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The Legal Paperwork is Critical

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Hospital surgery is not something to be terrified about. Advances in technology, anesthesia, and necessary medical procedures make a trip to the hospital much safer than many years ago. However, there is still the chance something could go wrong. Failure to prepare can make it even worse.

The hospital is committed to keeping a person alive unless instructed to do otherwise. It means that life support systems maintain individual. It may not be what the patient wants, but if there is no authorization the life support continues indefinitely.

A reaction to anesthesia or a certain procedure could result in an individual becoming comatose That’s a dangerous situation if there are no instructions on what to do. A group legal plan that allows for medical powers of attorney is essential. Continue reading

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College Debt Must Be Managed

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There usually is a graduation speaker who urges students to take some time off and go exploring. It may sound inviting, but it is not a good idea. Many students have the six-month grace period before the student loan payment bill comes in. That is when reality hits like a slap in the face. That space of time goes by fast, and the new graduate must be ready for a significant cost. It can impact the financial wellness of anyone.

The size of the monthly payment can be substantial. That is very understandable because many students have debt burdens in the high five to even six-figure categories. It can be comparable to a mortgage payment for some. Many young people have their budgets blown off the road trying to make the payments needed. A forbearance is an option, but it is a risky one. Sooner or later those bills have to be paid, and a student may be paying them for decades. There may be some options they are not aware exist. Countrywide Pre-Paid Legal Services recognizes the confusion a young graduate may have. Our financial wellness program includes assistance handling the repayment of student loans. Continue reading

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Dealing with Agencies More Efficiently20111126_FNP001_0-300x168

Paper appears to define bureaucracy. There is so much for all types of activities and privileges. A person needs a license for fishing but also for various other things such as a driver’s license or a hunting license. You may need a building permit to put an addition onto your house or to build a new home, and they’re all kinds of applications for various things a person wants to do. All the paperwork can be both confusing and frustrating. Government clerks adhere to certain regulations. Anyone who misses a deadline or provides the wrong data can expect to go back to square one. Countrywide Pre-Paid Legal Services wants to end the anxiety about dealing with government paperwork. Our group legal plan benefit includes assistance in dealing with government agencies at all levels.

Dealing with All the Papers

People require having forms explained to them, and the Countrywide nationwide network of attorneys is there to help. Our seasoned legal professionals will sit down with a plan member and, as part of pre-paid legal services, explain what the government agency wants to have. He or she will also point out various deadlines and explain the importance of them. This person will also tell where to get additional information so that the application is airtight. If a face-to-face meeting with a government official is necessary, the lawyer will let a plan member know what to expect and how to handle the situation. These kinds of tidbits of advice make for a less stressful meeting with that bureaucrat. Continue reading

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There are Many Options for Financing a House 

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Americans still think of owning a house as a big part of the American dream. They want to be able to have the same type of shelter their parents enjoyed, but many people think that owning a home is not realistic. The price of housing is high, and folks have other debts. These all make an individual hesitate before trying to buy a house. Countrywide Pre-Paid Legal Services firmly believes that the American dream is still there for people to enjoy. Our financial wellness program is intended to assist people in making the decision to buy a house.

Knowing All the Options

The conventional mortgage is what most people think about when it comes to home purchases. Yes, the standard 30 – year mortgage is still available, but there are some other options. Those other possibilities are not common knowledge, and learning about them is going to help in the final decision. Countrywide has a nationwide network of certified housing counselors who deal with financial wellness. These professionals are part of a homebuyer education course, “Make Your Move”, that can provide the very best information about financing a house acquisition. Continue reading

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Countrywide Lawyers have Superior Communication Skills 

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Communication is a cornerstone of every Countrywide group legal plan. We understand how essential it is for effective pre-paid legal services. Many people are understandably confused about legal issues. They do not deal with them daily. When they face an issue such as a warranty problem or the need to draft a will, anxiety goes right up through the roof. Countrywide Pre-Paid Legal Services wants to help

A Complete Service Package

The assistance we provide is more than just a web page. We want our group legal plan members to be able to talk to an attorney directly. Our nationwide network of lawyers allows for face-to-face conferences to be easily arranged. We also permit unlimited telephone calls to a lawyer on any given situation. It may appear to be a small consideration, but these phone calls help answer questions which may arise after the conference. Such attention allows channels to be open in communication to flow back and forth. Continue reading

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Countrywide Will Make Them Go Away

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Hospitals and credit card companies want their money. Neither have a reputation for lots of patients and what they consider to be overdue bills will cause problems for an individual. Bill collection agencies are often used to extract payments from delinquent debtors. The process gets frightening. These companies do not hesitate to threaten people with serious consequences. Loss of credit ratings, repossession, and the hint of court proceedings are all intended to get a person to pay what is owed. The treatment causes lots of anxiety because a person is worried about financial wellness being undermined. Help is needed and should come from seasoned veterans. Countrywide Pre-Paid Legal Services has the answer.

We are aware of the scare tactics the bill collection agencies employ. We have a nationwide network of certified counselors who are experts at restoring and preserving financial wellness. Anyone who is in danger of being harassed will find the advice given by one of our counselors to be a godsend. Simple things, such as not paying the hospital bill until the health insurance company has paid their portion, are not always known by a layperson. Our counselors can explain various ways of keeping the bill collection agency from the doorstep. Continue reading

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Good Advice Makes All the Differencespider-pocket-189x300

We all face challenges with money no matter how old we are. Millennials have difficulty setting up budgets, but older employees fret about retirement. It ‘d be great to be able to take charge of finances and have a better cash flow going in and coming out. It sometimes takes seasoned advice to develop reliable financial wellness.

Finances can make a person feel he or she is juggling far too many balls in the air. People are accustomed to a mortgage payment on a car loan, but others have to deal with student loan payments, harsh credit card problems, and any other number of bills needing cash. It is easy to have the trees block and hide the forest. People don’t always know how to handle a budget properly. They’re not stupid; things are just too complicated. Countrywide Pre-Paid Legal Services sympathizes with this kind of confusion. We have a financial wellness program that is intended to help people take better control of their financial situation. Continue reading

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Countrywide Will Solve Them

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People get frustrated with warranties. Everyone thinks that this piece of paper covers all repair work done to a product. It is not always the case. The language of the warranty is going to decide what is covered by the warranty and what is not. Warranties are written in legal language, and people get confused. A group legal plan that allows for attorney assistance is essential.

The terminology can vary from one product to another. For example, a bumper to bumper warranty, which ordinarily covers a new car for up to three years, is something that a car dealer is going to offer. A powertrain warranty is an additional protection which gives repair assistance for the transmission, the engine, and other parts that will last for as much is five years. However, a factory warranty has very specific limitations. A lawyer who gives pre- paid legal services can point out that damage caused by hail might not be covered. Continue reading

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You are in Charge of Your Estate

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Not preparing a will appears to be second nature for many people. It is not the easiest chore to do, but it is an essential one. There are a lot of advantages to drafting a will when one thinks about it. In fact, the benefit of preparing a simple will is a reason why it is a commonly used option in any group legal plan.

You Decide

  • The Beneficiaries. We all are going to die, and an estate may be left behind. You have the opportunity with a will, even a simple one, to determine who gets what of your remaining assets. You can also direct how any money or property is going to be distributed. Because you have stated your wishes in a legal document, your decision is final.
  • The Executor. This individual is the person who will make sure your wishes are carried out. The executor has a considerable amount of power over the estate, and you can choose who will be the person responsible. That designation allows you to pick a person whom you know and whom you trust.

Continue reading

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Some Extra Schooling Helps a Personal Budgetstockfresh_867429_girl-at-spring-field-in-fog-time_sizeS-300x200

We all need to stop criticizing Millennials. They are not lazy or irresponsible, and they do not think the world owes them a living. This group happens to be more technically aware than earlier generations, and they have a lot to contribute. The challenge they face when it comes to financial wellness is inexperience. They are new to the workforce, and they have not dealt with budgets or major bills in the past. Some financial education will go a long way to helping them out.

It is more than just a seminar once a year. Millennials need a little more help with their financial wellness, depending on the individual situation. Dealing with collection agencies or reestablishing credit are major issues, but sometimes things as elementary as grocery shopping tips will help relieve a lot of stress. Countrywide Pre-Paid Legal Services recognizes a need for these young people to get some good advice and sensible suggestions. We have a financial wellness program to help Millennials adjust to the working world. Continue reading