We never say no to an insurance policy, do we? The chances of your house getting burnt or you dying are quite rare, but despite being improbable, don't you pay a hefty sum towards insurance premium? Then why not towards prepaid legal service, you may ask. Statistically speaking, the number of times you are going to be sued in your lifetime is surely more than the number of times you're going to die. So isn't a few hundred dollars towards prepaid legal services a good investment, if you'll be covered against legal issues for the rest of your life?
Prepaid Legal Scams
Well, only if you were assured that the legal companies would actually do the work that you are paying them for. Scams in the legal issues have been taking place all over the United States with alarming regularity so it is always good to be a bit cautious. While I'm not discarding the idea of prepaid legal services as an out-and-out sham, there are people out there who are giving this system a bad name.
What is the nature of these services scams anyway? Well, while they may not be illegal, they may be ripping you off by giving false promises of legal advice and services but ditching you along the way. Here are some of the things you might be subjected to, if your legal services company is fooling you.
There have been many reports that suggest that the companies offering the prepaid legal services are not really delivering the goods. Scams are occurring as the people pay these companies the required amount of money each month and when the time comes to deliver the service, they become evasive or sometimes even send some unqualified people along to help you.
Most people, due to their own ignorance, end up paying a lot more as premiums as compared to what they would otherwise spend as lawyer fees. Attorney charges for routine work such as consultation and will preparation are negligible for which the price you end up paying as legal services charges are a lot more. At the same time, legal services that are otherwise more expensive, such as court hearings for imprisonment may not be covered in your prepaid plan.
Are you a Victim of a Services Scam
While I'm not suggesting that all the companies involved are part creating the legal scams, here are some sure ways of finding out if you are a being scammed.
Many times, in a bid to appear legally above board, the companies running the scams overdo their part by boasting a 'large network' of legal aid providers. But many times no sources are cited out of this 'large network'. Since they are after your money, they will keep deadlines for registration and fee payment. If they are unable to lure clients, post the deadline period, they will offer substantial discounts. Often there are 'many lawyers' working with them, but no profiles are displayed. Also, I think by now, you must be able to spot a fake testimonial when you see one. The internet is filled with such fake testimonials and they are readily identifiable. But the most appalling mistakes of all are the spelling mistakes these 'lawyers' commit on their websites!
While this idea was started by someone with a seriously noble thought of being able to serve the society, some miscreants have taken it forward and are fooling innocent people and playing with their hard-earned money. There are some precautions you can take to avoid being a part of these services scams. The first one is to ask yourself the question, 'Do I really need it?'. How many times are you hauled into court anyway? What are the chances you are going to need expensive legal services? If the answer to the previous question was that you need legal services often, the next thing to think about is, 'What cost would I incur, if I wasn't covered?'. Before you subject yourself to a long-term payment agreement, do a bit of analysis. See the prices of legal services and compare them to the premium you are paying periodically. Should all the findings be in place in your opinion, make sure the company you are selecting has a good reputation and name. Make sure that the people who vouch for and work for the company exist.
After all, it is your hard-earned money and you should be able to take the best, most responsible decisions.
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