Members and their family will have access to a nationwide network of plan attorneys and will be referred to a plan attorney based on language, area of law, and location.
Free Legal Services
The following nine (9) services are available at no charge from your plan attorney.
Initial phone consultation for each new legal matter (no time limit)
Initial face-to-face consultation for each new legal matter (no time limit)
Review of independent legal documents (6 page maximum per document, no limit to the number of new independent documents)
Plan attorneys will prepare a free Simple Will for the member and their family, as well as update the Will annually for free.
A state specific, web based, free Living Will form is available to Members. This form can be notarized by a Notary Public. Store this document in a safe location
Plan attorneys will help Members represent themselves in small claims court
Assistance in solving problems with government programs, such as INS and welfare
When deemed appropriate by the plan attorney, he or she will write letters on the members behalf (one letter per legal matter, with no limit on the number of new legal matters)
When deemed appropriate by your plan attorney, he or she will make phone calls on the members behalf (one phone call per legal matter, with no limit on the number of new legal matters)
*In many states, Attorney liability may require Plan Attorneys to obtain a retainer from the member prior to providing some of the free member benefits.
Deeply Discounted Legal Services*:
The following are eight (8) commonly used legal services for which plan attorneys have agreed to charge a one-time, deeply discounted fee.
Legal Member Non-Member
Services Rate Rate
Traffic Ticket Defense 89.00 199.00
Name Change 155.00 365.00
Simple Will with Minors Trust 250.00 530.00
Chapter 7 Bankruptcy 750.00 1,500.00
Non-Support (Spouse/Child) 275.00 1,490.00
Simple Divorce 275.00 1,100.00
Regular Incorporation 295.00 585.00
Personal Real Estate Closing 250.00 675.00
*Court costs and filing fees additional.
Guaranteed Low Hourly Rate:
Plan attorneys have contracted to never charge more than $125.00 per hour, or when appropriate, give members a 40% discount off their usual and customary hourly rate, which ever is greater for legal care that goes beyond the free and discounted services described above.
Contingency Fee Discounts:
The contingency fee discount will be a 10% reduction of the state maximum rate or the attorney's usual rate, whichever is lower.
Financial Education & Credit Counseling
This program provides personalized financial education and credit counseling 24/7, 365 days per year through a variety of delivery methods including telephone, live chat sessions, and web based courses and tools.
Free Services Included:
A complete financial assessment will include a review and analysis of household income, expenses, assets and liabilities
Credit & Debt Counseling By Certified Credit Counselors - A credit counselor takes the time to thoroughly understand and assess current credit and debt issues. They will:
Assist in creating a livable budget to balance income and expenses
Provide specific advice on how to deal with creditors
Offer money management and budgeting techniques to help gain control of finances
Develop a comprehensive spending plan and action plan to become debt free
Five private self-paced courses, presented by Visa, that teach the skills needed for smart money management.
Online Tools & Articles – Access online articles designed to inform, assist educate and alert in all areas of money management and how to get help
Online tools for budgeting
Articles designed to help make smart financial decisions
Articles designed to help with family financial and purchasing decisions
Hotlinks to a wide variety of consumer resources on topics such as lending, credit reports, credit cards and vehicle purchasing and financing
Easy-to-use online calculators to help get finances back on track
Calculators are available to help with budgeting and vehicle and home financing
Online calculators to help with budgeting, vehicle and home financing
Online Counseling Sessions “Ask Susan”
A unique opportunity to receive a personalized response to questions on subjects such as loans, budgeting, credit reporting, collections, dealing with debt, and much more. Email your questions to receive a personal response on these and other financial subjects
Housing Advisory Services
Advice covering first time homeownership, affordable mortgages and refinancing
Post Purchase counseling
Reverse mortgages - what are they and how do they work