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RE: Issues with Prepaid Legal

Postby montyloree » Thu Jul 24, 2008 09:58:34 AM

sorry geneva00

I started a new thread over hear to talk about Prepaid Legal

/threadview/1259.html
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RE: Issues with Prepaid Legal

Postby geneva00 » Thu Jul 24, 2008 08:19:59 AM

So in what started as a quest for help with CRM it became a discussion on Prepaid Legal. From some of the suggestions I received from this thread

1. I should probably hire another paralegal to deal with this again
2. I should probably contact somebody about my former paralegal screwing me.

And I am going to clarify. I did not dispute the fact that I indeed owed 1 months rent to my former landlord. I disputed the fact she and CRM requested over $3000.00 and not the $700 I rightfully owed and did not dispute. I settled with CRM and my former landlord under duress and the advice of my paralegal. This was done because at one point I had written her a letter a year prior to me leaving that I enjoyed living there. This letter was taken out of context. The property was great. The location was wonderful the HOUSE was a health hazard. I have the pics of the mold and the possessions I lost. I also paid her cash no receipts which also screwed me. In that instance it would have become a trial of credibility.

And to clarify on the settlement. We went to pretrial settlement conference in which neither party could agree. So it was scheduled to go to trial. In between the settlement conference and the trial my paralegal called me and told me that it would be best to settle the matter based on the facts above. And under extreme duress I agreed. This was the last I heard from my Paralegal as well as CRM. I left emails for my paralegal to which he did not answer. I found out two months after default judgment was being made that I was in default of the agreement. This I found out by CRM. Three days after I found out my paralegal conveniently sent me a copy of the agreement in which I may not I did not get a chance to read over or sign. When I found this out I faxed off CRM authorizing payments to be directly made from my bank account as well as requesting they take a greater monthly payment than apparently my paralegal and CRM had agreed upon. Now where I stand now is that a default judgment has been formally made with the court, this amount is double what the settlement was and now I await them to start garnishing my husbands pay.

Sorry for the long winded post
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RE: Issues with Prepaid Legal

Postby montyloree » Thu Jul 24, 2008 08:20:46 AM

the thing I liked about this type of service was this..
You may not need it, but it's a big relief if you've got it.

I would compare it to having a CAA membership. I've had my CAA membership since 1989. I've used it several times over the years, and it's given me peace of mind for the last 19 years knowing I'm covered.

http://www.cbc.ca/consumers/market/files/money/prepaidlegal/
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Issues with Prepaid Legal

Postby montyloree » Thu Jul 24, 2008 08:03:00 AM

Fair enough...
Let me get to the bottom of this.

As with all types of services, there are rules that need to be communicated with the customer so that their expectations are met.

I'm starting to see that because of the nature of how this service is marketed, sometimes the sales people are brand new to Prepaid Legal and aren't well versed in all of the details. Thus they aren't explaining it well to the people who are buying it.

I will look into this.. the concept of Prepaid Legal is good. I would love people to be able to use it as a source to help them with their credit issues and other issues if required.
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RE: Credit Risk Management

Postby Ottawa_Chap » Thu Jul 24, 2008 07:43:33 AM

My question with respect to the legal letters would be along the lines of : "Are they standard form letters, or are they truely tailored to an individuals personal needs?"

Thinking that if one runs into, say, trouble with a auto-body shop and wants to "nail their point home", sending a form letter would doubtfully do much more then simply catch the shop managers eye. If further legal action (i.e. follow-up letters/calls) was required, I'd expect fees to be attached - whether discounted or not?
Infuriating one C/A at a time..
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RE: Credit Risk Management

Postby angella » Wed Jul 23, 2008 02:06:03 PM

I remember when this first came out... seems to me, at least back then, there were some basic services included: x amount of letters etc. with the fee.

Most of us will never need that form of service, imo.
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RE: Credit Risk Management

Postby patrob69 » Wed Jul 23, 2008 11:01:05 AM

Hi Monty,

You DON'T get unlimited access to a lawyer for $36/month. You get to speak to a lawyer for X amount of time on a phone. If they do work you have to pay on top of your monthly fee and sometimes the fees are more than what local lawyers charge.

In my opinion, you can call the lawyer referall service in Ontario and get half an hour consultation with a lawyer for FREE.
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RE: Credit Risk Management

Postby montyloree » Wed Jul 23, 2008 10:34:00 AM

hey patrob69

That's why I put it out there. I want to know the truth and what people's experiences are...

Of course I want to make some revenue on promoting the service, and at the same time it needs to be a good service.

What was your experience with Prepaid Legal?

The concept is... you get unlimited legal service for $36 per month. If that's NOT the case, then I want to know about it.
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RE: Credit Risk Management

Postby patrob69 » Wed Jul 23, 2008 08:14:33 AM

Hey Monty,

I love your website and appreciate your insight into the credit/financial world but do your due diligence before promoting garbage like prepaid legal. I understand you are trying to make commission or residual income but by promoting junk like that you will lose your credibility. I used to subscribe to prepaid legal and it definitely was NOT worth a penny!
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RE: Credit Risk Management

Postby montyloree » Wed Jul 23, 2008 07:17:04 AM

geneva00,

I'm starting to promote Prepaid Legal in Ontario, for people who are having legal issues. Have you tried this before.

For $36 per month you get access to a top law firm, 24/7.

I'm curious to know if anybody has tried Prepaid Legal, and how they made out with them.

I signed on with Prepaid Legal as I thought that a service like that could help out alot of our visitors and members.

You don't have to pay $200-$500 an hour for lawyers. You pay ONLY $36 per month!
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