Pre-Paid Legal...Good Idea?

Pre-Paid Legal... - Pre-Paid Legal...
@twoey68 (13651)
United States
October 5, 2007 10:32am CST
Recently someone asked me to sign up for a pre-paid legal service. As I understand it, you can call up a lawyer to handle a variety of legal problems including idenity theft and you only pay a small amount each month. They also cover wills and living wills...meaning you decide whether or not to stay hooked up to machines. Now I don't have any legal problems other than wanting to do a will and a living will but I do worry about idenity theft alot...especially since a few friends have been hit by it. I understand it's a real nightmare to have to deal with. I also know that lawyers are outrageously expensive even to just get advice from ($50.00-$100.00 for a consultation) so if I needed to call up a lawyer and ask him something, with this pre-paid legal I could. Anyways, I signed up for it...mostly to see how I'd like it. Would you have signed up for it? Do you think it's a good idea? Do you worry about Idenity Theft? **AT PEACE WITHIN** ~~STAND STRONG IN YOUR BELIEFS~~
7 people like this
19 responses
@brendakaya (2335)
• United States
6 Oct 07
Oh, I absolutely think it's a good idea. I may sign up for it soon, myself. I have been thinking about doing a will, myself. Yes, I do worry about identity theft. My son has been a vistim, at least twice, now. That was within a year's time. It is quite a pain to deal with.
2 people like this
@gmakesmoney (2923)
• United States
5 Oct 07
I wouldn't do it!!! I've done it, my mother has done it and we both cancelled ours. The times that we have needed it they've given us the excuse that "that's not a covered issue". They didn't help in the world's easiest divorce, they wouldn't help with various idenity theft and fraud issues we had where someone not only used my credit to rake up a $800 phone bill which the phone company didn't care about it being a fraud and wouldn't remove but they also wouldn't help with someone stealing my mother's identity to help an illegal immigrant get a visa. It's hard to get out of once you do sign up for it, and they will continue to try and debit your bank account or deduct from you paycheck for months. Oh and the Identity theft "protection" they claim you have to pay extra for and when you want them to actually monitor or check for something regarding your credit, they charge you a fee or say "that particular service isn't covered". In the end, this program scams more people than it helps and really isn't worth paying for.
2 people like this
@reinydawn (11649)
• United States
5 Oct 07
CANCEL IT!!! CANCEL IT!!! Where I used to work, they came in and pitched that to us and made it look really good and cool and all that, and sooo cheap, so there was no reason NOT to sign up. Well, as for the "free" will thing, it's almost impossible to get an appointment with the lawyer who's supposed to be working with you. AND you can do one yourself for free if you don't have all that much stuff to worry about - trust funds, large investments, lots of property and that stuff. If you're just the average Joe with a house, kids and bills, then your will is just a peice of paper stating who gets what and the kids guardian, have it notarized and put it in a safe place, with a copy to the guardians. Back to the people I worked with that got suckered into Pre-Paid Legal... One guy asked the rep that signed everyone up if it covered DUI's, they said yes. Well, it didn't. It also didn't cover divorce or custody issues. Every time someone tried to use the program, they were told "Oh, that's not a covered event." I don't know what they "will" do, but it wasn't what our employees needed. It was the worst "benefit" we ever roped our employees into and I tried to get it taken out of our package the whole time I was there. Most of your credit cards offer fraud protection and identity theft. But, what are the chances that you're going to use it? Yes, it is a nightmare IF it happens to you (not WHEN, but IF), but why throw aways hundreds of dollars to save a couple bucks??? I just know from my experiences that it's a HUGE rip-off. Ask yourself this - how old are you? How many times have you needed legal advice? How many times do you expect to have legal advice in the next 10 years? Use those answers to figure out what it will cost you to NOT use PPL in that time and see if it's worth it. Good Luck!
2 people like this
@suspenseful (40316)
• Canada
5 Oct 07
If you have only a few concerns, I would say a pre-paid legal is a good idea, especially if you are going to use it a lot, but if it is just for one or two items, I would not. I would go for it. Most of the time, with identity theft, wills, and living wills, you just need to ask a few questions as to what to fill out on the form. Better than paying an arm and a leg for your own lawyer.
2 people like this
@CatsandDogs (13964)
• United States
5 Oct 07
It's really hard to say whether it's ligit or not and so for that reason I would say no I would not have signed up. That's not to say it isn't ligit but one has to be a bit leery of things now a days because it's just not safe anymore.
2 people like this
• United States
6 Oct 07
Do not sign up for pre-paid legal..please message me to find out why..thanks
• United States
6 Oct 07
They do not write anything as a lawfirm..beware!
1 person likes this
• United States
5 Oct 07
My cousin is trying to get me to be a part of the program (as an associate) but I haven't had a chance to go to a meeting yet. I can tell you that lawyers do charge alot just to talk to them and that's before anything is even done with your case!! I worked for 2 attorneys for a little while and I've seen what it can cost! I know quite a few people that have the pre-paid legal service & they seem to be satisfied with the service. The identity theft part of it is also good to have with so much of it going on. With alot of people that are "sue happy" it's a good idea to have some kind of back up plan just in case of something.
1 person likes this
@reinydawn (11649)
• United States
5 Oct 07
Hey, clamarco - if you're looking for something like that to do, I have something that might interest you. Check out my profile and go to my website and see if it looks good to you. I have dealth with Pre-Paid Legal people and it was nothing but bad experiences... I guess some people are successful with it though if your cousin is trying to get you in...
1 person likes this
• United States
8 Jan 08
I've owned a Pre-Paid Legal Services family legal plan membership for over 23 years. There are well over 1.5 MILLION families and businesses which VOLUNTARILY pay membership dues to have the PROTECTION. If they did not feel that they got far greater VALUE and PROTECTION and PEACE-OF-MIND, THEN THEY COULD CANCEL IT BY MAKING A WRITTEN REQUEST TO THE HOME OFFICE OF PPLSI IN ADA, OK. It's not a 1, 2, or 3 year contract like a health club, cell phone company, or Internet Service. Would a company have 1.5 MILLION members who could cancel any month, if they were not satisfied ??? The most complained about service is cellular phones. They keep being improved upon, but there are still problems. Users have realized that the NEED a cellular phone, and they are NOT luxuries. Even many pre-teenagers have cellular phones. There are even problems with computers, the Internet, and cable or satellite TV and radio. What state do you live in? The membership is good in all 50 states !!! The membership benefits are the same in most states, however some states have special plans to meet the needs of people with certain occupations such as law officers, foster parents, commercial drivers (such as truckers), small business owners, home-based business owners, self-employed business owners, school employees in a growing number of states, Realtors, and Nurses in OK and AR. Many states offer PPLSI memberships by payroll-deduction. A few years ago 1 in about 7 employers offered a paid-in-advance legal plan by payroll-deduction, or even paid part to all of the premium !!! In 14 states, the membership is considered an insurance product and the insurance commission has to determine if the services and the rates are a worthy buy for citizens of their state. Please feel free to e-mail me if you have more questions. best wishes, Joe
@sedel1027 (17855)
• United States
21 Dec 07
Have you had a chance to use this service? I have a friend who sells it and almost sold it myself. I think it is a great idea.
1 person likes this
• Canada
21 Dec 07
I has someone approach...then almost attempt to pressure me to get involved in this program and I declined after talking to a couple of friends who are lawyers. Now some might say that they would naturally play the devils advocate and be discouraging but everything they cautioned me against is proving to be true...and even confirmed again after reading responses here. Now the plan is beginning to run into their own legal problems because people involved with the program do not know how to get out of it and when they call for legal assistance it is never delivered as promised. So in my mind this is yet another multi-level marketing plan that works for awhile and eventually runs out of steam. Anytime ANYONE asks David or I to get involved with ANYTHING that requires signing people up under us...or even all the multi-level marketing down line scheme within REFERRALS on-line to make money my Cr#p Detector starts spinning with huge red alerts and I politely say "thanks but no thanks!" Been there done that...not interested! Cheers to you and hope you have a great holiday season and wonderful New Year. I am not here as much due to personal and professional commitments...but our on-line friendship has a warm place in my heart even when we are out of touch for awhile. You made me feel very welcome when I first became a member here and I value the chats we have had and look forward to more in the New Year. I love Mylot and the friendships I have here and will always do my best to keep in touch when I can. Blessings and warm regards, Raia
@livewyre (2455)
29 Nov 07
I wouldn't... As I tend to remain on the right-side of the law, I would assume I was not going to be embroiled in any legal case where (at least eventually) my legal costs wouldn't be paid. I don't believe in pre-pay anything that I don't ever intend to use. My works even offer pre-paid medical insurance, but I don't want it because I have to pay tax on it and I don't believe in private medical (in the UK we have public health care - it's not well-loved, but if my life was on the line, private medical isn't going to help anyway...) Getting back to prepaid legal then, it 'sounds' like a good idea that you might get sold on, but it's a bit like pet insurance, it's a gamble... You might win, but the smart money says you will either end up paying more, or you will just seeking legal advice when you don't really need it. (After all that's why people run prepaid legal - they are already assuming that they can make money from you, otherwise why would they offer it?). BTW I've been through identity theft, it cost me nothing, if someone steals your identity, they generally try to open an account in your name or get a loan and guess what? If it wasn't you that took the money, the financial organisations themselves have to pay - You don't have to assume that you will personally lose anything at all when your identity is used by someone else... Final thought....read the small print.
1 person likes this
@jillhill (37384)
• United States
7 Oct 07
I did it for a while..it's more a referral service then anything. They were helpful but eventually I did discontinue them because I really didn't need a referral service and for what litte legal needs I had it wasn't worth the cost.
1 person likes this
@slickcut (8141)
• United States
6 Oct 07
If what you have been told is true ,then i think it would be a very good idea...I have heard of this but i have never signed up...It does sound like a very good idea....If you try it and it is what it is suppose to be,let us know.Im sure that a lot of people would not mind spending a small fee each month just in case they might need this service...
1 person likes this
• United States
6 Oct 07
I have heard that pre-paid legal is illegal being it is a pyramid sceam. I have never been a member so i dont know for sure. My suggestion would be to ask alot of questions and if it sounds to good then it must be wrong
1 person likes this
@AmbiePam (49059)
• United States
6 Oct 07
My parents signed up for pre-paid legal, and they never thought they would use it. But oh boy, did they ever. You wouldn't believe what can pop up out of the woodwork,LOL. I mean, I'm sure you can, but it was immensely helpful, and many times I've heard them speak of how glad they were they had it.
1 person likes this
@drannhh (15226)
• United States
5 Oct 07
I think it is. Although one service we signed up for was not altogether satisfactory the one we have now has more than paid for itself even though. To me, on advantage of the prepaid plans is that instead of trying to get you embroiled in hours and hours of complicated "services" you don't need, the ones on the legal plan don't view the clients as Deep Pockets, so they offer the quickest least expensive solutions which are often the best. Our prepaid legal service also includes a free year-round income tax toll-free hot line which is really terrific.
1 person likes this
@Shaun72 (15968)
• Palatka, Florida
5 Oct 07
I have been asked before about this also. I am not sure either I mean how good are there lawyers.
@worldwise1 (14887)
• United States
5 Oct 07
What I really think, twoey, is that this world we are living in is becoming increasingly centered on fear. What you are speaking of is simply another form of insurance, and you might or might not one day need it. It seems that everything these days is geared toward creating fear in us. I have much more pressing things to worry about than identity theft. I don't own much of anything because I prefer it that way. I figure if you don't have much that's worth taking people will pretty much leave you alone. Now, if I were rich or well off, I might look at it differently. That would mean that I do have a lot to lose, so I would then have a reason to worry.
@aseretdd (13709)
• Philippines
8 Oct 07
The company i work for recently signed up for pre-paid legal... we pay them a very reasonable amount every month and they do the documents that we need... i think it is better that way than if we go out and look for a lawyer everytime we need a special power of attorney... or if we need to ask something that involves the law...
@aseretdd (13709)
• Philippines
14 Apr 08
Thanks for the best response mark...