Articles Posted in Contract Review

Contract Language Has Consequences

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Ordinary contracts are not large documents. It takes a few pages to determine what one party must do and what the other party is obligated to pay or give. Nevertheless, even in a small contract, there are clauses that hold consequences. Not being aware of what the words mean can be dangerous.

The part of the contract that can be the biggest problem are those clauses that involve penalties for work not performed, or products not provided. The contract can stipulate exactly what a person needs to do and the penalty is in force when the person doesn’t do it. Too many people are in a rush and sign contracts without carefully reading them. Countrywide Pre-Paid Legal Services has seen too many people run into problems because of not reading a contract. Our group legal plan benefit includes a review of contracts for the plan members. 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

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

They Do Not Have to Overwhelmingcredit-cards-300x200

Retail companies promote their credit cards to a very receptive audience. Consumers enjoy using plastic because it’s convenient and because it is safe. There’s no need to carry large sums of cash when shopping. There’s nothing wrong with this until a person accepts too many cards. It results in many bills coming in at different times of the month. It is easy to forget a payment and that is when trouble begins. The credit card companies attach a fee to any late payment, and these can add up. Not paying the bills on time can also result in credit scores dropping like a stone. Financial wellness can become a problem area unless a person can resolve the credit card payments.

Certified Counselors are Ready to Assist

Accumulating credit debt means higher and higher minimum payments. It can quickly eat up anybody’s house budget. Countrywide Pre-Paid Legal Services appreciates the anxiety a person goes to if this happens. We have a program that can help. We have a financial wellness program with certified counselors located nationwide. Any these professionals are close at hand for a plan member contact. The counselor will first look at an individual’s existing income expenses. This information is used to help develop a budget for the person. It is just the first step in bringing sanity back to credit cards. Continue reading

The “Smart Move” Program Helps

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People dream of having a house to call their very own. It is a place to settle down and raise children. Buying a home also is the largest transaction most people will make in their life. The average home costs hundreds of thousands of dollars, and most people do not have that kind of money. They must get financing for the property, and it is not easy to do. Many, especially first-time buyers, have trouble when it comes to organizing the financing. If they have access to a financial wellness program, the process can become very easy.

Where Are the Sources?

A buyer knows how much to save and has a good idea of how much that dream home is going to cost. The challenge is to find the right financing with an attractive interest rate. Additionally, a person should decide which type of mortgage is best suited for the budget. House funding is an unfamiliar territory, and the wrong move can be very expensive. Countrywide Pre-Paid Legal Services understands that buying a house can be an anxious proposition for anybody. We offer a financial wellness program that includes expert advice on how to purchase a home. Continue reading

Questions Need Answersadvice-hands-300x231

We live in a world that is many times impersonal. When we want services and information, we are directed to commonly asked questions pages and requested to fill out forms. This is all done for Internet efficiency. That may be reasonable for retail products, but it can be a disaster for group legal plan.

Judicial Subjects are Hard to Comprehend

Legal matters can frighten and confuse. A person may not understand contract language at all and may be very concerned about dealing with public agencies. There is a need for better communication than a computer screen image. Legal services must include a level of communication that goes beyond filling in the blanks. Countrywide Pre-Paid Legal Services gives help that includes client communication. Continue reading

There are several ways to help peopledebt-relief-pill-300x255

Getting into financial trouble is easier than you think. Medical insurance deductibles are often as much as $5,000, and student loan debt can take a bite out of a paycheck. It often happens people are simply overwhelmed by the number of credit card bills coming into the house. Anyone can be bewildered by the extensive paperwork which demands payment. It helps to have some way to figure out what you have and what you owe. Financial wellness programs need to have the right tools to sort out personal finances better.

Looking at the Current Picture

Countrywide Pre-Paid Legal Services offers the kind of help a person requires to become financially stable. We begin with a set of tools that proved to be effective in determining financial status. Any of the benefits within our group plan start with budget counseling. Our network of certified counselors will look at the income and expenses a person ordinarily has. This data permits the counselor to provide expert advice on how to budget properly, and put debt under better control. Continue reading