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  1. #1
    Bronze Member
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    May 2007
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    72

    Default Prepaid Legal Services

    Have an easement issue with neighbor. Came across an advertisement for Prepaid Legal Services. Would like to hear from Anybody that may have had enrolled or dealt with this Service? I'm a retired senile citizen and my name i$$ not Rockefeller. Your input would be appreciated. Thank you for taking the time to post.

  2. #2
    Member
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    Dec 2009
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    40
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    Currently Utah, moving back to Illinois soon.
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    Still shopping. Seriously looking at a Branson 4720h.

    Default Re: Prepaid Legal Services

    I have a friend that is working for Prepaid Legal. Known him since HighSchool. He's a straight shooter and trustworthy. If you like, I can get his contact info for you.

  3. #3
    Bronze Member
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    Oct 2008
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    Spokane, WA

    Default Re: Prepaid Legal Services

    Prepaid Legal is a multilevel marketing company that recruits independent people to market legal plans. You pay a monthly fee and have access to law firm/s in your area. The independent reps/distributors build up an organization of other reps and earn override commissions in their downline/s on a monthly basis.

    I knew a guy back in 1998 who got into it. The plans seem decent for basic legal services but the ad you saw was likely a business person looking for people to bring into his/her organization.

  4. #4
    Super Star Member
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    Sep 2000
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    10,146
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    Triangle Of North Carolina
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    JD 4700

    Default Re: Prepaid Legal Services

    25ish years ago I bought into a prepaid legal service. Egads that was a long time ago. Seems like yesterday. Anywho, it was too long ago for me to remember the costs and number of hours of legal time I got but the price had to be cheap since I barely had two nickles to rub together.

    My car was stolen and I quickly found out two things.

    1. The huge sum of money I had been paying Nationwide was a waste.
    2. Nationwide lies and is NOT on my side.

    So I talked to my prepaid lawyer. I was not really impressed. Now it might be I did not like the answers she gave me but I expected a bit more from her.

    As so many things in life you get what you pay for or should. Most lawyers will talk to you before charging. Find someone who is local and knows real estate law. Just someone on the phone may not have the knowledge to help you out with your problem.

    I subscribe to Progressive Farmers and the legal section is almost always filled with easement issues.

    I would STRONGLY suggest you go read MBARB's easement thread that is here on TBN. It has to be the longest and longest running thread on this website. LONG story short he and his nutty neighbor got into a legal dispute over an easement. MBARB lost to the tune of hundreds of thousands of dollars. He lost the money AND he still has the nutty neighbors.

    An easements issue requires a competent lawyer not the lowest bidder.

    Later,
    Dan

  5. #5
    Veteran Member orezok's Avatar
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    Jan 2004
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    1,167
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    Mojave Desert, CA
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    Kubota B7800

    Default Re: Prepaid Legal Services

    I have prepaid legal through Hyatt Legal (MetLife). It's worth about what I pay per year. The biggest problem is that there are a very limited number of plan attorneys in my area and they mostly specialize in estate/will/trust issues.

    Typically they will not handle litigation issues. I have had them write several "demand" letters which solved some minor problems just because the letter came from an attorney.

    Do some research on who and what specialties are available in your area.

  6. #6
    Super Member Dargo's Avatar
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    Mar 2004
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    S. IN
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    Jinma, Foton, TYM, Belarus, Yanmar, Branson, Montana, Mahindra and maybe some green and orange too.

    Default Re: Prepaid Legal Services

    Quote Originally Posted by Dano5509 View Post
    Prepaid Legal is a multilevel marketing company that recruits independent people to market legal plans. You pay a monthly fee and have access to law firm/s in your area. The independent reps/distributors build up an organization of other reps and earn override commissions in their downline/s on a monthly basis.

    I knew a guy back in 1998 who got into it. The plans seem decent for basic legal services but the ad you saw was likely a business person looking for people to bring into his/her organization.
    Yup, was recruited to sell it years ago. Basically the the Amway of attorneys needing money.
    1982 18" Murray push mower (B&S industrial 8 hp engine!) custom deck, new blade - became unbalanced when one side old blade broke off!
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    My trash man is the greatest. No matter how bad the economy gets and how bad stocks drop or how bad home values drop, his business is always picking up.

  7. #7
    Elite Member
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    Jan 2010
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    Oklahoma
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    JD cut

    Default Re: Prepaid Legal Services

    Just my humble opinion,

    1: prepaid legal is more about selling stock in the company and selling plans to unions - less about retaining skilled attorneys to handle tough cases.

    2: Boundary-line disputes and easements are tough cases.

  8. #8
    Elite Member CurlyDave's Avatar
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    Dec 2005
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    4,131
    Location
    Grants Pass, OR
    Tractor
    JD TLB 110

    Default Re: Prepaid Legal Services

    You get what you pay for.

    Don't try to go cheap on something about your land.
    40 Acres on a hill - fantastic view. JD 110 TLB, 4-n-1, 12" bucket, 18" bucket, Addington thumb, rock bucket (doubles as root grapple)

    Not only do we not understand the universe, if someone explained it to us, we would not know what he was talking about.

    Isaac Asimov

  9. #9
    Bronze Member
    Join Date
    May 2007
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    72

    Default Re: Prepaid Legal Services

    Quote Originally Posted by kidkioti View Post
    Have an easement issue with neighbor. Came across an advertisement for Prepaid Legal Services. Would like to hear from Anybody that may have had enrolled or dealt with this Service? I'm a retired senile citizen and my name i$$ not Rockefeller. Your input would be appreciated. Thank you for taking the time to post.
    Would like to thank those that have shared their time & input to post to my question and also those that have read the thread. I did take some time and followed dmccarty suggestion of reading The MBARB's Story. That's a scary scenario!

    Dan writes that I can talk to a lawyer before before charging. However are there any fees just to make an appointment and talk to a lawyer about your situation? Like consultation fees, etc.??? As you can guess I not really versed on these matters and don't try to look for trouble.

    The reason I bring that up is from what the forum has presented concerning Prepaid Legal Services that I agree this will probably not work for me in this case. Thanks for answering my question! KK

  10. #10
    Super Star Member
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    Sep 2000
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    Triangle Of North Carolina
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    JD 4700

    Default Re: Prepaid Legal Services

    Kidkioti,

    Over the years we have talked with a number of lawyers about different issues and paid nothing.

    Not that we are cheap but the lawyers did not charge for answering a couple of questions.

    Our latest round of lawyer talk was due to a car accident about 18 months ago. We have talked with one lawyer quite a few times but we have not been billed for the conversation. I would guess the wifey has talked to this lawyer a good hour spread out over a couple of phone calls and maybe a meeting.

    Usually we just talk to them on the phone and conversation does not last long. Maybe 15 minutes. I can remember one face to face meeting years ago that went on for maybe 20 minutes. No charge for any of these conversations.

    Lets say your easement problem is that one of the people using the easement is damaging the property. I would not expect to pay if I asked the lawyer what can be done about the problem. If the lawyer has to send out a letter or some such then you would have to pay but I would not expect to pay much for that service.

    On the other hand it can be expensive as MBARB's situation...

    Later,
    Dan

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