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Articles Tagged with benefits

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

There is More to Service Than a Web Page2-phones-and-a-guy-300x199

A goal of employee benefits is to solve problems. Challenges and issues are arising in a person’s life, and the right benefits will provide answers and solutions. A group legal plan is committed to helping solve legal conundrums. It takes more than just a website, however. Legal issues can stress anybody. There are contracts, simple wills, and problems with government agencies which can give people severe headaches. Pre-paid legal services must do more than providing an FAQ page or an answer box. Communication is critical, and it should be in more than one medium. Countrywide Pre-Paid Legal Services has thirty years of experience in designing and administering legal plans. We know the importance of good communications when it comes to benefits.

Legal issues are very personal and developing rapport between attorney and plan member is essential. Countrywide has a nationwide network of attorneys who are chosen for personal skills as well as professional expertise. The ability to interact with plan members is We provide the means with which they can establish communication with individuals. Continue reading

It is a Solution to a Pressing Problemsad-dollar-300x129

Personal finances can be very complicated. The individual may have an auto loan, mortgage, credit card debt, and a student loan on top of everything. Challenges arise because of a multitude of obligations. A person may forget a credit card payment because he or she needs to pay so many.

It is All in the Cards

Having to pay five or six credit cards may result in a fee being attached to a late payment. This just adds to the debt mountain. People can become overwhelmed and their financial wellness may be in jeopardy. Massive debt does more than just ramp up stress levels. It can make a person feel ashamed. He or she may have been raised to be very responsible, and tries to be that way. It is the size of the debt obligations which can be overwhelming. Bankruptcy can appear to be the only option for an overwhelmed person. Countrywide Pre-Paid Legal Services wants to help these people get out of the mess. We have a debt management plan. Continue reading

The Landlord Does Not Always Get It All

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Every renter knows what a security deposit happens to be. It is the amount of money paid upfront and placed in escrow to pay for damages while that person is renting the property. Many states have laws covering how security deposits can be spent. For example, painting a room is not a legitimate use of the security deposit. Some landlords forget this and try to deduct all expenses from the security deposit. The disagreement can end up in small claims court in a group legal plan can help the renter.

Using the security deposit for the wrong type of repair can be an honest mistake. However, it is also true that a landlord can become stubborn and an unscrupulous owner would care less. The letter relies on a tenant not being able to process a small claims court case. Countrywide Pre-Paid Legal Services can help. Our group legal plan includes a nationwide network of lawyers. These legal professionals can contribute to preparing the case. Continue reading

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We do not yet know what the future is going to hold for health insurance. There’s been talk of amending the Affordable Care Act, if not doing away with it entirely. No matter what Congress decides, many people are faced with the deductible on their insurance policy. This can be a real nightmare which can balloon out of control. Continue reading

Financial wellness is quickly becoming a major topic in the benefits industry. The after effects of the 2008 Recession, with its crushing impact on mortgages and credit cards, is one of the reasons for decision-makers to look at a means of helping employees with business advice. Millennials are saddled with mounting college debt and employers know how devastating this can be. It is no surprise that vendors are stepping forward with what look to be amazing plans for organizations to think about. We suggest management think very carefully. Not all of these schemes are effective. Continue reading

                                                                                                             It is A Critical Part of Any Benefits PlanCost and value

 

A group legal plan will naturally have several benefit options. Activities such as drafting a will or helping with a consumer protection problem can be expected. What separates the good from the bad is the level of service provided. A vendor may claim a plan has all kinds of options, but the question of service is a high priority and needs addressing. Continue reading

                                                                                There are Other Ways Out of Debt Trouble

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A recent college graduate does not always have the tools necessary to deal with financial challenges. College debt is a major issue. Many people leave college with debt well into the five figures and are not quite sure how to handle it. Regrettably, they sometimes take the easy way out. It can jeopardize financial wellness. The most common steps taken are to use forbearance or, in extreme cases, declaring bankruptcy. Forbearance essentially allows a college graduate to put off until tomorrow the debt which is owed today. This does not make the obligation go away. Instead, it means that college debt is something that takes years more to pay off. Continue reading

Read the Fine Print - Magnifying Glass

Caveat emptor, let the buyer beware, is a traditional marketplace warning. It cautions a person to be very careful about what is being purchased, and many people are. They will hedge their bets so to speak by buying a warranty. This covers the cost of repair, but even this has a cautionary note. There are those who will not honor the warranty. It is why a group legal plan needs to consider warranties and consumer protection. Continue reading

Suffering From Debt with a Victim Crying Male

Debt problems do not always result from one major bill. Ordinarily, a person runs into problems paying many obligations, including mortgages, auto loans, credit cards, and student debt. While paying the minimums is one strategy the money must be set on time. If it isn’t, penalties will be assessed. It may take a matter of a few months, and the individual is suddenly in a debt trap. There is more money going out than money coming in, and bankruptcy appears on the horizon. This is not a good situation at all. Continue reading