I've heard of people taking TOS & Privacy Policies from competitors and similar sites, removing any identification and then taking it to a contracts lawyer and having them go over and customize it. They say it makes it a lot cheaper since the attorney has something to work from. I will be trying this method out in the future but if anyone else has done it this way, I'd like to hear about their results.
Although, if you read "Never Eat Alone" to provides a good framework to build from.