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.

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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.

stockfresh_2261463_business-people-team_sizeS_5562cb-300x137It means a lot for employees to get back to work after a quarantine. Most do not enjoy staying at home, and the job routine is welcome. What is not are the legal hassles that sprang up during the furlough.

The Courts Were Still Working

The legal system never entirely shuts down. There were some deadline extensions, but the wheels of jurisprudence were slowly moving. Licenses had to be granted, applications for government assistance completed, and probate court issues needed to be resolved. Everything moved a little slower but kept going. Continue reading

stockfresh_1104622_falling-credit-cards_sizeS-300x200The COVID-19 pandemic will leave behind a severe legacy: large credit card debts. People who were quarantined are dependent on plastic; it is used for everything. Medicine, groceries, and other necessary purchases are charged on the card. Credit card companies inadvertently made the problem worse by being lenient with late payments. Those days of leniency are ending. Consumers are starting to face a grim reality.

 

The financial wellness of many employees is at risk. Minimum payments could swallow most of a paycheck and make other bills harder to pay. Employers can help relieve stress with the right benefits. Countrywide Pre-Paid Legal Services has a program that provides the proper assistance.

 

There Is Hope for Financial Wellness  Continue reading

road-to-recovery-300x300America is still faced with coronavirus and the consequences of the quarantines. People are starting to come back to work, but there is always the cost of being furloughed and not receiving a full paycheck. 

 

The government has been helpful with stimulus packages, but these are starting to dry up. Many employees are about to face the consequences of the past few months. It can include filing for bankruptcy. Continue reading

stockfresh_6387113_gavel-and-stethoscope-on-table_sizeS-300x200Group legal plans are especially important in times of emergency. They offer benefits that a person can use to get out of a difficult situation or prepare for the worst and be ready for it when bad times come. The coronavirus pandemic is causing many people to think of situations they ignored in the past. They believe they can no longer put certain things off.

 

Imagining a Dark Side

 

Death comes to all of us, but it does not always come suddenly. A traffic accident or a heart attack might be a surprise, but the victim might linger. Instant death does not happen, and the individual is sent to the hospital for treatment. That is where a sad episode slowly develops. Continue reading

stockfresh_1104622_falling-credit-cards_sizeS-300x200America is beginning to recover from the coronavirus quarantines. People are practicing social distancing and are getting back to work. There is a new normal in society and it is healthy. There remain some of the problems people had before the pandemic and the issues are beginning to get out of hand. Some people need to cure themselves of a dependence on credit cards.

 

It Was not Irresponsible Spending.

 

It was all innocent at the start. People were stuck inside their houses and the shops were closed. Instead of going out to the store, folks began to use Amazon for shopping and asked the supermarkets to deliver groceries. Everything was paid with credit cards online. It became so easy that many became accustomed to doing everything online and sometimes overspending. Continue reading

stockfresh_260360_read-the-fine-print_sizeS-200x300Group legal plans will offer a variety of pre-paid legal services to their memberships. Some of these benefits are significant, such as writing simple wills or helping with consumer protection issues. Other services might seem small but are just as crucial for plan members. The review of legal documents is one.

 

There Is a Mystery in the Paragraphs

 

Society is governed by pieces of paper that are easily misunderstood by the average person. Legal documents have a language that is not often used on the street, and misinterpretations have serious consequences.  Continue reading