What You Have to Know About Prepaid Legal Services?

Working with a lawyer will be an expensive prospect, specifically when you are strapped for money. But, you shouldn’t despair as there’s another alternative. You are able to always opt for prepaid legal services. Advice of the defense of competition can be quite similar to developing a health insurance, but instead of getting coverage for health, you will be getting coverage for legal services.

Each month you would need to pay a fixed amount. This will likely entitle you to get certain legal services by making a call. Depending on what the prepaid legal service company offers, you can have access to things that are small like writing a will or reviewing legal documents, or even more complex legal issues like bankruptcy or divorce. Based on the plan you have taken, the service could also file motions or represent you in court. However, if this is not part of the plan, then you definitely will have to pay an addition sum because of this type of service.

This particular program has been on hand in the US since the 1970s. Some states consider prepaid legal service to be a sort of insurance, and therefore, in those states, the service falls under the purview of the insurance commission.

Usually folks who are unable to afford a lawyer turn towards prepaid legal service. The main perk of deciding on this kind of service stands out as the price. This type of service is incredibly economical when compared to hiring the assistance of a full-fledged lawyer.

The other benefit of using prepaid legal plans is the way the pricing is done. A lawyer invariably has a complicated way to figure out his or her fees. He or she can charge you by the hour, flat rate or maybe a contingency fee. Nonetheless, once you take a prepaid legal plan, you are paying a fixed amount on a monthly basis, and in case you happen to call for a little service which isn’t covered by the plan, you’ll be notified immediately about the added amount you would want to pay. In addition, for the fee that you are paying, you are entitled to unlimited consultation via telephone.


Nevertheless, with all of the rewards, there are also some drawbacks to this sort of service. For instance, you won’t have a choice on the lawyer, and furthermore, the caliber of the service might not be at par with a personal lawyer. Therefore, when choosing a prepaid legal plan, it is best to take a look at the services and simply take those you believe you’ll require. In addition, find out whether the business enterprise has a process to handle complains and how complains can be lodged. Above all, make sure you choose a firm that is trustworthy and reliable.

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