Prepaid legal
is what I think of it lol :-p but it could also be helpful to a point. if you know what your getting into. It might be worth looking into haro..... 
:wink2:
10-17-2006, 09:58 AM
#6
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I've been wondering about it. A guy I worked with had it and made good use of it when an ex-wife was using his stolen debit card. I think it'* basically like legal insurance. If you get F-ed over and you need a lawyer, you're already covered. If you screw up there'* still some benefit to having it, but you may have to pay a little more - not sure on that though. Either way, I believe you have unlimited consultation when you're signed up and last I heard it was somewhere around $35/month. So again, basically I'd look at it as signing up for legal insurance. Someone please correct me if I'm wrong, but that'* my interpretation.
10-17-2006, 10:12 AM
#7
It is legal insurance. And, the last I checked the rates were at $25 a month to get started. At the time there was no initiation fee, either. That may have changed, however.
When the salesperson was trying to get us to join it was explained to us on a tiered system. Whereby you could only get a certain amount of consultation per month. They were NOT at your disposal for everything. So, in the first six months you could get 1 hour of advice. The next six months you could get 1 hour and 15 minutes. After 3 years, the level of advice went up to 3 hours per month. If you went above and beyond that allocated amount of time the hourly rate was equal to that of a regular attorney.
The benefit is not there for the cost. An hour of coverage can be sucked up in a phone call, especially with the consultation minimums. 2 minute phone call would be logged at the 30 minute minimum.
When the salesperson was trying to get us to join it was explained to us on a tiered system. Whereby you could only get a certain amount of consultation per month. They were NOT at your disposal for everything. So, in the first six months you could get 1 hour of advice. The next six months you could get 1 hour and 15 minutes. After 3 years, the level of advice went up to 3 hours per month. If you went above and beyond that allocated amount of time the hourly rate was equal to that of a regular attorney.
The benefit is not there for the cost. An hour of coverage can be sucked up in a phone call, especially with the consultation minimums. 2 minute phone call would be logged at the 30 minute minimum.
10-17-2006, 11:29 AM
#8
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I have it at my job at Cablevision. It paid off over 3 times with tickets. I never had to show up each time and just paid court costs no points!!!
Guess I was lucky but yeah its worth it imho.
Guess I was lucky but yeah its worth it imho.
10-17-2006, 11:36 AM
#9
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well we got approached and asked if we would be interested in it and well we went to one of there meetings and it seems like a pyramid scheme to me but it has been established. That is the only thing that has kept my interest. They tried to get us to try and sell it if we were to join it. It is a little too much money right now each month unless I get a second job.
