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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

Countrywide Offers Home Buying Advice

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Apartment living has its setbacks. The neighbors can be very noisy, and the landlord can be unpredictable. The rent is not always stable and can go up without warning. These are some reasons why people want to buy a house and live there. It is not out of the question even though prices seem a bit high. A good financial wellness program is going to help somebody find a house and make it home.

An obstacle for many home seekers is a glut of information on the market, most of which is useless. Folks get confused by various offers and financing programs. Incidentally, not all those programs are on the level; some have serious flaws. Countrywide Pre-Paid Legal Services can appreciate the frustration. We have a house education program within our financial wellness plan. It seeks to help people make the right decisions about the financing of a home. We have certified counselors nationwide who are there to provide service. Continue reading

It is a Lifesaver for Many

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Financial anxiety affects many people. Millennials are worried about their bills, and the same applies to baby boomers. One problem which causes a great deal of stress is the spending habits of a person. People use plastic quite a bit, and the credit cards generate large debt sums. It happens a person owes more than the income he or she makes. Auto repairs or unexpected medical bills can drive credit card balances sky high. These, in addition to mortgages and student loan obligations, can adversely affect financial wellness.

Countrywide Pre-Paid Legal Services has helped many people get out of the financial crisis through our financial wellness program. We understand that some people have situations that have gone out of control and need special help. Our debt management plan means to do that. Continue reading

There are Many Options for Financing a House 

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Americans still think of owning a house as a big part of the American dream. They want to be able to have the same type of shelter their parents enjoyed, but many people think that owning a home is not realistic. The price of housing is high, and folks have other debts. These all make an individual hesitate before trying to buy a house. Countrywide Pre-Paid Legal Services firmly believes that the American dream is still there for people to enjoy. Our financial wellness program is intended to assist people in making the decision to buy a house.

Knowing All the Options

The conventional mortgage is what most people think about when it comes to home purchases. Yes, the standard 30 – year mortgage is still available, but there are some other options. Those other possibilities are not common knowledge, and learning about them is going to help in the final decision. Countrywide has a nationwide network of certified housing counselors who deal with financial wellness. These professionals are part of a homebuyer education course, “Make Your Move”, that can provide the very best information about financing a house acquisition. Continue reading

Professional Counselors Know Credit Card Debtroad-to-recovery-300x300

The Christmas holiday is over and people have packed up the holiday decorations and thrown out the boxes. It is time to get on with the new year but Santa Claus left something behind. Many people use credit cards to purchase presents and for most people it is not a problem. Unfortunately, for others it can be devastating. The Christmas bills and debt balance may have gotten out of control. The financial wellness of some people is in trouble.

Being Generous Has Consequences

It is easy to get wrapped up in the spirit of giving. No one wants to look like Scrooge, and the plastic comes out quickly. Stores encourage this with special deals but the problem comes a few weeks later. Christmas is not cheap, and missing a credit card payment adds a penalty to the figures. The shock of Christmas can add to a person’s stress. There are ways to get out of credit card problems with the right advice. Countrywide Pre-Paid Legal Services seeks to help people achieve better financial wellness balance. Continue reading

Read the Fine Print - Magnifying Glass

Society may have gone digital, but there’s still some serious paperwork. Like it or not, there are leases and other legal documents which require your attention. There are some critical reasons why a group legal plan ought to have the ability to help you read the papers. Continue reading

 

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Banks want you to use credit cards. This is not a statement of conspiracy but a fact. Banks make a sizable profit from interest charged on credit cards. Retail stores feel the same way because they know that using credit cards encourages a person to purchase even more. We get several offers for a credit card every time we go to our mailbox. While there is nothing wrong with using credit cards per se, when it becomes a habit it can endanger financial wellness. Continue reading

Having medical insurance will give a sense of security against devastating medical bills, but the insured is not always out of the woods. Even though a person does have coverage for the major partstockfresh_299770_broke_sizeS of any medical expense, there are copayments and deductibles. A shoulder operation can cost a person several thousand dollars and can be a burden. Expenses can threaten the financial wellness of anyone.

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There Can Be More Than One Public Agency Involved

Home mortgage concept and real estate house ownership success symbol as a pencil erasing the shape of a family residence as a metaphore for paying off residential debt and financing a household.

The Internal Revenue Service is not the only public agency people deal with in the spring time. Anyone who is looking to buy, sell, or build a house is going to have to deal with bureaucracy. The bureaucratic red tape can be frustrating and very time consuming. It can be a headache unless a person has access to pre-paid legal services. Continue reading

Parents can help with College Loans small claims

Parents do not want to see their children enter the business world saddled with heavy debt, which harms financial wellness. This is why they support their children in paying tuition, even though the cost is sometimes more than the parents make in a year. The PLUS program is a means by which parents can assist their offspring. Essentially, the parent pays back the loan.

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