(Closed) what are your thoughts on prepaid legal services?

posted 6 years ago in Legal
Post # 4
355 posts
Helper bee
  • Wedding: October 2017

Commenting so I can follow this thread. I recently signed up for some myself through work, so It would be nice to see what others think!

Post # 5
1070 posts
Bumble bee
  • Wedding: July 2013

I work at a law office and I have NEVER heard of this….. sounds like a scam to me

Post # 6
526 posts
Busy bee

Hmmm I have never heard of this.  I have legal insurance through ARAG.  My employer offers it, and for $8/month, might as well.

Post # 9
3572 posts
Sugar bee
  • Wedding: September 2011

I thought it was negative!  That attorneys will try to upsell you, that you can’t really change attorneys, and “Plans which sell through multi-level marketing may refuse to take responsibility for any false promises made by an independent representative, who may well be primarily motivated by earning a commission rather than your best interests.”

Post # 10
269 posts
Helper bee

I’ve never heard of a prepaid legal program until the Jodi arias case…

Post # 11
1161 posts
Bumble bee
  • Wedding: June 2013

Pyramid scheme all the way.

Post # 12
3697 posts
Sugar bee
  • Wedding: May 2012

They wouldn’t be selling it unless they made money on it, which means… you’re losing money.  Sure, there’s a teeny chance that you’ll be the one person out of 1,000 that uses more “value” in legal services than you pre-pay for. 

I guess if you’re both paranoid (or prone to legal trouble) and not able to budget or save, it’s a good option. 

Me – I generally stay on the right side of the law and settle my disputes like a lady.  I also am capable of putting the money I would have spent on some scam like that in a savings account to spend IF I ever need a lawyer for something and be able to spend exactly what it does cost for the high-quality lawyer of my choosing, not whoever just barely made it over the bar and drew my case. 

Post # 15
10646 posts
Sugar Beekeeper
  • Wedding: January 2011

@rozzy:  I’ve never heard of this unless it was specific to driving so I looked at the link.  What about it did you think was positive?

It looked like a pretty fair article that stuck to the facts but it did point out quite a few issues.  If it works like the linked article, I don’t think it’s a scam, but it sounds like it isn’t really beneficial to most people. 

Post # 16
107 posts
Blushing bee
  • Wedding: May 2014

I used to work for pre-paid legal (it was for Oklahoma/Colorado) and the one I worked for was pretty legit ( I actually worked in the law firm/I was a customer service rep that you gave basic info to before talking to an attorney). Basically, you get to call in and speak to an attorney about any legal issues you have and if needed have them review documents for you (usually a 10 page limit any longer than that and you would need to “hire” the attorney). Last I heard (quit working there in 2011) it was about $27-100 a month. You get a free will and if you need to hire an attorney, you get a discounted rate. They also help with parking tickets and things of that nature. So I guess I would just say make sure that the person or company you go through is legit before you purchase the service.

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