Pre-Paid Legal. What IF……

May 20th, 2008 Categories: Pre-Paid Legal Services

First and foremost let me state at the beginning that I am a real estate broker. So why (do you ask) am I writing about Pre-Paid Legal or pre-paid anything.

I came in contact with Pre-Paid Legal because I had to make out a Will.

Certainly one can do the same thing on-line with an array of choices but I recall someone telling me that if you screw things up it can be difficult to make it right.

So for me I needed the assurance that the Will was done right. Most people will feel the same way. Knowing that you have access to an attorney is comforting and there is the knowledge that the Will is done correctly. As a member of Pre-Paid Legal you will have an immediate discount of 25% for such legal services. Every bit of savings counts.

But as I continued to checked out Pre-Paid Legal I found another item that was of extreme importance to me and that was Identity Theft. This is a horrible on-going problem happening everyday to many unaware people.

Just imagine buying a home (buying anything) and finding out that your identity is being shared (of course without you knowing). You will be tasked to get everything cleared before the close of escrow and the likelihood of that happening is very small. You will have to put your life on hold, pass on the home purchase and clear your identity.

We periodically read all of the stories and the hardship faced by people whose identity was stolen. It is a heart wrenching, traumatizing violation of them as a person. And it is always surprising. How did it happened? Why did it happened? What went wrong? Who did this?

I know of a man who had his identity stolen. He is different today. Don’t get me wrong he is still a very nice person but he has changed. He is extremely cautious. He changed because of this event and it makes him angry.

Banks and credit card companies first look and listen to people of identity theft and then treat them as though it was just a story and are of limited help. It’s your problem; not theirs.

People who suffer with ”identity theft” are in no-man’s land. They are tasked with getting everything cleared up and usually they are on their own.

These people are extremely mad (my friend was mad everyday as well as he/they should) and then they find that they are viewed not as a person violated but as something else. It is a situation in which they are tasked with proving themselves innocent while the institutions view them as guilty.

With Pre-Paid Legal an individual has options.

The first is that one can choose a restoration which with the help of a designated company steps will be taken

to assist in organizing the details;
educate you on the process;
immediately contacting fraud centers within the Social Security Department (if needed), the Post Office, Equifax, Experian and TransUnion.

In addition a review of public records, credit accounts and a sundry of items is undertaken none of which any of us know about until we have to do it ourselves.

Imagine getting assistance

with law enforcement;
check clearing houses;
Department of Motor Vehicles;
notifying work and collection agencies;
contacting all of your creditors;
and find out if these credit card companies extended you more credit based on the misuse of your identity information.

I personally would not know where to start but having a service that is in my corner is helpful. But most certainly it does not take away the pain and time to get everything resolved.

A further review of Pre-Paid Legal indicated that while Will preparation and Identity Theft were options, there were other items that could be considered such as:

contracts and document reviews;
get phone calls or letters written on your behalf for any subject matter;
legal consultation;
IRS audits;
trial defense if you or your spouse are named in a civil or criminal action filed in court;
motor vehicle services and host of other items which can be had at reduced rates.

Most of us will instantly say “we don’t need any of these things”. And that is true UNTIL we need them. For instance:

How many people today need a Will or need a Will updated?
How many people have signed a contract wishing they had somebody that could review the contract before signing?
How many people have had problems with an insurance claim?
How many people have had trouble with a warranty on a product?
How many people need help to collect child support?
How many people paid a bill they knew wasn’t theirs or thought unfair and belatedly inflated?
How many people are there they have received an inaccurate credit rating?

As mentioned in the beginning I am a real estate broker and the protections that one can get from Pre-Paid Legal are certainly items that can save real estate buyers and others from surprises.

Another facet that I like about Pre-Paid Legal is that an individual has an option of using this venue as an income source by becoming an affiliate.

I mentioned Identity Theft and to be sure today one hears advertised services by just mentioning someones name such as Rush Limbaugh or Hannity or whom ever.

These most certainly should be reviewed and compared.

But the thing I liked about Pre-Paid Legal is that the person that talked to me about Pre-Paid Legal is close by. I could physically see them and listen and become educated of the process.

Your personal and family requirements are the most important factors that have to be considered.

I am not an insurance person but when a young man or woman tells me that they are going to buy life insurance I ask why? Mind you I am not against life insurance but when a person is very young I would think that disability insurance would be the more important to the individual and the family.

The chances of getting hurt is higher than passing away. The same is true for the services from Pre-Paid Legal. We don’t need them now but later we are glad to have them.

Visit Pre-Paid Legal and find out for yourself the protection that your can buy or the income option that can help you in your daily lives.

Simply click on www.prepaidlegal.com/hub/johnduffner and you are on your way.