Pre-paid legal plans are promoted under the promise of cheap legal coverage, an attractive alternative to the high fees charged by regular attorneys and law practices. But under the gloss of accessible legal services for the general public, lie a number of limitations.
First, there is a limit on the scope of the legal services provided. Most of what is provided on an unlimited-basis is phone based: calls to your attorney for advice and consultation on legal matters, or phone calls made on your behalf to third parties. Other benefits bundled in the plan are limited: regular visits to your attorneys office is restricted to a dozen or so hours per month, the wills you want drafted or sample contracts reviewed will be carried out on two or three copies per year. More complex legal matters involving more time and effort on the part of your attorney are not provided outright. If you need representation in a court for a lawsuit on the recovery of damages, or a complex lease contract reviewed and approved, then you have to pay regular lawyer fees. Some discounts of up to 25% apply, but you could get the same discounts if not better by the simple virtue of simple negotiations and...
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