Articles Posted in Legal Advice

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Our Program Comes to Your Financial Rescue

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You might think that all debt problems arise from plastic but that is not true. Granted, people often create large credit card amounts by spending. However, these are usually controllable. What drives an individual into financial wellness difficulty are sudden expenses. These could be medical bills, having to buy a new car, or sudden family emergency. The situation can get serious quickly.

Debt Management Plans Prevent Panic

Many employees live from paycheck to paycheck. They may be able to just barely get to the end of the month with the budget they have. A sudden financial emergency can turn matters into a train wreck. The person could panic and consider filing for bankruptcy which is not a good idea. Countrywide Pre-Paid Legal Services has a financial wellness program that includes a debt management plan. It is something to be used in extreme cases.
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Forbearance or Bankruptcy are Not the Only Options

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Many recent college graduates may be facing a serious financial wellness issue in the coming weeks. The grace period provided by many college loan programs is ending, and a person must face the reality of making payments. This can cause an enormous amount of anxiety and lead to some very poor decisions if an individual does not get the right advice.

Counselors Outline the Options

The enormity of the debt is something most young people never encountered before. The debt can be as large as a house mortgage, and the figures can be bewildering. There are various options, such as forbearance, but these might not be the best alternatives. Countrywide Pre-Paid Legal Services does not want to see anybody caught in a financial mess. We have a financial wellness program to help.
The challenge can is easily resolved by knowing more about personal money. College graduates don’t always understand budgets and consequently come up short at the wrong time of the month. Countrywide has certified counselors whose first active service is to help newcomers to the working world prepare a budget. The professionals will look at income expenses and determine if any reallocation of funds can be accomplished. Continue reading

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We Educate People on House Purchases

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It is only natural for a person to dream of buying a house. It is something every consumer would like to have: a place to set down roots and raise a family. Homeownership is not out of the question but for some people it can be a challenging experience. This is particularly true of Millennials who may be buying their first home. There’s so much to go into the decision and financial wellness can be affected. Anyone would be a little bit nervous.

Buying a House Can Be Confusing

The process of buying a house can be an anxiety minefield for the first-time buyer. There are so many options as far as the financing of a home, and the buyer may not be sure what to look out for in the process. What type of advice is honest and which advisers are ethical? A lot goes to a person’s mind and lack of knowledge hurts. Countrywide Pre-Paid Legal Services appreciates the dilemma a person can be in. One of the options in our financial wellness program is a course on how to buy a house. This is the kind of education many people need. Continue reading

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Countrywide Helps You Work with Bureaucrats stockfresh_3232926_woman-shouting-into-smartphone_sizeS-300x226

 

Government provides various services to people. While a few may grumble, it often happens that government assistance solves a problem. The difficulty arises when the average citizen does not quite know how to work with a public agency. There are forms to be filled out, evidence to be provided, statements to be filed, and all other sorts of paperwork. It could be a mountain of forms and very confusing. Group legal plans do not always address the need to work with government. Countrywide Pre-Paid Legal Services, however, recognizes the importance of folks getting the right type of help.

Rules Can Make Things Difficult

Public agencies have rules and regulations which they must follow. This is in addition to legislation that specifically tells what is to be done, what deadlines must be met, and the consequences of not doing an adequate job of filing. It is where many people run into problems. Countrywide Pre-Paid Legal Services wants to provide the best possible help. We included as one of our group legal plan options assistance dealing with government agencies. Continue reading

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Giving Comprehensive Legal Assistance

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Group legal plans are not all the same. Even though vendors may have almost identical benefit options, pre-paid legal services will differ. It is how the various benefits are administered, along with secondary benefits, they create the disparity. Countrywide Pre-Paid Legal Services is a leader in the industry because of the overall quality of what we give.

Countrywide will provide basic group legal plan benefits such as writing a simple will, consumer protection advice, and drafting medical powers of attorney. We go a little bit further than other vendors, however, by some of the other activities we will do for the sake of a plan member. These include the following:
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Quality Adds Value to a Group Legal Plan

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Decision-makers can take the opportunity of a new year to insist on better service. Benefits offered to employees should not only solve problems, but provides necessary assistance that makes all the effort convenient for employees. Some group legal plans will stay with the old-fashioned way of doing things. Countrywide Pre-Paid Legal Services strongly feels that it is how we provide help that determines the quality of the benefits we offer.

We Combine Experience with Professional Help

We provide pre-paid legal services for organizations of all sizes, and have done so for the last 30 years. What we offer is a group legal plan benefit which can resolve the issues of many people. These options are what employees need, but, frankly, an organization can expect more and should. Good service is more than a website with a frequently asked questions page, and some pages explaining various benefits. Hard-working people enjoy personal contact with a real professional. They need to have serious questions answered. Continue reading

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You can Manage the Credit Cards with Countrywide Helpcredit-cards-300x200

 

The Christmas holiday season is now over. No doubt, you have probably cleaned up all the mess and the empty boxes have been picked up by the garbage collection. You may be looking back at the holidays as a fun time with your family. That’s nice but there may be something coming ahead that is going to cause problems for your financial wellness. Christmas cheer comes at a price.
Credit Debt Grows

Shoppers use plastic for many purchases and those cards come out during the shopping season of December. Your generosity may be amazing, but the bill is coming. The Grinch didn’t steal Christmas but the charges on the credit cards can rip a hole in your finances. Your January statement may show that you have spent more you needed to, and you are in very serious credit card debt. It is not easy to figure out how to get out of the problem and help may be needed. Countrywide Pre-Paid Legal Services is here to help. We have a financial wellness program that can provide needed assistance. Continue reading

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It is a Sensible New Goal 

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The New Year is approaching and now is when many people create New Year’s resolutions. Some of these goals for 2018 include matters such as clearing up credit card debt, getting a better handle on student loan payments, and finding ways to work with medical debt. Countrywide Pre-Paid Legal Services believe that financial wellness is one of the best New Year’s resolutions a person can have. We offer a benefit that organizations can provide for employees that address this.

Financial Wellness Varies

People have distinct needs. One person may want to have information about how to buy a house properly and another needs assistance with medical bills. Someone else might want to know more about what assets he or she might have, and another person may only need a personal budget analysis. Unfortunately, some people are in such financial despair that only a debt management plan will get them out of trouble. Countrywide offers all kinds of services. It could be as simple as a budget analysis or as complex as how to best deal with credit cards. It depends on the person. Continue reading

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Financial Welfare of Beneficiaries is Protectedstockfresh_2662466_last-will-and-testament-concept-of-estate-planning_sizeS_124228-300x196

 

Financial planning is not for the living alone. You should think about how you will disburse your assets during your life, but you also need to consider how money and property will be divided after you are gone. Too many people forget that and put off writing a will for some later day. The day finally arrives, however. Your estate may be forced into a situation where there is trouble for your survivors. A group legal plan can help prevent a financial tragedy.

The Court May Have to Decide

The state law is intended to protect the beneficiaries and survivors. The courts try to guarantee people get what they justifiably deserve. Regrettably, estate without a will is in the hands of the court and an appointed court administrator. Final disbursement could take months or even years. It creates a financial difficulty for survivors. A group legal plan must provide an option for drafting a simple will. Countrywide Pre-Paid Legal Services has such a benefit as an integral part of its group legal plan format. Continue reading

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It Can End Employee Worry

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You may think of financial wellness is not important, but MetLife disagrees. A survey conducted a few months ago by this company indicates that employees are increasingly more concerned about financial wellness. It is a benefit trend that may be picking up speed in 2018. Employers must look at this as more than just a boutique benefit. Their employees certainly consider it essential.

Employees Will Worry About Finances

Financial anxiety peaks in January. The reasons are quite simple: 1. The six-month grace period on college loans is over for the new graduates, and they face having to pay back on the loans. 2. Credit card balances from Christmas holidays show up. It’s enough to drive anybody off the wall. A New Year’s resolution for fiscal austerity may go out the window rather quickly. Continue reading