During this constantly evolving situation, presented by the COVID-19 pandemic, we want to assure you that Countrywide Pre-Paid Legal Services is fully operational and well positioned to navigate this challenge and will continue providing the services you have come to count on from us. We are available by phone or email.

stockfresh_2662466_last-will-and-testament-concept-of-estate-planning_sizeS_124228-300x196End of life financial planning is centered on maintaining a person’s estate. Financial products such as burial insurance is intended to protect the estate from funeral expenses and living wills can prevent deductibles from draining away financial assets. The essential part of any end-of-life financial planning is a simple will. It is the best way to keep the probate court from dominating the final distribution.

 

The Danger of No Will

 

A person who dies intestate has left this world without leaving behind a will to give instructions on how to distribute the estate. It results in a nightmare that involves probate court to the hilt. The lack of a will means there is no executor, and the court will appoint an administrator of the estate. That unlucky person is answerable to the court and must get court approval for even the smallest actions. It results in the final estate distribution being delayed for months. Continue reading

stockfresh_225020_eraser-and-word-debt_sizeS-300x200People are living through some hard times and may have seen their finances stretched to the limit. Mortgages, rent, credit card balances, and emergency medical bills have made life almost unbearable. Some are facing bankruptcy and others have no choice but to file for it.

 

Outside help in ending the financial wellness crisis would be fantastic. Countrywide Pre-Paid Legal Services has benefits to help people facing bankruptcy. The services will also help those in bankruptcy work their way through it.

 

Certified Counselors Will Assist Continue reading

lastwilltestament-300x200People are sometimes shy about drawing up a will. It is a document that causes a person to admit that there will be a day when life is over. It may come as a surprise, but a will is also something to consider when making financial plans. You can think of it as end-of-life financial planning, and the document gives instructions on what is to be done with you and your estate. Group legal plans will offer simple wills but, another type, just as important, is the living will.

 

Preparing for a Possible Future

 

Death does not always come as a heart attack. There are situations where a person can be in a vegetative state for weeks, if not months, before finally dying. Some decisions must be made when a person is in a coma and cannot communicate them. Healthcare providers are committed to preserving the patient’s life, and that can mean placing someone on life support, even if the person does not want that.

stockfresh_8628298_sort-index-card-with-referrals-3d_sizeS-300x200Group legal plans must deliver services and not excuses. Client organizations expect that their employees receive the pre-paid legal services which they require. Some assistance, however, might not be part of the group legal plan.

Legal services will cover common issues such as writing simple wills or reviewing legal documents. These are important, but sometimes a group legal plan member might need something else. Adoption, real estate, immigration, and divorce laws are examples of specialty areas within the legal system. A plan attorney may not have the necessary expertise to be useful. Clients do not want any excuses; they want service! Countrywide Pre-Paid Legal Services can assist the plan member even if it means going outside the standard plan benefits. Continue reading

stockfresh_2142927_family-holding-a-sold-sign-outside-their-home_sizeS_62ad93-300x200Folks run into cash problems because of poor money management. It does not always happen that they are not making enough money, but their wages are not well managed. Becoming a better money manager will take an awful of stress off an individual’s shoulders and allow that person to have a more optimistic view of life. Organizations have an opportunity to help their employees become better money managers.

 

Financial security is not built on some complicated economic model. An ordinary person can be an excellent money manager who can meet all recurring bills and save money for sudden emergencies. Getting some good advice is vital for sharpening money management skills. Countrywide Pre-Paid Legal Services can help. Continue reading

 

stockfresh_5532754_home-mortgage-concept_sizeS-300x300The national housing market is currently going gangbusters. Sales and prices are going up and there is a strong demand for houses, fueled by low mortgage rates and a desire to own property. The pandemic has made some alterations to what a buyer wants. Extra rooms make a house attractive since more people are looking to have workspaces.

 

 Some people might be frustrated because they cannot afford a house. The good news is that there is a rhythm to the housing market. The demand might soften and what is a sellers’ market can become a buyers’ market. There is time to get ready. Continue reading

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Knowing the Law

 

Consumer warranty rights are defined under the Magnuson-Moss Act. Automobile warranties need to include specific coverage information and the seller must allow the consumer to read the warranty before buying it.

 

The warranty does not mean that a consumer is bound to have all their automotive maintenance work done at a dealership. Another establishment can do routine maintenance such as oil changes, replacing pads on the brakes, and working on the distributor. The warranty must show how long the warranty is in effect (ordinarily three years) and over how many miles (36,000 miles is the standard mileage limit). Aftermarket parts (AFP) are different from those of the original equipment manufacturer (OEM). Using the former does not necessarily mean the warranty is void. Continue reading

stockfresh_4971788_student-loan-debt-installment-payment-check-money-paid-back_sizeS-300x300College graduates are getting a well-appreciated reprieve from college loan payments. The government is permitting a payment holiday for federal college loans, which reduces the stress on personal finances. This holiday, unfortunately, is short-term. Financial obligations will return later.

 

A Heavy Load

 

College loans are a dark cloud hanging over a person’s head. The balances can take 20 or more years to pay, and many life decisions are postponed or never realized. It is frustrating for any young employee to have a school debt the size of a mortgage. Continue reading

stockfresh_121705_tax-calculator-and-pen_sizeS-300x199Employees are beginning to come back to work and are adjusting to the new normal. Quarantine furloughs were not easy, and the stimulus checks helped make ends meet. These are tough times, but it is an evil wind that blows no good. Now is a good time for folks to put their financial house in order.

The Paycheck to Paycheck Routine

Many have no idea about budgeting. They exist from paycheck to paycheck and they have no concept of their cash flow. Terrible habits jeopardize financial wellness. Good advice and guidance help a person become more fiscally responsible. Countrywide Pre-Paid Legal Services has a benefit that assists people with many financial wellness issues.

stockfresh_2064336_identity-theft-word-cloud-concept_sizeS-300x300Working from home sounds great. Anyone would enjoy getting away from the office gossip and arrange work schedules to better fit in with personal time. Still, an individual must be careful. There is danger lurking in the dark places of the Internet.

The Hacking Industry

Outsiders peeking into personal space is a real danger on the Internet. Cyber thieves are busy with phishing trips and hacking down security walls. Working from home is relaxing and people get careless. Opening an innocent-looking email can invite a lot of unwelcome guests into a person’s cyberspace. The damage may be extensive.