid for, we will refund the unused portion.

21. General

Entire agreement. These Terms and our Privacy Policy are the whole agreement between you and AskDebtPros LLC about the service.

Severability. If any part of these Terms is found unenforceable, the rest stays in effect.

No waiver. If we do not enforce a provision, that does not mean we give up the right to enforce it later.

Assignment. You may not transfer your rights under these Terms. We may transfer ours if our business is sold or reorganized.

Notices. We may send you notices by email to the address on your account or by posting them on the site.

22. Contact us

AskDebtPros LLC
135 Pinelawn Rd Suite 250N,
Melville, NY 11747