Articles Posted in Consumer

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

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

Good Advice Gets ResultsCONSUMER-PROTECTION-LAW-278x300

“Let the Buyer Beware” is a major rule of the marketplace. It reminds people that there are unethical folks out there, looking to take an unsuspecting person’s cash. Things have gotten worse the last few years for the average American. Deceivers are getting more talented, and they are practicing their craft in other areas. It takes a good group legal plan to help protect the consumer from the damage.

The Internet sales are one area of clever deception. It is the only place, though. Services, as well as products, are danger areas. Example are home-improvement companies who charge one price, wait until the job is only half completed, and then demand more money. Being charged for services not rendered or online purchases that are never received by the buyer are other areas of consumer fraud. Countrywide Pre-Paid Legal Services has worked with organizations since 1987 to provide great group benefits. Consumer protection advice is one of the services we offer. Continue reading

Making Sense of It All

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Contracts are something many people don’t understand, and that by itself is understandable. Contracts follow a fairly standard template, but many are ignorant of the process. It helps to have a group legal plan to explain a contract before it is signed. Problems occur when people forget to put specific things in writing, such as the promises to pay certain amounts of money or to do certain activities. Even when this information is in the contract, difficulty arises when specific terms or dollar amounts are not in the clauses. Those who do not understand the standard phrases run into trouble. It helps if there are pre-paid legal services to help explain a contract.

We Clear Things Up

Folks seem to think that contracts are big, bulky, stacks of paper. That is not true for most agreements ordinary people enter into. As a matter fact, most contracts are no more than six pages long. Countrywide Pre-Paid Legal Services knows that legal language can be confusing and the traditional image of contracts causes anxiety. Our nationwide network of attorneys will offer contract review as part of the group legal plan benefit. Continue reading

Organizations Cannot Ignore It

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Consumer protection is not a matter for individuals only. Companies and other business establishments need to be concerned because bad service or inferior quality merchandise reflects poorly on their respective industries. Companies who are looking for group legal plan benefits want to have the best possible service. Allowing for consumer protection also can enhance the prestige of the employer.

Unethical practices are a danger in the marketplace. A consumer is at personal risk due to malfunctioning merchandise, or services that not completed correctly (For example, water pipes in the house that supposedly were fixed but breakdown a few weeks later). The offender ordinarily doesn’t worry about repercussions because of the paperwork involved in processing consumer protection complaint. This unscrupulous individual knows that many will not bother to go through the hassle of dealing with consumer protection agencies. It changes when an attorney gets involved. Countrywide Pre-Paid Legal Services gives this kind of help. Continue reading

Identity Theft Word Cloud Concept with great terms such as privacy, bank, account, numbers, credit cards and more.

ID Hackers Are a Problem

Christmas shopping is now getting into full swing. You don’t want to head out to the shopping mall and fight the crowds, so you decide to use a retail website instead. You’ve always been told these are very secure and you have no problem sharing your credit card information on the site. You also aren’t concerned with warranty problems because you have a good legal plan. However, you still have something to worry about.

You Need Protection from Hackers

It is sad but true that hackers have become better at breaking through security walls. You only need to look at the newspaper to read about large retail companies having their security breached. Your financial information may be at risk, and you will not even know about it until weeks later. Countrywide Pre-Paid Legal Services is sensitive to the significant instances of cyber-crime in our society. We have ID theft and credit monitoring benefits. Continue reading

credit cards

Keeping Plastic Under Control

It was not so long ago that missing a credit card payment could be a disaster. The credit card companies would add to the interest charges, and you could easily be paying 25% or more on your balance. Those days are over, and credit card companies will charge cash amount penalties. Nevertheless, you still have a lot to pay.

Tempting the Consumer

Credit cards are seductive little pieces of plastic. You end up spending more when you use a credit card instead of cash. Promotions come in the mail all the time, enticing you to open even more accounts. You can find yourself falling behind, and minimum payments will not always allow you to catch up. Financial wellness can be placed in severe peril.

A person can easily have several credit cards with different payment dates. It only adds to the overall confusion but, unfortunately, there is a way out. Countrywide Pre- Paid Legal Services helps provide an escape. We do this with our financial wellness program. Continue reading

 

Millennials will work at minimum wage jobs until they graduate. All of them feel a great sense of relief and satisfaction when they get their first full-time paycheck. It is an amount of money they only dreamed of before, and they are very excited. However, the additional income has a challenge attached to it. Financial wellness depends on being able to budget properly. Continue reading

A chalk board with the words problems and solutions

A chalk board with the words problems and solutions

The Internet is remarkable, but even cyberspace has limitations. There are times when people want to talk and interact with a human being. It applies in particular if there are legal issues. Unfortunately, not all group legal plan services do that. Instead, they rely on a website with a question and answer page. Continue reading

 

The Need to Forgive Yourself

A chalk board with the words problems and solutions

A chalk board with the words problems and solutions

 

Financial Problems Come from All Places

 

Getting into financial trouble can be very embarrassing for an employee. He or she is an adult and wants to be taken seriously but has run into problems. Financial wellness can sometimes be compromised by the smallest things. Debt accumulates, and it can happen without an individual being fully aware. Retail companies encourage the use of plastic because when people use their credit cards they ordinarily spend a bit more. The interest rates are double digit numbers, and if you miss a payment, you have a penalty fee to cover.

It Can Be Confusing

The repayment of student loans can be so complicated, with penalties for missing a deadline, that some former students are considering bankruptcy. All of this is incredibly hurtful and embarrassing to the individual. Anyone who has financial problems should first of all forgive himself and then seek assistance. Countrywide Pre-Paid Legal Services is there to help. Continue reading