Articles Posted in Legal Advice

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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

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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

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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

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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

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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

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College Debt Must Be Managed

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There usually is a graduation speaker who urges students to take some time off and go exploring. It may sound inviting, but it is not a good idea. Many students have the six-month grace period before the student loan payment bill comes in. That is when reality hits like a slap in the face. That space of time goes by fast, and the new graduate must be ready for a significant cost. It can impact the financial wellness of anyone.

The size of the monthly payment can be substantial. That is very understandable because many students have debt burdens in the high five to even six-figure categories. It can be comparable to a mortgage payment for some. Many young people have their budgets blown off the road trying to make the payments needed. A forbearance is an option, but it is a risky one. Sooner or later those bills have to be paid, and a student may be paying them for decades. There may be some options they are not aware exist. Countrywide Pre-Paid Legal Services recognizes the confusion a young graduate may have. Our financial wellness program includes assistance handling the repayment of student loans. Continue reading

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Countrywide Lawyers have Superior Communication Skills 

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Communication is a cornerstone of every Countrywide group legal plan. We understand how essential it is for effective pre-paid legal services. Many people are understandably confused about legal issues. They do not deal with them daily. When they face an issue such as a warranty problem or the need to draft a will, anxiety goes right up through the roof. Countrywide Pre-Paid Legal Services wants to help

A Complete Service Package

The assistance we provide is more than just a web page. We want our group legal plan members to be able to talk to an attorney directly. Our nationwide network of lawyers allows for face-to-face conferences to be easily arranged. We also permit unlimited telephone calls to a lawyer on any given situation. It may appear to be a small consideration, but these phone calls help answer questions which may arise after the conference. Such attention allows channels to be open in communication to flow back and forth. Continue reading

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Good Advice Makes All the Differencespider-pocket-189x300

We all face challenges with money no matter how old we are. Millennials have difficulty setting up budgets, but older employees fret about retirement. It ‘d be great to be able to take charge of finances and have a better cash flow going in and coming out. It sometimes takes seasoned advice to develop reliable financial wellness.

Finances can make a person feel he or she is juggling far too many balls in the air. People are accustomed to a mortgage payment on a car loan, but others have to deal with student loan payments, harsh credit card problems, and any other number of bills needing cash. It is easy to have the trees block and hide the forest. People don’t always know how to handle a budget properly. They’re not stupid; things are just too complicated. Countrywide Pre-Paid Legal Services sympathizes with this kind of confusion. We have a financial wellness program that is intended to help people take better control of their financial situation. Continue reading