Articles Posted in Group Legal Services

Budgeting is easy the More You Know

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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

Countrywide Will Draft One for You

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Drafting wills is a common benefit of a group legal plan that some folks avoid. The last will is not on everyone’s daily bucket list, and there are those who want to forget about it. This is a recognition of mortality but drafting a will is a pre-paid legal services benefit that cannot be ignored. It helps prevent time from becoming a real thief.

Intestate is a legal term for an estate for which there is no will. Those estates which have a simple will attached to it move quickly through the courts. Intestate situations do not. Instead, they become a matter for the probate court which takes a very active role. Continue reading

Countrywide Knowledge Saves Dollars

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The current news indicates that the price of housing is starting to climb. The days of the marketing slump are over, and the cost of the house is becoming expensive. It means that many people were looking to buy a house need to take some serious steps right away.

It Is a Major Decision

A home purchase is perhaps the largest investment any consumer will make. A mortgage of over hundred thousand dollars is not out of the question, and you should be careful. Financial wellness will be in jeopardy if the wrong move is made.

The challenge many people face is lack of knowledge. Most first-time homebuyers do not understand the market, and not knowing what to do can cost them thousands of dollars. Countrywide Pre-Paid Legal Services knows how important it is to make the right move in the housing market. Our financial wellness program includes a housing education option. Continue reading

Credit Monitoring Will Sound Alarms

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We all have good reason to worry about hacking. It is the most common form of cyber theft and is an industry by itself. Hackers are very sophisticated in the work that they do and pose a very serious threat to financial wellness. It takes more than a standard group legal plan to confront these criminals.

Hackers Are Getting Better

Hackers have become increasingly more ingenious and bold. This year has already seen both Chipotle, and Verizon hacked by outside parties. These Internet thieves are not creating individual credit card accounts with the information. Instead, they are selling bundles of stolen data to others who will then use the information for their own purposes. It can be very frightening. Continue reading

Legal Paperwork Doesn’t Have to be a Mystery

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Legal documents sometimes seem to be an ocean of words. People get very easily confused by the language, but they cannot take any of it for granted. What is in a document or contract can be binding and group legal plans are effective if they allow for review of these papers.

We Will Review the Documents

The nationwide network of Countrywide attorneys can review up to six pages of a contract. That is ordinarily the size of a standard legal document. The review is not just restricted to contracts, however. There are other legal papers that regular citizens encounter all the time. Countrywide Pre-Paid Legal Services can help. Continue reading

Countrywide Excels at It!

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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

Better Finances Reduces Anxietydollar-sign-stones-240x300

 

Depression is a financial term, but it also is a condition brought on by personal finances. The amount of debt a person has can affect their mental well-being. Financial wellness in jeopardy makes a person feel less than enthusiastic about almost everything. We live in a society that appears bent over from debt. It doesn’t matter how old you are; finances can cause problems. Millennials worry continuously about their college debt while older employees face medical bills that are starting to climb. One trouble is being able to budget; there are those who cannot do it at all. These people need help, and Countrywide Pre-Paid Legal Services is there to provide support. Our financial wellness plan helps employees of all ages.

Offering the Best Counsel

This benefit features the advice of experts. Countrywide has a nationwide network of certified counselors. These people deal with all kinds of personal debt and how to lighten the load. A budget analysis is the beginning of all the services. Countrywide counselors will take a close look at the income and expenses of the plan member. This investigation uncovers where there are problems in the cash flow. The analysis also pinpoints where the greatest expenses are and how much out-of-control they are. The discovered data permits the counselor to begin the process of re-instituting financial wellness. Continue reading

Medical Powers of Attorney Are Critical

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Paper, paper, paper. Everything seems to have a form or a document attached to it. Many people don’t bother with certain legal papers because they’re tired of the pile. An example is medical powers of attorney. Not everybody understands the importance but good group legal plans allow for help with this document.

It is important to Have Medical Powers of Attorney

The reason is clarity. Anyone who is the victim of a major car accident or medical disaster might be in a coma. The hospital does not know what this person wants as far as treatment. This can extend to life support systems which do not automatically turn off. The hospital staff is justifiably concerned about any lawsuits and will keep patient on life support indefinitely. That can cause expenses to skyrocket as time goes on. There’s also cost that is highly personal and very emotional. A patient who is near death can linger on life support systems. This causes agony of hope for love ones who pray for America which may never come. At the same time, these people are looking over their shoulders at the possibility of mounting debt. Countrywide Pre-Paid Legal Services is very familiar with the anxiety and suffering. We have the drafting of medical powers of attorney as a group legal plan benefit. Continue reading

They Have Unique Problemsstockfresh_2776410_senior-adult-couple-going-over-papers-in-their-home-with-agent_sizeS-300x200

 

Senior employees are essential to the financial health of any organization. It is not simply their experience that makes them valuable. These staff members are ordinarily decision-makers, and the organization relies on them for getting things done. Their jobs require concentration without distraction. A primary distraction is their financial wellness. Worries about money and bills can cause a senior employee to think less about the job and more about the bank accounts.

New Expenses to Deal With

The troubles can be coming from several places all at once. A middle-aged employee may have children in college and is trying to help them. Taking out certain loans have obligations that the parent should follow through with, or else risk consequences. Older employees use medical coverage more often. It means that the deductible must be satisfied and it gets to be a problem. Out-of-pocket payments for various surgical treatments and therapy can cost thousands of dollars each year. This is all in addition to credit card debt that may be mounting. Continue reading

You Can Win the Day in Courtsmallclaims-300x214

 

Not that many people have a day in court because most will settle before the cases are filed. However, there are situations where individuals go before a small claims court. This is a bench that hears disputes of perhaps $5000 or less, although some states have a higher threshold. It can get confusing and a group legal plan can help sort things out.

There are many reasons why issues end up in small claims court. It can be an argument over a property line, a warranty which is not being honored, or contract that has still has not been completed. The difference between this court and others is the lack of an attorney. Legal counsel will not represent you in court, and you must rely on yourself, instead. It is a reason why some cases don’t get anywhere. Countrywide Pre-Paid Legal Services knows that not all cases before small claims are frivolous. Many are substantial and require a ruling. We wish to be of help and it is why preparing a small claims court case is one of our group legal plan options. Continue reading