Who regulates pre-paid legal plans?

Pre-paid legal service providers are required to provide either a written agreement of the services provided in their plans, or at least a written communication concerning the services covered, together with the fees to be charged for services not covered in the written agreement of membership.

However, most people gloss over “terms and conditions” and just sign the agreement assuming they are covered for most legal services. This usually gives rise to frequent complaints about the service, fee disputes and complaints about attorneys.

Generally, if you have any complaint with your service, you should first address any such complaint with your service provider. Contact them to get information regarding their in-house complaint process and settlement of disputes. If you are unsatisfied, then it helps to know who regulates your kind of legal insurance.

Your state’s Department of consumer affairs licenses and regulates all pre-paid legal plans. Prepaid legal service companies are required to register with the department prior to commencing business and appoint a sales representative. Further regulation can be provided by your local bar association.

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Who is involved in Legal services?

When you subscribe to a pre-paid legal service, you are likely to deal with an attorney and a number of other individuals and organisations who are involved in one way or another with the service. It’s important to understand the role of each participating party in a legal service plan,
particularly when you’re unhappy with the service or when fee disputes or any other litigation with your provider arises.

So, who is involved in your pre-paid legal arrangement?

• Your Lawyer

You get to choose your attorney from a pool of attorneys in the network. Your lawyer is your point of contact for any phone advice or office consultation. He is the one who furnishes other legal services specified in your written agreement with your provider: he drafts your will, reviews simple contracts for you, writes letters on your behalf and makes phone calls to adverse third parties. If you are unsatisfied with the quality of work you are getting from your current attorney in the network then you have the choice of choosing alternate attorneys. You can also make a complaint to your provider’s in-house charge of complaints.

If you benefit from legal services under a group plan scheme then there are a number of parties who are involved in this scheme. First the contracted firm, just as is the case with an individual plan, is the one which provides all the legal help through its network of attorneys. There are also two parties involved in the deal: a plan administrator and a plan sponsor.

A plan sponsor is the organisation you are member of, which sponsors your legal plan. Your sponsor can either choose to provide the legal services as a fringe-benefit, as is the case with most employers, pre-charge for the service - universities usually charge for any legal service as part of tuition fees – or charge low-costs, as do trade unions under a group-bargaining scheme.

Your plan administrator is the person appointed by your sponsor to arrange for the panel of lawyers from the contracted firm to provide services, collects all the fees paid into a pre-paid plan, publicizes the plan and handles enrolment and marketing. The administrator may be a an employee of the sponsor, an insurance company or an outside firm.

• Regulating Authority

Authorities that regulate pre-paid plans provide you with an outline of how pre-paid legal services are managed and also an outlet in case there are any complaints. Individual pre-paid legal plans are generally regulated by your state department of consumer affairs. If you are an employee participating in a group plan funded by your employer, then the legal services are covered and regulated under the deferral Employee Retirement Income Security Act (ERISA).

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Types of Prepaid Legal Services

Over 100 million Americans are signed up for pre-paid legal services. Also called legal insurance, these plans are similar to those provided by Health Maintenance Organizations (HMOs) and cover the legal needs of the member, spouse and any dependent children.

In a prepaid legal service plan, the customer pays a fixed monthly subscription fee of up to $25 for the services of pre-selected lawyers. The most basic plans provide advice and consultation by telephone. Plan members receive a few hours of free office consultation with their assigned attorney. They may also include review and advice on simple legal documents, preparation, drafting or an update of a simple will. Phone calls and letterscan be written on behalf of members, a service helpful for credit problems and consumer protection.

More comprehensive plans cover clients’ personal legal needs ranging from services that require more time and effort on the part of your attorney, such as contracts, wills and deeds, to legal representation in negotiations and courts cases related to family matters, bankruptcy and real estate issues.

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Types of Legal Plans

A prepaid legal plan is a scheme based on the payment in advance of a set fee to defray the cost of providing future legal services to the members enrolled in the scheme. They vary in cost, scope of legal coverage provided and how the legal services are provided. We will look at the different types of pre-paid legal plans available in the United States and how to enrol into them

An individual pre-paid legal plan is readily accessible to the general public. There are two types of individual plans: access and comprehensive. An access pre-paid legal plan is the most basic plan. It is designed to give easy access to lawyer and a set of simple legal services for a low cost. Basic services furnished include unlimited toll-free phone access to your attorney for consultation and advice, letters written by the lawyer on your behalf, brief office consultation and the drafting or review of simple legal documents.

Complex legal issues not covered will be subject to an hourly or flat rate negotiatable with your provider. The comprehensive plan goes beyond basic legal services, to offer more complex and comprehensive coverage for a premium in cost. Generally, all the benefits of an access plan are provided at no cost to you, plus a broader range of services like drafting complicated legal documents, negotiations with adverse parties, legal representation in court cases such as divorce and child custody. They also cover all the costs involved in a legal litigation. Comprehensive plans typically start at $300 per year and are most beneficial to middle-class families.

A group legal plan is typically sponsored by an organization as a fringe benefit to its members. The lawyer or law firm contracted provides free or low-cost legal coverage to all members of the sponsoring organization. Employers, labour unions and even universities are now increasingly offering group legal plans to enhance the value of their benefits package and reduce the cost of administrative burden. Law firms are contracted to provide participating members telephone and office consultation for their most frequently needed legal matters. These typically include: Preparation of wills and trusts, document preparation and review, debt and real estate matters and family law.

Additional legal coverage can be contracted according to a fee schedule negotiable between the plan sponsor and provider, and publicised to participating members.

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Legal Plans: An Intro

What if you could pick up the phone and call an attorney to get advice about any and all legal matters of interest to you? The attorney would draft your will, review it and update it for every other year, make phone calls and write letters on your behalf negotiate your contracts and represent you in court. If you are traveling in another state and need any form of legal advice, he will refer you to a competent attorney in that state for no extra cost to you.

This all seems great on paper, but the mere thought of paying hundreds of dollars an hour to put an attorney on retainer is enough to persuade most people not to seek legal coverage.

You will be surprised to know that such coverage does indeed exist under an arrangement similar to your health or insurance plan. Pre-paid legal plans offer you access to all these legal services, for a monthly charge of $10 to $25. If you are employed, you may incur no charge if your employer provides legal services as a fringe benefit.

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Why you need legal help

We are likely to need legal help at least once a year, yet most of us do not actively seek legal help.

This is borne out of data from a survey conducted by Leo J. Shapiro & Associates, on behalf of the American Bar Association’s Section of Litigation, which shows that close to three quarters of American adults experience some event during a twelve-month period that may require the services of a lawyer. Over half of those who needed an attorney chose not to hire one, and close to 80% of those yet to experience legal problems gave strong indications they might go down the same route.

Why all the doom and gloom? Price is the most sticking point for most consumers. When it comes to hiring a lawyer, hourly fees of $100 up to $1000 are out of reach of most people’s budget. And then comes the trepidation of searching for a good attorney and the right service: there is a lot of uncertainty and confusion as what a lawyer will do, and how to tell the good from the bad.

A legal plan may solve these problems and change the way you think of legal services. Thanks to this arrangement, you can now talk to a lawyer whenever you have a problem, without fear this will leave you out of pocket. In fact, you don’t even need to be embroiled in a legal problem to get legal advice: just pick up the phone, call your attorney and get the necessary legal advice susceptible of resolving any potential problems –with professional legal advice and follow-up, you can prevent ninety percent of your legal questions becoming legal problems. Basic services such as the drafting of your will, review of sample health contracts and writing letters on your behalf are handled at no cost to you. If you want further coverage to include family problems, such as a divorce or custody of children, and any legal representation in court, then you simply pay a premium and get more inclusive coverage.

Even if your plan doesn’t cover complex legal matters, it can still save you money on those sky-high attorney fees. Discounts of up to 20% are offered on hourly and flat rates. Ultimately, it’s not all down to how much you can save. Having an attorney readily available at all times gives you peace of mind, in the knowledge that there is someone you can use on retainer for advice and help on anything of legal nature.

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The Legal Way: Why hire a Tax Law Attorney

The Legal Way: Why hire a Tax Law Attorney

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Why hire a Tax Law Attorney

Reasons to Hire a Tax Law Attorney

The IRS is probably the most feared arm of the United States government. There are people who fear the IRS more than they do the FBI or the CIA. In facing this branch of the government, you will need a lot of help. While some people may advice you to get a Certified Public Accountant, there are lot of reasons not to do so. In fact, what you should do is get a tax law attorney.

Why should you hire a tax law attorney?

First of all, facing the IRS means that you either haven't hired an accountant, or your current accountant has done a pretty bad job of managing your finances. This means that it is already too late to hire another CPA to fix your problem. The IRS has already done the math, so you will be wasting resources if you hire another person to do it all over again. You need to focus on areas that you still need to prepare for. What you need is a competent tax law attorney to help you with the legalities that you will be facing.

There is also the issue of client-attorney confidentiality. While a CPA can be forced to divulge any information concerning your accounts to a court, a tax law attorney is legally exempted from doing so. Remember that this confidentiality can be extremely important during trials.

Another advantage that tax attorneys have over CPAs is a deep understanding of the ambiguity of tax law. CPAs are trained to recognize something as either black or white. They are trained to categorize things very specifically and may not recognize the various gray areas of tax law. A good tax law attorney knows that the law can have a thousand different interpretations and uses this fact to your advantage.

A tax law attorney can also help you by giving you truly complete advice. This is because of the fact that they are experienced in matters involving tax laws. A tax law attorney will be able to give you advice on different legal measures that you can take to solve your Tax problems. A CPA can only help you in terms of fixing your budget or computing your taxes, but can offer very little help regarding how to fix your tax problems.

A tax law attorney, on the other hand, can show you a lot of things you can do to legally get the IRS off your back. A good tax law attorney can help you by giving you various tips on how to compromise with the IRS and end up paying much less than what you might think is your due.

The IRS can use different techniques to intimidate you into paying the amount that they will insist you owe. People who are unfamiliar with the methods of the IRS often pay this amount without taking the time to question why. A good tax law attorney can help you get over your fear of the IRS and meet them on the legal battleground. A good tax attorney will have the resources necessary to help you overcome any intimidation tactics that the IRS may use to force you to pay.

The best reason that you can have to hire a tax law attorney is the fact that taxes are based on laws. This means that taxes are the natural stomping grounds of tax attorneys. They know their ways around it and they know how to survive it.

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How Significant are Finance Tax Attorneys

Finance Tax Attorneys: How Significant are They?

Being a finance tax attorney requires adequate knowledge about the law on tax especially that he will not only be confined to the task of representing his clients in the court for criminal or civil lawsuits but his task also extends up to providing valuable advices to people. His advices are much needed for the issues regarding tax laws as well as with the ways on how tax liabilities will hence be minimized in such a legal method.

If you are faced with the pressing issues regarding tax planning, it is essential that you discuss with a professional finance tax attorney so that you will be able to reap out the best advices which are nonetheless recognized by the law.

With the aid of the finance tax attorney, you will be made aware of the steps as to how you can minimize your paid taxes, avail of rebates or exemptions, and the best scheme of filing your income tax rebates. Both of the state and the federal tax laws are very much complicated that most of the times these laws vary from one state to another. Tax exemptions are mostly to be availed by the senior citizens.

So if you are not aware of the existing terms concerning these exemptions, you might as well need to refer your issue to a reliable finance tax attorney.

Do not take these matters into your own hands. Making decisions without prior conference with a finance tax attorney may be risky on your part. If you insist on taking matters into your own hands, you may deal with legal troubles in no time at all. You can minimize your taxes but ensure first that the steps that you will take will be in conformity with the legal procedures known to everyone in the government. Take note as always that the Internal Revenue Service is on the lookout for tax evaders and tax violators. One false move and you’re dead meat!

Finance tax attorneys are the persons who take the full responsibility of representing their clients in the court. Their clients may be a single individual or an organization that is held under inquiry for cases of tax fraud or tax evasion.

The steps taken by the finance tax attorneys include putting up a negotiation with the Internal Revenue Service as well as defending their clients during the criminal case proceedings and when found guilty, it is their duty to work on the possible reduction of their clients’ penalties. Most of the proficient finance tax attorneys work out for the most possible court settlement for the tax evader so that the penalties to be suffered when he or she gets convicted will be lesser.

It is a better option to confer with a finance tax attorney rather than with a tax accountant or tax advisor since as a legal guidance, he cannot be dragged by the law to spill out any conversations that transpired between him and his client. Tax advisors are likely forced by the law to testify against an individual or an organization that is facing charges on tax crimes. It is again another very significant matter to find the right finance tax attorney who is not only famous and reputable but also has the necessary skills that will save you from hot water.

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How Significant are Finance Tax Atorneys

Finance Tax Attorneys: How Significant are They?

Being a finance tax attorney requires adequate knowledge about the law on tax especially that he will not only be confined to the task of representing his clients in the court for criminal or civil lawsuits but his task also extends up to providing valuable advices to people. His advices are much needed for the issues regarding tax laws as well as with the ways on how tax liabilities will hence be minimized in such a legal method.

If you are faced with the pressing issues regarding tax planning, it is essential that you discuss with a professional finance tax attorney so that you will be able to reap out the best advices which are nonetheless recognized by the law.

With the aid of the finance tax attorney, you will be made aware of the steps as to how you can minimize your paid taxes, avail of rebates or exemptions, and the best scheme of filing your income tax rebates. Both of the state and the federal tax laws are very much complicated that most of the times these laws vary from one state to another. Tax exemptions are mostly to be availed by the senior citizens.

So if you are not aware of the existing terms concerning these exemptions, you might as well need to refer your issue to a reliable finance tax attorney.

Do not take these matters into your own hands. Making decisions without prior conference with a finance tax attorney may be risky on your part. If you insist on taking matters into your own hands, you may deal with legal troubles in no time at all. You can minimize your taxes but ensure first that the steps that you will take will be in conformity with the legal procedures known to everyone in the government. Take note as always that the Internal Revenue Service is on the lookout for tax evaders and tax violators. One false move and you’re dead meat!

Finance tax attorneys are the persons who take the full responsibility of representing their clients in the court. Their clients may be a single individual or an organization that is held under inquiry for cases of tax fraud or tax evasion.

The steps taken by the finance tax attorneys include putting up a negotiation with the Internal Revenue Service as well as defending their clients during the criminal case proceedings and when found guilty, it is their duty to work on the possible reduction of their clients’ penalties. Most of the proficient finance tax attorneys work out for the most possible court settlement for the tax evader so that the penalties to be suffered when he or she gets convicted will be lesser.

It is a better option to confer with a finance tax attorney rather than with a tax accountant or tax advisor since as a legal guidance, he cannot be dragged by the law to spill out any conversations that transpired between him and his client. Tax advisors are likely forced by the law to testify against an individual or an organization that is facing charges on tax crimes. It is again another very significant matter to find the right finance tax attorney who is not only famous and reputable but also has the necessary skills that will save you from hot water.

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