These are self-help programs. Self-help programs are not a good idea even in the so-called simple situations. Self help means you wrote it yourself and have no one else to blame. There are just too many underlying factors that need to be taken into consideration to rely on them. Ask yourself these questions:
Statutes regarding the practice of law are put in place by the legislature to protect you, the consuming public. A major online legal document company is now being sued for the unauthorized practice of law in order to protect the public.