I'd cancel this. It's a gimmick.

If you're worried about having money for legal advice down the road then just take $40 a month and set up your own account. When you get to $500, put it into a high yield CD account and watch it grow. Giving lawyers money for anything is bad enough, but giving them money upfront as insurance is not a wise investment.

We've only used a lawyer twice in 25 years. Once to have a will drawn up when the kids were small and another to have a deed drawn up. Both were about $200 or so each.

With any contract you have three business days to cancel. I'd cancel this one in a heartbeat.

I wouldn't go for that...unless you're in legal trouble often or have a lot of dealings with legal documents or something. I doubt it would be very useful...and more than likely a waste of money in my opinion.

~Zoo

Donna, I run a pre-paid business service. For the low cost of $40 a month I will be happy to answer this question and any other you may have in the future. Thank you. ::

I'm going to give a different answer, and I'll tell you why afterwards.

I believe it depends. It can be a good thing for some people, but in your case, Donna, it's probably unnecessary.

When we dealt with the false accusations against us by the "good" members of our community, we consulted attorneys. For a $3000 retainer, we could have just simply handed it over to a lawyer and not had to worry about it. In the case of PPL, we probably could have contacted them and had them draw up a letter and never heard another word.

HOWEVER (and this is why I say you probably don't need it), I was able to draw up a letter with a few hours' effort and research that accomplished the same thing. My legal standing was crystal clear, all I had to do was draw up the paperwork.

And this is why it depends. If you aren't intelligent enough to craft a well reasoned legal sounding document, PPL might be a good thing in our increasingly litigious society. Especially if you have kids, as many parents have faced accusations that have cost them thousands to refute simply because they made the mistake of irritating the wrong neighbour or ex-spouse.

But I believe you're plenty competent to do the things you need to, Donna. For all of the things it WILL cover, PPL won't cover the actual retainer if you actually NEED an attorney.

Once to have a will drawn up when the kids were small and another to have a deed drawn up.

unless you're in legal trouble often or have a lot of dealings with legal documents or something

This is one of my main reason for doing it too. Just for future reference.

It can be a good thing for some people, but in your case, Donna, it's probably unnecessary

But I believe you're plenty competent to do the things you need to, Donna.

Thx! And you're right. I have written letters for myself and others without a problem once I did my research so it's not hard to do. I was just thinking of 'what if'. My hubby isn't too happy with it and usually he agrees with the decisions I make. I will have to cancel it , especiall after doing some research, there is a 50/50 concensus on it. Some for, some against. Some used it with success, others says it's a waste of time, as you say, it just depends. And yea, if the service I need is not covered under the agreement, it's a 25% discount on the lawyer's fees.

Donna, I run a pre-paid business service. For the low cost of $40 a month I will be happy to answer this question and any other you may have in the future. Thank you

I might just take you up on that Chris!!

As a business it's not a very good one to go into either. They make it sounds as if you earn a lot more but in essence it's a pyramid thing and the one above you makes the most money. They do well on the stock market though if you invest in them. But then again, that may be because of how they list their earnings!

I have to go with the concensus.  The program is for lawyers to make money, not for your benefit.  LIke a gift certificate, if you dont use it you lose it.  Plus, if you really started to use it 9and hence be a drain on them), they would cancel you.

Call your pre-paid legal service and ask them how you can legally cancel such a deal.

Call your pre-paid legal service and ask them how you can legally cancel such a deal.

I have to go with the concensus.

I did cancel. I called her this morning and got her voicemail. Then when I hadn't heard from her after calling her twice, I wrote a letter and I also called my bank to cancel the check and any transactions they might do. She called me, she was pissed! I understand her being mad, but she didnt' give me the chance to explain why I decided to cancel it which was rude I thought, she just basically shouted me down on the phone and I held on to my patience while she got their customer service on the line and I told them verbally. Do you know she already processed the paper work according to her. Mind you I left her last night at 7:30pm. Anyway, she's mad but when I got the gut feeling that I did the wrong thing I checked it out some more and decided to cancel it. I so appreciate you guys imput!

I think the reaction you got from her shows you made the right decision in canceling. From a Christian POV it's testing the spirits. And the spirit behind this doesn't sound too good from what you've mentioned here.

Well, there ya go. When someone over reacts like that then they're not exactly professional. Makes me wonder what would've happened if you actually had to depend on them.

~Zoo

I think the reaction you got from her shows you made the right decision in canceling.

Well, there ya go. When someone over reacts like that then they're not exactly professional. Makes me wonder what would've happened if you actually had to depend on them.

Exactly! She was so nice to talk to and then she turned into the pirahna from hell!!

I listen to my instincts for guidance al the time but I was ignoring it. The bells went off when during the whole thing she didn't want me to think it over or wait a day, It was kind of surprising that she didn't want to do that and I usually don't get talk into things which was surprising! I know it was a sale for her but she didn't even give me the chance to apologise she told me she's not going to waste her time listening to me! The nerve! I just let it go, cause she's upset.

Yes. That is exactly right.

If it had been a good idea not to cancel, she would have been worried about you making a mistake rather than angry at you.

If it had been a good idea not to cancel, she would have been worried about you making a mistake rather than angry at you.

Exactly!

Hey forever,

Here's my perspective. I DO have Pre-paid legal and Identity Theft plan.

I have participated in this plan for two reasons. My wife is a foreign national and when I bought it we were in the US immigration process and knowing I can talk to an immigration lawyer to answer legal questions was a huge benefit for us.

I looked at hiring an immigration lawyer to help with the forms and they wanted about $1800 and this was a 'friend' discount.

We found that it was cheaper in the long run to go through prepaid and the lawyers I spoke to were very helpful.

I also have Identity Theft as well, which recently I just had my info stolen has been helpful in dealing with this.

I know not everyone has the same situations that I have but it has been useful for my family.

I do not see this as a scam. The problem is many people sign up and don't use it. If you don't use it then you lose it as Doc said. If you don't use it, it is your own fault.

My Recommendation: If don't see it as being useful to you then don't sign up. It is only designed to 'defend' you if something happens. I live in rural area and if it weren't for the immigration things I probably wouldn't have it. I've tried selling it for over a year and learned what I posted previously.

I hope that helps.

Yes, most of the sales people I know are pretty pushy. Maybe she was a former used car sales woman? hehe