Articles Posted in Group Legal plans

Our Assistance Makes Dealing with Government Easy

stockfresh_8628171_legal-advice-book-title-3d_sizeS-300x150

 

The government can confuse people. Bureaucracies are both national, state, and local. You may have to deal with one and not the other two or, all three at the same time. The average employee is going to find all this frustrating. Many group legal plans do not bother with helping but Countrywide Pre-Paid Legal Services does. Our group legal plan benefits include assistance with government agencies.

Your tax dollars fund various services through public agencies. These organizations require certain types of information. What can get confusing is what is needed by a federal agency, may be entirely different than what is requested by a local municipality. On top of everything else, some deadlines need to be met. The wrong information will probably result in an application returned to the individual for corrections. It creates an administrative delay that might end up with a missed deadline. Countrywide Pre-Paid Legal Services offer group legal plan benefits for organizations. Our attorneys provide help with those public agencies. Continue reading

Expert Advice Makes It Easy

stockfresh_3576539_stressed-female-graduate-holding-stacks-of-hundred-dollar-bills_sizeS-200x300

 

College loans have a time trap. Certain loan programs allow for a fixed period of time to get a degree. If a student’s time in school is accidentally prolonged due to being closed out of a class, it doesn’t matter. Loan programs also have a short grace period of perhaps no more than six months. After that, payments are expected on a routine basis. It is a situation where the overall cost can grow, and a student has very little control over that.

Recent college graduates who are in their first full-time job feel the pressure and the mounting anxiety. Their college loans must be paid, but the same is true for the rent and utilities. Financial wellness is under serious threat, and the person may be looking at possible bankruptcy. Organizations can help fix the problem if they look at the Countrywide Pre-Paid Legal Services program.

Some of the Special Deals Aren’t That Great

stockfresh_951929_shopping-girl-in-violet-with-bags_sizeS-300x279

 

 

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

Plastic Creates Havoc credit-cards-300x200

 

Folks love it when things are easy. Convenience is desirable, and people take advantage of it whenever possible. Expediency is the reason why people use credit cards so often. No one has to worry about carrying large amounts of cash, and all it takes is a swipe of a card to get a purchase transacted. Credit cards, however, are dangerous to financial wellness. They can cause some serious problems.

Plastic Can Be Overused

Retailers will not openly admit it but they appreciate the use of credit cards because of potential over purchasing. It is a well-known fact that customers will buy more if they use the plastic. It does not take long before a cardholder has a large balance on the credit card. The balance carries with it an interest charge that is in double digits. The interest charge means that the balance can quietly grow to larger and larger figures. Continue reading

01the-importance-of-a-comprehensive-legal-plan-article-4102-thumb-320x210-86253-thumb-320x210-86254-300x196Unique Legal Help Can be Used

 

Law in the United States is rich in its diversity. There are various kinds of legal specialties such as marine law, domestic and juvenile, Internet law, and various types of property law where an attorney can specialize. Countrywide Pre-Paid Legal Services offers one of the best group legal plan benefits in the country. However, we admit that our attorneys do not know every single type of law. Sometimes, a pre-paid legal services plan member needs special service.

Countrywide has a nationwide network of attorneys ready to assist plan members. If there is a need for specific legal advice, Countrywide will make a referral to the right attorney. This is where many group legal plans stop, but we will go a little bit further for our members. Continue reading

The Right Words Matter a Great Deal

stockfresh_215939_questions-and-answers-signpost_sizeS-300x200

We are surrounded by technology. There are mobile apps, Internet websites, and social media intended to connect us to other people and the services we need. That’s nice, but it doesn’t always work. There are some needs, such as pre-paid legal services, that need a little bit more than the tap of a mouse pad to connect. A group legal plan is judged by the quality of the services provided.

Human Contact is Essential

People need answers that are more developed then a recording or script on a website. The legal dilemmas folks encounter may require separate answers for individual concerns. It is something that is not easily done with technology. People matter when it comes to pre-paid legal services. Arranging a meeting with a lawyer is not always done by other group legal plans. Countrywide not only makes meetings easy but encourages such conferences. Our nationwide network of attorneys allows for a plan member to easily get in contact with a lawyer. The consultation can be arranged, and a face-to-face discussion allowed. Continue reading

Budgeting is easy the More You Know

stockfresh_121705_tax-calculator-and-pen_sizeS-300x199

 

It is an old story about domestic finances. People are living from paycheck to paycheck. There doesn’t seem to be any rhyme or reason to what is going on. It happens when people refuse to budget. That doesn’t seem to be a problem until other expenses besides groceries come into the picture. Financial wellness is threatened by a refusal to itemize expenses against income.

The Source of the Problems

Budget difficulty springs primarily from debt. It isn’t gasoline or the cable bill, but credit cards, mortgage loans, student loans, and perhaps some medical expenses. These can add onto obligations and an emergency bill can make things even worse. People end up spending more than they are making. It can happen to anyone, especially somebody who feels obligated to pay everything at the end of the month. Continue reading

The Medical Bills Can Be Staggering

stockfresh_1701311_stethoscope-and-dollar_sizeS_f73430-300x200

 

Employees expect to pay medical premiums either bi-weekly or monthly. They’re able to budget for these expenses and know what the figures will be. Something that is extremely difficult to budget for, and catches a person by surprise, is the medical deductible. It has the potential of harming the financial wellness of anyone.

Employers in the past few years have tried to contain medical insurance costs by raising the deductible. It means that deductibles that were once one or $2000 are now up to $5000 per year. The crisis sets in when someone has an illness or condition that is not temporary. Continue reading

Countrywide Excels at It!

stockfresh_5735040_businessman-looking-at-the-camera_sizeS-200x300

 

There are group legal plans which do not understand communication. The vendors provide service at a distance, or through a page on a website. This may look efficient, but it is not. Communication is more important than this.

Quality Matters

A little extra should be part of the services. Anyone can easily forget a question or two, and getting back to the attorney is important. Countrywide Pre-Paid Legal Services allows an unlimited number of telephone calls to the attorney in each situation. It means additional questions can be asked at another time. This ability to further communicate with the lawyer at no cost helps. Continue reading

Constant Vigilance is Needed to Stop Identity Theft

stockfresh_5169208_identity-theft-under-investigation-over-a-white-background_sizeS-300x217

 

Identity theft is a sneaky business. We often think that if we have secure passwords and high protective walls around our information, we will be safe. It isn’t always true. A person may be in a busy downtown area using an ATM. That same person is an unsuspecting victim of the person standing right behind. This individual happens to be a thief who is looking over the shoulder of the person using the ATM, copying down their password. The same thing may happen at a point-of-sale location in a very busy store. Somebody is watching you, and they want your information.

They will get it and then use it. It will not be for opening a bogus credit card account. Cyber thieves know where the money is and it is in selling the passwords to someone else. That third-party is the one who is going to invade your credit account or your bank account. You will not know the damage until you receive your bill at the end of the month. Countrywide Pre-Paid Legal Services is aware of identity theft. We have worked with companies developing group legal plans for years, and we heard horror stories about identity theft. It is why we offer services to help prevent a financial disaster. Continue reading