Articles Posted in Legal Advice

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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

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The Holiday Season is Full of Thievesindex

 

Holiday shopping brings out the best and the worst in people. In this season of giving there’s also some underhanded taking going on. It can be someone standing behind you in line at the point-of-sale. That person is looking over your shoulder and memorizing your credit card number or your debit card number. It doesn’t take much more for that person to hack into your accounts and start doing a little illegal shopping. Group legal plans often provide a base program and nothing else. Countrywide Pre-Paid Legal services is different. We do offer group legal plan benefits, but we also have a means to protect your identity.

Time Helps the Thief

Christmas bills do not show up on credit cards until January. It gives an identity thief plenty of time to make some mischief. This individual can easily max out your credit card with purchases, selling the stuff on eBay or from a car trunk. You don’t know the damage until weeks later. Countrywide Pre-Paid Legal Services offer protection using email alerts. These Internet sent warnings tell an individual that there’s been some unusual activity on the credit card, allowing the owner to take corrective action immediately. These alerts come from the three top credit reporting bureaus and are highly reliable. Continue reading

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Countrywide Offers Proactive Strategies

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College students often live in a ramen noodle atmosphere where money is scarce. It comes as a pleasant shock when the same people land their first real job and start getting paychecks. Flush with cash, they start spending, and the spending can get out-of-control. Reality hits when the six-month grace period ends, and it is time to start paying down the college debt.

Financial wellness can be stressed because spending habits have settled in just as the loan repayment cycles begin. Millennials who have used credit cards in the past to buy groceries are now using them for other purchases, and that simply drives the debt higher. Countrywide Pre-Paid Legal Services wants to help a person get out of what is turning into a financial sinkhole. We have a financial wellness program that can do a lot to correct the situation. Countrywide has a nationwide network of certified financial counselors. These professionals work with plan members to sturdy the boat. A budget analysis is the first part of the service. The results might not be encouraging. Continue reading

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Our Assistance Makes Dealing with Government Easy

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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

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Expert Advice Makes It Easy

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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.

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Knowledge Can Save a Buyer Thousands of Dollars

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It is possible that the new tax reforms will change the housing industry. Changes in tax deductions can cause more people to rent, causing the price of housing to drop. It means that the house is no longer a financial investment but a home. It can cause a change in attitude for a lot of people because they may have to hold onto a house longer than they originally thought. Purchase of a house, therefore, becomes a long-term investment.

The house is also the largest investment most people will make in a lifetime. It is more complicated than a retail transaction. There are mountains of paperwork and procedures involved in the purchase. Not everybody understands how to qualify for a loan, but it is a very important part of the financial wellness issue. It also is true that some of the actors in the home investment process are not committed to helping people. We provide education to help homebuyer be a smart shopper. Continue reading

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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

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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

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Someone Can Make the Needed Decisions

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Adults enjoy independence. Everyone wants to be in control their destiny and manage their personal life. No one wants to be under the control or guidance of another person. Unfortunately, matters happen beyond an individual’s control. There are occasions where a person is not in charge, and someone else must give the orders. A group legal plan with the ability to draft medical powers of attorney to assist in critical medical emergencies is a good one.

A medical emergency or an accident can render a person unconscious. Here she is in a senseless state where personal wishes cannot be determined. A concern is that no one knows what type of service the victim wants. Whether the person wants the life-support systems turned off is not known. Consequently, that machinery continues to work keeping a comatose patient alive even though there are no responses. Continue reading

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A Financial Emergency Can Be Managed

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Personal finances stymie some people. They might make good money, but their expenses have gotten out of hand. This happens if a person has quite a few credit cards and perhaps a student loan or medical deductible expenses as well. The result can be a mountain of debt that looms over the financial wellness of that person.

It is not unusual for a few to simply ignore the debt. This is especially true with those who have student loan debt. They will either ignore making payments or just pay the minimum. It doesn’t help them one bit. Many debts have interest payments on top of them, and it just prolongs the pain process. Countrywide Pre-Paid Legal Services wants to help people get out of the trap. It is why we have a financial wellness program to provide service. Continue reading