Prepaid Legal MLM Business – Opportunity Or Scam?

Prepaid Legal Services has become one of the largest and most successful network marketing companies ever. They offer a variety of identity theft and legal-protection services, as well as an income opportunity is someone wanted to become an associate and re-sell those services.

There are, however, some very real concerns and issues about starting or participating in a Prepaid Legal business. In this article, I will provide and unbiased review of the pros and cons of developing a Prepaid Legal business, and see if we can find out whether Prepaid Legal is a great opportunity – or a great scam.

Prepaid Legal – The Good

Pre-Paid Legal Services began in 1969 when CEO and founder Harland C. Stonecipher was involved in a vehicle accident which left him with legal bills. He began researching the industry of European legal expense plans. In August 1972, Harland Stonecipher created Pre-Paid Legal’s predecessor, The Sportsman’s Motor Club, offering legal expense reimbursement services as a motor service club. Pre-Paid Legal started selling plans through network marketing in 1983. Pre-Paid Legal went public on the NASDAQ National Market System in 1984, and two years later moved to the American Stock Exchange.

With over 1.5 million members, they are one of the largest network marketing companies in existence today. Their legal plans are sold by independent associates and can be purchased either by a one-on-one basis or in a group setting as the plans may be provided as an employee benefit. These plans provide preventive legal services, which include telephone consultation on unlimited personal legal issues, document and contract review, and will preparation.

The best thing that Prepaid Legal offers is peace of mind. Knowing that you are legally represented, that you have no danger of having your identity stolen or misused, is a very secure state of mind.

Prepaid Legal – The Bad

Prepaid Legal is a network marketing company, which means that distributor of their services can build a downline and earn income off their distribution channel.

Prepaid Legal is one of the oldest and most established network marketing companies. Being over 50 years old, the first flag that we noticed is they are using marketing techniques that worked better 50 years ago. They encourage people to use their “warm market”, i.e. friends, family, work colleagues, to grow your business.

Prepaid Legal also teaches their distributors to use the “3 foot rule”. This is where you are supposed to talk to anyone 3 feet around you about the Prepaid Legal services and opportunity. That type of thing might have worked back in 1960, but in this day and age, it simply positions the distributors as a desperate salesman looking to make a quick buck.

Prepaid Legal – The Ugly

The fact is, someone could absolutely make tons of money marketing legal service products – if they know how to market effectively. Trying to build a six-figure income on the backs of friends, family, and work associates is more than just a tough sell – it can be downright frustrating, not to mention ineffective. Trying to “sell” and convince people on the legitimacy of your product and opportunity is much less fun and much less lucrative than talking to people that have already expressed a direct interest in what you offer.

In closing, I would say that starting and developing a Prepaid Legal business is lucrative if someone knows how to market effectively. It is not a scam, but like any business, success will be determined by the skill-set of the marketer. Prepaid Legal is definitely not a lottery ticket or a stock option – meaning, you do not just buy in and wait for a payout.

If someone does not have the first clue on how to market effectively, then I would suggest they either learn how to be an effective marketer, or else just use the products and leave it at that.

Paralegal Studies Careers – Providing Critical Legal Services

The fast-paced excitement of a paralegal or legal services career is dramatically depicted in popular and syndicated television shows, such as “Boston Legal” and “Law and Order.” Meanwhile, the local and national news, as well as court and justice television programs, have provided coverage of high-profile trials and legal proceedings that have made major headlines over the past several years. With such easy access to law and legal action courtesy of the American media, it is no wonder that so many young Americans want to complete law degrees or paralegal certificates each year.

Like any career shown in the media – medicine, business, advertising, and so on – real-life law and legal careers do not always embody the back-to-back high-drama excitement portrayed on television. However, they are consistently interesting and engaging, requiring workers to devote focus to their careers. To get started in an entry-level legal or paralegal career (these terms will be used interchangeably throughout the article), a potential employee will typically need to have a degree – or have completed legal studies training courses or a paralegal certification.

Entry-level competition for any career, including the paralegal profession, can be tough. Students who have pursued a paralegal certificate or degree are usually considered to be stronger candidates for entry-level careers in law. This is because completing an education demonstrates that a student is mature and responsible enough to handle a daily legal services workload. Many schools in the United States offer a paralegal studies degree program to prepare students for an array of exciting legal careers. Some of the stronger programs are also approved by the American Bar Association (ABA).

The legal studies or paralegal degree program: What do students learn?

The most important skill sets that a paralegal or legal assistant will employ are good reading comprehension and writing abilities. The majority of a paralegal’s work involves reading and writing, and some legal documents or court briefs can contain fairly complex language and concepts. Besides English reading and writing courses, many paralegal studies programs require students to take specific classes in legal research and legal writing.

Strong research and documentation skills are other important components of a legal studies education. Upon completing a paralegal certification or legal studies career training program, students must be able to quickly and accurately find and interpret federal, state, and local laws, research legal precedents set by previous hearings or decided cases, and track down evidence that will support the case. Because the career opportunities for paralegals and legal assistants are very diverse, many legal programs require students to study several areas of law. Many ABA-approved schools offer classes in criminal law, family law, property and probate, torts, and civil procedure.

Many schools offer career placement options for students completing a paralegal studies or legal services degree program. These student-centered career resources can include resume-writing workshops and cover-letter coaching, as well as job leads – and career placement. This placement is often targeted in the area of the country in which the college is located. For example, a Los Angeles college might offer students placement assistance in Long Beach, Huntington, Irvine, Cerritos, or another city in Los Angeles County, California. Students interested in legal or law careers are most successful at the entry level when they use all of the resources their school or college offers, including career counselors and legal or paralegal job resource boards.

After the legal studies education: What do paralegals and legal assistants do?

Upon completing a degree and career training program, legal studies students will enter jobs with varying descriptions and duties. Paralegals perform many direct tasks for the rest of the legal team. A paralegal or legal assistant might be assigned to one lawyer or to a team of lawyers. For example, a litigation paralegal might assist the legal team in preparing for trial, which includes gathering and organizing evidence and court briefs; doing research and writing briefs for the case, and even preparing courtroom arguments or evidence exhibits.

Some of the documents a paralegal will write are dependent upon the area of law in which he or she works. Estate and trust paralegals are likely to assist in writing wills and financial contracts. Family and divorce law paralegals help write divorce agreements, child custody briefs, and hearing summaries, or or work with the courts in obtaining child abuse testimonies. Financial and corporate paralegals can prepare tax forms, work in government compliance, or write business contracts.

A paralegal might also be employed in the public or the private legal sector. Legal assistants and paralegals might take notes in meetings, help to prepare employee tax and benefits forms, and file records and major papers for the law firm. Some employees might have more opportunities to perform more extensive legal research, as well. Other employees might be in charge of determining whether individuals are eligible for food stamps, housing subsidies, social security assistance, and other benefits.

According to the United States Bureau of Labor Statistics (BLS), the need for paralegals and legal assistants is expected to increase more rapidly than average through 2014. This is partially because Americans live in an increasingly lawsuit-prone society, and partially because it is more cost-effective for law firms to hire legal assistants to perform the work of an attorney. A comprehensive education in legal concepts and applications from an ABA-approved or accredited paralegal studies or certificate program, a thorough, post-college legal career search, and the desire to work hard at acquiring increasingly challenging job responsibilities will enable a legal studies student to begin a fulfilling legal career.

Tough Enough For It

Our economy is suffering extremely during these times.
With the cost of fuel going up and the housing market
crashing Americans are starting to feel the squeeze. Especially
us folks who carry credit card debt! Fortunately, there are Steps
we can take to work through this.

Yes, it’s true!

None of us were brought up to Face the Crisis that were encountering.
We were not taught it in schools, or by our parents how to manage
Finances.

In fact, you might say that we were all “pretty much”
taught the same way… which was to grow up…
get a job, or… go to college and build a career

A smart person will have an open mind. However, this
doesn’t mean that you have to be gullible to everything
that is out there.

It doesn’t hurt to educate yourself… nor does it hurt to
talk with some people who are already Working in this
industry to work out of these problems.

You may really like what you see, and it may open new paths
in your mind to a new way of business, or… It may steer
you into a whole different direction

Do you agree that getting educated is an important thing
for you to be doing right now?

But the only way to find out is to try. If you don’t try…
well then… that is when you lose in more ways than just
your finances…

When facing foreclosure Time is of the Essence. You MUST act fast to protect your rights.You have options. Don’t face foreclosure alone.Contact someone in your area who understands the foreclosure process and who knows the foreclosure laws in your state.

Time is your enemy!

The mortgage payment is considered late if the lender or servicer receives it after the due date set out in the mortgage. A history of chronic lateness will harm the owner if or when a real emergency occurs. Serious consequences can begin when a payment is more than 15 days late. Here is a typical scenario:

* At 15 days late: The lender usually charges a late payment fee (the timing and amount of late charges vary from lender to lender or servicer to servicer).

* Two or more mortgage payments owed: Unless specific arrangements are made with the lender, all payments and late charges must be made before another payment is accepted and the loan is considered current.

* Three or more mortgage payments due and unpaid: The loan may be given to the lender’s attorney and foreclosure proceedings initiated. The entire balance of the loan may be due and payable immediately. In addition to the loan payments due, the owner is liable for legal fees incurred by the lender. At this point, the owner is in danger of losing the home.

Sometimes those in severe debt want to simply give the keys to the bank. This is called a “deed in lieu of foreclosure” and may not be as seriously damaging to credit but can still harm chances of renting a home or apartment elsewhere.

In an analysis of the subprime mortgage subprime servicing performance from October 2007 to January 2008, state officials said seven out of 10 seriously delinquent borrowers are still in trouble.

The report, which was issued by the State Foreclosure Prevention Working Group, said that figure has not changed since the group comprising state attorneys general and state banking regulators issued its February report, which analyzed servicing performance during October 2007.

“Without a systematic approach, we see little likelihood that ongoing efforts will make a serious dent in the level of unnecessary foreclosures,” the group said. (Reporting by John Poirier; Editing by Andrea Ricci).

Debt Relief Options – Legal Tactics to Eliminate Your Credit Card Debt

After the current recession millions of American citizens are passing through tough times. Due to a series of bankruptcy by the financial institutions the job loss for the employees is at an all time high. People are unable to pay the credit card bill due to lack of money to pay back the debt. To sustain during the recessionary times it is better to plan the financial situation properly.

Due to massive unemployment it is becoming difficult for the American citizens to pay the credit card bill. The government support to the corporations with the stimulus package have made the companies very flexible. After this the companies have become flexible in their approach towards debt settlement.

You need to be clear that its not you who created the economic recession. The banking and lending system have caused this and the debt collectors wants to punish you for their mistake. Before you proceed for the debt settlement its better to start managing your monthly budget properly. Secondly this is the best time when you can negotiate with the credit company to negotiate debt and give back the money in easy installment. These are some of the pointers you must remember-

1.Most of the banks do not have problems with IRS and judicial procedures, banks can sue the customers if you are not paying the credit card debt. If you pay your debt with the government programme for four to six months. Instead you pay the program from your own resources that are under a federal constructive trust. This makes the customer the legal beneficiary from the government. Once you complete few transactions for the purpose that will make you first creditor from debtor. Once the position changes your debt becomes national debt. The receiving banks are equipped with cable transfer from the bank accounts. Once you meet the legal obligation your credit rating and file will not get affected. After this the card user can continue to use the credit card as well.

2.The second legal approach is Banks offers program which offers more than elimination of debt. The process is to help you to recover your freedom and control over your life.

Therefore credit card elimination process requires sincere commitment, absolute clarity and better organizing skill to mange and get rid of the debt.