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.
Monday, May 10, 2010
Sunday, May 9, 2010
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
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
Saturday, May 8, 2010
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).
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).
Friday, May 7, 2010
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 letters
can 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
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 letters
can 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
Thursday, May 6, 2010
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.
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.
Wednesday, May 5, 2010
The access legal plan
Pre-paid legal plans come in a variety of types depending on the scope of
legal coverage they provide.
The most basic pre-paid plan is designed to make the simple legal services
readily available to the general public at low cost. These plans typically
cost between $10 and $30 per month, billed in advance.
You get unrestricted toll-free number telephone access to a lawyer for
legal advice and consultation. You can also make brief office consultations
to talk to your lawyer about any legal problems you may be encountering.
Your lawyer can also write to letters or make phone calls on your behalf.
This can help resolve many problems before they escalate further.
Other services provided are not overly time-consuming: the drafting of your
will to distribute your property after your death, review of your trust and
any other simple legal document.
If you require any other service beyond the scope of a basic plan, then you
can either pay discounts on regular lawyer fees or pay a premium to upgrade
to a more comprehensive plan.
legal coverage they provide.
The most basic pre-paid plan is designed to make the simple legal services
readily available to the general public at low cost. These plans typically
cost between $10 and $30 per month, billed in advance.
You get unrestricted toll-free number telephone access to a lawyer for
legal advice and consultation. You can also make brief office consultations
to talk to your lawyer about any legal problems you may be encountering.
Your lawyer can also write to letters or make phone calls on your behalf.
This can help resolve many problems before they escalate further.
Other services provided are not overly time-consuming: the drafting of your
will to distribute your property after your death, review of your trust and
any other simple legal document.
If you require any other service beyond the scope of a basic plan, then you
can either pay discounts on regular lawyer fees or pay a premium to upgrade
to a more comprehensive plan.
Tuesday, May 4, 2010
Pre-paid legal plans promote preventive law.
Many people believe they need the services of a lawyer, under a pre-paid
legal service scheme, to solve a legal problem or resolve an intricate
situation. Often, your lawyer’s most valuable help could be before you
get involved in legal trouble.
When you sign up for a pre-paid legal plan, you have the right to unlimited
toll-free telephone access to your attorney. The sound advice and
consultation given to you by your lawyer will help you take the necessary
steps to detect and resolve any potential legal problems before they take
more dangerous proportions. This is called in legal jargon “therapeutic
jurisprudence” or “preventive law”. Just as preventive medicine helps
prevent disease by detecting their symptoms, preventive law helps prevent
serious legal consequences by detecting early problems. In an increasingly
litigious society, there is real concern that assets you have worked long
and hard to accumulate may be attacked by creditors and litigants, through
no fault of your own. By the time a potential claim or liability is
identified, it is too late to act.
A competent attorney’s advice is your best option to minimize your exposure
to potential risks and protect yourself from legal problems getting out of
legal service scheme, to solve a legal problem or resolve an intricate
situation. Often, your lawyer’s most valuable help could be before you
get involved in legal trouble.
When you sign up for a pre-paid legal plan, you have the right to unlimited
toll-free telephone access to your attorney. The sound advice and
consultation given to you by your lawyer will help you take the necessary
steps to detect and resolve any potential legal problems before they take
more dangerous proportions. This is called in legal jargon “therapeutic
jurisprudence” or “preventive law”. Just as preventive medicine helps
prevent disease by detecting their symptoms, preventive law helps prevent
serious legal consequences by detecting early problems. In an increasingly
litigious society, there is real concern that assets you have worked long
and hard to accumulate may be attacked by creditors and litigants, through
no fault of your own. By the time a potential claim or liability is
identified, it is too late to act.
A competent attorney’s advice is your best option to minimize your exposure
to potential risks and protect yourself from legal problems getting out of
Monday, May 3, 2010
Prepaid and Small Business
Legal advice for small businesses does not have to be expensive. With
pre-paid legal plans, a wide array of legal services designed specifically
to cater for the needs of small businesses is available for a set yearly
fee ranging from $125 to $300.
Although coverage differs across the board, most pre-paid plans offer
unlimited telephone consultation with a lawyer, a valuable service that is
enough to solve many small-business matters. This encourages
“preventive law”: the process whereby you identify legal problems that
affect your business, contact your lawyer and get advice on taking steps to
minimize them.
Basic plans provide coverage for simple contracts and the drafting of
simple legal documents, like a power of attorney or a bill of sale. More
comprehensive plans will deal with more elaborate matters like equipment
lease and accounts-receivable collection work.
If you are a member of a local chamber of commerce, trade or professional
group than you can get a plan at a reduced group rate. Otherwise, buy
directly from a commercial vendor.
pre-paid legal plans, a wide array of legal services designed specifically
to cater for the needs of small businesses is available for a set yearly
fee ranging from $125 to $300.
Although coverage differs across the board, most pre-paid plans offer
unlimited telephone consultation with a lawyer, a valuable service that is
enough to solve many small-business matters. This encourages
“preventive law”: the process whereby you identify legal problems that
affect your business, contact your lawyer and get advice on taking steps to
minimize them.
Basic plans provide coverage for simple contracts and the drafting of
simple legal documents, like a power of attorney or a bill of sale. More
comprehensive plans will deal with more elaborate matters like equipment
lease and accounts-receivable collection work.
If you are a member of a local chamber of commerce, trade or professional
group than you can get a plan at a reduced group rate. Otherwise, buy
directly from a commercial vendor.
Sunday, May 2, 2010
Pre-paid legal services for small business
If you are operating your own business, you cannot afford to go it alone
when it comes to legal matters. The ever increasing complexities of law,
spiralling costs of lawsuits and the proliferation of government red tape
can land you in a lot of trouble.
The flip of the coin is hardly attractive either! Hiring a lawyer can
constitute a substantial financial investment many cash-strapped small
businesses and entrepreneurs cannot sustain. Lawyers charge a minimum of
$200 per hour when it comes to “business law” and it can get very
costly if you are involved in lengthy legal procedures, complicated
contracts or business transactions.
There may just be a glitter of hope in pre-paid legal plans. For a set
monthly price, some legal providers are now bundling a whole suite of
legal services especially tailored to the needs of small-businesses.
Whether you need phone consultation on the legal complexities of a lease
contract, or require legal representation during tax audits, a pre-paid
plan can help you manage legal costs. An array of services is included as
“standard coverage” at no cost to you in the plan, and any legal matters
not covered can be provided with a discount on fees.
Before you take the leap, you need to keep some caveats in mind.
You need to know more about the quality of service you are likely to get.
While lower fees do not necessarily infer lower quality of work, it is
always necessary to bear in mind that legal specialization plays a crucial
part and lawyers are not interchangeable. Ask for references from previous
clients or ask entrepreneurs who’ve used the services of the provider about
the quality of work they have received from them. Use your state bar
association, service organizations in your locale and your local Better
Business Bureau to research law firms and the background of the attorneys
in the network before selecting them. Things to look for are the number of
years they have been operating, complaints from previous customers, the
education background of attorneys, professional track record and so forth.
With the increasing amount of small businesses involved in litigation and
fee disputes with their legal providers, I iss important to give some
thought to alternative courses of actions when dealing with disputes. Ask
your prospective provider about the way in which they settle disputes or
complaints. Do they have an in-house procedure to deal with complaints,
appoint a senior attorney to deal with such things or do you simply have to
when it comes to legal matters. The ever increasing complexities of law,
spiralling costs of lawsuits and the proliferation of government red tape
can land you in a lot of trouble.
The flip of the coin is hardly attractive either! Hiring a lawyer can
constitute a substantial financial investment many cash-strapped small
businesses and entrepreneurs cannot sustain. Lawyers charge a minimum of
$200 per hour when it comes to “business law” and it can get very
costly if you are involved in lengthy legal procedures, complicated
contracts or business transactions.
There may just be a glitter of hope in pre-paid legal plans. For a set
monthly price, some legal providers are now bundling a whole suite of
legal services especially tailored to the needs of small-businesses.
Whether you need phone consultation on the legal complexities of a lease
contract, or require legal representation during tax audits, a pre-paid
plan can help you manage legal costs. An array of services is included as
“standard coverage” at no cost to you in the plan, and any legal matters
not covered can be provided with a discount on fees.
Before you take the leap, you need to keep some caveats in mind.
You need to know more about the quality of service you are likely to get.
While lower fees do not necessarily infer lower quality of work, it is
always necessary to bear in mind that legal specialization plays a crucial
part and lawyers are not interchangeable. Ask for references from previous
clients or ask entrepreneurs who’ve used the services of the provider about
the quality of work they have received from them. Use your state bar
association, service organizations in your locale and your local Better
Business Bureau to research law firms and the background of the attorneys
in the network before selecting them. Things to look for are the number of
years they have been operating, complaints from previous customers, the
education background of attorneys, professional track record and so forth.
With the increasing amount of small businesses involved in litigation and
fee disputes with their legal providers, I iss important to give some
thought to alternative courses of actions when dealing with disputes. Ask
your prospective provider about the way in which they settle disputes or
complaints. Do they have an in-house procedure to deal with complaints,
appoint a senior attorney to deal with such things or do you simply have to
Saturday, May 1, 2010
Look before you take the leap into pre-paid legal services
Choosing a pre-paid legal plan is a good way to save big bucks, but
choosing a plan you need and a provider you can trust is a different
matter. Here is a number of things to look for in a legal plan from the
very start:
Look for what’s covered: Legal plans are offered in different models and
differ in the specifics of what they cover. While phone consultation and
simple drafting and reviewing of simple contracts are included across the
board, more elaborate and complicated legal matters are not covered.
It’s best to review your own legal needs before you choose a legal plan.
Ask which legal services will you need most and then choose a plan that
provides the best coverage given those needs. For instance, if you are a
business owner, lawsuits, lease and contract negotiations could be high on
your list and you would be looking for a legal plan that provides coverage
accordingly.
Know what legal coverage you already have Don’t pay for coverage twice! If
you have car insurance, then you are covered for liability and medical
protection, home insurance covers you for injuries sustained on your
property… Your existing insurance policies already cover some of your
legal costs and there is no need to pay for that coverage when you select
with a legal plan.
Does the company have an in-house procedure to handle complaints? One of
the stumbling blocks of pre-paid legal services is quality of service.
Newly-licensed attorneys, phone calls not getting answered and that
ointment on any client –lawyer relationship: fee disputes, typically
involving bills made to your credit car to cover for services not included
in your contract… This is just a specimen of the many problems people face
with their plan providers.
Make sure you select a plan that has clear guidelines as to how to settle
dispute when they arise. A company that has a good in-house mechanism to
handle complaints will generally assign a senior attorney with the
authority to handle customer complaints of and disputes with any attorneys
in the network. Secondary sources of resolution may include your state
insurance department or bar association. Check their outlet for complaints
against pre-paid services.
Checking out the business you’ll need to do some homework before you
select your legal provider. Ask these questions: What’s the firm’s
reputation in my area? How many years have they been in business? Have they
been operating in my local area for at least a year without complaints? How
skilled are they attorneys? Do they cover the locale where my business
operates? Some good places to start your background research are your state
bar association, the Better Business Bureau and the Consumer Affairs
choosing a plan you need and a provider you can trust is a different
matter. Here is a number of things to look for in a legal plan from the
very start:
Look for what’s covered: Legal plans are offered in different models and
differ in the specifics of what they cover. While phone consultation and
simple drafting and reviewing of simple contracts are included across the
board, more elaborate and complicated legal matters are not covered.
It’s best to review your own legal needs before you choose a legal plan.
Ask which legal services will you need most and then choose a plan that
provides the best coverage given those needs. For instance, if you are a
business owner, lawsuits, lease and contract negotiations could be high on
your list and you would be looking for a legal plan that provides coverage
accordingly.
Know what legal coverage you already have Don’t pay for coverage twice! If
you have car insurance, then you are covered for liability and medical
protection, home insurance covers you for injuries sustained on your
property… Your existing insurance policies already cover some of your
legal costs and there is no need to pay for that coverage when you select
with a legal plan.
Does the company have an in-house procedure to handle complaints? One of
the stumbling blocks of pre-paid legal services is quality of service.
Newly-licensed attorneys, phone calls not getting answered and that
ointment on any client –lawyer relationship: fee disputes, typically
involving bills made to your credit car to cover for services not included
in your contract… This is just a specimen of the many problems people face
with their plan providers.
Make sure you select a plan that has clear guidelines as to how to settle
dispute when they arise. A company that has a good in-house mechanism to
handle complaints will generally assign a senior attorney with the
authority to handle customer complaints of and disputes with any attorneys
in the network. Secondary sources of resolution may include your state
insurance department or bar association. Check their outlet for complaints
against pre-paid services.
Checking out the business you’ll need to do some homework before you
select your legal provider. Ask these questions: What’s the firm’s
reputation in my area? How many years have they been in business? Have they
been operating in my local area for at least a year without complaints? How
skilled are they attorneys? Do they cover the locale where my business
operates? Some good places to start your background research are your state
bar association, the Better Business Bureau and the Consumer Affairs
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