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Guest

I have had the money deducted from my payroll check for the last year (Hyatt Legal Plan) and honestly wasn't sure if I should keep it on. My husband and I have hit bottom financially and I was considering bankruptcy. I called and the rep I spoke to said all legal fees would be billed to them. It is the court costs and filling fees that would have to be taken care of. Any insight is greatly appreciated. I never thought it would get to this point...

Niicss · Posted: Thu Sep 10, 2009 1:21 am Post subject:

I do not feel it would be a good option to use a prepaid legal service for bankruptcy. Rather it would be better if you could consult an attorney personally and take his opinion in this regard. When you consult an attorney, check his/her credentials with the bar association.

Guest

George don't take it personal. Prepaid legal offers great rates and A+++ service. It has changed me and my families financial status.

Guest

PPL is a great way to save a ton of money on legal fees, and I can verify that they use top notch attorneys. They use the same attorneys that you drive by on your way to work every day, those attorneys just sign a flat rate deal with the PPL company in question. In my case I used ARAG, did a chapter 7 bankruptcy and only spent $325 out of pocket ( ARAG paid the lawyer $1750 , I pay ARAG about $25 per month for insurance. I've also used PPL services numerous times in the past for speeding tickets, IRS issues, etc and i've always made out on top, every time.

George sounds like he does not know much about these services, and thus, should not be speaking about them. "Cherie's" post above is 100% on point, she is clearly someone that has used these services before. I realize this is an old topic being dragged back up after some years, but to the OP and anyone else still asking this question- YES, IT IS THE SMARTEST THING TO DO TO USE PREPAID LEGAL SERVICES FOR EVERYTHING< INCLUDING BANKRUPTCY. ONLY FOOLS PAY MORE THAN THEY NEED TO FOR AN EQUAL OR LESSER SERVICE. SINCE ALL OF MY PPL EXPERIENCES HAVE BEEN 100% PERFECT, DEALING WITH A REGULAR LAWYER CAN ONLY BE An EQUAL OR INFERIOR EXPERIENCE

gmakerley · Posted: Mon Apr 18, 2011 7:18 pm Post subject:

Well, Z A...Cherie's post was virtually an advertisement, which is not allowed per site guidelines here.

My knowledge of prepaid legal services or lack thereof, had nothing to do with my criticism of her post, nor did it have anything to do with the specific questions I suggest be asked - as to particular expertise in a topic of law.

I'm sure that there are loads of people who use the service and are happy; I've not said they shouldn't exist, after all.

Guest

Girlfriend introduced me to the Pre Paid Legal service several years ago (as a customer and NOT associate.. Matter of fact she could sell the service but choose not to) have found PPL to be far and way be the best return on investment I've ever made.
While most people may never use it, others like myself who have residential and commercial properities / leases, purchase agreements, personal living wills and ya....... Even the pre-nup that both of us are currently working on (but hate to admit that it's necessary), can't say I've noticed an ounce of difference between using a local high priced attorney over a PPL one. Especially those times when all I needed to do was pick up the phone to ask a simple 5 minute question that I would not of gotten billed a full hour for !! MORE than gotten my money's worth from it 10 times over and oddly enough the only reason I stumbled on this thread was (like others) to quickly check if PPL is able to handle "mopping up the disaster" a local (and allegidly reputable) Southfield Bankruptcy Attorney filed for a friend, and to see if he can sue to get his 1500 bucks back !
Saw some of the comments and had to post !!

Guest

Addition to my other post....... Regardless of all the increased bank and federal oversight into the housing and mortage industry, suggest NEVER being pressured by your banker, landlord and most certainly your real estate angent / broker to using any attorney they reccomend. Seen far to many decent people get "raked over the coals" and lose everything in countless such incidents, and could probably write a book around 12" thick in fine print with the number of realtors and attorneys (well as a few bankers I may add) that were all "in bed" with one another pulling scam after scam during the entire housing disaster. Many (but not enough) eventually got prosecuted, but triple that got quite wealthy at the expense of you, I and the rest of the taxpaying public who were forced to bail the banks out. (and will continue to do so when it all happens again)

Doesn't matter if it's PPL, a local attorney or even a friend who's an attorney... ALWAYS have a non affiliated 3rd party of your choice look over any / all such legal agreements.

Guest

In many plans bankruptcy is covered. The plan will have attorney's that are approved in your area that accept the plan benefits. If you go outside the plan then there are maximum reimbursement amounts the plan will cover.

Check with your plan first but it is more than likely covered.

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Have anyone ever use a prepaid legal service for bankruptcy?