Articles Posted in Group Legal plans

by

Taming the College Debt Monster

stockfresh_4665102_student-loan_sizeS-300x300

Professional Advice Manages the Cost

 

College debt is a national problem and will continue to be for some time. Politicians need to find a way to reform the situation but until then there are thousands of Millennials dealing with millions of dollars of owed money. Forward-thinking companies recognize the danger to the financial wellness of their Millennial employees. College debt can easily overwhelm anyone.

Where the Trouble Begins

What started the problem? Are new college graduates just irresponsible? The answer is complicated. Many young people go into college debt because they cannot afford the tuitions alone and going without a college degree can harm a career. They do not always know the terms and conditions of their loans. The amount of debt is so large for many graduates they will choose to ignore the payment until it is no longer possible. That is when an emergency strikes.

Continue reading

by

Foreign Employees Will Get Legal Helpimmigration-doors-300x288

Countrywide Will Assist in Dealing with Government Agencies

The DREAMER issue resolution and the final story on DACA are in the future. Organizations must work every day with its foreign-born employees and helping them with American laws and culture. We often take for granted things that foreigners find confusing. Group legal plans don’t always provide the right kind of assistance.

Continue reading

by

stockfresh_1345661_happy-family-near-new-house_sizeS-300x200

You Can Make a House a Home

Buying a House Can Be Easy

 

Cable television shows make house buying appear easy. Purchases don’t seem to have much stress or problem but that is really not true. Buying a house is the largest single expense most people will incur in their lives. While it is something that makes them feel proud, it could also pose a threat to financial wellness. Someone who is not adequately ready may discover the mortgage payments eat up the budget.
Television shows will recommend creative financing. Balloon mortgages and other means of financing are considered smart by some so-called experts. While certain budgets can handle this, others can fall apart when a balloon mortgage suddenly gets out of control. People need to have good advice when it comes to buying a house. They need to understand what is involved. It means they need education and Countrywide Pre-Paid Legal Services can help.

Make Your Move Will Help

Countrywide’s Make Your Move is an online self-education course. It guides the first homebuyer through all the ins and outs of purchasing a house. It contains the kind of information any consumer will need to protect financial wellness in the face of purchasing a home.
Continue reading

by

stockfresh_3558891_lawyer-and-client-in-office_sizeS_487dc8-300x200

Communication is a Critical Legal Service

It Makes Problems Easier to Solve

 

Some group legal plans fail at communications. The vendors feel that websites with boilerplate wills and FAQ pages are sufficient. They sense that there’s no reason for personal communication in a high-tech era. Countrywide Pre- Paid Legal Services respectfully disagrees. We believe that communications with a plan member and on behalf of a plan member are extremely important.

You can write a basic will from a web template. However, it cannot take any consideration the personal nuances of an individual’s estate. This is where a group legal plan can fail. The deeds of plan members can be unique and different.

One person may need help attribute a contract and another the language of a deed. A legal professional often must be personally involved. Countrywide Pre-Paid Legal Services supports personal contact in providing services.
Continue reading

by

Countrywide Has a Referral System

stockfresh_2020614_social-media_sizeS-300x225

 

 

Social media was primarily something worked on in dorm rooms 15 years ago. Today, it is a major force in American culture and it is the source of a lot of litigation. There are new laws and court cases regarding the use of social media and not all attorneys know what to do. Some, however, have become experts in this type of jurisprudence. They are not ordinary lawyers and they command large fees. They’re the kind of attorneys that most group legal plans do not have in their networks.
Legal Referrals Are Sometimes Necessary

Regrettably, not every general practitioner in the law courts is familiar with the laws and rules governing special areas of law. Countrywide Pre-Paid Legal Services has a nationwide network of attorneys, but we readily admit there are certain areas of the law that requires special help. If we do not have attorneys that are expert in certain situations, we have no problem making referrals. Continue reading

by

Countrywide will Protect You from Hackers 

stockfresh_5169208_identity-theft-under-investigation-over-a-white-background_sizeS-300x217

 

 

Consumers enjoy the convenience of ATM machines but there is a danger involved. If you are standing in line, be concerned about the person standing behind you. It is possible, while you are putting your code into the ATM, that person is making a mental note of your information. It is a risk that is becoming more common in our modern society. Hackers are willing to hit the jackpot with your money.

The worst case would be if a hacker got your information from the ATM and used the same machine to empty your bank accounts You might not know about the theft until weeks later when the bank statements arrive. The same is true if credit cards are pilfered from your wallet. Group legal plan vendors do not always include identity theft protection. Countrywide Pre- Paid Legal Services does have the option which can protect your information Continue reading

by

Our Program Comes to Your Financial Rescue

Debt-Relief-300x200

 

 

You might think that all debt problems arise from plastic but that is not true. Granted, people often create large credit card amounts by spending. However, these are usually controllable. What drives an individual into financial wellness difficulty are sudden expenses. These could be medical bills, having to buy a new car, or sudden family emergency. The situation can get serious quickly.

Debt Management Plans Prevent Panic

Many employees live from paycheck to paycheck. They may be able to just barely get to the end of the month with the budget they have. A sudden financial emergency can turn matters into a train wreck. The person could panic and consider filing for bankruptcy which is not a good idea. Countrywide Pre-Paid Legal Services has a financial wellness program that includes a debt management plan. It is something to be used in extreme cases.
Continue reading

by

Giving Comprehensive Legal Assistance

stockfresh_215939_questions-and-answers-signpost_sizeS-300x200

 

Group legal plans are not all the same. Even though vendors may have almost identical benefit options, pre-paid legal services will differ. It is how the various benefits are administered, along with secondary benefits, they create the disparity. Countrywide Pre-Paid Legal Services is a leader in the industry because of the overall quality of what we give.

Countrywide will provide basic group legal plan benefits such as writing a simple will, consumer protection advice, and drafting medical powers of attorney. We go a little bit further than other vendors, however, by some of the other activities we will do for the sake of a plan member. These include the following:
Continue reading

by

The Bills Are Controllable

dollar-sign-stones-240x300

Folks need to understand deductibles will renew annually. For example, let us suppose that a person has a deductible of $5000 and a medical procedure consisting of a surgery and physical therapy each costing $5000. Let us also suppose that the surgery is performed in 2017 and the physical therapy is scheduled for 2018. Even though the patient has paid $5000 in 2017, this person will need to pay an additional $5000 out of pocket BEFORE the insurance pay anything. It is because meeting the deductible starts all over again with the new year. This scenario is not fiction; it happens all the time. People run into serious deductible debt when medical procedures span more than one year.

The bills can mount up and the providers expect to be paid. Failure to meet the obligations can result in collection agencies knocking on the door. Employers should help their staff with medical bills. Countrywide Pre-Paid Legal Services has a financial wellness plan that provides needed assistance. Continue reading

by

Quality Adds Value to a Group Legal Plan

stockfresh_5735040_businessman-looking-at-the-camera_sizeS-200x300

 

Decision-makers can take the opportunity of a new year to insist on better service. Benefits offered to employees should not only solve problems, but provides necessary assistance that makes all the effort convenient for employees. Some group legal plans will stay with the old-fashioned way of doing things. Countrywide Pre-Paid Legal Services strongly feels that it is how we provide help that determines the quality of the benefits we offer.

We Combine Experience with Professional Help

We provide pre-paid legal services for organizations of all sizes, and have done so for the last 30 years. What we offer is a group legal plan benefit which can resolve the issues of many people. These options are what employees need, but, frankly, an organization can expect more and should. Good service is more than a website with a frequently asked questions page, and some pages explaining various benefits. Hard-working people enjoy personal contact with a real professional. They need to have serious questions answered. Continue reading