Legal Paperwork Doesn’t Have to be a Mystery

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Legal documents sometimes seem to be an ocean of words. People get very easily confused by the language, but they cannot take any of it for granted. What is in a document or contract can be binding and group legal plans are effective if they allow for review of these papers.

We Will Review the Documents

The nationwide network of Countrywide attorneys can review up to six pages of a contract. That is ordinarily the size of a standard legal document. The review is not just restricted to contracts, however. There are other legal papers that regular citizens encounter all the time. Countrywide Pre-Paid Legal Services can help. Continue reading

Countrywide Excels at It!

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There are group legal plans which do not understand communication. The vendors provide service at a distance, or through a page on a website. This may look efficient, but it is not. Communication is more important than this.

Quality Matters

A little extra should be part of the services. Anyone can easily forget a question or two, and getting back to the attorney is important. Countrywide Pre-Paid Legal Services allows an unlimited number of telephone calls to the attorney in each situation. It means additional questions can be asked at another time. This ability to further communicate with the lawyer at no cost helps. Continue reading

Better Finances Reduces Anxietydollar-sign-stones-240x300

 

Depression is a financial term, but it also is a condition brought on by personal finances. The amount of debt a person has can affect their mental well-being. Financial wellness in jeopardy makes a person feel less than enthusiastic about almost everything. We live in a society that appears bent over from debt. It doesn’t matter how old you are; finances can cause problems. Millennials worry continuously about their college debt while older employees face medical bills that are starting to climb. One trouble is being able to budget; there are those who cannot do it at all. These people need help, and Countrywide Pre-Paid Legal Services is there to provide support. Our financial wellness plan helps employees of all ages.

Offering the Best Counsel

This benefit features the advice of experts. Countrywide has a nationwide network of certified counselors. These people deal with all kinds of personal debt and how to lighten the load. A budget analysis is the beginning of all the services. Countrywide counselors will take a close look at the income and expenses of the plan member. This investigation uncovers where there are problems in the cash flow. The analysis also pinpoints where the greatest expenses are and how much out-of-control they are. The discovered data permits the counselor to begin the process of re-instituting financial wellness. Continue reading

Medical Powers of Attorney Are Critical

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Paper, paper, paper. Everything seems to have a form or a document attached to it. Many people don’t bother with certain legal papers because they’re tired of the pile. An example is medical powers of attorney. Not everybody understands the importance but good group legal plans allow for help with this document.

It is important to Have Medical Powers of Attorney

The reason is clarity. Anyone who is the victim of a major car accident or medical disaster might be in a coma. The hospital does not know what this person wants as far as treatment. This can extend to life support systems which do not automatically turn off. The hospital staff is justifiably concerned about any lawsuits and will keep patient on life support indefinitely. That can cause expenses to skyrocket as time goes on. There’s also cost that is highly personal and very emotional. A patient who is near death can linger on life support systems. This causes agony of hope for love ones who pray for America which may never come. At the same time, these people are looking over their shoulders at the possibility of mounting debt. Countrywide Pre-Paid Legal Services is very familiar with the anxiety and suffering. We have the drafting of medical powers of attorney as a group legal plan benefit. Continue reading

They Have Unique Problemsstockfresh_2776410_senior-adult-couple-going-over-papers-in-their-home-with-agent_sizeS-300x200

 

Senior employees are essential to the financial health of any organization. It is not simply their experience that makes them valuable. These staff members are ordinarily decision-makers, and the organization relies on them for getting things done. Their jobs require concentration without distraction. A primary distraction is their financial wellness. Worries about money and bills can cause a senior employee to think less about the job and more about the bank accounts.

New Expenses to Deal With

The troubles can be coming from several places all at once. A middle-aged employee may have children in college and is trying to help them. Taking out certain loans have obligations that the parent should follow through with, or else risk consequences. Older employees use medical coverage more often. It means that the deductible must be satisfied and it gets to be a problem. Out-of-pocket payments for various surgical treatments and therapy can cost thousands of dollars each year. This is all in addition to credit card debt that may be mounting. Continue reading

You Can Win the Day in Courtsmallclaims-300x214

 

Not that many people have a day in court because most will settle before the cases are filed. However, there are situations where individuals go before a small claims court. This is a bench that hears disputes of perhaps $5000 or less, although some states have a higher threshold. It can get confusing and a group legal plan can help sort things out.

There are many reasons why issues end up in small claims court. It can be an argument over a property line, a warranty which is not being honored, or contract that has still has not been completed. The difference between this court and others is the lack of an attorney. Legal counsel will not represent you in court, and you must rely on yourself, instead. It is a reason why some cases don’t get anywhere. Countrywide Pre-Paid Legal Services knows that not all cases before small claims are frivolous. Many are substantial and require a ruling. We wish to be of help and it is why preparing a small claims court case is one of our group legal plan options. Continue reading

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

Your Loved Ones Will Be Grateful

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Financial advisors will suggest having a will, but many people try to ignore this obligation. No one wants to admit they’re going to die one day and they keep putting things off. That is a mistake. Young and old employees ought to think about creating a last will. A group legal plan can help draft the document.

Defending the Rights of Loved Ones

A will protects surviving loved ones. Death can be as unexpected as an auto accident, perhaps leaving children to mourn the death. They will cry a lot more when they find out what happens in probate court. The delays can be maddening. Moreover, without an executor, the court will appoint an administrator. It just keeps adding to the delays. Important bills will go unpaid, and any money for college may have to wait. Any estate is finally settled, but it may take years, and Countrywide Pre-Paid Legal Services wants no one to face that. We allow for the creation of a simple will as part of our pre-paid legal services benefits. Plan members get the opportunity to provide for loved ones in the event of a calamity. Continue reading

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

It Can Lead to Hurt Feelings

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Employees appreciate health insurance. They are grateful when their employer provides coverage to handle medical costs. Nevertheless, there is the deductible to worry about. Modern deductibles are as high as $5000 or more. These impact on financial wellness. It can be difficult to pay a deductible when you are already cash-strapped. Some people will borrow the money to pay the deductible. They will ask family and friends to help. This gets old quickly.

Parents are willing to offer assistance, but they have their own problems, and the same is true for friends. A person ends up owing money to those closest to him or her, creating bad feelings which can last for years. It is better to be able to budget sensibly. There are employees you don’t know much about budgeting and could use some advice. Countrywide Pre-Paid Legal Services is here to help out.
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