Articles Posted in Consumer

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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

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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

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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

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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

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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

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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

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Education Provides Solutions 95322156-attorney-clients-shacking-hands-deal-contract-negotiations

We all need to better understand how credit card debt accumulates. A person using the plastic is not always a compulsive buyer. Retail stores and other establishments encourage use of credit cards and make it very easy for their use. The primary reason is that anyone who uses credit cards will probably spend more than they originally intended to buy. The debt accumulates and threatens financial wellness. It is not so much a hole which was dug, but a sinkhole which a person falls into.

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A Good Lawyer Gives Considerable Help woman shouting into smartphone

Government gives assistance to the people. A commitment to constituent service is the primary goal of elected officials and the public agencies. A challenge arises with the number of agencies in a given area. It is not just federal; state and municipal entities also exist. There could be duplication of effort and a lot of paperwork. Public employees are required to follow the letter of the law regarding offering service. Many times the wording of the procedures is in legal script that is very difficult to understand. A group legal plan can provide type services necessary to expedite matters.

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Consumer Protection Help is Important

Mature couple talking to financial planner at home

Everybody knows about Christmas but springtime is a very busy buying season as well. This is a time when graduation presents and wedding gifts are purchased. It helps make the season that much more fun but there can be a few problems. Some of the appliances and electronic purchases may have defects. The warranties need to be respected but that is not always the case. Moreover, some stores selling shoddy merchandise may refuse to give a refund. Honoring warranties and basic consumer protection are solid reasons for having a group legal plan benefit.

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Good Advice Helps Manage the Debt Loadwoman shouting into smartphone

The stories about college loan debt are downright frightening. College graduates are being confronted with debt that can amount to well over $50,000, with the payments to be done over a period of decades. This is not always a situation where students are being spendthrift. It can happen that a young person takes out a loan without realizing what the terms are, and start accruing debt without realizing what has happened Continue reading