Articles Posted in Consumer

We Educate People on House Purchases

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It is only natural for a person to dream of buying a house. It is something every consumer would like to have: a place to set down roots and raise a family. Homeownership is not out of the question but for some people it can be a challenging experience. This is particularly true of Millennials who may be buying their first home. There’s so much to go into the decision and financial wellness can be affected. Anyone would be a little bit nervous.

Buying a House Can Be Confusing

The process of buying a house can be an anxiety minefield for the first-time buyer. There are so many options as far as the financing of a home, and the buyer may not be sure what to look out for in the process. What type of advice is honest and which advisers are ethical? A lot goes to a person’s mind and lack of knowledge hurts. Countrywide Pre-Paid Legal Services appreciates the dilemma a person can be in. One of the options in our financial wellness program is a course on how to buy a house. This is the kind of education many people need. Continue reading

The Bills Are Controllable

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Folks need to understand deductibles will renew annually. For example, let us suppose that a person has a deductible of $5000 and a medical procedure consisting of a surgery and physical therapy each costing $5000. Let us also suppose that the surgery is performed in 2017 and the physical therapy is scheduled for 2018. Even though the patient has paid $5000 in 2017, this person will need to pay an additional $5000 out of pocket BEFORE the insurance pay anything. It is because meeting the deductible starts all over again with the new year. This scenario is not fiction; it happens all the time. People run into serious deductible debt when medical procedures span more than one year.

The bills can mount up and the providers expect to be paid. Failure to meet the obligations can result in collection agencies knocking on the door. Employers should help their staff with medical bills. Countrywide Pre-Paid Legal Services has a financial wellness plan that provides needed assistance. Continue reading

You Don’t Have to Accept Faulty Merchandisestockfresh_3665498_cost-and-value_sizeS-300x200

 

Your child gets a brand-new toy for Christmas while you get an innovative appliance or perhaps a very interesting computer gaming. It’s all a part of the excitement of Christmas to get something new, and Christmas presents are used quite a bit in the following days. It is when trouble may begin. For no apparent reason, that new gizmo breaks down. You get frustrated and try to find a way to fix things. The present may have a warranty attached to it, and a group legal plan could help you make things right.

They are Guarantees of Repair Service

Warranties are agreements in which a manufacturer guarantees repair work if something breaks down. However, the language of the warranty can be very confusing. Countrywide Pre-Paid Legal Services has a nationwide network of attorneys. One of our fundamental benefit options is help with warranties. Our lawyers know the language and can point out what the manufacturer will and will not do as defined in the warranty. Continue reading

Some of the Special Deals Aren’t That Great

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Black Friday will soon be here, and the Merry mayhem of holiday shopping begins. People love to go out to the stores or go online to buy things at this time of year. The increased sales activity, however, brings with it a challenge. Consumer protection is something people don’t think about until they have to deal with a defective product. A group legal plan which assists in consumer protection activity is providing very worthwhile pre-paid legal services for the holidays.

Product Mistakes Will Happen

Selling defective products is not always intentional. Mistakes happen on the assembly line or in the delivery of goods. Nevertheless, no one needs to deal with a defective product. Some merchants are a little hesitant to reimburse customers. Perhaps it is because the defective product is expensive such as a washing machine or refrigerator. Countrywide Pre-Paid Legal Services appreciates the frustration over defective merchandise in the holiday season. We have been providing group legal plan benefits for organizations since 1987, and consumer protection advice is one of the options we allow. Continue reading

Deductibles Create Sizable Expenses

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Folks are understandably concerned about credit card debt and college loan payments. There is another major financial presence in the room and has to do with health. Medical care is not inexpensive at all. In fact, some of those bills pose a real danger to a normal person’s financial wellness.

Deductibles are the Problem’s Source

Organizations have tried to control costs by raising the deductible in their health plans. It is a management decision with which most healthy people have no problem. However, anyone who must have surgery for a broken arm or leg knows what the price can be. Such medical attention can cost thousands of dollars, and the deductible must be met before full coverage kicks in. Moreover, the deductible starts all over again each year, so that anyone who has therapy in one year may be paying even more if the therapy also takes place in the following year. Some employees are drowning in a sea of medical bills. Countrywide Pre-Paid Legal Services is aware of this dilemma. We choose to respond to it by offering medical debt assistance in our financial wellness program. Continue reading

No One Should be Stuck With a Faulty Product

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Consumer protection is not meant to antagonize or annoy any business. Instead, the laws are in place to protect consumers from unethical establishments. It is unfortunate, but in the marketplace, there are those who wish to take advantage of unsuspecting people. They’re able to get away with a lot of mischiefs because victims are hesitant to file complaints. A group legal plan with consumer protection service is important.

Our high-tech society is full of gadgets and services catering to sophisticated data search. Not all of these are high-quality, and some are very defective. A person should not have to pay for any poorly made merchandise. Pre-paid legal services ought to have options that will allow a person to file consumer protection complaints. It would allow consumers to seek redress as well as warn other companies of consequences. Countrywide Pre-Paid Legal Services includes consumer protection as an option for a group legal plan. Continue reading

                                                         Countrywide is Proud of the Assistance We Give

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An exceptional group legal plan is defined by the service it provides. There are certain options a client should expect within the plan document, but pre-paid legal services has to go the distance. There should be an ability to communicate one-on-one, and have all questions answered. Anything less is unacceptable. It’s sad, but some of the plan vendors don’t seem to care about the service. They believe that web-based assistance is more important than direct contact. Countrywide Pre-Paid Legal Services does not subscribe to this low-quality. We know what people really want when it comes to good service.

The Personal Touch Matters

Our clients get the very best. It starts with attorneys who understand the law thoroughly. We screen candidates very carefully to make sure that we are getting high-quality legal professionals. We also look at personal skills. No Countrywide group legal plan member should feel embarrassed. The face-to-face meetings are a fundamental part of Countrywide service. We have a nationwide network of attorneys and setting up a conference with the Countrywide lawyer is not that difficult. We realize that people sometimes forget to ask questions on certain points. We allow an unlimited number of telephone calls to the Countrywide lawyer in given situations to cover this. We encourage people to develop a relationship with the attorney that produces positive results. Continue reading

Countrywide Lawyers Can Help

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Consumer protection laws maintain the health and safety of the American consumer. Statutes protect the person from faulty products, poor service, and essentially unethical practices in the marketplace. Many understand this but do not file a complaint. It is because they do not have the services of a group legal plan they are hesitant.

There is a Method to be Followed

Consumer protection is a process to get justice. There are forms to be filed, evidence to be collected, and deadlines here and there to be met. The unethical and unscrupulous vendor or merchant knows this, and they will act with impunity because they know the complexity of the procedure. Most people don’t understand what to do and therefore did not make use of the laws. Countrywide Pre-Paid Legal Services wants to help. Consumer protection is one of our services. It is a benefit option which allows a person to seek a remedy four poor service or products. Continue reading

Plastic Cards Do Not Need to Rule Your Life

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Folks often live by credit, and that plastic will destroy financial wellness. The tragedy happens when people forget the small print credit card companies are so famous for writing. Within the agreement for a credit card are stipulations for penalties and interest rates. They can be very sobering.

Make no mistake about it; financial institutions make a lot of money from credit card interest. Double-digit interest charges are standard, and this is at a time when the prime rate is incredibly low. The loss of financial wellness may not be due to the purchase but of the interest charged on the credit balance. People look for ways to get out from underneath the load but don’t always understand what to do. Continue reading

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