Refund Policy

You may cancel your agreement with us for any reason within three business days from the date you signed it and receive a full refund of any funds paid to us during this period.

If you feel unsure about the level of success that we’ve achieved on your behalf, you can request a warranty evaluation of your case progress. As long as you have complied with the terms of your membership agreement, we believe you should not have to pay for ineffective service:

ETM has a one year warranty. The law mandates we cannot promise or guarantee results. However, we do offer a warranty. We understand how important your time and money are, so we have created a simple process to assure you that we will perform the work as described in the Service Agreement.

To honor our commitment to you, our warranty offers a full or partial refund of your monthly fees or one-time payment, after 180 days of service, (or if you are a returning previous client, after your first six months of service following your reinstatement), if we cannot demonstrate progress with your case. After you have been a client (or reinstated client) for twelve months or more, and you feel unsure about the level of success that we’ve achieved on your behalf, you can request a warranty evaluation of your case progress.

You will receive a full or partial refund of your monthly or one-time payment fees if the following are true as a result of the warranty evaluation:

• We cannot demonstrate progress on your case, or, that we failed to provide agreed upon services as outlined in the Service Agreement.

• You were a “participating” client, meaning you paid on-time each month, you have forwarded to us on a timely basis, all of the necessary documents which enables us to perform work on your case.

• You have been on our service for a minimum of four months.

• You provided a new copy of your credit report and scores within 30 days of beginning your case.

• You provided a new copy of your credit report for analysis after four months of service, or at the time you choose to cancel and want us to determine if the warranty applies.

All fees paid are for document preparation ONLY.  If you choose to pay upfront or monthly, please understand that you are paying for the document preparation to be done on your behalf ONLY.

For ALL services (including credit) if it is determined you are due a refund, our accounting department will issue a refund to you within 30 days of your initial request. Our goal is to provide excellent service. If as a client you have received no service, or partial service, you will be refunded accordingly. Any questions, email: creditladyinfo@gmail.com