Articles Posted in Legal documents

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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

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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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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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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

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Government Regulations Will Change

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Change is constant in life. You can expect to see different ways of doing things all the time, and the adjustment ordinarily is not a major event. The new administration in Washington is causing a change in rules and regulations governing various public agencies. It trickles down to the state and local levels, as elections change the bureaucratic landscape. Change can be necessary, but some revisions are going to cause sizable headaches. Help from a group legal plan is something a lot of people require.

A Flurry of New Rules

Public employees are sensitive to regulations. They will follow them regardless of any inconvenience it may cause. What frustrates people are all the changes in deadlines and information requirements. Rules on the books in December can be entirely different in April. The changes can require a person to go back to square one and start all over with the application process. It gets aggravating. Countrywide Pre-Paid Legal Services understands the frustration the change can produce. We know that regulations will be revised from time to time, but we also know the anxiety new rules will cause. Our group legal plan provides legal assistance. A Countrywide attorney can help a plan member deal with public agencies on all levels. Continue reading

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Questions Need Answersadvice-hands-300x231

We live in a world that is many times impersonal. When we want services and information, we are directed to commonly asked questions pages and requested to fill out forms. This is all done for Internet efficiency. That may be reasonable for retail products, but it can be a disaster for group legal plan.

Judicial Subjects are Hard to Comprehend

Legal matters can frighten and confuse. A person may not understand contract language at all and may be very concerned about dealing with public agencies. There is a need for better communication than a computer screen image. Legal services must include a level of communication that goes beyond filling in the blanks. Countrywide Pre-Paid Legal Services gives help that includes client communication. Continue reading

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Needed Government Help Can Be Accessedimmigration-doors-300x288

Many foreigners are in this country legally despite whatever the blogs say. They are here on work visas or other forms of legal entry to the country. These people are living in a foreign land now dealing with a different culture and most importantly, a different set of rules. They will need help from time to time with public agencies and a group legal plan will help.

The support might not always be related to immigration issues. Special-needs children may need certain types of education, there may be a need for aid in housing, and other assistance may also be required for the family. An immigrant does not always know what to do. Many times, public agencies have very strict deadlines that must be bad. Excellent pre-paid legal services allow for help with government bodies Countrywide Pre-Paid Legal Services offers such assistance. Continue reading

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Pre-paid legal services will usually cover some essential needs. Drafting a will or helping with government agencies is something that anyone can expect. However, there are times when special types of legal expertise are needed. It may be above and beyond what an ordinary attorney can do. A group legal plan must be able to respond to such a need. Continue reading

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You can hope and vote for smaller government but do not count on that. The government is very much a part of our lives, and you will be dealing with public agencies at all levels. It sometimes gets very annoying and also very frustrating. There are so many ways government influences your life. A group legal plan with the right benefit options could be a lifesaver. Continue reading

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A chalk board with the words problems and solutions

A chalk board with the words problems and solutions

The Internet is remarkable, but even cyberspace has limitations. There are times when people want to talk and interact with a human being. It applies in particular if there are legal issues. Unfortunately, not all group legal plan services do that. Instead, they rely on a website with a question and answer page. Continue reading