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Everyone has dreams. It might be starting a family, buying a house, or anything requiring a sizable cash investment. Recent college graduates, unfortunately, feel their dreams are slipping away. The reason is their student loans

The Debt Is Staggering

Many of these young employees leave school with five or six figures of debt burden. The obligations will take years or even decades to pay off. The size of the debt is life altering for many. They must either delay certain decisions, such as starting a family, or even forego dreams entirely. There are college graduates who are making good wages but don’t understand budgeting. The entire situation increases anxiety and frustration in highly talented workers. Countrywide Pre-Paid Legal Services wants to help these young people realize their dreams. We offer a financial wellness program that works.

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Consumer protection Internet boards try to make fraud nonexistent. Consumers can alert others to faulty products with their posted comments but, unfortunately, it does not mean that the problems go away. There still are merchants who have no problem committing consumer fraud and depriving people of their money.

Consumer Protection Complaints Become Frustrating

These unscrupulous merchants rely on public ignorance of how to process a consumer protection complaint. Moreover, they will use vaguely worded documents to protect themselves. Too often people get warrantees for the wrong services, or do not get what they asked for in merchandise. It can be difficult for somebody to file a consumer protection claim alone. It is more than just the paperwork which will cause frustration.

Evidence of shoddy craftmanship or proof of a deliberate attempt at fraud are critical parts of any consumer protection complaint. It can get complicated and people give up pursuing the case due to frustration or just an inability to file properly. The unethical merchants count on this, and many are not too concerned about threats of filing a case. They know all too well how things will fall apart. It makes it important to have a seasoned professional working with an employee.

Group legal plans need to have a way of protecting people and Countrywide Pre-Paid Legal Services has an option for computer protection assistance.
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Retirement is coming sooner than you think. There will come a day when an employee cleans out the workstation and leaves. What happens next depends on prior planning. An individual must be financially ready. He or she cannot rely only on a company pension. Preparing for retirement requires knowing what you have and what you owe. Countrywide Pre-Paid Legal Services can help.

We have a financial wellness program to give people a better sense of their finances. We have a nationwide network of certified counselors who could assist plan members.

Gaining the Information You Need

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Government spends tax dollars on public services. There is a wide variety of government levels and the services are intended to solve problems. Regrettably, that does not always happen. People might run into an obstacle course trying to get their needs met by public agencies. Help dealing with government bureaucracies something group legal plans should do. Countrywide Pre-Paid Legal Services does assist clients when dealing with the government.

Cutting to The Chase

Government can be a maze of cubicles and getting to the right desk is often just short of amazing. The Countrywide group legal plan has a nationwide network of attorneys. These legal professionals provide many pre-paid legal services and know how to work with public agencies.

People do not always just deal with government because of problems. Often, employees are looking for services which they have a right to request. You can include health for children with educational problems, or other dependents who need help with their medical condition. People are intimidated by the government and are worried they may make mistakes. Countrywide has help available to make it easier to get what is needed.

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Employers want to help with medical bills. Decision makers know the stress and anxiety of health issues and benefits such as health savings accounts (HSA’s) are appreciated. Organizations can go one step further by having a financial wellness plan in operation.

Offering a financial wellness benefits plan will assist employees in addressing issues such as medical bills. The better plans have a nationwide network of certified financial counselors there to help plan members. Countrywide Pre-Paid Legal Services is one of the best in the industry. We not only aid with medical bills, we also have certified counselors all over the country waiting to provide guidance and support.

Medical debt can come from other places besides a hospital. Dental expenses can be as high as minor surgery and a root canal can be costly. The group dental plan will not cover all the fee. Employees might not understand the cost structure of health care. They might think an EOB (Explanation of Benefits) is a bill (it isn’t). Some education about medical charges would help. Countrywide furnishes the instruction.
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o-POWER-OF-ATTORNEY-facebook-300x200Anyone who has watched a loved one die knows how painful it can be. A medical emergency or accident causes a person to be in the hospital on life-support. The doctor tells the family nothing more can be done, and a decision is needed. Who is going to make it? What type of guilt, confusion, and anxiety will wash over the patient’s family? Group legal plans are offering a worthwhile service if they can make the decision easier. It is what Countrywide Pre- Paid Legal Services tries to do.

We have group legal plan options which include living wills and medical powers of attorney. A living will is a straightforward document. Essentially, the living will contains instructions a person provides for medical staff and family. The living will documents what treatments are not desired and when to turn off life support. Continue reading

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Money does matter. It is central to any independent living and younger employees find that out in a hurry. These employees might not have a good idea of how to handle cash. They are receiving their first sizable paychecks and are uncertain what to do.

It could happen that a person does not know where the money is going and ends up at the end of the month using a credit card to get by. That can cause a problem because credit cards charge double-digit interest. It helps to understand budgeting when it comes to financial wellness. Countrywide Pre-Paid Legal Services recognizes that, and our certified counselors are experts in personal budgeting. Continue reading

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Employees are concerned about financial wellness. They budget for loan payments, medical bills, and contribute to a 401(k) retirement plan. These are all financially prudent behaviors, but there is more to fiscal responsibility. Those concerned about personal financial wellness might forget about their dependents.

Estate Realities

An inheritance is not always the path to a pampered life. An estate can pay large bills and help a son or daughter pay for college. People forget about drafting wills and die intestate without a will. This could jeopardize the financial health of survivors. Countrywide Pre-Paid Legal Services helps employees plan for the financial wellness of family members with a simple will plan option. Employees usually don’t require a lengthy document; six pages will suffice. A Countrywide group legal plan attorney can draft a simple will. It is not complicated, but there is power in the paragraphs.

Delays are the greatest challenges to an estate. Probate court takes its time moves at a slow, judicious speed. Things will go even slower when there is no will. Continue reading

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Quite a few people have found themselves in financial trouble since the Great Recession of 2008. They are still trying to recover from the losses and some are deep in a financial hole. Debt brought on by many circumstances will put enormous pressure on individual employees. Their financial wellness is in deep jeopardy.

Countrywide Pre- Paid Legal Services is aware of the suffering of these folks. They might make drastic decisions, and these might lead to life-altering events. Some are willing to risk credit catastrophe because they do not know their options. We know there is a better way. Countrywide has a financial wellness program that we ask employers to consider. Our services are exactly what a person in dire straits needs to get back on the right course. Continue reading

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Learning is not always easy. Too many people are forced to learn life’s lessons the hard way. It is especially true when it comes to financial wellness.

There is a new generation of employees, the Z Generation, coming out of colleges and universities and ready to work. They have great technical skills but are naïve about finances. Those new employees are not used to simple budgeting or domestic finances. They will make bad decisions, like relying on credit cards too much.

They Could Use Some Financial Wellness Education

They need some education and Countrywide Pre-paid Legal Services will furnish it. We have a network of certified counselors who are well versed in personal finances. These professionals will teach a good lesson and not deliver a sour sermon.

College debt is a big concern for new graduates. Countrywide counselors can explain all the payment options. The counselors will help young employees develop a realistic budget to meet ordinary expenses, and plan for future purchases. Other employees will also benefit from our services. Continue reading