Articles Posted in Legal Advice

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

The Medical Bills Can Be Staggering

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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

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

Countrywide Has the Right Answers

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Nobody intends to be spendthrift. Employees do try to live within their means and spend less than what they make. Life sometimes comes at a person from out of left field. It might be an auto repair, a medical charge, or something else that just throws the budget out the window. It often is hard to regain financial wellness. A major expense may have several smaller bills from several different places. It is tough to try to get things under control. People will panic and just throw up their hands. It is important to have good advice to get out of a financial crisis. Countrywide Pre-Paid Legal Services provides a plan to help.

Information Gathering is the First Step

We take a proactive approach to dealing with financial wellness problems. The cornerstone of all our services are the certified counselors who are part of a nationwide network. These people provide the type of guidance a person needs. Information gathering is critical, and a budget analysis is the means Countrywide uses to collect personal financial data. The counselor looks at the cash; where it is coming from and where it is going. Continue reading

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

Constant Vigilance is Needed to Stop Identity Theft

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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

Our Service Comes in Many Fashionsdebt-relief-pill-300x255

Financial wellness has become more than just a topic of discussion. Employees are increasingly more concerned about their personal budgets and want management to help. Financial wellness programs are benefits that can resolve problems. However, the success of any plan depends on the tools used. The wrong procedures will result in no real changes.

Countrywide Pre-Paid Legal Services has worked with organizations for 30 years to develop sensible benefits for employees. Our financial wellness program has a number of benefits such as help with medical costs or dealing with college loan debt. These have good intentions, but success rests on how we provide service to the plan members. Here is how we do it. Continue reading

Referrals for Special Cases

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Countrywide Pre-Paid Legal Services is proud of the assistance we offer to clients. We have been helping organizations for the last 30 years to provide group legal plan benefits all employees can enjoy. We cannot, however, rest on our laurels. Even though we provide superior service in drafting wills or preparing small claims court cases, Countrywide knows it cannot directly provide support for all parts of the law.

Law Has Many Avenues

It would be impossible to do that. The law is a highly sophisticated and very complex matter. There are subsections such as the Internet and Marine law that are a little bit off the beaten track. The Countrywide attorneys are proficient in many areas, but the specialized law is the domain of certain attorneys. It does not mean that a group legal plan member cannot have access to this unique advice. Countrywide is here to help in those situations. Continue reading

Financial Worries Can be Reduced

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A MetLife study on employee benefits trends discovered millennials are very risk adverse when it comes to finances. They are frightened about the possible loss of income and health costs is something they dread. Of course, for many of them college debt obligations cause nightmares. The high anxiety these young people experience about finances make financial wellness benefits very important.

Sign of the Times

The millennial generation grew up in a period of severe financial distress. The Great Recession of 2008 played a role, but the cost of college tuition increased the worry these recent graduates have. They have an almost instinctive anxiety that their budgets will not cover all their expenses. Countrywide Pre-Paid Legal Services has a great deal of empathy for this population. We have a financial wellness plan to help them sort out their financial issues to arrive at a sensible strategy. Continue reading