Are Pre-paid Legal Services Worth The Money?
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You may have insurance coverage for health,auto. life, and your home, but what about possible legal expenses that may crop up?
The question is not if you'll need a lawyer, but when. The American Bar Association has stated that "United States citizens view legal help as a necessity". Yet, most Americans have not used a lawyer more than once due to the sky high attorney fees , anywhere from $100 to $1000 per hour, and the trepidation involved in the search for legal services. Costs are so high, that many people that could otherwise have their criminal record cleared, do not, as a matter of fact if you reside in Florida, then do a web search for "expunge criminal record Florida" to locate the right type of attorney for this matter.
Prepaid legal insurance may be a solution to getting you the legal help you need. The concept is simple, for a fixed monthly subscription, you get telephone access to advice from a lawyer. You pay a fixed amount in advance each month to defray the cost of legal services furnished in the future. These services span various areas of the law, anywhere from reviews of simple legal documents and the writing of a simple will to more comprehensive coverage of trials, divorce, bankruptcy and real estate issues.
Prepaid legal services can be advantageous for people who cannot otherwise afford to retain an attorney whenever one is needed. In effect, prepaid legal services gives you access to a network of attorneys that can give you advice on how to cope with legal issues that may surface in your life. Services not covered by the plan are available to members for a discount on regular hourly rates or flat fees.
The fact of the matter is that over half the people who join these prepaid plans cancel after the initial year. A primary reason for this is that people who do not avail themselves of any legal services in the first year feel that they are wasting their money, so the quit the plan. Another reason is the scope of services offered, which are very basic and limited in nature. Almost all of these plans have a maximum amount of legal services they will offer, then they claim to offer a substantial discount on additional legal services. However, you may be able to get just as good a rate by checking around by yourself. To get your past criminal history expunged, or removed, you cannot utilize a prepaid legal plan, you must do an internet search for a "expungement attorney Florida" to locate this type of attorney in the state of Florida.
An additional problem that can occur with prepaid plans is that you have a high probability of getting assigned to an inexperienced attorney. Because of cost considerations, many of the companies behind prepaid services assign trainee or inexperienced attorneys to handle phone consultation and drafting of simple legal documents. You are also less likely to build rapport and understanding, two of the most important attributes of choosing a good attorney, as over 90% of the work is done over the phone.
Article Source: Articlelogy.com
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