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It is not easy for a foreign employee. That person might be here on an H-1B visa, or have green card status but, either way, he or she is in strange world. Public agencies make it hard for them. Forms require completion and there are administrative deadlines for applications which these newcomers don’t understand. It gets frustrating.

We Explain Bureaucracy

Countrywide Pre-Paid Legal Services understands the problem. We work with all kinds of organizations and the workforce may have a mix of foreign-born and native-born American employees. We believe the newcomers ought to get the assistance they must have and help dealing with government bureaucracies is a Countrywide group legal plan benefit option.

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Graduation is a special time for any student. The long hours and the sacrifice paid off and the individual will walk down the aisle in front of a proud family towards the diploma. This needs to be a time of celebration but that is not always the case. Too many students walk out of the graduation ceremony into a world of debt.

We are talking about student loan debt which can be comparable to the cost of a house. It is a burden that many have a hard time carrying. The amount of the monthly obligation can harm financial wellness if there is no outside support available. Continue reading

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You cannot blame anyone for feeling anxious about debt. The great recession has made many people very sensitive about money. Financial wellness can be endangered by too much debt and that causes a lot of worry. Forward thinking organizations must address this worry and help relieve it.

People ordinarily budget for routine expenses but sometimes events happen unexpectedly. It could be a medical bill or notification that the student grace period has ended. That can toss a budget into a world spin. One can accidently forget to pay the credit card bill on time. That results in penalties. Consumers can get bewildered and this does not help maintain financial wellness.

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Countrywide service makes us one of the best group legal plans vendors. Nevertheless, we know our pre-paid legal services do not cover all legal situations.

American law has many specialty areas. Domestic, adoption, marine and intellectual property are examples. Plan members might have issues beyond the ordinary and need special assistance. Unlike some vendors, Countrywide Pre-Paid Legal Services will not hesitate to make referrals if it is necessary. Outside counsel can be called in on special cases. The cost can be considerable and these attorneys command higher than normal fees, but we help our plan members. Countrywide wants this service to be affordable and fee reductions are a part of any referral. Continue reading

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Millennials and recent graduates take center stage in a lot of business discussions. They certainly are important, but they are not the only people in the office. Middle-aged employees can be found in cubicles and on project teams, contributing their knowledge and experience to the youth and enthusiasm of other employees. They cannot be ignored and they have financial wellness issues. Employers need to recognize that.

There Can Be Some Anxious Moments

Those who have loyally worked for years are looking at the future with much anxiety. They are not in college, but they have children who will be going into college and facing major debts. Medical bills are not something middle-aged employees take lightly Paying these obligations can destroy fragile budgets. Countrywide Pre-Paid Legal Services knows about the worry level of employees who are over 40 years old. We have a financial wellness program that also benefits these people.

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Data breaches are becoming analogous with armed robbery in our society. Hackers can scale security walls of major retail companies. Best Buy is only the latest retail chain to have its data security compromised. Kmart, Saks Fifth Avenue, and Panera Bread have all experienced data theft.

The greatest danger is the volume. Thousands of people are getting their personal financial information compromised. Hackers have become more sophisticated in an industry which is now worldwide. They do more than just set up bogus credit card accounts; they sell batches of data to other criminal organizations. They, in turn, maximize the losses. It is becoming easy for felons to invade credit card and bank accounts.

Countrywide Pre-Paid Legal Services offers group legal plan benefits to organizations, but we do more than that. We also provide identity theft and credit monitoring plans that employers should consider. The financial wellness and safety of their employees may depend upon it. Continue reading

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Working with a government agency can be frustrating. There are a number of rules and regulations which need following and a failure to cross all the Ts and.all the I s can end up with a rejected request. Furthermore, agencies have rules mandating compliance or penalties are imposed. It becomes a serious headache.

Group legal plans should be able to help. Countrywide Pre-Paid Legal Services provides the kind of support that helps in dealing with bureaucrats.

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Millennials have a good reason to celebrate a job offer. It is perhaps the first real job they have ever had, and it means a regular paycheck. Everything seems to be going just right until a certain bill comes into the house which can threaten their financial wellness. It is a notice that payment on their college loan is due. It doesn’t necessarily have to be a government loan, either. It could be loan payment required by a bank or some other institution that does not offer a grace period. The notice can turn a person’s world upside down.

College Debt Cannot Be Ignored

College debt is a major problem and the amount a new employee owes can be substantial. The payment requirement can be as much as their current rent or house payment. The new employee is not someone who is financially savvy. This person might either ignore the notice entirely or seek some drastic means like filing for bankruptcy. It doesn’t have to be this way at all. Countrywide Pre-Paid Legal Services is here to help.

Ignorance, or not knowing what to do, is the biggest obstacle for any Millennial. Their friends might recommend forbearance but that only delays the inevitable. Countrywide believes that education and good advice is the best remedy for college debt. We have a nationwide network of certified counselors. These people are professionals who are there to help people in need of good information; the kind to get them out of a financial mess. Continue reading

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At the heart of all group legal plans are the attorneys providing service. These are legal experts who ought to be very conversant in the law, both national and local. Countrywide Pre-Paid Legal Services understands the importance of having good attorneys to aid our group legal plan members.

The Lawyers Must Have Extensive Knowledge

A Countrywide attorney must be able to manage several options. That individual must write simple wills, offer advice on consumer protection, give guidance on how to deal with a government agency and other matters as well. The Countrywide attorney is in the community and must be familiar with local statutes and regulations. It is because an individual may need certain kinds of advice. Continue reading

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Contracts are a mystery to many people. These are pages of paper with language that ordinarily is not used that spells out obligations and consequences. It can drive a person crazy trying to understand any of the sentences.

The same is true for credit card agreements and that gets a little bit dangerous. People get credit cards and don’t understand the agreements surrounding the use of the plastic. It doesn’t take long for a person to get into the penalty clause area, something they don’t fully understand, and get into serious financial difficulty. Group legal plans should have some way to help people with the legal papers. Countrywide Pre-Paid Legal Services does assist. We help group legal plan members understand those documents they are about to sign.
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