Complaint Review: Pre-paid Legal Services Inc.

What on earth are you talking about dude? In the three years I've done pre-paid legal-I've bought one identity theft book, 2 dvds, bunch of brochures.....I think in three years I've probably spent around $50 in marketing tools maybe....with the book...i just hand it out to people who are interested and tell them it's the only one I have so can I come by and get it back later...it's a good method so it gives you a reason to come back to them....I do the same with the dvds or I play them on my laptop....All you need to do is get ONE form of whatever you need...and print them out lol.....the only fee's you are forced to pay is the upfront cost...this company gives you so much lee way and choices  that i dont understand how any of you can say you have to buy anything...it's OPTIONAL....you just got some bad advice from the wrong associates....it's simple...everytime you make some money-take half of what you made and put it into some marketing materials if you want...that'll ensure you dont lose money.....

The Independent Associates shouldn't of told you it's an at home business. Yes there are ways you can do this at home but that takes building. You can build a team underneath you and get paid for whatever they do so hence-you dont even need to go out and you could coach them over the phone or email or etc. This typically takes time though. You can also send out pre-approved ads and wait for calls and reply that way at home. Typically though this is done outside of the home too. Just keep in mind 98% of business's fail the first year. You must keep at any business and build or you'll be part of that 98%.

You got done wrong by an independent associate who did this to you and not the company. Under our associate agreement we are not allowed to telemarket this product. I'm sorry this happened to you but you'd need to go after the independent associate.

I do certainly sympathize with your situation but I can assure you that it was the individual that ripped you off and not Pre-Paid Legal. PPL is one of these Multi-level marketing companies but one that I have heard more favorable things about. Not everyone makes it in PPL but it does provide an opportunity.

It's just too bad that someone like the individual gave them a black eye for their shaddy ethics.

Either way, good luck to you. Try small claims court.

Try getting sued and asking them to provide the lawyer as promised. I was promised it and he never showed up to court in a civil matter and then it got really ugly as I lost by default and ended up doing time for contempt of court/failure to appear.

NON-SWEAR WORDS ALONE ARE NOT ENOUGH to express how I feel about these imagine your own adjectives @#$%!

I have been a member and representative of Pre-Paid Legal for over 5 years and know for fact they provide excellent service and never shirk on their bills.

You were merely dealing with an individual who didn't pay their bills for whatever reason. A representative is NOT Pre-Paid Legal and they do not have the authority to contract for the company.

In the future I would strongly suggest you want ALWAYS consider it a private matter unless you have gone directly to the company, NOT the representative, and confirmed who is the actual person or company you are doing business with. This is just a matter of common sense. CONFIRM WHO YOU ARE DOING BUSINESS WITH. A representative can not open an office using a company name, logo, etc and if you had done an inspection of their premises you would have know you are NOT dealing with the company.

Had the INDIVIDUAL over for collection and report them to the credit bureau and stop bad mouthing a company with a sparkling reputation.

Sir/Ma'am

You contracted with an independent associate not Pre-Paid Legal Services, Inc. Therefore, Pre-Paid Legal Services, Inc. has no obligation to pay for services you say you performed. Suggest you edit your report to show the independent associate did not pay not Pre-Paid Legal Services, Inc.

Sir/Ma'am

You contracted with an independent associate not Pre-Paid Legal Services, Inc. Therefore, Pre-Paid Legal Services, Inc. has no obligation to pay for services you say you performed. Suggest you edit your report to show the independent associate did not pay not Pre-Paid Legal Services, Inc.

Sir/Ma'am

You contracted with an independent associate not Pre-Paid Legal Services, Inc. Therefore, Pre-Paid Legal Services, Inc. has no obligation to pay for services you say you performed. Suggest you edit your report to show the independent associate did not pay not Pre-Paid Legal Services, Inc.

Sir/Ma'am

You contracted with an independent associate not Pre-Paid Legal Services, Inc. Therefore, Pre-Paid Legal Services, Inc. has no obligation to pay for services you say you performed. Suggest you edit your report to show the independent associate did not pay not Pre-Paid Legal Services, Inc.

We are not in operation at this time and has not conducted and business in any way over the internet or by postal mailing. This report is a NIGERIAN fraudulent report, to which we are receiving many entries in our email box on a daily basis. If there is any questions about this, please call Eric at (603)285-2208

Folks,

We are living in an ever increasing complex society that can be very confusing to many people, and guess what, it will get worse before it improves. I am an Independent Associate with PrePaid Legal and I have literally skipped meals to pay for my membership, that is when I began marketing memberships. I believe the Legal Plansand the Identity Theft Plan are great products backed by 2 very wonderful companies (PrePaid Legal Services Inc. and Kroll Int.) that provide wonderful services for our clients.

Generally speaking, The majority of the complaints that I have encountered are not hinged on a poor product or service, it was an Independent Associate that cared more about his next commission than taking care of someone elses needs. We as a society need to re-educate ourselves and one another on how to be responsible for not only what we are out in the field doing and saying, but we also need to be responsible enough to take corrective action when some does a poor job in delivering our message.

Afterall, the folks that purchase our memberships are the ones that should come first in the whole process. We owe it to our clients and to ourselves to operate responsibly and deliver honestly, with the utmost integrity what our services will provide for our clients. Then, and only then, we will have a successful book of business.
Thanks!

My mother and father own their own millworking buisness. They build and install cabinets on jobs for larger companies. Now if the people who are supervising (who represent said company) don't like how fast they are moving or the quality of work, they tend to give them a hard time.

To give you a prime example of how this pertains to PPL. My mother took pictures of her cabinets were men had pee'd in cabinets and left cigarette butts in her cabinets (basically vandalizing her work) so she could prove if she had to that it wasn't her fault. The owner of the building might complain to the main company and then trickle down to my mother but it would be on my mother, the person who provided the service either way.

Sounds like you provided a service on a hand shake and nothing else and got burned. I have been in the same boat when selling a dog, which is why I am glad I am purchasing PPL Services.

If you provided services to an Associate, then you need to collect from the Associate. All Associates are Independent Contractors, not employees. There are good and bad in every walk of life, and yes, I'm sure that some are in PrePaid like every other walk of life...as I'm sure that there are good and bad flakes in your type of industry.

If you have issues with collections, the business plan has a great answer for that! You should check it out!

I am an associate with Pre-Paid Legal Services, Inc. I am an independent contractor and not an employee. Associates cannot in any way obligate our corp. office or contract services on their behalf. Your contract was with the individual and only have recourse with him. Pre-Paid Legal is a 35 year old New York Stock Exchange company. They did not get there by not paying their bills. The founder, Mr. Harland Stonecipher has been elected three times to the Board of Directors of the US Chamber of Commerce. Scams and ripoffs just don't get there. We have former Attorneys General from numerous states on our Board of Advisors.

I think it is pretty irresponsible to blame a company for what an independent contractor does or does not do. You might think about aiming your complaint at the person responsible for the debt, the associate not the company.

I am an associate with Pre-Paid Legal Services, Inc. I am an independent contractor and not an employee. Associates cannot in any way obligate our corp. office or contract services on their behalf. Your contract was with the individual and only have recourse with him. Pre-Paid Legal is a 35 year old New York Stock Exchange company. They did not get there by not paying their bills. The founder, Mr. Harland Stonecipher has been elected three times to the Board of Directors of the US Chamber of Commerce. Scams and ripoffs just don't get there. We have former Attorneys General from numerous states on our Board of Advisors.

I think it is pretty irresponsible to blame a company for what an independent contractor does or does not do. You might think about aiming your complaint at the person responsible for the debt, the associate not the company.

I am an associate with Pre-Paid Legal Services, Inc. I am an independent contractor and not an employee. Associates cannot in any way obligate our corp. office or contract services on their behalf. Your contract was with the individual and only have recourse with him. Pre-Paid Legal is a 35 year old New York Stock Exchange company. They did not get there by not paying their bills. The founder, Mr. Harland Stonecipher has been elected three times to the Board of Directors of the US Chamber of Commerce. Scams and ripoffs just don't get there. We have former Attorneys General from numerous states on our Board of Advisors.

I think it is pretty irresponsible to blame a company for what an independent contractor does or does not do. You might think about aiming your complaint at the person responsible for the debt, the associate not the company.

I am an associate with Pre-Paid Legal Services, Inc. I am an independent contractor and not an employee. Associates cannot in any way obligate our corp. office or contract services on their behalf. Your contract was with the individual and only have recourse with him. Pre-Paid Legal is a 35 year old New York Stock Exchange company. They did not get there by not paying their bills. The founder, Mr. Harland Stonecipher has been elected three times to the Board of Directors of the US Chamber of Commerce. Scams and ripoffs just don't get there. We have former Attorneys General from numerous states on our Board of Advisors.

I think it is pretty irresponsible to blame a company for what an independent contractor does or does not do. You might think about aiming your complaint at the person responsible for the debt, the associate not the company.

Douglass, obviously you read the article but did not follow the link to the previous released study from javelin stategies. The fact is that there is no way to know how many victims there are honestly. All we are doing is basing our information off of some mathmatical percentages and assumptions based off of a small amount of reports and people who answered surveys. Some surveys saying it is declining some say it is rising.

To the guy that says ID theft was going down as of 2007 your info is wrong it is going up and will continue to go up

http://www.news.com/Study-Identity-theft-keeps-climbing/2100-1029_3-6164765.html

http://www.baltimoresun.com/business/bal-bz.idtheft10apr10,0,7273377.story

thats just a few articles

If identy theft is caught right away it is easy to track down and recover but i know a guy I worked with he was 28 years old had to change SS# and spent over 3000 to get his credit half of what it was.

Sean from Michigan,
You are indeed correct. Identity Theft Restoration is indeed a luxury/service. Instead of the victim having to wade through the research(usually after the fact), credit report review(s), and taking the steps on his/her own to restore their good name, and credit. A company with 30 years of experience can have the company do the major legwork. I would have liked to save the time and heartache of having to clear my name, and credit history for me. It took me 6 months off and on to clear my name. Unless it happens to you, you have no idea of what being a victim is. It wasn't just one credit card I was worried about, it was my whole financial/personal background , my job, my good name, that I was worried about. Consumers should be worried too, and educate themselves about identity theft. Identity Theft on the decline? Why are there so many companies touting Identity Theft protection of some sort? Why do I have 216 pages of companies that have had their data breached? I have the CITRMS course, and I'm about through with it. "Identity Theft Expert"? Well, I think someone dealing with "Forensic Accounting" would be an expert. You CAN get credit reports from the bureaus, YOU can monitor yourself, and YOU can do your own restoration. THIS is not the point! This is a service provided by the best company, Kroll(30 Years and going strong)that has dealt with the problem since the widespread use of the computer and internet. From my research, and dealing with people who don't know what the hell their talking about, it's easier to commit the crime, than to deal with people who don't know what their talking about. Lifelock? I call it AccountLock. Over and Out.

Sean from Michigan,
You are indeed correct. Identity Theft Restoration is indeed a luxury/service. Instead of the victim having to wade through the research(usually after the fact), credit report review(s), and taking the steps on his/her own to restore their good name, and credit. A company with 30 years of experience can have the company do the major legwork. I would have liked to save the time and heartache of having to clear my name, and credit history for me. It took me 6 months off and on to clear my name. Unless it happens to you, you have no idea of what being a victim is. It wasn't just one credit card I was worried about, it was my whole financial/personal background , my job, my good name, that I was worried about. Consumers should be worried too, and educate themselves about identity theft. Identity Theft on the decline? Why are there so many companies touting Identity Theft protection of some sort? Why do I have 216 pages of companies that have had their data breached? I have the CITRMS course, and I'm about through with it. "Identity Theft Expert"? Well, I think someone dealing with "Forensic Accounting" would be an expert. You CAN get credit reports from the bureaus, YOU can monitor yourself, and YOU can do your own restoration. THIS is not the point! This is a service provided by the best company, Kroll(30 Years and going strong)that has dealt with the problem since the widespread use of the computer and internet. From my research, and dealing with people who don't know what the hell their talking about, it's easier to commit the crime, than to deal with people who don't know what their talking about. Lifelock? I call it AccountLock. Over and Out.

Sean from Michigan,
You are indeed correct. Identity Theft Restoration is indeed a luxury/service. Instead of the victim having to wade through the research(usually after the fact), credit report review(s), and taking the steps on his/her own to restore their good name, and credit. A company with 30 years of experience can have the company do the major legwork. I would have liked to save the time and heartache of having to clear my name, and credit history for me. It took me 6 months off and on to clear my name. Unless it happens to you, you have no idea of what being a victim is. It wasn't just one credit card I was worried about, it was my whole financial/personal background , my job, my good name, that I was worried about. Consumers should be worried too, and educate themselves about identity theft. Identity Theft on the decline? Why are there so many companies touting Identity Theft protection of some sort? Why do I have 216 pages of companies that have had their data breached? I have the CITRMS course, and I'm about through with it. "Identity Theft Expert"? Well, I think someone dealing with "Forensic Accounting" would be an expert. You CAN get credit reports from the bureaus, YOU can monitor yourself, and YOU can do your own restoration. THIS is not the point! This is a service provided by the best company, Kroll(30 Years and going strong)that has dealt with the problem since the widespread use of the computer and internet. From my research, and dealing with people who don't know what the hell their talking about, it's easier to commit the crime, than to deal with people who don't know what their talking about. Lifelock? I call it AccountLock. Over and Out.

I am sure it is easy to pay someone and give them a power of attorney to sign your name and investigate your ID theft crime of for instance your paypal account. The credit card company not you was the company with the loss. You will have to make sure that the credit company reports correctly to the reporting agency about your true debt. Accounts that are not yours do not belong on there and so on. You are not resposible for those amounts frauded. All your doing reporting it to the police and the FTC is letting someone know so you are not liable which helps out your affidavite with supporting evidence.

ID theft restoration help is not a need it is a luxary.

I am sure it is easy to pay someone and give them a power of attorney to sign your name and investigate your ID theft crime of for instance your paypal account. The credit card company not you was the company with the loss. You will have to make sure that the credit company reports correctly to the reporting agency about your true debt. Accounts that are not yours do not belong on there and so on. You are not resposible for those amounts frauded. All your doing reporting it to the police and the FTC is letting someone know so you are not liable which helps out your affidavite with supporting evidence.

ID theft restoration help is not a need it is a luxary.

I am sure it is easy to pay someone and give them a power of attorney to sign your name and investigate your ID theft crime of for instance your paypal account. The credit card company not you was the company with the loss. You will have to make sure that the credit company reports correctly to the reporting agency about your true debt. Accounts that are not yours do not belong on there and so on. You are not resposible for those amounts frauded. All your doing reporting it to the police and the FTC is letting someone know so you are not liable which helps out your affidavite with supporting evidence.

ID theft restoration help is not a need it is a luxary.

I'm really, really amused. Someone posted that credit card companies, private companies etc. do credit monitoring etc. So why would you need what Pre-paid has to offer? Why? a little background. Before I knew who, and what Pre-Paid was, I was a victim of identity theft. Some hacker or phisher infiltrated Paypal, and got my information, and proceeded to alleviate my account of $750.00, plus some other damage. Six months later I had taken care of most of my problems myself. That was after, filing the police report, dealing with the FTC(Federal Trade Commission), etc. I had the credit card company contact me about the breach. There was alot of heartache and tears from me, I'm a single father.( the credit card company could have cared less, they gave me the info and said bye) and was promptly told how to go about reporting the incident of identity theft with the FTC, and given a thick book to read and take action on.

Since I was a military member, and had a security clearance, I needed to report what happened to the criminal investigative services for my branch of service. The exact words of the investigator was good luck, these cases are hardly ever prosecuted. On my own, I was able to trace the culprit back to Israel. Even with giving ISP addresses etc. to the officer was not enough. They are sick and tired of hearing about identity theft cases. Think crime doesn't pay? Think again. As a matter of fact, many local law enforcement agencies won't even handle the report. Check it for yourself. So I do the most I can do , to protect myself. Really, it's not enough, people have a false sense of security. I say false because facts stand on there own. Check out privacy.org and get scared. They've only been reporting since Jan 05. My argument is that Pre-Paid has teamed up with Kroll. They offer Identity Restoration services. Wow, for a whopping 12.95 a month, if thats what you only want to have to do with Pre-Paid, thats it. So instead of dealing with a really bad situation by yourself, they are handling it for you, vice doing it on your own.

Anyone having a problem with pre legal i would contact Joel Sansone a lawyer in Pittsburgh Pa, he cleaned them out once before in Arizona

While this thread has become a debate to whether or not Pre-Paid legal services are really worth while and wether or not the company and its associates are ethical people who provide good or not so good customer service.

There have been associates or defenders of Pre-paid legal who have posted in here. I want to discuss Jay's posts in the past. First, people pay a fee to become an associate. They are interested in making money full or part time. Some believe they will make retirement in time. My question is to why is it that out of 450,000 associates only 8,000ish are doing any selling. Have they given up or is nobody buying into this trend which supposally is just beginning or was that also told 10-20 years ago that it was the newest trend?

Point is lets look at your team your team which might be at least 4 associates did not even sell enopugh memberships to make a living. What are you doing? Why is it so hard to sell the memberships? What are the reasons you are told that people will not sign up instead of myself assuming here.

You state that just because Pre-Paid is listed on the NYSE it is a good company. What about Enron then?

You have an opinion that an attorney who is rated by martindale hubble is better than one that is not. But, Martindale Hubble states not to think less of an attornet basses on thier lack of being rated. While you go on braging to customers about how 92% of the attorneys will be av rated. it is not a garuntee to be represented. Actually according to Pre-paid legal via the application online to become one of thier attorneys you do not have to have a rating at all. So this must mean to me that the rating doesn't make the attorneys any better. Your also giving customers a false sense that having an AV rated attorney will happen and is part of the package.

In an earlier post you stated to me a few items. One was about a woman who sues you because you hit her and she says she has whiplash. You state I would need counsel then. I am not sure if you understand how car insurance works. it is actually differnet in all states. Just like the fact why in Michigan you do not need a license to sell your product but in Oklahoma you might need to. Im Michigan we ahve no fault everyone knows that if you are sued for health or vehicle expenses that your insurance company does send an attorney for you for court. Mostly for them to protect themselves because insurace pays medical costs etc before you are having to.

You also state that I would not get very far arguing my speeding ticket without an attorney there. It is your right to talk to the jusdge about your speeding ticket. I am sure if you are in the right about your circumstances the judge will figure it out and you will have the judge side with you. For instance the fact if the officer is trained un usage of the radar equipment.


You state that you believe only 20% of the poeple are using attorneys wile 80% are not. You stated that you feel that an attorney fee of $150 an hour is expensive. You offered myself in a post a false sense of product when stating the legal plan of 35.95 will make the fees affordable at 35.95 a month.

I also bring up to you that ID theft statictics are showing that ID theft is Down and not rising. according a most recent survey of victims it took on the median 4 hours to take of thier ID theft and there was no money involved. If anyone here wants to discuss ID theft I am very knowledgable almost an expert on the subject. I do not have a certification like a CITRMS like some might say they have. But if they are CITRMS why would they quote you statistics about ID theft back from 2003? Pre-paid legal is still using information on the subject of ID theft from 2003.

I hadn't checked this thread in a while so I thought I'd have a quick look, and what a surprise there are new people with the same old tired complaints. Oh, and these complaints are no more viable than they were the last time I checked this thread. So, here we go!

1. If the company didn't do what you thought they should do, maybe you should have READ THE MATERIAL that the associate gave you including the exclusions. Everything about our coverage is written in black and white all you have to do is perform alittle bit of due diligance to find it. You were told it would be a 25% discount, ok, so some part of your case disqualified you from full coverage. Can't be helped. Look at your life insurance. If you're already sick, or you're a smoker, or elderly you get charged more, same thing here folks.

2. No attorneys in your area? What? I think you're just full to the brim of the brown stuff, but in case you're not did you contact the company to see what was going on? Not the lawyers, the company? I'm betting no. I live in a little rural town that REALLY has NO lawyers and they always find someone to help me. Every time. You're just flat out wrong.

3. Couldn't cancel your membership? If this happens to anyone else, call me. My direct line is (270)217-3363 That is my real cell phone number call me, I'll 3-way you into the company, and make sure you're taken care of. Problem solved.

4. Identity theft problem? What's the problem? Listen Kroll, INC is the world's BEST when you're talking ID theft, plain and simple. That's not even Prepaid Legal it's a partner, go complain on their site. But no matter what your problem is with this company I have no problem whatsoever telling you that you're probably the one in the wrong. Now any company can make a mistake, but I highly doubt whatever's wrong falls in the direction of a company like Kroll

5. Only 8000 associates sold 10 or more memberships last year. And? How many people do you work with that don't pull their weight? Look, some people just sign up as an associate in case they come accross someone that wants the membership they don't want to or try to sell it. Some people quit the business but keep theire membership so they are still fully vested but not actively marketing, just pulling residuals and overrides.

6. Its a pyramid scheme. DON'T! That is the most idiotic statement I have seen aboout this company. Hey! You know, you shouldn't post things like that on the internet because we;ve been fooling the government and the NYSE for over 35 years, and it took you, what? Two minutes to figure it out? So shhh! Seriously its just showing your ignorance, do be quiet. A pyramid scheme by definetion is a community of friends filtering currency without the rendering of goods or services. Clearly we are rendering services as we have been for 35 years. It is not a pyramid scheme... Give it up.

7. "If you've sold (blah,blah,blah) Memberships let's have your full name so we can verify it". First you can't verify it, but if you contact me directly I will gladly send you a copy of my activity report stating that as I'm typing this rebuttal My organization has produced 63 memberships(28 of those being mine) in the past 14 months on a very, very part-time basis. contact- (270)217-3363, jeremyd_33@prepaidlegal.com speak to you soon!

8. Give it a rest. There are about 20 million americans with some type or form of legal services at this very moment its a new market, a new industry get used to it, we haven't gone anywhere yet, don't count on this idea dying any time soon.

9. Prepaid Legal Services, INC as a company does exactly what they say the do. There are bad assocaites out there trying to make a quick buck, personally I wish these people had just passed up the opportunity, but there are good, honest people out there too, if you catch red flags going up while talking to them, find a new associate that is willing to help you. Due Diligance is YOUR responsibity, if you don't do it you can't blame anyone but yourself. Not really, eventhough many of you have tried to place blame on this thread its your fault for your own misfortune or misunderstand, accept it and overcome it. If I can help in any way, please let me know my contact information is listed above.

Thank you all for your time.

First off, I was watching WWE RAW and I thought I'd answer your questions while they were going through some boring interview. Been a very long day for me. Some idiot was



1. You may have been sold the wrong policy, if you were self-employed at the time I would have recommended the Legal Plan For Self-Employed. The discount would have been the same however there could have been more options available for you. I cannot answer your question about the rates quoted simply because I don't know what amount where you quoted, which attorneys quoted the prices, and what were their credentials. that's referring both to the PPL attorney and the competitor. however when choosing a lawyer, you should be more worried about the credentials than the amounts. There is always someone that will beat any price that's quoted. That's with any business. I should tell you about My Cousin Vinny one of these days, he'll defend you for free.

2. It wasn't a legal matter at the time, its a criminal matter and should have been reported to the authorities immediately. Its also not identity theft because you gave him the check for the rendering of services whether they were given or not. Unless he started writing bad checks in your name and opening up credits cards then that's a different case. Now you could have gotten consultation for free on taking him to small claims court. Did you consider that?? Nevertheless, you shouldn't give some stranger a check. That's crazy you friend.

3,4 & 5. Check your ticket. I garrantee you were charged with something else other than speeding such as reckless driving or aggressive driving. If that was the case, than its still a 25% discount but trial defense would have been invalid. And the best way to avoid speeding tickets is to stay the speed limit. Are you name Richard Petty or something??? Take your lead foot off the peddle. Dang nabbit.

6.?? Not enough information.




Pre-Paid Legal Services can provide the services but your complaints for the most part have nothing to do with the membership benefits and number 2 wasn't even close to being a legal issue.

Melvin,

As a self employed individual I (like you) am responsible for delivering a product that I sell. I was 'sold' on first the BK discount and then the ability to help with traffic tickets. PPL did not do either. So congratulations on your multiple ID Theft Protections sales and hopefully your lagging company will be able to help any actual victims. Here is a cancellation letter that I sent to PPL which was ignored. It took numerous badgering to have the auto-debit finally stopped.

To Whom It May Concern:

I would like to cancel my membership to PrePaid Legal Services, Inc and request a refund for all monies spent for this service. I will assume you will find my following reasons for refund valid:

Prepaid Legal has never provided a service although I have requested their services on numerous occassions. Some occasion descriptions are as follows-

1) The reason I purchased the services in 2000 was because I was going through a Bankruptcy. I was told that I would save 25% on my proceedings by using PrePaid Legal. That was in fact false. I was charged the same amount as any client by the PrePaid Legal referred attorney. (I was assured by my Rep that it was still worth keeping for speeding tickets etc.)
2) I again tried to use your services this year for help on a collection account. Abigail and myself were outside my office when approached by an individual who claimed he could fix a dent on the front quarter panel of my car. He asked only to hold a check which he would return if we were not 100% satisfied with his work. When we came out of my office to check his progress he had already left without fixing the dent. We promptly stopped payment on the check due to this obvious fraud. We later received a notice from a collection agency for the collection of the check monies. The man who committed the fraud had cashed the check at a Check Cashing center. I sent all the info to Sandra Tang (ref #287852). The response was sorry we can't do anything. That's it. If your company can't help with something as obvious as this fraud, what can you help with?
3) Still being apathetic and not canceling I continued to pay PrePaid Legal Services. I soon received a speeding ticket. I again called in to PPLS and faxed in my ticket. The response there's nothing we can help with.
4) Another speeding ticket- this time the response was well were you going that fast? We can't help you. Great legal advice and help.
5) A third speeding ticket (all of these within 1.5 months and my first for the past 10 years). This PPLS response was my favorite.you should slow down and you won't get so many tickets Great thanks for all the help I've paid for monthly over the past 5 years.
6) Finally I asked advice regarding the short sale of a home and was given incorrect information. Fortunately an attorney friend of mine caught the mistake right before I would have lost tens of thousands of tax dollars. So it appears that even if I get an answer, I cannot trust it.

I would like a refund and this debacle to be ended. Obviously any threats of legal action would be empty and useless since you know as well as I do how inept my prepaid attorneys are.

Please call with any questions or further clarification or intake numbers.

Thanks and Regards,

First off, this thread has been going on for about 4 years and quite frankly, it bores the heck out of me as it originally had to do with a telemarketing company that was cheated by an associate . So I'm going to make a few points.

1. I can care less about how many associates sold 10 memberships in a year. I've sold more than that in 45 minutes from doing one ID Theft Seminar. Being an Independent Associates is just that, being independant and being responsible for your OWN SUCCESS OR FAILURE. Its called being self-employed.

2. Pre-Paid Legal Services takes care of the most common legal issues and provides a 25% discount for stuff it doesn't cover. All of that information is in every brochure or DVD. There is no insurance that covers everything, not medical, care, home or life insurance but people still have it to reduce the expenses if and when it happens. 25% is better than nothing and that's what most people have to settle with unfortunately.

3. Residual income is for real but for only the people who are truly doing the footwork...see number one

4. ID Theft is a major issue and whether its our service or Lifelock or whatever, people still need ID Theft Protection. However, if your ID is stolen then more than likely you'll need some assistance from an attorney. People have died from ID Theft but people have died from taking aspirin, eating a hamburger or drinking a bottle of water. Its important to make valid points about ID theft but its better to leave out the very rare consequences of it

5. Despite the bickering, people can make their own decisions about Pre-Paid Legal Services from the information they gather about it. I'd rather spend time with those who are willing to listen than the close-minded.





That's all and hopefully this thread will be put out of its misery

You people that work for them, are idiots! I had used PPL, oh wait, i tried too and i got denied. They said that was no attorneys in my area. Hmm...i was living in the same place as i was when i had that service. It was a joke. I was robbed! I tried to cancel that membership for like six months. It was before i started making threats and contacting other attorneys that i was told that were non-existant at that time. Hmm, funny how irony works with your company. Does cheat and steal work there too? Low and behold, WITH ALL THESE COMPLAINTS, that should tell you something, this company is a joke they take peoples money like they are an insurance company, but its legal services? Isn't that an oxymoron? I think so, you idiots don't know how to keep a company clean. I'll tell you one thing, if i EVER see anyone out there promoting or advertising, oh hell, working for them, you see me face to face; i will make your life a living hell!

I was an independent rep for ppl, this is one of the most dishonest companies out there.They do not honor their word,either verbally or in writing. Anyone out there who signs up for ppl services is in for a big surprise when the time comes that they actually need the services that they paid for.

As the sales reps, ppl will cheat you out of every penny they can. So chalk this up as experience I seriously doubt that you will ever recover anything! So pass the word!

It is obvious that only 70,000 ish associates have only sold more than one membership in 2006. This means that l3ss than 25% of the the people have sold only 1 membership. This also means that those associate who did not sell 10 memberships have to be member of the legal plan to be vested and then eligible to receive money.
There is no Quota but you have to still keep a membership. You state you have sold hundreds of memberships then what is your full name so we can look you up there? Anyone can claim anything here. Point in fact is do not quit your day job to do PPL.

I have scanned through all of these posts, and read many, and seen this same comment in several regarding the business opportunity.

Something like ...

"If this is such a great opportunity why is it that only 8,000 or so (insert your number here) independent associates of the 400,000 on record, are marketing more than 10 memberships a year?"

Isn't it OBVIOUS? Those would be the 8000 or so associates who are really WORKING their business. The rest are sometime-ers and part-time-ers and hobbyists. Like any other business endeavor, if you don't work it won't work. And not everyone wants to make millions.

Many folks just want a few hundres extra a month or the money for that new (insert gadget/goodie/gift here), and they are satisfied with that. No one is forced to do more than they want, i.e. NO QUOTAS required to remain an associate, and no penalty for taking a 'time-out' no matter how much time out you opt to take.

There are several folks here who have tackled the "it didn't do what I was promised" complaint, and done so quite well, so I'll leave that topic alone.

Yes, I am an Independent Associate with Pre-Paid Legal Services, Inc., and proud to be so. I can also tell you that after personally marketing hundreds of memberships in my first few years, I have marketed only two this year. Why? Because sometimes life gets in the way. Do I blame PPL? Not a chance. It is not the fault of the organization that I have let my eye divert from my goal. Am I getting back on track? You bet'cher buttons, buster!

And still, I get a regular monthly deposit to my account for all the memberships I wrote in the previous years that continue to renew, despite the fact that I haven't written any (well - 2 is almost none) this year. The opportunity gets greater every day. The media advertises for our services multiple times in multiple forums and market areas for us (for free) every single day. It only gets better from here.

It is great to know that you have potential when you are a buisness owner. My question what is the reality and outlook of the Pre-Paid Buisness. Statistically a new associate that starts today per the Companies stated information contained within it's annual report the follow is true from 2006.

Only 8,500(ish) associates sold over 10 personal memberships. What this tells me that out of the over 450,000 associates there are selling why did only 8,500 of them sell over 10 personal memberships?

At a director level one sells an IDT and a legal membership and makes roughly about $250.00 knowing from the last 10Q IDT sales are not common so most sales will be legal plans only. So you might sell 200.00 a membership so at 10 memberships a year that is $2,000. You will need to sell at least 350 memberships to make 70,000 a year. This is 1 membership a day at least.

So, My friend who talks about making more money. Show me the money please. Are you going to sell 350 memberships a year?

Hi there

I would like to express my opinion and facts to you as not only someone who is an associate but a proud member and one who understands the sales and marketing game since the early 90's in a city that used to be huge in scamming Americans

Well I guess casino's are still scamming patrons
After all weren't they created by criminals?

First of all lets touch on the company itself

This company has been around since 1972
That is approximately 35 years
Now think about that
We have an FBI force, detectives, FTC, FCC, State Consumer Affairs divisions nationwide, CIA, Terrorism task forces, SEC and IRS of course
Not to forget thousands of attorney's nationwide
There are a lot of professional people in this great nation that understand what we represent and what we sell
It is a service that anyone with the exceptions of a few states that are able to get the program and reap the benefits on and on and on
I've spoken to more people happy with the program and results both as a member and/or an associate that have positive remarks than those that have negative remarks
JUST LOOK AT THIS PANEL

Now to the meat and potatoes

Theres 2 versions of network marketing
A. The right version - where you follow the success formulas of those successful
B. The wrong version - where you deviate and scam people with foolishness to make either the system look bad or scammers who have gotten involved with a legitimate organization and making it look bad
Or at least trying to

2. Let's talk about the DVD
Have you watched the DVD Private Business Reception ?
This dvd is remarkable
It first has 2 top producers Darnell Self and Brian Corothers
Now try to find anything unlawful or unethical that they have done
The dvd has them explain in detail about the membership and associate plans
They show their intimate lives with their family and friends, the nice cars and homes, toys, etc
Their passion and their emotions of how they started and where their at now
WHO DOES THAT FOR 10 MINUTES OR SO IN A PRESENTATION?

And from my own research with online, with the phone conferences, the business meetings, and speaking with all kinds of associates just in the past month is that their enjoying their time with PPL and making good money and if it wasn't a good thing 34 state atty generals would be out and talking bad about it and eventually shut it down long ago
Also with all the network marketing companies I have known about since the 90's I haven't seen such an informative and helpful company where people are there if you need them
WHO DOES THAT IN YOUR JOB?

Where attys answer your questions whether they're the ones you were looking for or not, these are attys with no less than 5 yrs practicing in the field that are willing to talk to you on the phone with the monthly membership rather than having to pay hundreds of dollars for an answer
Look at Dempsey, Roberts and Smith - 11 member attorneys in Nevada that are my representatives for a monthly investment rather than having to pay hundreds of dollars just to find an answer to a problem.
And there is really a big need for this kind of thing that also gives you the chance to make extra income for however you work the program
You would understand if you understand what its like to be in the low income/middle income bracket
I'VE BEEN AT THE BOTTOM OF THE FOOD CHAIN BEFORE WHERE I LITERALLY WAS AT THE SALVATION ARMY WITH THE BUMS

We just signed up a Walmart in Indiana with 800 employees

I am finding more businesses that I contact are already involved

People who have been involved for 8 years
And when the stock is double after 2 yrs alone that means theres a lot of positive activity
A lot of people involved;money moving hands, people using the product, people promoting it...
But in order for the program to work, people have to use them and implement what is given and associates have to work the formula for recruiting other members and associates
Thats how their growing

And I haven't gotten involved in a network marketing program ever
I've thought about it but never got involved when I should have years ago
I have a few yrs of sales and customer service background as well as prior knowledge of network marketing, MLM, etc and been around business owners and entertainers all my life and have read many books on business successes, life skills, been to many seminars, etc
So I know the game to a certain extent

At 1 time I had a Hefty bag filled with junk mail you would think I was Santa and I faintly remember seeing ads for pre paid legal
ONLY IF I GOT INVOLVED THEN I WOULD HAVE BEEN WELL OFF TODAY LIKE SOME OF THESE PEOPLE
Because one thing is always consistent - The opportunities that were there 15-20 yrs ago and that are still here today only means 2 things = that they work and they stayed true and consistent
But even deeper than that are that the people who get involved can't look at them as get rich quick formulas which most look for
You still have to work hard and smart and get the word out, etc
That's standard with any successful business

If Prepaid, Nuskin, Herbalife, Amway, Excel wasn't
They'd be gone like Enron and Worldcom

3. Pyramid Scam, Multi Level Marketing, Network Marketing, etc
Ok lets analyze that
How many businesses are you surrounded by now?
A. How did they start?
B. How many people do they have working for them?
C. How many shareholders do they have?
D. What do they market?

Now They started just like everyone else - by 1 person at a time
By peddling goods and services 1 person at a time;by getting out in the field and talking to people, placing advertising, etc
So for that theory of the pyramid scheme - is it really a bad thing?
Depends on the company
Because ANY company, or shall I say CORPORATION you see on the street to work every morning
You see a pyramid organization -Am I right?
They all started at the bottom;They worked their way to the top and they taught others to do the same thing - That's how you build a successful network marketing business
Whether you're selling 7 Up at a 7-11 or selling a legal plan out of an office you are both doing the same thing
Their marketed different - but are they really?
You still have a marketing team figuring out how to sell more 7 UP and you're trying to sell the idea to 7-11
So the 7-11 is actually your associate because when they sell a case or a can - THEIR MAKING MONEY

When we work a job, what are we feeding?
We are feeding a pyramid
We are feeding the mouth of someone we will probably never sit down to dinner with unless we get to his/her level with more money than what they pay you

Isn't the strongest building a pyramid?
They've stood all the elements for 5000 years
On a dollar bill you see a pyramid
The pyramid is a technologically advanced object that was built on the same principles of network marketing
They had a chief(boss) that had workers, that built the structure piece by piece, that used leverage, etc

But whatever we do wherever - we are always selling something to each other
And there are those that are rivals that are trying to do the same thing and always trying to tear down the foundation of another competitor
And there are competitors to Pre Paid Legal Services, Inc
HOW DO YOU KNOW IF ANY OF THESE COMPLAINERS ARE WORKING FOR THE COMPETITOR? OR FRIENDS OF THE COMPETITOR?

Wouldn't you agree?

Is there such a thing as a lazy person who wants everything done for them?
Wants everything for free? Wants their assigned law firm to tell them yes every time they have a problem?
Wants to make $2000 a week without putting out the effort?, etc
Is there such a thing as a scammer getting in thru cracks in the foundation trying to tarnish the organization?
MY GUESS IS THAT YOU WOULD PROBABLY SAY YES TO ALL OR MOST OF THOSE

My goal is to become a director myself in around 6 months OR SO
That's with a lot of hard work and with the right people
And sure there are going to be flaky people here and there and skeptics and haters to try to knock the foundation
I'm sure there are people that don't like you
It's inevitable
These same people in 10 years will be doing the same things and they will stay in their comfort zones and make the same money and retire with a fraction

I don't know about you but math is pretty important in every day life and I sure as hell wouldn't like to be looked at as retiring with a fraction of what I made when I retire, barely existing, and I'm sure you wouldn't either

Starting in the early 90's when the big boom of the mlm'rs came forging forward with their guns
Nuskin, herbalife, Amway, and 50 others
Well today those companies are still going strong
My aunt knows the founders of Nuskin and they live in a 17,000 square foot home
I'M SETTING UP MY FIRST PBR WITH HER TODAY
Now thats not too shabby for people who fought for what they believed in, wouldn't you agree?
They sacrificed everything to get that
There, I used a tie down
That's because they worked a successful system

It is the people that work the programs in the companies that make it happen
There was a time when I was involved with mobsters who ran phone rooms bilking people tons of money for crappy products and the states sent most to jail while these other network marketers were going strong building a movement like PPL Exec John Mallot was saying

Their not the mom and pops saying keep working your $15hr job for 20 yrs and retire with $1000 a month while sitting at home twiddlin their thumbs while the gov't gets most of that money STILL
These are people making a steady 5, 10, 20 or more grand a month because they consistently do what their told to make the program work for them
Anyway I'm one that has read more books than I can count mostly on self help, business opportunities, as well as more worthy type subjects through my life
I seen it all
You know the ones in back of Income opportunities magazine, etc ?

That was me
But like 95% of America I was discouraged by others that said NAW, thats a scam; that program doesn't work, you'll never be in their class, etc
Whether it was family or general public

I am an avid researcher in whatever I get involved in
I am very critical at those that I don't believe in
But didn't have the right attitude back then when my life was still young
And I wished I had spent the $100 to get into the Nuskin program back 15 yrs ago or PPL
I would have been making a bushel of money today
Because you deal with the same people that have your qualities so you reinforce your foundation
Not that money is the motivating factor for me
And Trump even said that if you make money as your primary motivating factor - you will lose

And I haven't heard any stories about Nuskin being defaulted because they were scamming people
Amway? Herbalife?
Even people like Donald Trump endorses these types of programs because its using people
its networking with people

YOU HAVE TO BE INVOLVED TO UNDERSTAND WHAT THEY ARE ALL SAYING
It's like when you first got your job did you know what the exec knows?
Did you have lunch with him/her every day?
Did you go to the board meetings?
Most likely not
Because you were in a different class than them
But they stay consistent
That's why they make the big bucks and make the company stable

If you don't like people
If you're not outgoing
ITS NOT FOR YOU
You will fail
You will give up with greed

And you have to consistently work at the programs that you get involved in
You don't go work at Pizza Hut washing dishes for 20 yrs and expect to get somewhere
But most Americans do that same thing every year

What if schools taught kids how to become wealthy, independent, entrepreneurs, managers and presidents of businesses for 6 yrs after learning how to become successful team members with motivation classes ?
Todays world would be a better place wouldn't you agree?

$50 a day for 20 yrs just doesn't cut it in todays world folks
Porn stars are making more than you
If you aren't making at least $50 grand a year or more net
You are now considered Low Income as the middle class level is dissipating as the higher class is swallowing up everything

I know Gerry Spence - famed trial atty from being involved in volunteer work 4 years
He said that corporations and banks are controlling the society
He saw this young girl one time that just got arrested for robbing 2 banks surrounded by men with mp5's and he told the girl - "You know if I were to commit a crime, I would rob a bank?" and the DA was angry and asked him why he said that
And Mr Spence said " They steal from us every day and don't spend a day in jail"
85% of the society is controlled by banks and corporations
TALK ABOUT A PYRAMID SCAM
And most banks in the United States are owned by the orientals he said
THAT'S MR WYOMING

So its your choice - are you going to risk staying at your $40,000 yr job and think that Social Security will take care of you or are you going to be a part of a movement that is promoted in major business magazines and endorsed by over 30 state atty generals with the majority of the directors making 10 grand a month?

Don't let the opportunity pass you by like it did me for years because a few bad apples happened to drop from the tree
Start your future on the right track and take control for once and train others to have that same power

THERES NO OBLIGATION
BUT IF YOU GET INVOLVED YOU'LL BE THAT MUCH MORE AHEAD OF THE GAME

more time with your loved ones
less stress in your life
more legal protection
Not having to pay thousands of dollars for representation
Peace of mind
Being able to call your law firm for a monthly fee without having to worry if they want $1000
Helping others feel the same way while making decent money

98% stability
Tremendous stock growth because lots of activity in the market
Looking at the stock now - its UP
WHO WOULDN'T WANT THAT?

Am I being naive?
No because I already did the research and asked the questions and understood the fine print
Now it's your turn if you want to see change
So all I can offer to people is if you're not feeling satisfied, contact the corporate office and see if they can help you after the chain of command

And if you want to market the program too and make money each time you bring someone into the company then let me know and I'll get you going but you have till Aug 1st to do so at the $49 rate and that day you can start marketing the program, watch the dvd, read the informative website, etc

Don't worry about the bad seeds of the world
Eventually they'll get caught and will be dealt with
But just because someone was beat up doesn't mean you or I should wear the black eye for their misdeeds

And if Stonecipher scams me, then may his soul burn 1000 times

Thank you for your time

Independent associate, PPL
Volunteer for child abuse and neglect orgs

http://www.miracles-of-hope.com helping kids with love
http://www.esterman.com for celebrity appearances
http://www.stoptheviolenceuseyourtalents.com
http://onlinevoices.org fighting domestic abuse
http://www.streetteens.org fighting for homeless teens

GET INVOLVED FOR THE COMMUNITY

I will make the following remark. others here post that Pre-paid legal attorneys are better than others because they have a martindale hubble rating. They will tell you that the attorneys are better than others that can be found in phone books. That a good lawyer will hardly be found in a phone book. Some of the posters in this thread may want you to think many false hoods only to try to get you to buy a product that does not provide you with equal legal access as if you are rich and can afford to have an attorney and pay for it outright.

This is what this company proclaims they are doing. When indeed they are failing thier mission. pre-paid legal wants you to believe that the 10% of poor people are getting free services. The top 10% earners can pay for it all and the middle class are not using attorneys because they can not afford them when indeed it is the middle class who make up for millions of cases out there a year. If the attorneys were not getting paid they would stop being attorneys and get another job uless they pro-bono work and can find income elsewhere. Pre-Paid legal is not making Legal services free or affordable for anyone for over most typical cases that occur to people.

While associates tell you old numbers from surveys and brag about thier attoneys. They also want you to believe that a career in Pre-paid legal services is great. While out of the over 400,000 associates last year only 8300 of them sold over 10 personal memberships last year. That means that less than 2% of the people are making enough money to live on. The other associates have had no luck making money.

As all Pre-Paid Legal Agents as you wrote are Independant associates it is not the fault of Pre-Paid legal that the person did not pay for your services it is theirs. Do not blame PPL for the mistakes of one of their associates

Seriously, read the ENTIRE post and make sure you understand it clearly before you reply, saying everything 2 or three times over in different ways just to help people understand is getting old. Also, this nit-picking is just kinda sad.

Sean,

1. I never said that you couldn't get a good attorney outside PPL, I said "good luck" with getting a high quality attorney at random that specializes in the area of law that you are currently dealing with by flipping through the yellow pages.

2. ****PAY VERY CLOSE ATTENTION!!!****
NOBODY EVER said that ALL of PPL's attorneys were AV rated. I have said many times now that approx. 92% of them are, that's pretty decent odds if you ask me. If you will review earlier posts the AV ratings have been previously discussed in a fair amount of detail, however since people continue to bring this matter up I would like to refer any readers of this post to martindale. this is the official Martindale-Hubbell web site and they explain everything IN CONTEXT. Please visit this site before making ignorant(and look up the definition of ignorant before getting angry) comments. Here is an actual exerpt from http://www.martindale.com/xp/Martindale/Peer_Review_Ratings/ratings_explanation.xml

AV Peer Review Rating An AV rating is a significant accomplishment - a testament to the fact that a lawyer's peers rank him or her at the highest level of professional excellence. A lawyer must be admitted to the bar for 10 years or more to receive an AV rating.

If you want to argue over whether or not ratings for attorneys are important please contact me I would love to have you as a visitor for the law school at which I work so that you can tell all of the attorneys here and future attorneys why they are accomplishing nothing by striving to achieve an AV rating. Sorry sir, but you are wrong. Also, as a side note, the statement that an attorney out of the phonebook is just as good as having one firm in the entire state represent you is an ignorant statement. No, an attorney out of the phonebook is a shot in the dark, and no, you don't have one firm in the entire state representing you. You have one Provider Law Firm, that firm may chose to represent you if they deem it necessary but an area attorney may be found to handle your case, these are called Referral Attorneys. Please review some REAL information about company before you go saying things that are simply not true.

3. As for the 25% discount. I don't even know where to begin. If you want a bigger discount then GO FIND ONE! If you don't want to pay $26 a month or less then DON'T! Also, it would seem that you're making assumptions without knowing and claiming your opinion as fact. My friend did not get a $700 discount off a several thousand dollar bill he recieved a $700 discount off a bill that I believe was $1,300. Just so you know that's not a typo it One-thousand-three-hundred dollars, I don't want anyone assuming I meant 13,000. Now what everyone is not mentioning is that you get AT LEAST a 25% discount under our Preferred Meber Discount. Those words "at least" are very important and should not be forgotten.

4. The statement $200 an hour or $200 a year is true and is completely correct when refering to our first four areas of coverage. Under the 25% discount, no, not exactly right. For matters that fall under the discount I would say something like: you're going to have to hire an attorney, you might as well get one at a discount. Leave it. The discount is there, it may not be a huge discount, its still less than you'd be paying otherwise, and you still get unlimited phone consultation in any event, which could very well prove invaluable.

5. Ok, about what situations warrant the need of an attorney. Well you bring up a good point Sean, you can write letters to companies that you have a grievance with and make phone calls yourself. I got a question for you though, have you ever written those letters or made those phone calls? I have. The simple fact of the matter is that companies DO pay more attention to an individual if they have an attorney speaking on their behalf. Attorneys know the law and will not be so easily fooled into believing things like "there's nothing I can do, it's in the system". Also, the person who had the attorney make the contact has proven to that particular company that they do, indeed, have an attorney and have the capability of following through on their quest to seek full compensation under law.

-Yes, you can go and speak with the judge should you recieve a traffic ticket and possibly get a deferment. Probably not, but feel free. Again an attorney knows the law, and knows how to use it to the benifit of their client. If it were as easy as just going to speak with the judge in order to keep points off your record noone would worry about their insurance rates going up. Also, should the case go all the way to court it is powerful to have someone who's experienced and knows the law there to help you, or the attorney may be able to go to bat for you without you even being there, and if you must be there, generally people who have an attorney present are the first to come before the judge and in traffic court with hundreds of people flowing through any jurisdiction any giving time going first can be a tremendous blessing.

-"So, if you go to court against someone in court and you are have law to back you up as far as past decisions and other law in your favor you will win. " Exactly Sean, that's why I can rest easily tonight knowing there are no innocent people in jail or prison. This statement I believe was made in haste. Just because you're innocent doesn't mean that a judge and jury will see it that way. Have you ever been to a law library, Sean? Best of luck to anyone that is not familiar with using them and hoping to walk in off the street and find the information they need.

Hundreds of thousands of volume in various collections dealing with various laws line the shelves of a law library and these aren't easy reading several of the books that I can see from where I sit typing contain well over 2000 pages and sit in collection of over 600 volumes. Also, this is not a typical library, you only get so much help from the staff, as they cannot offer legal consel of any kind, all they can do is point you in a general direction if you know what section of law you're looking for. Another point that you must consider when thinking of defending yourself is that you automatically forfit your right to appeal.

6. Getting sued for damages in a fender bender where you're at fault means that you will probably be paying for those damages, I would still check with my attorney to find out exactly what my legal rights are(of course I don't do anything without legal counsel), but I would probably just end up forking the money over unless there were some special cicumstance. The problem however, lies in the fact that you might get sued for something else. Whiplash, for example, is completely undetectable, and completely fakable even at 5 miles an hour someone could say the jarring force caused them a to sustain a neck injury in which case you will probably find yourself facing a lawsuit. This is where the membership comes in handy.

7. Now, I know that this is a non-point, but the comments about DVD players in a thread about PPL to me merit a comment. DVD players are of course the mainstream now, yes there are other video players, but DVD players are more common by far. So, Sean you say that PPL is not the exciting trend that so many claim it to be. OK, great don't invest your money into it, eventhough the big players all across America are. One quick point though, before you go assuming that just because we don't boast 100,000,000 memberships we're not at the beginning of a trend.

DVD player first hit the market in 1976 the went mainstream with approximately 52% market penitration in the late nineties. The point is Sean that while you may not see PPL as the next sweeping trend that may just mean you're not looking far enough into the future. The company is 35 years old now and according to history, not me, not PPL, but history, that's typical for an emerging industry to still be at or below 2%-3% market penitration after that amount of time.

Look, it really is easy, some people will see a value in these services and utilize them, some people won't and that's perfectly fine. But, if you feel the need to rant about my company and demonize us because you don't believe that we offer enough kindly go find another legal service that does what you want(you won't), at a quality level for a low price(non-existent).

On the other hand, I am sick and tired of being villainized by people who don't know what they're talking about. EVERYTHING THE COMPANY SAYS IT DOES IT DOES, EVERYTHING THE COMPANY OFFERS IS WRITTEN IN BLACK AND WHITE. The only factor is the associate.

Too many associates talk when they don't know what they're talking about, that's why the leadership in the business tells us to give out tools to insure that everything being conveyed to the person is accurate. On that same note, too many nay-sayers talk when they don't know what they're talking about.

GO DO THE RESEARCH PEOPLE! The information is there. We're a publicly held company and that means everything the company says must be documented and 100% true. We also have to turn over reports and are regulated by the S.E.C. Before you go talking about what we do or don't do find documentation to prove that the S.E.C. or some other government body has found us to be at fault for any type of fraud, then I'll be glad to listen to your rants. Till then if you can't find something productive to add, and you can't make a genuinely viable point, and you nit-pick, and nay-say, or have something to say that's already been said in this report, or just want to be a general nuisance please hold your tongue, nobody cares.

See you at the top!
Jeremy

Steve, your statement of calling myself an idiot shows that you have no professionalism at all. Your making an assumption that I have no will based on the fact that I do not have a pre-paid legal plan. Which is wrong.

I have seen some and read some of these testimonials. But did they all warrant the need of an attorney to solve their issue. No. Just because you have the access to have an attorney to write a letter in which you could have written yourself for free means nothing. An Attorney is not going to change the outcome in a court of law when you are in the right of the law.

So, if you go to court against someone in court and you are have law to back you up as far as past decisions and other law in your favor you will win. All an Attorney does is does the admin of your case along with speaks for you since many people have a hard time with explaining themselves.

If my teenager gets a speeding ticket for going 40Mph in a 25Mph then you can fight it. You do not need an attorney to show up for you. That is a luxury not a necessity. As I stated before if the officer calibrated their radar and she was speeding she will get the ticket. If the officer did his or her job. She will have to accept the ticket. Yourself can tell the judge the same thing an attorney would. Are you unable to do that?

When you lose your job benefits if you are not in a union job where your benefits are by contract or if you did not have a written agreement then you are at the mercy of the company. Plus you make false claim that this would be covered 100% by the legal plan. Actually labor relations is not covered 100% by the plan.

If one were to get sued in for damages in a fender bender. First there is the question under the exemptions did you commit a crime. For instance if you have a ticket to in which you are fault there is no way you can defend paying for their insurance claims or medical bills not covered by insurance. You can only be sued for amounts where insurance will not pay. So having auto insurance is important. But having an attorney represent you may not change the judges rule if in fact you were at fault in the accident.


There not all DVD players there are still reel to reel, VHS, and other forms of media. You statement here is false again. Pre-paid legal is not a trend that is catchy at all. If it were then millions more than only 1% of the population would have purchased it. While you don't again put out your full name and using foul language at the end of your post goes to show your lack of professionalism.

Again I have to show the truth to the readers.

wow ,,,, Jeremy from Kentucky is exactly right. And this guy Sean is an idiot from Michigan.

#1 Sean ,,, you dont have your comprehensive Will, your durable power of attorney, or your living Will ,,,, and you never will. You will die without them and leave your family in heart ache. You dont even understand that if you were in a car accident tomorrow and were in a comma for 13 years ... that your family would be devastated financially, and could do nothing about it. Thats right,,, nothing. How quickly you forget Terry Shivo and what her family went through. Well there are Terrys all over the country that have the same thing happen to them and leave their families with the devastation all the time. It happens every day. Your wife or your children could do the same thing. They could be hurt in an accident and be in a coma for years,,, and YOU would be financially ruined.

There are plenty of reasons why everyone needs to get their Will taken care of and updated every year, but I wont go into them since you wouldnt listen anyway. And if you did listen, you would still go back into your little shell of hate that you call your life,,, and not really understand.

Pre-Paid Legal does plenty of good, and saves people heart ache and trouble all the time. Lives have been changed. Pro active things are being done. Testimonials of how the membership helped people in situations when nothing else would.

So go ahead and ask your cousin Jim Bob and your friend down the street, Bud, for advice on everything that you think you might need help with. I know you dont have anything important going on in your life anyway, so it wont really matter anyway. But others of us that have a pro active life...we dont have to rely on our broke brother Bill in Georgia to give us answers to the important questions that come up in our lives.

So go ahead ,,, watch your teenagers get speeding tickets and in trouble, ,, watch your insurance rates go through the roof for the next 4 years, and tell yourself that a lawyer defending them in a traffic court wouldnt have helped. Go ahead, lose your benefits at work because Congress said that companies could rip you off now,,, and tell yourself that attorneys, on retainer ,,, wouldnt have helped you out. Go ahead, possibly get into a fender bender and get sued,,, spend your money on a lawyer that has no agenda but to get more and more money out of you to defend yourself (because remember, anyone can sue you for ANYTHING, and if you dont defend yourself in court,,,, you automatically lose). Go ahead,,, get audited by the IRS,,, and go to the audit without representation...see how that works out for you.

Everything that I have talked about is 100% completely covered by the $26 membership fee. Not a dime more.

So go ahead,,, keep on doing things your way. After all,, you didnt think that cell phones would ever make it big,, now everyone has one. You ridiculed DVD players when they came out... now thats all there is. You poo pooed computers and the internet, and said that they werent necessary. You opposed iPods and mp3 players ,,,, heck you might even have an 8-track tape player in your truck,,,huh ?

You sure are an "Early adaptor", not. Thats what people are called when they see a trend before it is a trend,,, before it explodes ,,, and while it is still being ridiculed and apposed.

You are exactly the type of person that lets me know that there is an even bigger opportunity in this business than even I thought there was.
Because people like you dont get the incredible value of this membership and wont take care of their responsibilities, like making out their Will,,, I know that I am on the front edge of a booming company,,,, the place all the money is made. So please,,,go do your f-ing Will,,, sucker.

Sincerely,

wow ,,,, Jeremy from Kentucky is exactly right. And this guy Sean is an idiot from Michigan.

#1 Sean ,,, you dont have your comprehensive Will, your durable power of attorney, or your living Will ,,,, and you never will. You will die without them and leave your family in heart ache. You dont even understand that if you were in a car accident tomorrow and were in a comma for 13 years ... that your family would be devastated financially, and could do nothing about it. Thats right,,, nothing. How quickly you forget Terry Shivo and what her family went through. Well there are Terrys all over the country that have the same thing happen to them and leave their families with the devastation all the time. It happens every day. Your wife or your children could do the same thing. They could be hurt in an accident and be in a coma for years,,, and YOU would be financially ruined.

There are plenty of reasons why everyone needs to get their Will taken care of and updated every year, but I wont go into them since you wouldnt listen anyway. And if you did listen, you would still go back into your little shell of hate that you call your life,,, and not really understand.

Pre-Paid Legal does plenty of good, and saves people heart ache and trouble all the time. Lives have been changed. Pro active things are being done. Testimonials of how the membership helped people in situations when nothing else would.

So go ahead and ask your cousin Jim Bob and your friend down the street, Bud, for advice on everything that you think you might need help with. I know you dont have anything important going on in your life anyway, so it wont really matter anyway. But others of us that have a pro active life...we dont have to rely on our broke brother Bill in Georgia to give us answers to the important questions that come up in our lives.

So go ahead ,,, watch your teenagers get speeding tickets and in trouble, ,, watch your insurance rates go through the roof for the next 4 years, and tell yourself that a lawyer defending them in a traffic court wouldnt have helped. Go ahead, lose your benefits at work because Congress said that companies could rip you off now,,, and tell yourself that attorneys, on retainer ,,, wouldnt have helped you out. Go ahead, possibly get into a fender bender and get sued,,, spend your money on a lawyer that has no agenda but to get more and more money out of you to defend yourself (because remember, anyone can sue you for ANYTHING, and if you dont defend yourself in court,,,, you automatically lose). Go ahead,,, get audited by the IRS,,, and go to the audit without representation...see how that works out for you.

Everything that I have talked about is 100% completely covered by the $26 membership fee. Not a dime more.

So go ahead,,, keep on doing things your way. After all,, you didnt think that cell phones would ever make it big,, now everyone has one. You ridiculed DVD players when they came out... now thats all there is. You poo pooed computers and the internet, and said that they werent necessary. You opposed iPods and mp3 players ,,,, heck you might even have an 8-track tape player in your truck,,,huh ?

You sure are an "Early adaptor", not. Thats what people are called when they see a trend before it is a trend,,, before it explodes ,,, and while it is still being ridiculed and apposed.

You are exactly the type of person that lets me know that there is an even bigger opportunity in this business than even I thought there was.
Because people like you dont get the incredible value of this membership and wont take care of their responsibilities, like making out their Will,,, I know that I am on the front edge of a booming company,,,, the place all the money is made. So please,,,go do your f-ing Will,,, sucker.

Sincerely,

wow ,,,, Jeremy from Kentucky is exactly right. And this guy Sean is an idiot from Michigan.

#1 Sean ,,, you dont have your comprehensive Will, your durable power of attorney, or your living Will ,,,, and you never will. You will die without them and leave your family in heart ache. You dont even understand that if you were in a car accident tomorrow and were in a comma for 13 years ... that your family would be devastated financially, and could do nothing about it. Thats right,,, nothing. How quickly you forget Terry Shivo and what her family went through. Well there are Terrys all over the country that have the same thing happen to them and leave their families with the devastation all the time. It happens every day. Your wife or your children could do the same thing. They could be hurt in an accident and be in a coma for years,,, and YOU would be financially ruined.

There are plenty of reasons why everyone needs to get their Will taken care of and updated every year, but I wont go into them since you wouldnt listen anyway. And if you did listen, you would still go back into your little shell of hate that you call your life,,, and not really understand.

Pre-Paid Legal does plenty of good, and saves people heart ache and trouble all the time. Lives have been changed. Pro active things are being done. Testimonials of how the membership helped people in situations when nothing else would.

So go ahead and ask your cousin Jim Bob and your friend down the street, Bud, for advice on everything that you think you might need help with. I know you dont have anything important going on in your life anyway, so it wont really matter anyway. But others of us that have a pro active life...we dont have to rely on our broke brother Bill in Georgia to give us answers to the important questions that come up in our lives.

So go ahead ,,, watch your teenagers get speeding tickets and in trouble, ,, watch your insurance rates go through the roof for the next 4 years, and tell yourself that a lawyer defending them in a traffic court wouldnt have helped. Go ahead, lose your benefits at work because Congress said that companies could rip you off now,,, and tell yourself that attorneys, on retainer ,,, wouldnt have helped you out. Go ahead, possibly get into a fender bender and get sued,,, spend your money on a lawyer that has no agenda but to get more and more money out of you to defend yourself (because remember, anyone can sue you for ANYTHING, and if you dont defend yourself in court,,,, you automatically lose). Go ahead,,, get audited by the IRS,,, and go to the audit without representation...see how that works out for you.

Everything that I have talked about is 100% completely covered by the $26 membership fee. Not a dime more.

So go ahead,,, keep on doing things your way. After all,, you didnt think that cell phones would ever make it big,, now everyone has one. You ridiculed DVD players when they came out... now thats all there is. You poo pooed computers and the internet, and said that they werent necessary. You opposed iPods and mp3 players ,,,, heck you might even have an 8-track tape player in your truck,,,huh ?

You sure are an "Early adaptor", not. Thats what people are called when they see a trend before it is a trend,,, before it explodes ,,, and while it is still being ridiculed and apposed.

You are exactly the type of person that lets me know that there is an even bigger opportunity in this business than even I thought there was.
Because people like you dont get the incredible value of this membership and wont take care of their responsibilities, like making out their Will,,, I know that I am on the front edge of a booming company,,,, the place all the money is made. So please,,,go do your f-ing Will,,, sucker.

Sincerely,

wow ,,,, Jeremy from Kentucky is exactly right. And this guy Sean is an idiot from Michigan.

#1 Sean ,,, you dont have your comprehensive Will, your durable power of attorney, or your living Will ,,,, and you never will. You will die without them and leave your family in heart ache. You dont even understand that if you were in a car accident tomorrow and were in a comma for 13 years ... that your family would be devastated financially, and could do nothing about it. Thats right,,, nothing. How quickly you forget Terry Shivo and what her family went through. Well there are Terrys all over the country that have the same thing happen to them and leave their families with the devastation all the time. It happens every day. Your wife or your children could do the same thing. They could be hurt in an accident and be in a coma for years,,, and YOU would be financially ruined.

There are plenty of reasons why everyone needs to get their Will taken care of and updated every year, but I wont go into them since you wouldnt listen anyway. And if you did listen, you would still go back into your little shell of hate that you call your life,,, and not really understand.

Pre-Paid Legal does plenty of good, and saves people heart ache and trouble all the time. Lives have been changed. Pro active things are being done. Testimonials of how the membership helped people in situations when nothing else would.

So go ahead and ask your cousin Jim Bob and your friend down the street, Bud, for advice on everything that you think you might need help with. I know you dont have anything important going on in your life anyway, so it wont really matter anyway. But others of us that have a pro active life...we dont have to rely on our broke brother Bill in Georgia to give us answers to the important questions that come up in our lives.

So go ahead ,,, watch your teenagers get speeding tickets and in trouble, ,, watch your insurance rates go through the roof for the next 4 years, and tell yourself that a lawyer defending them in a traffic court wouldnt have helped. Go ahead, lose your benefits at work because Congress said that companies could rip you off now,,, and tell yourself that attorneys, on retainer ,,, wouldnt have helped you out. Go ahead, possibly get into a fender bender and get sued,,, spend your money on a lawyer that has no agenda but to get more and more money out of you to defend yourself (because remember, anyone can sue you for ANYTHING, and if you dont defend yourself in court,,,, you automatically lose). Go ahead,,, get audited by the IRS,,, and go to the audit without representation...see how that works out for you.

Everything that I have talked about is 100% completely covered by the $26 membership fee. Not a dime more.

So go ahead,,, keep on doing things your way. After all,, you didnt think that cell phones would ever make it big,, now everyone has one. You ridiculed DVD players when they came out... now thats all there is. You poo pooed computers and the internet, and said that they werent necessary. You opposed iPods and mp3 players ,,,, heck you might even have an 8-track tape player in your truck,,,huh ?

You sure are an "Early adaptor", not. Thats what people are called when they see a trend before it is a trend,,, before it explodes ,,, and while it is still being ridiculed and apposed.

You are exactly the type of person that lets me know that there is an even bigger opportunity in this business than even I thought there was.
Because people like you dont get the incredible value of this membership and wont take care of their responsibilities, like making out their Will,,, I know that I am on the front edge of a booming company,,,, the place all the money is made. So please,,,go do your f-ing Will,,, sucker.

Sincerely,

I am not sure why Martindale Hubbard ratings are coming up in this at all. Pre-paid legal does not guarantee you an Martindale Hubbard rated attorney at all. Secondly The AV attorneys are not The Best all this means is that they have a peer rating. If you would look at the number of attorneys licensed verse the number of Martindale Hubbard rated attorneys then you would see that there is a small percentage. Some pre-paid associates such as you see in the last post are making an argument that the Pre-paid attorneys are better than non-rated attorneys. If you go to to their website and search in all of Michigan there are only 8,053 out of all the attorneys working in Michigan that are rated. Here is some information copied off the website.

How does a lawyer obtain a Peer Review Rating?
Most rating reviews are initiated by Martindale-Hubbell after a lawyer is admitted to the Bar for five years or more. A lawyer, partner, marketing director or colleague can also request a Peer Review Rating review. Inquiries about initiating the Peer Review Ratings process may be addressed to ratings@martindale.com.

How does a lawyer obtain an AV Peer Review Rating?
Knowledge and skill derived from extensive experience are usually prerequisites for an AV Peer Review Rating. The standard of excellence is determined by the lawyers practicing in that particular Bar. Much like the partner track of a law firm, a lawyer cannot receive this rating unless he or she has been admitted to the bar at least 10 years.

What does it mean if a lawyer is not rated?
Some lawyers request not to have any rating published, while others may not be rated due to the length of time in practice, the size of the Bar, or other reasons unrelated to their competence or ethical standards. Lawyers also undergo periodic rating reviews during their career; lawyers who have reached the "retired" status will no longer be included in the review process and their Peer Review Rating will be removed. Therefore, the absence of a rating should not be construed as unfavorable.

My point made here is that an attorney out of the phone book is just as good as having 1 firm in the entire state represent you. I also state that since there is only one firm that for instance in Michigan that Pre-Paid legal uses. Then by stating what you did before if I go get another attorney that is not pre-paid legal then they will be less of an attorney. That is very many attorneys. Actually anyone that does not work for Pre-Paid legal to include the State of Michigan Attorney General.


Dealing with a 25% Discount and is the discount really worth my $26 a month. Since I still have to pay a retainer to the attorney which might be at least $1,000 I ask you this. Can you afford $1,000 now or would you have to go get a loan from somewhere or have someone else help you, get assistance? If this is the case then no Pre-Paid legal has not made the legal system any more affordable at all? All you have done is provided my with paying maybe $175 an hour for services instead of $200.00. If you have 10 hours of work done that is 2,000 minus your retainer. So, is it still affordable at this rate or not? What is an affordable hourly rate for an attorney for you to pay?
After review of the last persons post. There is no $200 an hour or $200.00 a year that would mean that the divorce his friend had would be free but it was only $700 less off a bill of several thousand dollars. Can you afford a several thousand bill? Is it really affordable just taking off $700? The author of the last post states that then he would take the discount. So his statement of $200 an hour or $200 a year is not true.

I hope this helps show you the truth to the issue.

Okay... For several weeks now I've not even looked at this thread because I was tired of typing the same things over, and over, and over again. Now that there are so many new posts I'm glad to see not much has changed. These are the same old posts stated differently. "Why should you have this service?", "why doesn't the company cover_______", "Its not a good opportunity because_______", "I quit because I didn't make any money", "the lawyers didn't tell me what I wanted to hear when I had the service", "*Someone who said *something doesn't know what they're talking about", "All these associates are just good sales people", "membership production is down", "it doesn't matter if the lawyers are AV rated because you're not guarenteed an AV rated attorney", "blah, blah, blah....".

Seriously, not to be mean but the majority of the people on this site are just screaming into the wind. The company covers what the company covers, your complaining will not change it and will not close us down. The opportunity works IF YOU WORK! You didn't make any money because you did NOTHING! I don't care if you have 10 kids, no car, and don't know anybody, you're just making EXCUSES, if you're too lazy to do something just say it. If your children were about to starve or be taken away if you didn't do something you'd work, you would find a way. Maybe some of you that keep posting sob stories aren't desperate ENOUGH yet. Quit taking anything said in this post personally. It doesn't matter who said what or if they were right or wrong. Stop listening just to what the associates say, call the company, look it up do something for yourself. "Membership production is down" "all the money's arlready been made"... Go ASK SOMEBODY! Go find 10 random people walking in a mall somewhere and ask them if they know what PPL is. If all 10 say yes then fine say what you like, but membership production being down says nothing about the company. Think any other companies ever had a slump or reccess in their production? Hmmm... Yes, I believe EVERY COMPANY has had that happen.

The AV rating is the worst part of the argument against the company. No, I'll freely tell you **NO** all of our attorneys are **not** AV rated 92% are. Go ahead though flip through the phonebook and find your own attorney if that 8% margin scares you that much. Oh, by the way best of luck to you in finding an AV rated lawyer specialized in the area you need assistance in. Looked at the attorney section of the yellow pages lately? You're going to need all the luck you can get.

Plain and simple, we cover everyday problems and SOME things that are more rare. If you can't deal with what we cover I'm sorry, I hope it doesn't ruin the rest of your day. If you can't deal with getting a 25% dicount, I'm terribly sorry, go and pay some random attorney out of the phone book full price, and have a nice day. Maybe you're like a client of mine who told me a friend was taking care of his divorce... Until he called O'Koon and Hintermeister and they said that it would cost $700 dollars less than what his "good friend" was going to charge him. Bottom line here, its your choice, $200 an hour or $200 dollars a year. If you'd prefer $200 an hour be my guest and go pay it, for me I'll take the discount.

As Always if you would like to ask me a real question of some substance, or would like to know something about the company (if I don't know the answer I'll find it for you) feel free to contact me- jeremyd_33@prepaidlegal.com

Best always! I'll see you at the TOP!
Jeremy

I am a member of PrePaid Legal Services, Inc. as well as an Independent Associate.

I have personally utilized the services with great results. I have learned that in order to utilize the services to the fullest, to keep all my questions in the "advice" mode to receive the most information possible to assist me in my area of concern.

I also have noted that if I do not agree with the advice I'm receiving from the "expert in the area of concern" that I am entitled to request an additional opinion (at least up to three times-meaning three attorney opinions).

I have personally experienced (through relatives who are members) both good and not-so-good experiences. The not-so-good experience was a situation where the answer was not what she wanted to hear, but went ahead and followed the advice anyway. mostly because she was tired and didn't want to question the advice, or ask for another attorney which when I queried further, found that another attorney might have given her different, and therefore, more helpful advice. Not all attorneys are created equal and even though PrePaid Legal Services, Inc. has attempted to obtain only the best qualified for this services, there are a few that need complaints filed against them with the firm they represent to have them fired from that firm.

As to the Independent Associates: as in business dealings anywhere, you have people who misrepresent a business. I was fortunate. No one told me it would be 'easy' money. It is a business you have to build and that means you have to do something to make it happen. There is no quick fix! easy money! As for my income, it is directly related to my output of time and energy. I have known of Independent Associates who did not spend an "arm and a leg" to promote the services, who only purchased 'one' video tape or 'one' DVD and only loaned it to prospective members or associates and have become millionares with the company.

I also know that I earn through my sales of memberships 'free' tools, that I have to contact the office in Ada, OK, to tell them what I want them to send me. what I need to promote the business.

I also know that commissions can be earned immediately or be spread out over the three year compensation plan. it just makes a difference as to what you signed up for when you became an Independent Associate. (Did you check this box. or that box?).

I know that there are people out there who do whatever they can to sell as much as they can without much regard for what it is that you want or need and misrepresent the company's compensation plan, benefits, and even their services.

I happened to have been one of the fortunate who read everything before I signed and knew what I was getting into before I got started. Maybe that is why I am very happy with the plan's services and their Independent Associate compensation.

No, I'm not a millionnaire, but eventually I will get there! I am taking my time, not spending a fortune trying to make it overnight. Also, I do not sign up a customer or an associate unless I can provide them with myself as a mentor, or provide them with someone close to them (if they are in another city or state) who can assist them in becoming successful. Maybe I'm different, maybe I'm part of a few.. or maybe there are a lot of us out there trying to do our best to help people achieve what they want and unfortunately, you, whoever ALL of you are. were unfortunate for either expecting a 'quick fix'. 'easy money'. or ran across a 'bad' Independent Associate of PrePaid Legal Services, Inc.

And for the person who provided telemarketing services. Take the Independent Associate to court! Small Claims Court. As a member of PPL, I would get advice from the attorney firm and fax back and forth the documents for their review (all for the same monthly membership fee) and then go to court!

I've read several replies to the initial post.

The answer is, the individual associate (or perhaps, former associate) is at fault for non-payment of telemarketing services used. I hope that you seek payment from this individual in small claims court.

I have to laugh when I see present and past associates state that "PPL has a _____ product". They DO NOT have ANY products.....unless one considers their brochures, SFH magazines, IDT pdfs, etc. as products. PPL offers 2 services: a legal plan and an identity theft plan. Period. But they aren't the "ONLY kids on the block" nor are they necessarily the best. In fact the idt plan ONLY monitors the Experian credit report. There are others that monitor Experian, Equifax & Transunion credit reports! Some even have restoration reimbursement....which PPL/Kroll INITIALLY offered but rescinded....but the cost remained the same. :-[

Their services are a great idea, but the opportunity is LONG GONE. As we were always told in the briefings: The "T" in timing is always more important than the "T" in talent"! And that timing, once again, is gone for making 6-figures and beyond for anyone just coming on-board looking for an opportunity.

It is an untruth to tell the associates or their guests that "only 2% of the market even knows about prepaid legal services". Just the opposite of what they tout, you can walk down a crowded street and ask 100 people if they've even heard of prepaid legal (with or w/o the hyphen) and ONLY 2 will tell you "no".....if that many!!

But in regards to the services, I'm glad that I don't live in LA... I've been told that "minorities" do NOT get fair and equal treatment for the law firm MISrepresenting the members in that state. They show up late (if at all) for court, give poor representation and are late at returning phone call (if they return them at all). And no....complaining has not improved this. The DUMB part is, the members are ALL paying the same monthly fee and money is money, no matter what race that member is. And if those NOT properly service drops their membership, that less monies for the law firm. Penny-wise, dollar-foolish.

I read the information on http://www.ppltruth.com and I found it to be absolutely true. Corporate will promote "it's YOUR business" out of one side of its mouth, but in the realm of group school, they'll espouse just the opposite: "....the memberships belong to PPL!" Call your corp. office to verify this to be the truth!

Their corporate office does NOT care about the average associate. Truth be told, they don't care too much about some of their top associates, but I'll save that for another, later rebuttal.

After reading many of the comments both pro and con regarding this topic my initial thought is that I hope someone doesn't have to be both ignorant and spelling challenged to post a submission.

Be that as it may I have had about 15 years experience as a consumer of this product (service) and about 5 years working as an Independent Associate with the company.

As a consumer I could not be more pleased with a service that allows me to contact an attorney whenever I have a question about what my rights are in a particular situation. Not only can I contact one but I can request one who specializes in the specific problem area I am dealing with, i.e., contract law, personal injury, labor law, etc.

Some of the most popular areas of concern are not covered like DUI, custody, etc., however a customer with the most basic plan ($15/mo)can speak with a divorce attorney or a criminal attorney initially AT NO COST for as long as needed to find out what to do next.

Do any of you morons writing in to complain about the degree of service provided have any idea what it costs to speak with these specialists for a half hour, an hour or longer on the phone? How about sending a 5 or 10 page contract, e.g., a lease, a bill of sale or a partnership agreement that will be analyzed and an attorney call-back to provide expert advice.

The attorneys will also write letters on your behalf if you are involved in a dispute. Most attorneys charge $250 to write a one page letter...that's the cost for 1 YEAR of a Pre-Paid Legal membership.

I was an Independent Associate for about 5 years and made a significant amount of money in group sales because I worked hard and followed most of Pre-Paid's directions. I sold mostly small and large group policies and did not recruit associates so I did not have downlines to make money for me. I gave up the business about 10 years ago due to health reasons and since I had no downline the income stopped.

It's possible that some of the complaints about not being able to make a living may be due to market saturation by associates but with only 1.5 million members in a population of 300 million there just might be more room for associates who want to work hard and follow tried and true marketing techniques to be as successful as they want to be. So shut up and go make money.

One more thing, for chrissake use spellcheck before you hit the send key.

I read the posts from posters such as Lidija from Wisconsin and Christopher from New York. Both will tell you how they are doing good in this buisness. Yet they never post a last name at all. The companies public filings to the SEC has made some comments. Such as most associates are working part time. There are only 8,000 out of nearly 500,000 associates who have made 10 personal sales in 2006. From this data I can not figure out why anyone would want to try this buisness out when you could have a regular job. I am not knowing anyone who has to use vacation to go to school events for their children. My boss does not make any money off me. They have a salary. Actually every corporate company people have salaries. Unlike a MLM where your mostly concerned about recruiting because your getting a percentage of what the other person gets and if you do not recruit anyone then you will not make as much money. There is an emphasis on recruitment. I do not see how having an attorney is going to stop a mechanic from taking advantage of you at all. As if your attorney is a mechanic and can tell you what repairs you actually need for your car. If you have a dispute about a bill that is for smaller amounts there is small claims court. Attorneys are not allowed in small claims court at all. So it would be up to you to represent yourself. If it is a business that has management that will listen it is possible to settle out of court. But if they are not working with you and you get a letter written as I am assuming you did since it would be in small claims then all they did was respond to the threat of going to court. You could had done that for free yourself. Your letter was actually had to be written in your name and signed by you since the attorney was not representing you in this case. If they did send over letter head to me I would had thrown it out since it is not applicable in small claims. In summary I challenge these two posters to post their real full names and let us know how many memberships they have sold.

I just spend hours reading all these comments and at first I wasn't going to say anything, but after about one hour of reading I felt the need.

Even though I am new to this, I have seen what it does for people. I have seen what it did for me.
I watched my brother-in-law do this for about 2 years, and I did think he was crazy and wasting his time.

The way I see it. It is what you make it to be. We all know what we get into, if we just smart enough to read the fine print. And it might not beneficial to everyone, and that is why we don't oversell. Take it or leave it.

I myself was in a situation where someone thought he could rip me out of a couple of $, and I probably would just let it go, cause I don't have the time or the money to deal with courts and lawyers. Fortunatly for me I paid my monthly fee and got my money back, with help from a pretty well know firm around here.
Something I probably would have never accomplished on my own.

And I saw people say that they want to meet or see the people who are succsessfull in this company.

In the little time I have been involved, I have meet plenty.

For me, and this is my personal opinion, if this does nothing, besides get me to meet some positive, succsessfull people, it is worth it. If all it does is to stop some mechanic or whoever take advantage of me, it is worth it.

I don't know if I will make money, I sure hope I will, I have so far. But I do know it worked for my friends, who went from struggeling to being comfterble.

I know that the top people make their money with seminars and books, and myself. But your Boss also makes his/her money off of you and whatever resources.
And if all I do is sell on membership a month, it pays for my membership, so how do I go wrong?

I got tired of reading all this negative stuff, all that tells me is that you are setteling and not wanting to do something to better yourself. Everyone gets into this business for different reasons.

My reason is, so I can be home more, be with the kids, having the freedom of going to schoolevents and not worring if I have enought vacationtime left to do it.

Like I said, we all have good things to say and bad things to say.
But if you have never really looked into it on the business side. If you have never been to a meeting or a training. If you have never talked to someone who was succsessfull in this business, you just don't know.

I, myself always wanted to have my own business, with all the freedom that my bosses alway had, but could never afford it. This gave me the opportunity to do it.

I refuse to work all my young life just so I can maybe retire on a good pension, and then get sick cause I overworked myself.
I much rather, enjoy the freedom of seeing my children grow up while making money, being a mom who is not working all day long and gets stressed, then most of the people I know, just because they where too scared and listend to too much negativity. Scared of investing very little money to do what we all want in this country...BE OUR OWN BOSS.

So, to all the people who are negative...I feel for you,
and to all my associates, keep it up, it works as long as we make it work.

My personal business expenses do not exceed 2 memberships a month.

I would like to verify your claim that you sell two memberships a month with PPD can you give us your full name. Maybe what your saying is that you do not sell 2 memberships a month but your expenses are average to 2 memberships a month.

People who commit crimes are given the same rights to a defense just as the the victim. This is so that they can have fair legal service. But let me ask you this. Why should a speeding ticket be covered. Isn't that a criminal act? Your company is supporting going to defense for a criminal act of speeding.

Why do you make note that most of the firms are AV rated? It is not garunteed by PPD that you will have counsel that is an personally rated AV attorney. An AV rated firm is different than an AV rated attorney. It only takes 1 attorney of the firm to be AV rated to have an AV rated firm. To assume that only people with six figure incomes can afford to pay the hourly wage for an attorney or one that has a martindale hubble rating is your opinion and not factual. Your stating that AV rated attorneys charge more as if they are better than others who are not rated by martindale Hubbard. while Martindale Hubbard does not rate many attorneys at all due especially new attorneys.It is also not based on what consumers said it is based on a peer to peer rating system.


Once again I would like to know your full name as a rebuttal here. So that I can confirm who you say you are and you sell 24 memberships a year at least. Because last year only 8,000 associates only sold more than 10 memberships a year.

I was an independent associate with pre-paid legal for over a year from the age of 18 to 19. When I started the business I had the wrong impression of the opportunity. In my naivety I thought that the company could take me from rags to riches in no time flat. at the time i had no job to speak of but with prepaid legal I was making more than most of my friends my age were at their minimum wage jobs. I eventually buckled under the pressure of my friends and family who told me that i needed to stop dreaming and get a REAL JOB! It was the biggest mistake of my life.

I eventually left my full time job as a retail makeup artist and used my connections to work as a part time freelance makeup artist so i could work my business again. I got in touch with my old sponsor from prepaid legal and signed up to sell the services again.I will soon be 22 years old and am very happy with my decision.

A WORD OF ADVICE TO ALL ACTIVE PPL ASSOCIATES. one thing that you will find that has hurt many PPL associates and led to many falling out of the business is that when a customer prematurely cancels their membership chargebacks occur (example: When you sell a plan you get 12 months of commission paid to you upfront. If the commission is $10 for one month, then you get $120 dollars as an advance.

Following me so far? If a customer cancels after 6 months the company will charge you back $60, UNDERSTAND)This is something that goes on in the insurance business everyday. If you want to remedy this your sponsor may tell you that you need to sponsor more people to cover your cancellations.

My advice? Get a new sponsor. Just joking! What you should do is request that your commissions be paid out AS EARNED. This means that the company will pay you your smaller monthly commission every month instead of one big advance. What happens if a customer cancels? Well, you just lose the ten dollars or so per month that that membership would have paid out. but, no chargebacks.

Instead of getting rich quick, get rich slow! If you really like your advanced commissions take them on what the company calls a three year earnings plan. This will allow you to get advanced commissions but if a customer cancels you will only be charged back 50%. Not as bad as a 100% chargeback.ex: so if the customer cancels after 6 months you will only owe the company $30 instead of $60

For those of you who have complained about "hidden expenses", I experienced those first hand. What we must all understand is that almost all traditional businesses dont even see a profit until their fifth year because their business expenses are much higher than their earnings. What you must do is put your business on a strict budget ONLY SPEND WHAT YOU ARE CONFIDENT YOU CAN MAKE BACK!

My personal business expenses do not exceed 2 memberships worth of commissions because I know that even on a bad month I can still break even. Guess what, no loss. And because my business is home based almost everything you can think of is a tax write off so not only will I break even on a bad month I will actually get a return for that month in taxes!

A homebased business with prepaid legal gives you the opportunity to take advantage of the things only rich people get. Unlimited access to an attorney, huge tax savings if you know what to deduct, and much more.

As for the membership everyone who has complained about what the membership doesnt cover sounds as if they are speaking from the perspective of the offending party. No the plan does not cover dui, dwi, or drug related charges under its direct coverage but think of it this way.

If someone was out drinking all night and had the nerve to step behind the wheel of a car and ends up hitting your child on the way to school, do you think that that person, knowingly commiting a crime should be covered for just 24 dollars a month! I think not. The coverage is not designed to make wreckless people feel confident that they can get away with willful criminal acts. It is meant to protect VICTIMS of willful criminal acts.

But, understanding that everyone has the right to quality legal representation, if that drunk was a prepaid legal member he would be represented under the 25% discount. I think that is fair, don't you.

Another thing is that almost all of the provider lawfirms that prepaid legal has in its network are AV rated firms. AV is the highest rating That a firm can get and only 1 percent of all lawfirms in the country are AV rated.

We are talking JOHNNY COCHRAN HERE. Not Joe Schmo the real estate/ divorce/ family/ corporate lawyer who also does plumbing on the side. These are firms that only people over the six figure mark could afford to pay for. Regular legal advice, document review, will preperation, and not to mention that you could have an AV rated firm show up in court to fight your moving traffic violation for just $25 without your presence being required.

Lets not even get started on the legal shield for which you pay a whopping 1 dollar a month to have 24 hour access to a lawyer in the case of an arrest or detainment by police. When I was 15 Years old I was arrested while hanging out with friends at 2am on a saturday.

I was handcuffed to a bar at the precinct until monday before getting to speak with a legal aid who convinced the police that the charges were frivolous and i was let go. Imagine if i had been able to call a lawyer right away and have them convince the police that the charges were frivolous. Do any of you have any teenage children who hang out with friends.

Guess what, they are covered too. You your spouse and all your children and dependents. Even your elderly parent who lives with you who is having legal troubles with social security. See what i am getting at. All for just about 24 dollars a month.

Every insurance plan has fine print but that doesnt stop us from paying our premiums. I was recently diagnosed HIV positive and found out that the HMO I was paying 150 dollars a month for did not cover my hiv treatment. When i signed up for my HMO before i was diagnosed I didnt know that I was going to be diagnosed with something that was not coverd on my plan.

But there are many other things related to my condition that are on my plan that make it worth having. Think of this, if police officers had a plan for 20 dollars a month that offered them 0 accountability if they shoot a suspect, dont you think more officers would pull the trigger. The ppl plan is not meant to be a loaded gun for criminals, it is meant to be a kevlar vest for the average joe. It wont always catch the bullet but it does give you some peace of mind.

As for your business, TREAT IT LIKE A BUSINESS AND NOT LOT A LOTTERY TICKET and it will pay huge dividends in the end. I hope that i have been able to help people avoid the pitfalls that could so easily put a damper on great success.

I was an associate for five years, probably longer than most people on this board. I wonder of all the people that were defending pre-paid legal in this thread, how many are still working with the company?

I still love the membership and I still get a deposit now and then, but the fact is no one new in the company is making any money, membership numbers are down, recruiting numbers are down, but the "new compensation plan" is going to fix everything. It doesn't matter how good the comp plan is if no one is buying you won't make any money.

I'm not bitter like a lot of folks on the board. I'm glad I did PPL, but I'm glad I'm not doing it anymore.

The entire problem with pre-paid legal lies with the associates themselves propagating claims about the product that are untrue. They get this information from attending meetings.

Judy Your statement that people who bring up these facts about the company are evil, the devil, demons, is not nice. It is nothing more than a statistic that in 2006 only 8,858 out of 450,000 associates sold at least 10 memberships. That means that only 2% of the associates vested thru selling 12 memberships a year. I point out that only 90,000 associates in 2006 managed to sell only 1 membership. This is all contained within the companies 10K annual report released last month.

You state that there are disgruntle lawyers who are losing clients to pre-paid legal. I laugh. Here in Michigan there is only one firm in Troy Michigan. What about all the other attorneys. If I were to take into consideration the statement that Pre-Paid legal wants you to go by. Which is the 80% of middle class earners can not afford attorneys. Then If the other 20% have theirs paid because their rich or getting finical help or pro-bono attorneys. Then how is it there are so many attorneys working for the 80% of the middle class earners? Are they working for free?

Also new flash I have a great paying job. I am far from broke. I have a car a home, 2 kids and much more.

You may have Unlimited income potential I stress potential because that is what it is. But why is it that the statistics are that they are above. Seems to me that Pre-Paid legal has 2 troubles. Associates selling products and members who are quitting for what ever reason at the same rate as associates can sign them up. Last year in 2006 616,000 members left the company more than the amount of memberships that were sold.


Judy, you are stating that there are 75 millionaires in Pre-Paid legal and that a new associate gains 100,000 every 60 days. Is this every associate? It can't be if only 8,858 made only 10 sales. Maybe you mean that there is 6 associates a year make over 100,000 on pre-paid legal. Also those millionaires where are they? Are they book writers? Are they making money signing up associates or on other things such as having seminars?

Just to let the facts be known is that Pre-Paid legal's ID theft Shield provided by Kroll World Wide is also known as ID theft smart. It is sold by numerous other companies. So they are not the only company selling the product. They claim that their product of ID is the best when coupled with their legal service. The ID theft shield stand alone is nothing that is a one of a kind.

It is stated You will need to invest about $1200 and about 600 hours to clear your identity is somewhat of a skewed statement that stems from 2003. First the company wants you to think that they are using statistical numbers from the FTC Synovate survey report in 2003 by flashing the report to you in their movie and on their webpage. When in fact the report did not give those statistics at all. Those came from another source. Needless to say that it is now 2007 and ID theft statistical information via surveys has shown that ID theft is dropping in numbers and that the time and money spent is also doing the same. Most people spend no money clearing up their Identity. It is the few that have drastic cases that Pre-Paid legal wants you to know about. Not averages.

Point two here is while Pre-Paid does cover some things fully such as writing letters and giving wills and also helping with some types of cases. The question is while you do get all of those services it is still not making the legal system affordable or usable by the middle class. Most people who need to have a case in those 25% areas need to pay retainers and also pay at least attorney fees at 100$ an hour. Most people can not afford because they are not saving the costs.

Thus it is still not affordable. Most people who use Pre-Paid have their attorney write a letter for their trouble hoping the other side will give up. But then what? If you want to go further you will have to go into the 25% area and sue. Then were talking Money that one might not have thinking that their 16$ a month would be the solution by writing a letter. This is what is not explained to the consumer. The reality of it all.

I hope that people will make a decision about whether or not to become an associate knowing that only 2% are making sales over 10 memberships a year. Also that if they do sell they are not making false claims such as you will have an AG rated attorney. Because that is making a sale to someone stating they will have an AG rated attorney and that is not a guaranteed part of the product.

Also to those people who have used the product. If you have trouble with the associate such as the first post who did not get paid for services they provided. You have to sue the Associate. They are an individual agent.

Now one thing that Judy and many associates do not understand is this is not insurance. If it were insurance then every state would then accept them as being an insurance provider. But since that is the case and you are just providing services not a insurance to people then you are not an insurance provider.
When compared to an health coverage system I get to choose my doctor out of a book of doctors. Unlike Pre-Paid legal attorneys where I have to choose from only having one, the designated firm.

Jay,
I admire your commitment to Prepaid Legal ( I am also a committed associate) and I am sure Mr. Stonecipher would be honored knowing that we have people like you in the company. You and I both know that there is power behind the philosophy of PPL and that nothing will ever change that, no amount of evil can permeate that power. So Jay, my message is to you, Do not allow, the Tim-Valpariso's, the Dave's, the disgruntled lawyers who are losing their customers, or the lazy people who think that they should pay thousands of dollars for an education to get a JUST OVER BROKE reward, but no investment to have a business of their own with unlimited income potential. Also forget about the, I have everything wrong in my life and I don't have a car, and a house, and a..... that is the reason why they are in that situation because that is all they do with their lives - complain, never really trying to change their circumstance or situation (there are many single mothers and fathers who have changed their lives because of PPL, the whiners should thank God they have a home and food, some of these successful parents did not!) I am sure you already know that!

Listen Jay, we are on the same team and our place is to serve and help as many people as we can, let us focus on that and forget these people, because the more you pay attention to them is the more they feel as if they are important and what they have to say is of meaning. My advice is this, Jesus was the most loving, caring, giving, and forgiving being, still they persecuted him for doing the right things. PPL is no different, we know that the 75 millionaires that have been created, and the new associate that gains a six figure income every 60 days is a product of the giving nature of Mr. Stonecipher. With that said my place is to encourage my fellow associate in letting you know that this is nothing but the devil trying to mess up one of the greatest opportunities there is.

For my other fellow associates who have been responding to these negative energy people, remember if you must respond never respond to their cynical remarks, because as I mentioned before this makes them feel too important and the fact is they are not. State the facts about our company and ignore these people. What is important here is that we know what our company and service possess. These people will know when the day comes and they get their identities stolen, and all the other identity protection companies that they have joined or heard of send them a kit and tells them, you will need to invest about $1200 and about 600 hours to clear your identity. We know that when it happens to us (and it will, 3 out of every 4), we have the peace of mind knowing that all we need to do is sign over a limited power of attorney to Kroll and they will investigate and restore all of our good name in all 5 areas of identity theft without charging us another penny, while we sit back and relax on one of our many vacations.

Jay I know you receive it, so I will leave you now with this note, I will never respond to these demons because that's what they want (so they can suck all your positive energy) and you can bet I have touched the soul of someone who will violently attack, but to win you must know how to fight the battle, the one that attacks the most is not the victor, the one who works with facts and intelligence will always prevail. There will always be complainers and negative people who nothing works for, give them a week with Donald Trump personally giving all he has ever used to make money and they would come back saying, it cost too much, it takes too much time, I can't do it because I will have to invest in my education and invest time, or it is too hard. It will never be positive, so never try to convince or entertain them, I certainly won't! My only response will be to state facts to the other people who are reading all the mess that they write and that's it. Do not make this personal Jay, they have no power! Do your serving by educating our other readers by arming them with facts, leave the naysayers to their doom, it will be a sad recognition for them. You are a great associate keep up the good work. Be Blessed!

P.S. Readers, Prepaid Legal offers five areas of coverage and for the representations that are not covered under these areas you are offered a 25% discount for things like divorce, child custody, child support issues etc. I really don't believe that anyone would think that they could pay $16.00 per month and get everything covered, just as I wouldn't expect to pay a certain amount of medical premium without paying a deductible and not take care of some things myself. The same goes for any insurance.

What do your lawyers from PPL, do or cover?

Every case a person may need help with, which are the most common, you won't cover according to some of the posts here. That's bull

What's the point of paying a monthly fee, what does a person get for his money?

Most people don't wake up and say today I'm going to do a criminal act, be real.

So far all I read is a bunch of sales people, telling one another how great we are and how I'm living the good life. and what this company has done for me, who care, what will your company do for the person that you sold this product to.

I just don't see where this is worth it, for the commom man or lady, except to line the pockets of all these great sale people, so they can live the good life.

Daniel
Thomas Anderson is the type person you don't want to learn from.
Apparently he thinks your thinking level is below he and his wife or he would not mention "degrees" and how much knowledge he thinks you have.
Mr Anderson has probably uses his money every time he buys a cup of coffee to see if his law firm approves of the price he's paying for it.
Making a decision on how to make money and the reputation of a company's finacial status cannot be made with a degree and Mr Anderson knows that!!
Do some research, thats all it takes, not a degree.
PS I also have a college degree, and it's not in Public Relations.

The Supreme court of your state regulates code of conduct of attorney's and issues related thereto, as well as your local bar associations.

The Supreme court of your state regulates code of conduct of attorney's and issues related thereto, as well as your local bar associations.

The Supreme court of your state regulates code of conduct of attorney's and issues related thereto, as well as your local bar associations.

The Supreme court of your state regulates code of conduct of attorney's and issues related thereto, as well as your local bar associations.

Daniel,

I would mention to you that this is a high risk job. With 50% retention rate the first year of memberships. If you do this sell the product for what it is. Do not make up things that it does do and sell them. Do research. Get up to date ID theft numbers and also do not make false statements. That is all.

Daniel, I'm not sure exactly what you're looking for but I may be able to help you find a starting point. Check with the SEC, recent media coverage(just google it), and I believe "Success From Home Magazine" will be doing a cover to cover publishing about PPL in the next month or so.

Thomas, congrats on retiring into the lifestyle most people will only dream about! You sound like your doing great! You also brought up a very valid point -- Not everyone should work with PPL -- not everyone can bring themselves to do the work and not everyone will put in the work neccessary to see the results. Also, I don't know what magazine it is that you saw, but being an associate of PPL I've never seen or heard of ANY magazine that PPL publishes. The magazines we hand out for people to review have just done write-ups about the company so if it was BS blame the company that printed the magazine not PPL, thanks.

As always any questions or concerns you may direct to me

Here's to YOUR success!(In whatever you do!)
Jeremy

Dear Daniel - Quartz Hill, California:

It is not our job to "save" you from PPL or from anyone else. You are not asking for our help, but rather you are issuing a challenge that we should prove you wrong to pursue PPL. But why should we bother? It is not our job to "prove" anything to you. YOU are the one who will suffer the consequences of your decisions, not us.

Me? I was... what is the PPL term? A Salary Slave? Professional Employee? I forget. I have been retired a while and we have a very substantial net worth, a house at a large lake with a private dock and land, a big block Baja (boat), a new '07 Camry V6, a low mileage F150 4X4, .... all paid for. And we have FULL medical insurance. Pretty good for a retired Salary Slave, don't you think? Its the "Long Green instead of the Fast Buck" phenomenon...

There are NO complaints here about the employment practices of the company I have retired from, but there are plenty about PPL. You might care to find them under "SEARCH for PPL" or "SEARCH for PrePaid Legal".

I read a PPL Advert Magazine in a doctor's office June '06 and I recognized pure BS when I saw it. But maybe you cannot recognize pure BS when you see it. Maybe I am simply smarter than you are, and maybe we have what we have simply because we are smart. [My wife has a Masters from Georgetown....]

But anyway, we got ours, so.......

Good luck with PPL, Daniel.

I am a 19 year old guy from California. I was referred to PPL last week by a friend of mine who has been an associate for a year now. I have been checking it out online for about four hours now. I have been having trouble finding anything recent, outside of their website, or authoritative.

I was wondering if anyone had anywhere I could look, except for their site or outdated news sites. I see their stocks haven't died out like the news of 2000 and 2002 said they would. On the contrary, they are growing.

So yeah. Any help in this would be appreciated.

Daniel Swaim
Future PPL Associate
(Unless I find evidence that I shouldn't be)

I am a 19 year old guy from California. I was referred to PPL last week by a friend of mine who has been an associate for a year now. I have been checking it out online for about four hours now. I have been having trouble finding anything recent, outside of their website, or authoritative.

I was wondering if anyone had anywhere I could look, except for their site or outdated news sites. I see their stocks haven't died out like the news of 2000 and 2002 said they would. On the contrary, they are growing.

So yeah. Any help in this would be appreciated.

Daniel Swaim
Future PPL Associate
(Unless I find evidence that I shouldn't be)

I am a 19 year old guy from California. I was referred to PPL last week by a friend of mine who has been an associate for a year now. I have been checking it out online for about four hours now. I have been having trouble finding anything recent, outside of their website, or authoritative.

I was wondering if anyone had anywhere I could look, except for their site or outdated news sites. I see their stocks haven't died out like the news of 2000 and 2002 said they would. On the contrary, they are growing.

So yeah. Any help in this would be appreciated.

Daniel Swaim
Future PPL Associate
(Unless I find evidence that I shouldn't be)

I am a 19 year old guy from California. I was referred to PPL last week by a friend of mine who has been an associate for a year now. I have been checking it out online for about four hours now. I have been having trouble finding anything recent, outside of their website, or authoritative.

I was wondering if anyone had anywhere I could look, except for their site or outdated news sites. I see their stocks haven't died out like the news of 2000 and 2002 said they would. On the contrary, they are growing.

So yeah. Any help in this would be appreciated.

Daniel Swaim
Future PPL Associate
(Unless I find evidence that I shouldn't be)

Jim I'm sorry for your experience with the company and what you personally had to go through, I hope any detriment that you suffered as a result was minor and that neither you nor your family suffered any great losses during what happened to you. I assure you, however, that I as well as many, many others have recieved excellent services from the company, associates and members alike.

Dave I'll address you comment by starting at the end and working my way backwards.

1. Concerning ID theft - I agree whole-heartedly that there are many preventitive measures one can take to help avoid ID theft, and encourage everyone to be very careful when dealing with personal information. However, I'm sure many people who work or are customers of businesses like Starbuck's and T.J. Maxx do gaurd their information closely but have found their ID compromised by people breaking into databases. The men and women who defend us in the armed forces face that same situation. Innocent people have had their purses or wallets stolen, or have lost them, no aount of preventitive measure will copletely stop ID theft, its a sad truth. ID theft is an epidemic. If you don't want Prepaid Legal to restore your identity when its stolen that fine with me, but please don't fool yourself into thinking its not a problem you should concern yourself with.

2. Concerning the lady who died in a case of medical ID theft - I'm sorry, I do not know the exact practices that the doctors or hospital used when treating her, I just know that it happened. You can argue details until the world itself crumbles and it won't change the fact that it happened and it was a result of someone stealing the lady's ID. All I know is that it happened and there are millions of others that have had their lives torn apart because of ID theft as well. Please reasearch it yourself if you don't realize what a true problem it is. I was only using her as an example of how extreme it can be. Goolge Identity Theft sometime and look through the 17,700,000 results yourself.

3. Concerning the statement that 80% of an attorney's income come from 20% of their clients - Good catch! I did make a mistake when I worte that! It should have read: 80% of an attorney's business comes from 20% of the popuation(the very wealthy who can afford an attorney and the very poor who recieve legal aid).

4. Concerning affordable legal representation - I'm sorry if I'm not being clear enough. Attorneys are expensive. Paying someone $150 or more an hour is expensive. The phrase "We try to make legal services affordable for everyone" means exactly that, however. We provide legal coverage for $35.95 a month or less. The simple facft is that yes you can hire an attorney yourself and pay whatever he/she charges, but wouldn't you rather have the best for less. Compare it to healthcare if you need me to be more in depth. Going to a doctor's office without health coverage is expensive, medical insurance alleviates some of that expense, in essence making health care affordable, Prepaid Legal functions similarly.

5. Concerning AV rated Attorneys - Yes, the rating AV is given to an attorney by his/her peers. No, they do not poll that attorneys customers. However, I think, if someone was telling me that an attorney excells in his/her field and has risen to the top of their industry I had rather it be another attorney who would know how well that person represents their clients in a court of law.
+ 92% of the attorneys working at our provider law firms are AV rated to answer the question "At the firm I would be using less than ? of the attorneys are AV rated." I've already stated how many of our attorneys are AV rated. The number is 92% so if your provider law firm has 30 attorneys the number of attorneys you would be using at that law firm who are AV rated would be 27(rounding down of course)
+I'm sorry Brian Kovie told you an incorrect figure when speaking of how many attorneys worked at the provider law firm, perhaps he was mistaken, perhaps he mispoke, perhaps he flat lied, I don't know him, and I can't answer for him. Good job checking into yourself though.

6. Concerning the need to sue - If you need to file a law suit, by all means, go file! The money is not coming out of your pocket in order to pay for the services you will recieve but off the final settlement in the case. The attorney takes a percentage of the final amount. If that original percentage was 30% with a 25% discount the compensation recieved by the attorney would only be 22.5%. I don't kow why the company as a whole does not cover law suits, I have speculated and given my opinion on this matter, and until someone comes up with a viable reason for me to talk about this area of coverage I consider arguing it a mute point.

7.Concerning divorce, bankruptcy, ect. - All in all Dave, I have also explained this area very thouroughly... Twice. I did not say that bankruptcy or divorce are criminal in any way, i'm sorry if you misunderstood me. I did not say that everyone who goes through a divorce or bankruptcy is playing the system. All I said was there are too many people that have, do and will play the system. I'm personally sorry to hear that you had to go through either one, I know how trying it can be. I know several people who have gone through divorce or bankruptcy. Some of those people were going through a living hell, I know I've seen it firsthand with very close family members. Understand that I know sometimes it cannot be helped, but as much as I'd like to believe in the general goodness of people, there are more people than not that get themselves into those situations knowingly, I've also seen that first hand. This again is another mute point to me as you are not bringing up any new viable points of contention with the services my company offers only attacking me personally because not everything I said came out exactly as I meant it. Everyopne makes mistakes sometimes, forgive them and look past them a little ways, please. Again yoiu can argue what I have said until the world falls out from under you, it won't change a thing. In the end I will still not have said that people who file for divorce/bankruptcy are criminals, or abusing the law. The same stament I have made will still be the same: SOME people have, do, and will abuse the laws concerning bankruptcy and divorce and use them for their own gain. Its a mute point Dave. I can't say it any clearer than that. Please bring up new points that have not already been addressed and are not intended for the sole pupose of degrading me, I'm asking you that one simple thing. Stick to issues please.

8. Misrepresentation - I do not follow on what it is exactly that I have misrepresented. Outside of a few typos everything that I have written is one hundred percent documented(with the exception of course of the expressions of my personal opinion.). Again please do the research youself if you don't believe what I am telling you, I encourage it. Though I can't find where I have misrepresented the company, any information that I have provided that is misleading to you I apologize for, it is not my intention to provide any information that is not 100% true and documented.

9. Side note - As I have been personally attacked for defending my company twice over now I would like to ask everyone to please not indignify anyone who would respond to any comment in this report. Some are providing opinions, some facts, some both, but to me it seems that all have every right to do so without being verbally assaulted or degraded. Personally degrading someone because you do not agree with them or because you have a personal vendetta against the company that they work with is not needed, nor does it help your arguement. On another note, I am not here trying to sell Prepaid Legal to anyone, in fact as a result of my comments here I have actually been in contact with a young lady who was having trouble cancelling her membership and was able to offer her assistance in proccessing the cancellation.

As always I'm glad to be able to provide any information I can. If you have any further questions please feel free to contact me at jeremyd_33@prepaidlegal.com I will help you in any way that I can. I appreciate the e-mails I've recieved from some of you already and hope that my responses helped.

Here's to YOUR success! I'll see you at the top!
Jeremy

You stated previously, ?To those who are upset that Prepaid Legal does not cover the most common legal situations(i.e. DUI, DWI, Divorce, Bankruptcy, Domestic dispute, assault, Drugs, etc.) completely -- Again Prepaid Legal was not set up as a way for criminals to receive top level representation for a low monthly cost.?

It appeared as a statement that was adhered to each other. It looks like you grouped all the people together into One lump with those particular cases and then proclaimed to be criminals. Then you go on to state in your rebuttal to me this statement, ?However, with the bankruptcy and divorce rates being the highest they've been in thirty years there are simply too many people who are playing the system. It's sad and I wish we would cover these areas, but until us, as a country stop abusing these areas of law it is not feasible.? Now you have said that Divorce and bankruptcy filers are abusing the law. What I would say to you from a person whom have done both is that they are there for reasons that people who are in different situations can change the situation that they are in. People are not all abusing the system.

Then you say this about someone who is suing someone else, ?Again get some values! If all you want this service for is to save money when you sue someone, I had rather you not have this membership because you would only disgrace the company, and I defiantly would not have you on my sales team! Outside of that most attorneys charge a percentage of the final settlement on lawsuits anyway, and you don't have to pay them if you don't win.?
Then you also further stated, ?Many attorneys will take the case under the condition that they only receive compensation if they win, unless, of course, they believe the case to be frivolous. Moving on! ?

Your company states that they will write letters about complaints about service, wrong charges, etc. But what if you need to sue? Should I ask pre-paid legal in the morning on Monday why it is they do not give more than a 25% discount to you? I will tell them what you told me. I would say this is only your opinion of why it is like it is.


I make about $70,000 or more a year. If you count medical benefits and everything else I make close to six figures a year. What is the income bracket for the 80% of middle income? I can tell you that depending on your location that your salary may not or barely meet the cost of living. I did use an attorney who was charging $175.00 an hour. There are a few statements that you have said.

First you said, ?The word affordable should not even be paired with "legal representation" But I ask then why does pre-paid say it is proving affordable legal services?

First the firm in my area is Powers/Chapman. They have 30 attorneys. Not the over 50 that this associate Brian Kovie
told me once. There are a couple of issues with you stating that your AV rated attorneys are ?The Best?. The AV rating is a peer rating system in which an attorney usually has to have over 5 years experience and also is recommended by another attorney to be reviewed or is selected by Martindale Hubbard themselves. No customers are asked their opinions at all. At the firm I would be using less than ? of the attorneys are AV rated. Pre-Paid Legal does not guarantee that their attorneys in the networks are AV rated either. So this is not a selling point as you have no made it seem to be. Your not alone many people here claiming to be associates have brought this up previously even though it is not a service nor a requirement to have even one AV rated Attorney in your firm to work for PPL.

You state, ?on average one should consider anything between $150 an hour to $200 an hour affordable in MOST situations.? but then you further write, ?the is no arguing that the cost of an attorney will still be high even with 25% off? You have not decided if it is affordable or high cost.


You state, ?80% of their income comes from 20% of their clients.? If this is the case then how are those thousands of attorneys making it financially? Since they are not getting paid according to you why do they not stop taking cases from middle income wage earners?

In regards to the poor lady that was involved in a fatal case of Medical Identity Theft the person stole her Medical ID
However it was done and they used it to get a blood test for themselves. You state this information then goes onto the
Persons file into a computer at the hospital. When they show up next time you need not ask any questions doctors are just assuming the information on file is correct. No confirming blood tests are done at all. Not a person involved double checks information or asked the patient if awake and conscious to give information about themselves.

Some places do not compare photo ID when being submitted to the hospital. But for blood work your paper work has to be given to you by another doctor which could had been forged and be fake but someone might notice if they looked. While to me the hospital should have many redundant methods. I did not mention that a law suit would be a disgrace.

I am sure that ID theft is a serious crime. The fact is there is much you can do to prevent it. Also if others would do a better way of checking that people are who they say they are by using photos verse taking the word of someone.

I have been a PPL member for over a year and have paid my initiation fee and my monthly $26.00 fee, but have never been able to utilize any of the PPL advertised services.

Every time that I needed representation, I was given law firms that were not really interested in my case and had to request new law firms.
I believe that when the legal firm heard that you were coming in to them from PPL, then they viewed this as if you were looking for a public defender and you became low priority.

I have been dealing with divorce and personal WILL needs. I have thrown over $300.00 dollars away, in dealing with PPL and always ended up hiring local counsel without PPL assistance.
Perhaps there are some people who have found them to be helpful, but I suspect they are few.
The old saying "You get what you pay for" holds very true regarding PPL.

$26.00 per month seems trivial to some, but it adds up and then you will look back and discover that you could have done so much more with the money, instead of lining the pockets of PPL and their recruiters.

Luckily my wife brought me to my senses and I canceled my service.

Beware, service cancellation is not just a phone call, but there is paper work to be filled in and sent to PPL, then you have to wait for verification that you have been cancelled.
My suggestion is to shop around in your local area and you may find better and more responsive legal aid.

Okay. While the personal attack might be a bit much, I will gladly share more information with you all to clearify these new issues.

1. On the grounds that I stated divorce, bankruptcy and domestic disputes are criminal acts -- This was NEVER stated in ANY of my comments. "To those who are upset that Prepaid Legal does not cover the most common legal situations(i.e. DUI, DWI, Divorce, Bankruptcy, Domestic dispute, assault, Drugs, ect.) completely" This is addressing the people who were concerned with these particular legal problems. "Again Prepaid Legal was not set up as a way for criminals to recieve top level representation for a low monthly cost." This, the beginning of this portion of my comment is a statement that does not point out any individual crime, and was not meant to imply that divorces, bankruptcy or other common legal problems are criminal in any way. "The fact is there are more divorces going on now than ever before, drugs are out of control, drunk drivers kill people, bakruptcy has become an excuse for people to spend more than they could ever make and suffer no repricutions for it." This comment was meant to explain VERY BRIEFLY why I BELIEVE - me; myself; why I believe; I am not speaking for the entire company here - that these areas are not fully covered under the plan. The simple fact is that people who get divorces and file for bankruptcy might have made mistakes, as I said, as people we are all prone to them, and may be trying to correct themselves. However, with the bankruptcy and divorce rates being the highest they've been in thirty years there are simply too many people who are playing the system. It's sad and I wish we would cover these areas, but until we, as a country stop abusing these areas of law it is not feasible. Now, as for domestic disputes, if the situation has gone far enough to require legal council, outside of a restraining order, or the police are involved typically, they are criminal offense, and people do go to jail. This isn't always the case, as there are always exeptions to the rule, but MOST of the time they do end with criminal charges being pressed.

2. Concerning the 25% discount -- I NEVER hid the fact that Prepaid Legal only gives a 25% discount in legal situations that fall outside the other areas of coverage. As for civil suits, however, please refer to my previous statement to view the coverage in that area. If you are talking about you personally filing a civil suit please refer to my previous statement, its a mute point, many attorneys will take the case under the condition that they only recieve compensation if they win, unless, of course, they believe the case to be frivolous. Moving on!

3. Concerning AFFORDABLE legal representation -- The word affordable should not even be paired with "legal representation" unless the prefix "un-" is applied. However, on average one should consider anything between $150 an hour to $200 an hour affordable in MOST situations. Now prices do vary according to the severity of the situation and what area of law the that particular situation falls under. Working at a private law school, I have found that attorneys tend to charge upwards of $200 to $250 an hour, and these are not the best attorneys you can get. 92% of Prepaid Legal's provider attorney's are AV rated which means they are at the top of their field and cannot get any better. so to rebut the question of what affordable legal representation would cost I would like to know how much you would have paid to have Johnny Cochran (a member of our Tennessee firm before passing away), or Michael Moore (a current member of our Mississippi firm, and the lead negotiator in the tobacco settlement) defending you and your family? $150 to $200 for people like this is as affordable as it gets!

4. Concering the statement that the company lies about affordable legal coverage under its 25% discount -- No. The company does not lie, it is the responsibility of every associate to make sure that this is clearly pointed out as people will not be fully covered for areas not outlined under the other titles of the plans. It is right there for you in black and white on every flier and brochure, the web page, and is stated on every recorded media that the company produces. Also, the is no arguing that the cost of an attorney will still be high even with 25% off, but the question is: "would you rather find your own attorney and pay full price or have the best for less?" It's a simple matter of opinion, if it was your mother, or your son going to trial you would do everything in your power, sell off everything you own in order to make sure that they had legal representation this discount is only there to help in those situations. It's just like a copay with your health insurance, if you need a medical procedure, whether it be setting a bone in your arm or open heart surgery, you're going to pay, and you're going to pay big. No insurance of any kind anywhere will cover everything completely, if you find one that does, let me know, I'll be at the front row of your meeting. Most insurance is of a preventitive nature, just like Prepaid Legal, it's meant to stop the fire before it gets out of control. Same as Healthcare, you need a consultation or need to go to readicare then it's covered, but there are some areas of coverage that you have to flip the biggest part of the bill for, sorry it's life, people want to get paid and professionals that have been in school for 7+ years REALLY want to get paid.

5. Concerning public defenders, pro-bono attorneys and payment plans -- There is a ratio that I have learned from working at the law school and speaking with the attorneys teaching the courses: 80% of their income comes from 20% of their clients. The very wealthy can afford to pay their attorneys, everyone knows it. The very poor can recieve public defender and the attorney will recieve his/her pay from the government, however be prepared to review your case with the attorney 10 minutes before your case starts because this is the common practice. No, you will not recieve a public defender for any areas outside of criminal charges, however, you can find pro-bono attorneys for most other areas, check in your community and on the web, there are several different programs to help the lower income families find cheap or free representation. Payment plans are set up by the attorney and whether or not to practice giving clients payment plans options is completely up to the law firm, these can be hard to find in some areas, other areas, not so hard. For middle class income earners, however, forget it! There is no legal aid, you have to fend for yourselves, take out loans, sell off everything you own, ect. Prepaid Legal is only trying to alleviate some of the hardship you will have to endure in situations not covered under the other areas of coverage.(I hope I addressed the concerns in this particular area please ask a more clearly defined question if I did not, I'd be happy to Explain more if you need it.)

6. In regards to the poor lady that was involved in a fatal case of Medical Identity Theft -- Perhaps I did not clearly state what happened. I appologize. As I DID say the lady's medical identity was stolen and the person responsible for her stealing her medical ID had blood test done on themselves in the woman's name. This would stand to imply that her medical ID was stolen long before she was admitted as it can take several weeks for results to come back on blood tests. She had her medical insurance card stolen, not her clipboard in the hospital, hospital staff did not tamper with her files, a criminal STOLE her identity, did not tamper with it or switch it for someone else's STOLE it and used it in a malicious crime that ended the lady's life. When something is added to your medical file, it follows you wherever you go. It is entered into a national database and any hospital that you are admitted to can access it. That is why the doctors gave her the wrong blood type. It is not the fault of the hospital as an entity or of the doctors involved it is in fact the fault of the person who stole and used the lady's medical insurance. The can be charges filed against the hospital for negligent homicide and law suits filed naming the doctors involved and the hospital as defendants, while the suits might hold ground, I doubt the plaintiff could win that particular case, and the charges would also probably be dropped as it was the activity of an individual functioning outside the hospital with no known connection to it or its employees who caused the death of the young lady. " Why mention it. Pre-paid legal is not going to help you in this situation either because as you stated you would be a discrace to sue the hospital for not protecting someones medical records." This comment, of course was made in connection to the one I had previously made about CITIBank. First I would like to point out that I mean no disrespect to that company, I respect its practices and hope it goes forward to have obtain the utmost success. Second I would like to agree with you. Prepaid Legal would not be the one to help you in this particular case, instead it would be an affiliate company, Kroll,INC. This is the company that deals with the side of our plan covering Identity Theft, they would help in this situation.

7. Concerning the final parts of the statement to which this rebuttal is directed -- "Of course if you did not know you might be able to also get an attorney for free that would not charge you up front if you had a solid case. Since the defendant would pay you fees." Please see my previous comment and note that I stated this exact argument there, and whole heartedly agree. Prepaid Legal will not press a suit for you, but, as I stated in my last comment, Most attorneys will work on the basis that you only pay if the case is decided in your favor. Good call on that Dave but please take the time to read the ENTIRE comment next time just to be sure that you are not reitterating what I've already said.(I mean for absolutely no offense to be taken on your part, I am mearly making a statement and do not mean to insult you, I value the opinions of everyone who has something to say and you certainly raise some good points that should be addressed and I thank you for giving me that opportunity to do just that. I just hope I am answering any questions you all may have clearly, and I appologize if I am not.)--- "What I see all the time here are associates that think they are attorneys. I am not one either but I know the law and I know what is possible." Please... Allow me to clearify. I AM NOT AN ATTORNEY. I am an indepentant associate of Prepaid Legal Services, INC. I do, however, know the law as well, Dave, and, though I could be wrong, I am willing to bet I probably know more about it, and have more insight into it than most who are not attorneys. Again I work at a law school, I am an associate of Prepaid Legal, my life is filled with legal jargin on a daily basis, and I do study the law in my down time at the office. Please, I am asking you, as a matter of personal respect for others, not to personalize your comments in order to insult or degrade the associates of Prepaid Legal simply because you have a personal vendetta against our company. As for Prepaid Legal's associates: those of us who are not attorneys say that proudly, and simply say that we are brokers for the people who DO have their Juris Doctorates.

I appreciate the opportunity to address these issues and urge anyone with questions of concerns about the company that have not been addressed previously to contact me via e-mail at jeremyd_33@prepaidlegal.com to carry on further correspondance. I will gladly answer anything I can and try to find the answers to anything I don't know about, or that I am unsure about. Again, thank you for you time.

Here's to YOUR success!
Jeremy

In the last post it was written that divorces, bankruptcy, and domestic disputes are
Criminal acts in the opinion of the writer. This to me shows that this person is highly uneducated. These are not crimes at all. So not one person is a criminal.

The Whole matter here is that Pre-Paid legal only gives a person a 25% discount
To those types of cases. Along with civil suits. Which in some cases might be needed if your dispute can not be solved with a letter.

The question not one associate I have talked to can tell me is what is their opinion of
Affordable attorney fees per hour. Is it $100, $150, $200?

The company straight out lies about the fact that it is providing affordable law services to it's members when there is only a 25% discount. Affordable has not been
Defined and not one person has said what is. Also it could be debatable to what is.

According to the company, their stated, written stand point is that the lowest income
Will receive services from the public defender. For what I ask. The only services you will receive from them are for criminal acts. You can try to find a Pro Bono or someone who will accept payments over a course of time.

The middle income earner the 80% of people who seem to be the meat and potatoes of all cases in America seem to already afford attorneys somehow. Since there are thousands of them working thousands of cases filed by the 80%. And If you notice this 80% is a lot that do not have pre-paid services and the attorneys ae still getting paid. Or is it that there are many broke attorneys that are really waiting on their poor 80% of middle income wage earners to pay.

Nonetheless, not one pre-paid associate has ever tried to talk about that issue.

While I read the story written. I read a story about a woman in a hospital who had her medical records stolen. Yet the story is incomplete. As I hear only incomplete stories from associates all the time. They mostly sound unfetched. Lets look at this one, Recently a women was admitted to a hospital for massive trauma and was given a blood transfusion, unbeknownst to her, her family our the doctors, she had had her medical identity stolen. The person who stole her identity had blood tests ran and had a different blood type. This resulted in her receiving the wrong blood type in the transfusion and she died as a result. Tell her identity theft is not serious. Ask citibank, or your homeowners insurance what they will do in that case.

1. Who was it that stole her chart from the room and why?
2. The patient has many records, computer and a chart that is kept up daily.
3. This would be a case of accidental Homicide by the hospital no matter how the records were stolen. They were unprotected by hospital staff.
4. Your story Is somewhat sketchy. Was the record switched with by another person? What happened. This is one of the worst stories because I can make no sense out of it. To me this makes it that it never happened. How did a woman steal a medical record from another person and use it for themselves? This would not be beneficial to any of them at all.
5. Your comment of Citibank in the end what does that have to do about this at all? Why mention it. Pre-paid legal is not going to help you in this situation either because as you stated you would be a discrace to sue the hospital for not protecting someones medical records. Of course if you did not know you might be able to also get an attorney for free that would not charge you up front if you had a solid case. Since the defendant would pay you fees.


What I see all the time here are associates that think they are attorneys. I am not one either but I know the law and I know what is possible.

I hope you do not tell stories like this to your possible recruits.

Alright, I have read through the majority of the comments on this mesage board and thought I would impart some knowledge of the company itself, the associates involved with Preaid Legal and the comsumers paying for the company's services. There has been much talk on this page about the pros and cons of being an associate and of being a customer, perhaps I can clearify some of the misconceptions I've noticed.

1. To the former associates who feel as though they have been taken and wronged -- It is each individual's responsibity to ensure their own success in the business market. If a business is failing then it must be evaluated, the problem recognized and through whatever means rectified. As an independant associate you are the founder, CEO, and President of your own company and therefore the responsibility for making changes to adapt to your marketplace falls to you, not the coorperation under which you write business.
--- On a side note - perhaps the people who sponsered you into this business did wrong you, but again that situation needs to be corrected by them, not the company for which they are a subsidary. I am sorry for you pains, but i'm sure that in the long run with that type of business philosophy they will soon fail.

2. To the former Prepaid Legal members who feel the services they recieved were in contradiction to what the company originally told them were available -- The company does what it says. If someone approaches you with a product will you buy it without seeing it? That is exactly what it sounds like you have done. The services that will be rendered to you as a member of Prepaid Legal are clearly laid out in several different forms of documentation as well as media tools from the company. You will recieve unlimited phone consultation on any number of matters. If you want to call your attorney to ask them how the weather is you may do so. Unlimited means just that. You will have the availability of contract and document review on an unlimited number of subject up to ten pages per document. The number of documents you can have reviewed is also unlimited. You may also have 1 business document reviewed each year. The attorneys will write letters and make phone calls on your behalf if they see that a letter or phone call will rectify the situation(2 business letter or calls per year). A will is prepared and updated annually for you and your spouse at no additional cost, and $20 for every additional family member covered by the plan. A Living will is also provided with durable power of attorney. You recieve motor vehicle services for moving traffic violations not involving drugs or alcohol(i.e. this portion covers traffic tickets not stupidity). You will also be covered for certain motor vehicle criminal charges in case the worst should happen in an accident and someone die, you will be protected in the event of a law suit or charges of negligent homicide, vehicular homicide, involuntary manslaughter, of manslaughter. Should you be name respondant or defendant in a covered civil suit or job related criminal charges you will recieve a preset number of hours to work with an attorney prior to court and in court proceedings. There is no mention of classification between out of court hours and in court hours only the hours available to you prior to the trial commenses. IRS audit legal services will be accessible if you recieve notice of a personal audit. This does not apply to business taxes as that would be covered under on of our business plans. For everything not covered so far Prepaid legal also offeres a 25% discount on the hourly rate of your provider law firm. The reasoning for this is simple this coverage is meant to protect people when bad things happen, not help criminals get off the hook.

3. To those who mentioned fine print in their agreement -- I am truley sorry that you fell into a conversation with someone who would fraudulantly represent their company. There is, however, nothing hidden from the consumer where the services offered by Prepaid Legal are concerned. You simply had a bad experience with a liar. Please refer to a different associate, or the company policies for a complete overveiw of the services offered and their costs. You may also contact the coorperate headquaters at 1-800-654-7757in order to address any questions or concerns you may have and speak with a customer care consultant.

4. To Those who claim Prepaid Legal is a Pyramid Scheme -- I feel for you becuase you are clearly undereducated in common business models. Throughout any industry in the world there are different levels at which employees or associates perform their duties and they are compensated in accordance with their level of achievement. Yes we do follow the MLM/network marketing business model, no Prepaid Legal is not a Pyramid Scheme. Recruiting helps to spread the word and open the market for the services, it works by using networks or circles of people to find new clients. No not everyone needs to be an associate and if everyone were then there would be no opportunity for anyone. But you can move up through the ranks of the company's compensation plan without having ever recruited a single person, and you can still make a considerable income in that manner. You may also surpass the associate who sponsered you into the company and that associate's overrides are immediately cut off.

5. To those who are upset that Prepaid Legal does not cover the most common legal situations(i.e. DUI, DWI, Divorce, Bankruptcy, Domestic dispute, assault, Drugs, ect.) completely -- Again Prepaid Legal was not set up as a way for criminals to recieve top level representation for a low monthly cost. The fact is there are more divorces going on now than ever before, drugs are out of control, drunk drivers kill people, bakruptcy has become an excuse for people to spend more than they could ever make and suffer no repricutions for it. These areas are not covered because they feed off of the destruction of unsuspecting people and the country as a whole. Find some values please. If you are a criminal hoping for an easy way out I suggest you find a new lifestyle because the easy way out is not there!

6. To those complaining about law suits not being covered fully -- I PITY YOU! The legal feild in America is shattered! People litterally walk through stores hoping shelves will fall on them so that they can sue. There was a study done a while ago stating the top 10 ways for Americans to get rich some of the results are as follows:
1. Sue Someone
2. Hit The Lottery
8. WORK HARD

Again get some values! If all you want this service for is to save money when you sue someone, I had rather you not have this membership because you would only disgrace the company, and I definantly would not have you on my sales team! Outside of that most attorneys charge a percentage of the frinal settlement on lawsuits anyway, and you don't have to pay them if you don't win.

7. To those who think identity theft relates to Credit cards -- This is not entirely true. In fact by definition indentity theft relating through finances is actually considered fraud, not identity theft. It is covered under our ID Theft plan but realize that it only makes up about 26% of all identity theft.

8. To those who think Identity Theft is not a viable threat -- Recently a women was admitted to a hospital for massive trauma and was given a blood transfusion, unbeknownst to her, her family our the doctors, she had had her medical identity stolen. The person who stole her identity had blood testss ran and had a different blood type. This resulted in her recieveing the wrong blood type in the transfusion and she died as a result. Tell her identity theft is not serious. Ask citibank, or your homeowners insurance what they will do in that case.

9. To those who say "my Credit is already bad, I don't need protection" -- I only have one thing to say to you... It can get ALOT WORSE!

10. Pertaining to the stock market -- No, stocks do not tell the story of how sound a comany is and i cite the case of Enron as a perfect example of this. Generally the net value of the stock for a publically traded company amounts to about 3 times the net worth of the company itself. The fact that the company is publically traded, however, does means that the company is regulated and monitered by government agencies. Stocks do not tell the story of Prepaid Legal, The success the individuals have had in Prepaid Legal DOES! Those who have had their legal rights enforced, those who have avoided financial ruin by marketing a membership tell the story! Does the company that you work for boast the claim that over 250 people in that particular company make $100,000 a year or more?

11. Pertaining to those who claim they were not compensated for membership that they marketed -- Did you contact the company? The people working in the financial and marketing department are just that - people - and are therefore subject to the same downfalls as the rest of us. They make mistakes. Did you keep your reciepts to prove that you did infact market these services? Again failure or success is the responsibility of the individual.

12. To those that blame the company because they were unable to make money -- Step up and own the responsibility for your lack of work. If you were at one time an associate you are then over 18 years of age. You are a grown person. Own up to your downfalls, and accept the fact that it was your fault alone. To place blame on a different entity for you shortcomings is to empower that entity, and undermine yourself.

This post is long enough in my opinion or i would carry on, but if you have any concern or questions that were not addressed feel free to contact me at jeremyd_33@prepaidlegal.com I would be glad to address these matters. If I cannot fully explain the situation and offer some type of answer via e-mail I will then give you my personal contact number and speak with you personally over the phone. I will not shrink down from any questions you raise about my company! You may attack me for what I have said, and you may continue to attack my company, and, in fact I'm sure there will always be someone who just can't accept blame, and must point fingers and naysay, and express ignorant opinion without the proper information, but this is their right, and I would not strip them of this right. I will, however, Dispute any negative comments about my company until I have drawn my last breath!

Here's to your succes, and I'll see you at the top!

Jeremy

Here is more information per the javelin report for 2006 ID theft.

Major Findings
For the second year in succession the occurrences of identity fraud continue to decline. In the last twelve months, 8.9 million American adults (4.0% of US adult population)
became victims of identity fraud, an 11.9% decrease from 2003. Meanwhile, the average
fraud amount per victim has increased substantially (21.6%) to $6,383 since 2003. As a
result of fewer victims but larger average costs, the annual amount of identity fraud has
remained essentially unchanged at $56.6 billion, a 6.4% (statistically non-significant1)
increase from 2003. Because the majority of financial institutions do not hold victims
responsible for identity fraud, there is a substantial difference between average fraud
amounts and average consumer costs. Most victims (68%) continue to incur no costs
related to their fraud cases, while average consumer costs have declined by 24% to
$422. The average resolution time for resolving fraud cases has increased substantially,
from 33 hours in 2003 to 40 hours in 2006.Stolen paper mail and fraudulent address changes
Represent 8% of cases where the identity fraud victim can categorize how their
Information was obtained.


information stolen from the garbage is
the least costly at $0 to the consumer

A new survey category shows that the use of credit reports and credit monitoring
services was successful in uncovering fraud in 11% of cases. The average detection
time of 172 days indicates that more consumers are taking advantage of free legally
mandated annual reports, rather than utilizing credit monitoring services which would be
expected to have shorter detection times. The average consumer cost for resolving this
category of fraud is $264.


Lost or stolen wallet,
checkbook, or credit
card, 30%

By friends,
acquaintances,
relatives or in-home
employees, 15%

For the third consecutive year, most victims (68%) continue to incur no consumer costs
related to their fraud cases7. Furthermore, in the last 12 months, the average consumer
cost has declined by 37% to $422. These costs, which are directly paid by the
consumer, may include such items as postage, photocopying, fees (e.g., notary, legal)
and the payment of fraudulent debts.

In all, 5,000 consumers, representative of the U.S. population, were interviewed via a
standardized 44-question telephone survey to develop more accurate and actionable
insight into this pervasive and costly crime.
The polling yielded interviews with 529 fraud victims. For comparison, the Javelin's 2005
Identity Fraud Survey Report reached 507 victims and the FTC's 2003 Identity Theft
Survey Report reached approximately 433 fraud victims. After weighting the responses
to standardize to national demographics,8 the 2006 survey's computed number of victims
interviewed was 505 compared to the 2005 survey's 509 victims and 2003 survey's 514
victims.


So this is all information that is something to think about.

I have searched the web for credit restoral services. I found these sites to have the same bundle. Credit monitoring and restoral service.

(((link ROR redacted))) $69.95 per person, per year cheaper than PPD. There are others if you look.

Also you stated most people keep thier membership. If this is so what percentage is "most".

Per the companies 10K 50% of members are canceling thier membership every year. I would at the end of a 3yr. period you are left with about 20% of those people who started thier membership 3yrs ago. Meaning that Most people do not keep thier membership.

Lets look at this. will pre-paid legal really defend my speeding ticket if, these exemptions exist.

Under Motor Vehicles it says,
-"unmeritorious cases are excluded."
-"do not include the filing of a lawsuit"

What do these mean?

But I also ask this, the attorney might give you advice but they are not going to go to court with you. For instance, They can not represent you in small claims. So if you are suing for less than a few thousand that is small claims. Then there is the fact that because most people can not afford a huge retainer up front most of the time. Or they save up for it. They put off things.

It seems to me that Pre-Paid's claim to that fact that they are making access to attorneys just as if you have one working 24hours a day for you like they are on staff for you is somewhat skewed. I can ask my attorney friends for advice all the time. Will they go to court unless I pay them maybe, but probably not. Same here.

You do get what you get for 26$ free consultation over the phone. Most attorneys will see you for free up front for free so you can meet them and they can make an assesment of your case and meet you.

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

Dave,

You're right, that doesn't mean your ID has been stolen. However when, in your opinion, is it best to get yourself some protection? Before, or after you have been made a victim?

The thing that generally distinguishes our service from the rest is that in one package, you get the monitoring as well as the restoration services.

The great thing about it is that you have a choice. You can use our service, you can use another service, or you can do it on your own. But that is pretty much true of everything else out there in this world.

For example, I have a background in restaurants. I can make my favorite dishes should I choose to do so and have the same experience (as far as taste) at home as I would in a restaurant. However I prefer to actually go out and pay someone else to do it for me. I'm a bit on the lazy side so not needing to do all the grunt work is a benefit I am willing to pay for.

Now I am sure you are aware that I can go out and pay more for one meal for my wife and I then I would pay for a whole year worth of this service and many would not blink an eye. Yet people continue to come here and question the value of paying for a service that can save them plenty of time and potentially money.

By the way, I digested that meal already in the time it took me to write this out.

As far as those who get in the business and do not sell anything, that is going to be true for most as well. You can't make someone work once they sign up. For those who have jobs, doing this business, no matter how beneficial in the long run, is something most just will not bring themselves to do.

Many if not most, seem to keep their membership though, because although they didn't actually get started, they seem to see the value of the service.

That is of course except for those who only joined because of big money dreams.


The trouble as I see it is that too many get in thinking about recruiting. While that is a good way to build a passive income, most people are not good or willing at recruiting. I am one of them.

I have however found that their are many people looking for the service. As I mentioned before, I work from leads and I let the people know exactly what the membership will do for them in relation to their current need.

If it is only going to get them a consultation and then the discount, they know that up front. They also know that they are able to ask specific questions to find out what they can do themselves.

I just received an email from a member who is very happy. She was happy because although the letter did not help, it took her to the next step and the law firm told her exactly what to expect next and what to do in response.

She has qualified advice to get her through her problem, and should she need it and choose to go that route, she will have discounted services.

Again, her choice, just as it is everyone else's as to whether they want or need to service.

Just as the business is not for everyone, neither is the service.

To address the pay, well that was sorta covered above, most don't take the time to work it, so why would they get paid? That's the beauty of the MLM system. Those who work, get paid, and those who don't, don't.

I am not making tons of money, but since I found how to work focused on the customer, I have made as much last month as I did all last year. To be clear, I made as much in PPL income last month as I made in PPL income last year.

This will only compound, and now that I know how, will compound pretty quickly. All my own work and customers, not any down line.

Maybe this will make you more comfortable with the associate to member ratio. But give me a year or two, it will take me time to change that ;)

That is why I put my Skype name up, because I know many new associates read this as well. I am more then happy to point them in the right direction if they need it. It may help them, or it may not. But the info is there.

Tracy

Dave,

You're right, that doesn't mean your ID has been stolen. However when, in your opinion, is it best to get yourself some protection? Before, or after you have been made a victim?

The thing that generally distinguishes our service from the rest is that in one package, you get the monitoring as well as the restoration services.

The great thing about it is that you have a choice. You can use our service, you can use another service, or you can do it on your own. But that is pretty much true of everything else out there in this world.

For example, I have a background in restaurants. I can make my favorite dishes should I choose to do so and have the same experience (as far as taste) at home as I would in a restaurant. However I prefer to actually go out and pay someone else to do it for me. I'm a bit on the lazy side so not needing to do all the grunt work is a benefit I am willing to pay for.

Now I am sure you are aware that I can go out and pay more for one meal for my wife and I then I would pay for a whole year worth of this service and many would not blink an eye. Yet people continue to come here and question the value of paying for a service that can save them plenty of time and potentially money.

By the way, I digested that meal already in the time it took me to write this out.

As far as those who get in the business and do not sell anything, that is going to be true for most as well. You can't make someone work once they sign up. For those who have jobs, doing this business, no matter how beneficial in the long run, is something most just will not bring themselves to do.

Many if not most, seem to keep their membership though, because although they didn't actually get started, they seem to see the value of the service.

That is of course except for those who only joined because of big money dreams.


The trouble as I see it is that too many get in thinking about recruiting. While that is a good way to build a passive income, most people are not good or willing at recruiting. I am one of them.

I have however found that their are many people looking for the service. As I mentioned before, I work from leads and I let the people know exactly what the membership will do for them in relation to their current need.

If it is only going to get them a consultation and then the discount, they know that up front. They also know that they are able to ask specific questions to find out what they can do themselves.

I just received an email from a member who is very happy. She was happy because although the letter did not help, it took her to the next step and the law firm told her exactly what to expect next and what to do in response.

She has qualified advice to get her through her problem, and should she need it and choose to go that route, she will have discounted services.

Again, her choice, just as it is everyone else's as to whether they want or need to service.

Just as the business is not for everyone, neither is the service.

To address the pay, well that was sorta covered above, most don't take the time to work it, so why would they get paid? That's the beauty of the MLM system. Those who work, get paid, and those who don't, don't.

I am not making tons of money, but since I found how to work focused on the customer, I have made as much last month as I did all last year. To be clear, I made as much in PPL income last month as I made in PPL income last year.

This will only compound, and now that I know how, will compound pretty quickly. All my own work and customers, not any down line.

Maybe this will make you more comfortable with the associate to member ratio. But give me a year or two, it will take me time to change that ;)

That is why I put my Skype name up, because I know many new associates read this as well. I am more then happy to point them in the right direction if they need it. It may help them, or it may not. But the info is there.

Tracy

Dave,

You're right, that doesn't mean your ID has been stolen. However when, in your opinion, is it best to get yourself some protection? Before, or after you have been made a victim?

The thing that generally distinguishes our service from the rest is that in one package, you get the monitoring as well as the restoration services.

The great thing about it is that you have a choice. You can use our service, you can use another service, or you can do it on your own. But that is pretty much true of everything else out there in this world.

For example, I have a background in restaurants. I can make my favorite dishes should I choose to do so and have the same experience (as far as taste) at home as I would in a restaurant. However I prefer to actually go out and pay someone else to do it for me. I'm a bit on the lazy side so not needing to do all the grunt work is a benefit I am willing to pay for.

Now I am sure you are aware that I can go out and pay more for one meal for my wife and I then I would pay for a whole year worth of this service and many would not blink an eye. Yet people continue to come here and question the value of paying for a service that can save them plenty of time and potentially money.

By the way, I digested that meal already in the time it took me to write this out.

As far as those who get in the business and do not sell anything, that is going to be true for most as well. You can't make someone work once they sign up. For those who have jobs, doing this business, no matter how beneficial in the long run, is something most just will not bring themselves to do.

Many if not most, seem to keep their membership though, because although they didn't actually get started, they seem to see the value of the service.

That is of course except for those who only joined because of big money dreams.


The trouble as I see it is that too many get in thinking about recruiting. While that is a good way to build a passive income, most people are not good or willing at recruiting. I am one of them.

I have however found that their are many people looking for the service. As I mentioned before, I work from leads and I let the people know exactly what the membership will do for them in relation to their current need.

If it is only going to get them a consultation and then the discount, they know that up front. They also know that they are able to ask specific questions to find out what they can do themselves.

I just received an email from a member who is very happy. She was happy because although the letter did not help, it took her to the next step and the law firm told her exactly what to expect next and what to do in response.

She has qualified advice to get her through her problem, and should she need it and choose to go that route, she will have discounted services.

Again, her choice, just as it is everyone else's as to whether they want or need to service.

Just as the business is not for everyone, neither is the service.

To address the pay, well that was sorta covered above, most don't take the time to work it, so why would they get paid? That's the beauty of the MLM system. Those who work, get paid, and those who don't, don't.

I am not making tons of money, but since I found how to work focused on the customer, I have made as much last month as I did all last year. To be clear, I made as much in PPL income last month as I made in PPL income last year.

This will only compound, and now that I know how, will compound pretty quickly. All my own work and customers, not any down line.

Maybe this will make you more comfortable with the associate to member ratio. But give me a year or two, it will take me time to change that ;)

That is why I put my Skype name up, because I know many new associates read this as well. I am more then happy to point them in the right direction if they need it. It may help them, or it may not. But the info is there.

Tracy

Dave,

You're right, that doesn't mean your ID has been stolen. However when, in your opinion, is it best to get yourself some protection? Before, or after you have been made a victim?

The thing that generally distinguishes our service from the rest is that in one package, you get the monitoring as well as the restoration services.

The great thing about it is that you have a choice. You can use our service, you can use another service, or you can do it on your own. But that is pretty much true of everything else out there in this world.

For example, I have a background in restaurants. I can make my favorite dishes should I choose to do so and have the same experience (as far as taste) at home as I would in a restaurant. However I prefer to actually go out and pay someone else to do it for me. I'm a bit on the lazy side so not needing to do all the grunt work is a benefit I am willing to pay for.

Now I am sure you are aware that I can go out and pay more for one meal for my wife and I then I would pay for a whole year worth of this service and many would not blink an eye. Yet people continue to come here and question the value of paying for a service that can save them plenty of time and potentially money.

By the way, I digested that meal already in the time it took me to write this out.

As far as those who get in the business and do not sell anything, that is going to be true for most as well. You can't make someone work once they sign up. For those who have jobs, doing this business, no matter how beneficial in the long run, is something most just will not bring themselves to do.

Many if not most, seem to keep their membership though, because although they didn't actually get started, they seem to see the value of the service.

That is of course except for those who only joined because of big money dreams.


The trouble as I see it is that too many get in thinking about recruiting. While that is a good way to build a passive income, most people are not good or willing at recruiting. I am one of them.

I have however found that their are many people looking for the service. As I mentioned before, I work from leads and I let the people know exactly what the membership will do for them in relation to their current need.

If it is only going to get them a consultation and then the discount, they know that up front. They also know that they are able to ask specific questions to find out what they can do themselves.

I just received an email from a member who is very happy. She was happy because although the letter did not help, it took her to the next step and the law firm told her exactly what to expect next and what to do in response.

She has qualified advice to get her through her problem, and should she need it and choose to go that route, she will have discounted services.

Again, her choice, just as it is everyone else's as to whether they want or need to service.

Just as the business is not for everyone, neither is the service.

To address the pay, well that was sorta covered above, most don't take the time to work it, so why would they get paid? That's the beauty of the MLM system. Those who work, get paid, and those who don't, don't.

I am not making tons of money, but since I found how to work focused on the customer, I have made as much last month as I did all last year. To be clear, I made as much in PPL income last month as I made in PPL income last year.

This will only compound, and now that I know how, will compound pretty quickly. All my own work and customers, not any down line.

Maybe this will make you more comfortable with the associate to member ratio. But give me a year or two, it will take me time to change that ;)

That is why I put my Skype name up, because I know many new associates read this as well. I am more then happy to point them in the right direction if they need it. It may help them, or it may not. But the info is there.

Tracy

I have to laugh as I read many of these postings claiming that Prepaid Legal is a rip off, both the business and the membership.

I wish I could dispel much of the angry rubbish that is being strewn about, but hey there will always be folks who complain. That's just what they do.

Here's my view. If you think that you are going to start your own business and then sit back and watch the money roll in as you sip margaritas and swing in your hammock, then you are dreaming. Starting any business takes hard work, determination and an investment of time and money. If you aren't willing to do that, then fine go get a job, but don't blame the company for your failure. Stop pointing the finger and start jerking the thumb.

As far as the membership goes...again a bunch of folks complaining wanting something for nothing.
Do you expect to use your medical insurance for brain surgery and not have to pay anything out of pocket? Please people, come on. The membership covers most preventive legal services under the membership for no extra cost. In some states trial services are covered as well. Anyone who thinks that anything will cover them entirely for every thing under the sun again is dreaming.

The service works great for most things and has helped my wife and I out many times. If I needed to hire an attorney, I would expect to have to pay for one and I would feel better knowing I was using a good lawyer and getting a discount instead of using my uncle Bob or the guy out of the phone book.

Tracey stated" In the last several months millions of ID's have been stolen. 17 (or 27) million at one time if I remember correctly."

Just because that information from a company was stolen does not mean that an ID theft has occured against you. If it did then you should be able to sue that company.

All it means is that the information was obtained not used yet.

Furthermore, as we look at this from the company 10K.

"However, a substantial number of vested associates do not continue to market the Membership, as they are not required to do so in order to continue to be vested. During 2005, we had 103,248 sales associates who personally sold at least one Membership, of which 61,238 (59%) made first time sales. During 2004 and 2003 we had 79,716 and 84,207 sales associates producing at least one Membership sale, respectively, of which 41,699 (52%) and 45,920 (55%), respectively, made first time sales. During 2005, we had 11,221 sales associates who personally sold more than ten Memberships compared to 9,895 and 10,685 in 2004 and 2003, respectively. A substantial number of our sales associates market our Memberships on a part-time basis only. For the year 2005, new sales associates enrolled increased 125% to 242,223 with an average enrollment fee of $57 from the 107,552 enrolled in 2004 with an average enrollment fee of $142."

If this is true. They is it for the most part a buisness opprotunity. I have seen some posters here make claims of incomes for instance 700$ a month by one person. This would be at more than one sale a month atleast. So, what I am being told is that the people on this board are part of the 11,221 sales associates who personally sold more than ten Memberships in 2005? Who knows.

Tracey stated" In the last several months millions of ID's have been stolen. 17 (or 27) million at one time if I remember correctly."

Just because that information from a company was stolen does not mean that an ID theft has occured against you. If it did then you should be able to sue that company.

All it means is that the information was obtained not used yet.

Furthermore, as we look at this from the company 10K.

"However, a substantial number of vested associates do not continue to market the Membership, as they are not required to do so in order to continue to be vested. During 2005, we had 103,248 sales associates who personally sold at least one Membership, of which 61,238 (59%) made first time sales. During 2004 and 2003 we had 79,716 and 84,207 sales associates producing at least one Membership sale, respectively, of which 41,699 (52%) and 45,920 (55%), respectively, made first time sales. During 2005, we had 11,221 sales associates who personally sold more than ten Memberships compared to 9,895 and 10,685 in 2004 and 2003, respectively. A substantial number of our sales associates market our Memberships on a part-time basis only. For the year 2005, new sales associates enrolled increased 125% to 242,223 with an average enrollment fee of $57 from the 107,552 enrolled in 2004 with an average enrollment fee of $142."

If this is true. They is it for the most part a buisness opprotunity. I have seen some posters here make claims of incomes for instance 700$ a month by one person. This would be at more than one sale a month atleast. So, what I am being told is that the people on this board are part of the 11,221 sales associates who personally sold more than ten Memberships in 2005? Who knows.

Tracey stated" In the last several months millions of ID's have been stolen. 17 (or 27) million at one time if I remember correctly."

Just because that information from a company was stolen does not mean that an ID theft has occured against you. If it did then you should be able to sue that company.

All it means is that the information was obtained not used yet.

Furthermore, as we look at this from the company 10K.

"However, a substantial number of vested associates do not continue to market the Membership, as they are not required to do so in order to continue to be vested. During 2005, we had 103,248 sales associates who personally sold at least one Membership, of which 61,238 (59%) made first time sales. During 2004 and 2003 we had 79,716 and 84,207 sales associates producing at least one Membership sale, respectively, of which 41,699 (52%) and 45,920 (55%), respectively, made first time sales. During 2005, we had 11,221 sales associates who personally sold more than ten Memberships compared to 9,895 and 10,685 in 2004 and 2003, respectively. A substantial number of our sales associates market our Memberships on a part-time basis only. For the year 2005, new sales associates enrolled increased 125% to 242,223 with an average enrollment fee of $57 from the 107,552 enrolled in 2004 with an average enrollment fee of $142."

If this is true. They is it for the most part a buisness opprotunity. I have seen some posters here make claims of incomes for instance 700$ a month by one person. This would be at more than one sale a month atleast. So, what I am being told is that the people on this board are part of the 11,221 sales associates who personally sold more than ten Memberships in 2005? Who knows.

While I have checked into this service, I wonder to myself what if I have to go to court. What will I be paying and an I afford it.

For instance, if I want to go further than a letter that is written to someone and I have to take action in court.

Can I myself or anyone reading this afford the $100.00 or more an hour plus the retainer downpayment for attorney to even begin to work for you.

Letters can only get you so far. Then there is the thought to myself. If I stop using attorneys to write a letter to places where I could accomplish this all myself I would save 26$ a month. For instace the faulty reporting of a credit card. There are laws in place to make them report the correct info.

It just kind of makes me wonder what the... when I read stories that I used the pre-paid attorney to do "X" when you could have done it yourself for free. An attorney is a big step and should be your last resort not a first.

Further more. Pre-Paid legal wants consumers to belive that many people are spending countless hours on taking care of ID theft.

First, they are using a 2003 statistics. Which is from a survey of a few hundred people whom had some bad situations that were extreem.

there are newer recent serveys from Javelin strategies that can be found on the web or ordered from them that continue a survey of people. These numbers show that most people do not have no expense and if there is one it is very small. The information contained in the survey is very interesting.

What you are paying for with the ID theft is 2 things a credit monitoring service which is not a service that is a one of a kind as pre-paid feels it is. And also a service that you fill out a power of attorney to pay someone else to manage your case of ID theft. So instead of you spending the time if any needed to call your credit cards etc. Then they do it all for you. They call everywhere and also they do some other checks trying make sure your ID was not compromised.

There are many companies that noww provide the same services together as pre-paid does. So they are not a one of a kind.

Feel free to Skype me at questarthews and I will see if I can answer any questions you may have or point you in a direction that can help. Don't worry, I won't try to recruit you, but I may be able to help you decide.

As you see, this company isn't for everyone, but for those who are serious, and enjoy helping others, it can be great.

As for the above point about stealing your sale LaMonte, they cannot steal something you were not entitled to. Now once they put that customer under the correct plan, they should have put her under you.

I have given sales away to people that are not on my team because I am not licensed in their state, but because the customer needed help NOW, it was far better to get them that help then to worry about how I could profit from it.

As far as the cancellation issues, I haven't had those problems. That type of problem does exist in many places, that does not make it a scam. By the way, have you sent in the cancellation form? You may have already said it above, but if not, you may want to ask about it. You generally need to send in a cancellation request.

Good luck.

Tracy

Here we go again... I have writing Pre-Paid for almost 3 months trying to cancel the service but they still steal money off my account. I will close the account to stop this maddness and I will continue to expose Pre Paid for the Scam it is.

If Pre paid is doing so well the why steal money from my account each month? Why steal money for my other members who quit the services? Who can challege me on this?

I am been an assoicate with this fake company for over two years and now that I want to leave it alone they resort to stealing from my account. Thanks Pre-Paid Legal (I mean Illegal). They even have the nerve to charge me for the web service I can no longer use.

To hell with this fake company, I regret EVER doing business with them. I will tell each and every person I know about the and the dirt that they do not what people to know about them. Every month they steal from me I will post another story about the shady pratices.

So here's my first story... I signed up a member in california with a ID Theft Shield and Expanded Family Plan. She signed up on my web site but she accidently pressed the Business plan while signing up. Simple mistake right... How about a lady at the home office stole my sale because I was did not have my buisness plan license at the time.

I did not even know that home office employees can be assoicates, but I found out the hard way. Even after I complained I only got credit for the ID theft membership. I should have follow my first mind and walked away then.

Pre Paid is a company that is so deperate to stay afloat that they will steal money off your account. Think I am lying... quit the membership and see what happens... EVERY month I will post more stories until they quit stealing from me. Selling a fake dream and stealing money from members right? What a waste of 6,000+ dollars!!!

I stopped by tonight to check out RoR view of PPL.

I have recently been offered an opportunity.
I am not new to Network Marketing or MLM. Been there done that and never spent more than I could afford. Never made much either.
One thing I will say is this, all the tongue lashing going on in here has not helped me make a decision at all. I feel I know a little more about the company and feel a less naive about it all. However I also see something going on here. Jay and Tim - I think you both spend way too much time in RoR trying to convince who knows who about who knows what! State what facts there are to be stated and GIVE IT UP!
Jay it's awesome that you have so much confidence in PPL, but think of the energy you are wasting arguing with Tim, you could be using it make a sale!

Tim - It's pretty obvious you like to argue as well. What exactly is your argument?
Are you or are you not for PPL? If you are good go make some sales focus on making money and you may actually do it, if not move on and forget about it !

As for anyone else (that means not JAY OR TIM )
if you can say anything to help me make up my mind to join or not to join , please do.

I do understand the amount of work and money you must invest in this type of work. I am more than willing to do this. I just want to know, if you are willing to work will you make money?
The area I live in is very limited in work unless you are satisfied with evenings at McD's and with children to raise that just is not acceptable to me, so would I be wrong to at least give this a shot.

Sincerely,
Jennifer

P.S. Thanks for the hours of reading material Jay and Tim.

I recently signed up with the expanded family plan and used it to my benefit within the first 7 days. The problem I had was resolved thanks to the provider law firm in Texas. Also, I took an intrest in the company and signed up to be an independent assc. I do have a full time job working for the State and do not plan to become rich from ppl nor replace the income from my job. However, its not like you pay a yearly fee to be an assc. The initial fee is only $49.00 and if you CHOOSE to have e-service with a website, then you pay $19.99 a month. Your looking at $70.00 for every plan you sell. What are you selling? Mostly, a piece of mind, which in many cases, thats all people need. With the will, Identity protection, and just to be able to speak to an attorney for a legal question is worth $30 bucks a month if you asked me. You will spend more than that on fancy starbucks coffe, tobacco products, alcohol, ect.. So are you WASTING money? The answer is no. Are you "Ripping people off" by selling then a legal plan? NO. There is always small print in any agreement, and Prepaid Legal is no different than any other coverage, regardless of insurance or not. Have you ever read the small print on your automobile insurance, OMG... or how about you cant even go to the dentist today without signing 15 releases just to have simple work performed on your teeth. Do you read them or just sign with the yellow highlighter is? So before you speak badly of the Co. Think about it.

I am glad to hear of your current success.

I would be interested in hearing about what you did as an associate though. I am wondering what you did for marketing in particular. That seems like a very high amount to spend.

If you would like to talk some time my Skype is questarthews :)

I am glad to hear of your current success.

I would be interested in hearing about what you did as an associate though. I am wondering what you did for marketing in particular. That seems like a very high amount to spend.

If you would like to talk some time my Skype is questarthews :)

I am glad to hear of your current success.

I would be interested in hearing about what you did as an associate though. I am wondering what you did for marketing in particular. That seems like a very high amount to spend.

If you would like to talk some time my Skype is questarthews :)

I am glad to hear of your current success.

I would be interested in hearing about what you did as an associate though. I am wondering what you did for marketing in particular. That seems like a very high amount to spend.

If you would like to talk some time my Skype is questarthews :)

Well let me add my two cents in. I have been an independent associate with PPLSI for over two years now. I made Director in less than two months and had 50 associates in 5 states. However I have spent $12000 and only made $6000, Most of my members have cancelled their agreements and my teams are toast. Plus it has put a serious strain on my marriage but I have to accept some the responsibility for that. I placed PPLSI above my family for over a year and it almost cost me them. That is my mistake though not PPLSI.

I have learned a great deal however I like PPLSI services but the marketing has too much negative focus to make it work for me. But let me back up a moment. I heard someone speaking negative on Robert K. but I can't see why. I read Rich Dad Poor Dad back in 2000 and it changed my life forever.

After I read that book I started a day care center (Still in business by the way), went back to school and got a B.S. Management and I am pursuing my dual masters, I have also formed a self-defense company. All this was inspired my one book. I could care less if Robert K. is the biggest scam artist in the world he was able give me in one book what no one has given me in 32 years A vision and a plan to make it happen.

So I have most of his books and games and I will teach my children the financial lessons I never learned as a child. I even changed my job in the army to finance and I am getting my commission as an officer soon. You never know how a book can change you until you read it.

Now back to PPLSI, I have experienced good and evil people with it like all things I guess. But I am walking away for this reason I want to do it my way!!! I will not ask thousands of people to for a membership. I will surround myself with other people like me who want more of from this life than a paycheck. Plus PPLSI does have a problem with overcharging people who wish to cancel the membership.

Many of my members have complained to me about it. And it just happened to me when I wanted to cancel the E Service; they ignored my two letters asking for canceling the service. Then when I threaten to block it they charged me twice for it! Sorry but that is a deal breaker for me. I would have kept the membership and the ID theft plan but I will not deal with people stealing for my account. So I hope that 19.95 was worth the loss of the membership.

With that said people you must decide what is best for you. I knew that PPLSI was just a stepping-stone to get me closer to my dream. For some PPLSI is the dream and that is okay. But I have to know if I can do it on my own and in my own way. Beat wishes to all of you and may you have massive success in all that you do.

La Monte

I must say, I agree with some of what you wrote.

In particular the bit about sophomoric responses made by some of PPL's Associates.

However, just because PPL has some people who respond or hold themselves in a less then professional manner does not make PPL a scam.

Neither does saying it is.

I myself joined about 10 months ago as a customer. A few weeks later, I joined as an associate. About 3 months later I gave up temporarily. I found I was not able to do business as I was trained to do (lack of warm market due to living overseas most of the last 13 years) and was not good at the belly to belly approach.

However, once I got myself settled (and during this time as well), I began researching other avenues of conducting my business. I found that you do not need to recruit to make money, although that is definitely one way. I found ways to sell the membership from my home, as well as recruit from my home.

Do I make a lot of money? Not yet, but I do make enough that I supplement what my wife does not make. And this is done primarily through memberships sales.

Does the amount of money matter to the person I bring in to the business? No. They can make more then me, so my income means nothing.

In the time I have been with PPL, I have run across several happy customers (people I have actually spoken with) and only one unhappy. That person was not unhappy with the service, he just stated that he never used it. Is that PPL's fault? He never even filled out his will.

At any rate, there are many happy customers, and many happy associates.

The trouble with this business is that anyone can get in. It costs very little, and the standards are pretty low. That means you will get many people jumping in for a quick easy buck, but when they find they actually have to work for it, all of a sudden it is no longer such an appealing idea.

They did not get a winning lottery ticket. Does that make PPL a scam? I don't think so.

The problem with what you wrote, is that you made a blanket statement regarding something you have no first hand knowledge of, and passed it off as fact. That, in my opinion, is just as bad as those associates who ranted and raved, and conducted themselves in a very unprofessional way.

That's a real problem, because they (and you) cause some people to overlook the very valid, and professional viewpoints of the other associates that came here to try and clear some of the misconceptions up.

Pre Paid Legal offers a legit service, that can help a lot of people. They offer a way for others to make a living at home. That does not mean that the service, or the business is for everyone, but the fact that it is not for everyone, does not make it a scam.

By the way, in the short time I have been with PPL, I have met people who make more then the people who brought them in. They can do this because they work harder then the person who brought them in, and passed them up.

That is not possible in a pyramid.

A couple of my friends got involved in PPL a few years back. I let them sell me their pitch and politely declined. If anything is more dependant on getting more independent distributors than actually selling the product then it's not hard to tell what it is. It is looks like a pyramid scheme...you get the picture. References to stocks are quite irrelevant too.

I feel bad for people who buy into the dream of working for themselves when in fact they are working to get people above them rich, more so than in a salary paying company.

Also you associates might want to mind your manners on here as you are not representing yourself in the image of a legitimate company by attacking (sophmorically) anyone who disagrees with PPL. It exposes the associates for what they really are...uneducated, greedy, lazy, ignorant and frustrated people obsessed with the visions of cars and money and like to use other people's success stories as validation for shady operating procedures.

Oh but I forgot, you like to help people right? That's why you're doing this...not to make fast money. Well then I guess that makes mine and everyone else's accomplishments and goals in life inferior to any associate who gets involved in a company that "has the # 1 stock", "has millionaire" etc., when in fact associates require no credentials and actual legitimate work.

Guys like the Navy E-5 (why would you put your pay grade when military service has nothing to do with this argument and as a military member you should never attach your title in endorsement of anything without a disclaimer?? Come on, you should know that. I was in the military too, and I wouldn't be bragging about an E-5 grade) endorse it as well as Jay from California...it's a good idea to throw your money away I guess.

By the way, I KNEW about 15 people that were all about PPL...and guess where they are now???? Jail, Military, Other Jobs BESIDES PPL. Why??? Because it's a scam. Why else would associates have to unveil their earnings to get people to sign up? Because people respond to getting money and that is the only leg they stand on.

Other companies (who have actual hiring procedures) wouldn't have the boss or whoever tell you how much he makes and how many cars he has to get you on board.

You are assigned to a particular lawfirm. That is who you call whenever you have a question, or need representation.

If for some reason that lawfirm cannot handle your case you are reffered to another lawfirm by your provider lawfirm.

They send you to whoever is best able to represent you within their network of lawfirms.

You are assigned to a particular lawfirm. That is who you call whenever you have a question, or need representation.

If for some reason that lawfirm cannot handle your case you are reffered to another lawfirm by your provider lawfirm.

They send you to whoever is best able to represent you within their network of lawfirms.

You are assigned to a particular lawfirm. That is who you call whenever you have a question, or need representation.

If for some reason that lawfirm cannot handle your case you are reffered to another lawfirm by your provider lawfirm.

They send you to whoever is best able to represent you within their network of lawfirms.

You are assigned to a particular lawfirm. That is who you call whenever you have a question, or need representation.

If for some reason that lawfirm cannot handle your case you are reffered to another lawfirm by your provider lawfirm.

They send you to whoever is best able to represent you within their network of lawfirms.

Tim,

You may be 100% right. I'm just stepping back and just looking at it on the face of it; more of a logical approach rather than a legal approach.

Kinda like Real Estate and Mortgages. As a Realtor in the state of Fla, if you are recomending a mortgage company such as an inhouse one where the company stands to make $$$, it just merely has to be disclosed. Or if you recomend to someone who is in return paying you, which would be illegal, but hypothetically, you have to disclose it to the customer.

On a side note, during the day, I work in the court system in Florida as a Court Reporter in criminal court. A defendant, unrepresented at the moment approaches and when asked if he was going to get an attorney, he said yes, he has pre paid legal. Judge too the not guilty plea, he left and we went off the record and all the attorneys who were in there had a big laugh. Basically calling it a joke. Now, I think they may have been directing the comments towards the law firm that PPL uses down here as opposed to the service itself, but it had made me think.

As far as a sponsor goes, I am involved in the pro. wrestling community and there are some past workers on a team that I will be joining up with if and when I do, but thanks for the offer.

It is an expensive business to have down here in Florida as far as the licensing and what not.

Best of Luck to all.

Hi Judith,

If you use Skype, could you send me the link?

PPL is supposed to approve ALL sites having anything to do with them, however that doesn't always happen.

I am sure if you were to look at official company sites you would get another opinion of them. The problem is, there are so many associates out there doing their own thing, unless it is brought to corporates attention, almost anything can happen.

Again, if you would like to talk, feel free to Skype me. I will not try to recruit you, but it would be much easier to help you in somewhat more real time.

I cannot post my phone number or email (I don't think) so again, my Skype name is questarthews if you are interested.

I would hate for you to pass up a good thing because of some well intentioned, but miss-informed associate scares you off.

I requested to visit the (or a) Pre-Paid Legal training site even though I'm not an Assoc. yet just to see if this was something I felt was easy to understand, easy to duplicate, a site I could pass on to others without hestitation.

I realize that when you're blogging and typing fast you can easily misspell words. But when a training site and especially the phone scripts, have terrible grammar, punctuation and spelling I lose respect. There is no excuse for this from supposed professionals and it actually makes me mad. What makes me even more mad is the fact that these people who can't seem to speak their own language, have a monthly income that exceeds my annual income with a college degree.

In anybody's opinion, should I just ignore this sloppy communication when it quite frankly embarrasses me? (It drops the image of Pre-Paid Legal from classy, the way you might think of any reputatable legal service, to a shoddy, careless, fast-bucks, slap-it-together type of opportunity. What a shame.)

I would be embarrassed to have an intelligent person read the training site and ESPECIALLY the phone script. (it advises you to develop an emotional "report" with your prospect... instead of the correct word which is "rapport" with a silent "t" at the end. There is no such thing as an emotional report, do-do head. What are you supposed to do? Ask the prospect to "report" to you their feelings so you can write each of them down and send them in to the company? Paleeeze!)

PLUS, this training site is absolutely FILLED with advertising! Yeah, like that's real helpful (a total distraction) when you're first starting out. Just what I need. To get distracted by a bunch of online ads while I'm trying to learn a brand new business. Very poor taste, in my opinion, and very opportunistic. I'm sure those spots sell for a pretty penny. But they make it very difficult to navigate the site and zero in on just what you need to get trained. Amazing.

I liked the concept of PPL in the beginning. But checking out the training has me scratching my head. I've encountered this same phenomenon in a couple of other opportunities online. I just wonder. Are the people making the big bux generally uneducated? Are they just street smart and know how to turn a buck, but don't ask them to write a letter...? Are they corporate flunkies because of their atrocious communication skills, drop out of the so-called real world and come to the internet because it's the only place they can survive? Just ask them to sell something, and boom, they can sell vacuum cleaner bags at the North Pole--with no vacuum in site? I'm beginning to wonder.

BTW, I'm no genius, OK? But at least I know what a rapport is! If pointed in the right direction, I think I could quickly pick up skills such as: how to build a landing page, how to create effective sales promotions and letters, etc. I have a great imagination and given the right tools and opportunity I think I could do very well. Should I just go with PPL while holding my nose at the nasty training site... make the big bux myself, and then do something creative with it later? Just because other sales people don't speak English, should I let that stand in my way?

Have you done/are you doing something, part of which embarrasses or irritates you, deep down where you don't want to think about it, but you keep on cuz it pays well?

A question for PPL Associates: Is the PPL attorney supposed to be located in the nearest geographical area of the member? How does that work? Is the member offered more than one option or are members specifically assigned to a particular PPL atty or law firm? Thanks for responding, somebody! : )

Judith,

Although I do believe the results quoted are possible, I cannot personaly confirm it.

If that size of a team is working, then you should be able to get those numbers.

Some of the other info is wrong or misunderstood though.

Your first 5 memberships do not "go to the house".

You get paid (I'm not going to quote numbers here) for each sale you make no matter what level you are at. The only thing is, you need to get a few membership sales to get paid in advance. Until then, you are paid as earned, and they will only pay you as you make a certain amount (I think $75).

It sounds as if your potential upline wants you to make 5 full membership sales (PPL and IDT) which will get you promoted to manager and get you about 65% of the full commissions paid on a membership.

But, you can get there quicker if you recruit. Recruit 3 associates and you make manager. This gets you more commission for those same 5 sales, but gets your upline less.

The lead program he is reffering to must be from his own team, as PPL does NOT provide them for you.

You can purchase both membership leads and business opp. leads from various sources though.

My Skype name is questarthews, if you would like to talk.

Good luck in your business.

A few days ago a letter popped into my email. It was a sales letter describing the pay scale for people who may enjoy phone sales. The money looked decent so I phoned the person back and left a message. When he called back and left me a message he referred me to his Upline for further details in case I couldn't catch him. He is east coast, and I'm on the west coast so that was understandable; his Upline is also on the west coast.

So I called his Upline to ask for more details. Specificially I wanted to know what the conversion statistics are. That is, out of 10 people I call, how many will buy and how many of those will stay with the service for one year. That is important to me because I want to be able to gauge how successful I will need to be to reach a certain income goal. The stats were somewhat daunting unless you're willing to treat this strictly as a numbers game. Two out of every ten will join and one of them has a high probability of dropping off. So 1 out of 10 is a sure-bet. So then the question is: is it worth it to me financially to give 10 people a call... in order to make a sale?

In the beginning the answer is no. If it were a $1000 sale the answer would be yes but it's not. The first five sales, in fact, go to the house. That is, you don't get to keep any of the money. The next set of sales pay over $100; then there are advancements.

What astonished me was this: right now I belong to one of the most successful MLMs out there in terms of pure compensation. My current MLM only requires 340-350 team members to reach 10K/ month. That, in the MLM world, is truly excellent in terms of compensation. Most require 500 plus team members. This Upline fellow I spoke with signed up in August but didn't work this as a biz until September. Wtihin about three months he is already at 10K/mo and only has 130 associates. This floored me completely. I have never heard of this kind of compensation.

My goal is 20K/ in six months. He feels this is more than doable based on his own results coupled with the training he is doing and his availability to speak to anybody I refer to him and get them started. But he let me in on a little strategy he has used to get there and if I were to join, you better believe I would take advantage of it for all it's worth.

I would LOVE to hear from another associate of PPL on this site as to whether 130 associates can indeed get you to that $1oK/month mark. Please confirm that if you are able.

Lastly, he mentioned that there is currently a lead-generation program provided for us (for the sales end which we still have to pay for) but that the business opportunity leads we would have to get creative with ourselves. BUT the first fifteen leads are provided to us free of charge to get the ball rolling in terms of sales... The three hour training online is really about all it takes to get started, he said. Plus, the Monday through Thursday training calls help to understand just what to say when you call a lead who has a legal situation they'd like to resolve.

If this is a solid company providing a valuable service, I would be helping people to help themselves. If the compensation is half of what this guy says it is, I don't understand why I shouldn't strongly consider joining as an Associate. The only hestiation right now is that the conversion statistics are not strong (2 our of 10) and a 50% drop off rate seems awfully high. Nevertheless, results don't lie. I have no reason to believe this gentleman on the west coast is lying. Not that people don't lie. But it does not pay to lie in business because it always comes back to bite you in the end (no pun intended.) It's stupid-- It ALWAYS catches up to you. In which case his profits are extremely short-lived.

If I join, I'll post my progress. So far, the negative posts do not seem substantive enough to dissuade me.

For Dave RE: Chargebacks.

It's great you bring that up because it is an important thing for new (and old) associates to think about.

50% dropping out by years end is a large number and can be offset in several ways, some of which are not really discussed by a persons upline because I don't think they are aware of them.

To start with, every event/training I have been to, it is stressed to UNDER sell the membership. Unfortunately too many people either do not get themselves properly informed before selling it, or are just looking for the quick buck. Let the tools do the job if ned be.

Second, follow up with your members and encourage them to use it. Even if it just means having them fill out the free will. It has been shown retention goes up to around 78% for those who do this. Any additional use only builds the retention.

Fourth, most people know you can choose advance commissions and as earned commissions. What most do NOT know, is that you can use a combination of that same thing. For example, you can get say 50% up front, and after 6 months, you will be paid the remaining commissions as earned. This will do away with most chargebacks that may still happen, and will in effect create a residual income for the business you still have on the books after the up front commissions have been paid.

Another option is to choose the 3 year pay plan which effectively spreads the chargebacks over 3 years rather then all at once. The best bet, in my opinion is to put good business on the books first, follow up with members and encourage them to use the service, and of course choose the partial pay option.

For those people I sign up as associates who are doing it part time and can afford it, I will be encouraging them to do that.

One more point about the 50% dropout bit. That is at the 12 month point. Meaning thatyou are not neccessarily getting 50% charged back, but a portion of that depending on what point the member dropped out. It is still a chargeback either way, and should be avoided whenever possible, but I wanted to throw that in there.

This is also something done in any career that pays advance commissions such as insurence BTW. Not sure if this has been mentioned in this thread, I can't remember. But it is not something that only PPL has to worry about.

As far as the ID Theft numbers being from 2003 and out iof date, I am not sure what site you were refering to, however there is no way it could have gone down. In the last several months millions of ID's have been stolen. 17 (or 27) million at one time if I remember correctly.

Although more people are becoming aware of it, it is only getting worse.

I'm with you on the DUI thing though. Don't understand that one.

@ Tim,

I am not very literate in the law so really cannot comment further on the legalities of lawyers being associates, but it would seem to me that if there was a problem, PPL would have had to dis-allow this by now.

Of course for all I know, the lawyers could very well no longer be practicing, but leave that pasrt out of their story.

I know one of our local Executive Directors used to be a lawyer, but stopped after 12 years when she had kids. She went to PPL instead and has become very successful. Of course how could you not, with a story like that :)

@ Steven

Good luck with your decision. I am working with a few potential associates in Florida right now. So far they are all people who will be new to NM, so are taking their time deciding. I keep finding people there but have not gotten myself licensed, so will be passing all my Florida business to whoever I sign up there. I can live with the overrides while helping to build their busness as well :)

Steven, I am an attorney, and I had to pass a rather rigorous examination regarding the rules I'm speaking of before I was admitted to practice.

Disclosure is but one facet of attorney advertising. There are a host of other interests implicated. One thing that we REALLY look out for in this profession is the "appearance of impropriety." Something that may seem harmless at first blush and to a layman could turn out to be embarassing down the road. So, in formulating the rules, the drafters thought of the indirect effects of certain activities.

You state that the attorney is selling the membership, not the provider attorney. This is a fallacy, however, because the membership inherently refers the client to a particular law office. So, even as there is a step in the middle, the attorney is pragmatically taking money in return for referring clients to another lawyer, which is a big no-no.

If someone could lead me to an actual attorney who works a PPL gig, and if that attorney could effectively rebut my presumptions, then I will concede my error. But as of yet, I haven't seen it. So I have to assume that the "attorneys as associates" assertion is a lie OR that, if there are attorneys acting as associates, that they are in violation of the rules of professional conduct.

Tim,

It's about DISCLOSURE. An atty could be a rep for pre paid legal and sell the membership and it is legit. You are selling a service, not another atty.

I am not an atty, I am not a seller of Pre Paid, I have been in Network Marketing for over 10 years, but not currently.

Pre Paid is one of the better companies out there.

I have and am still considering it. Check out the team of the person introducing you. Don't make a snap decision as far as the business end of it.

Go to a meeting as a guest and meet people that are doing things right and learn from them. If you are not getting the help from your team leaders, call PPL up and ask to be put on a different team for the support.

In regards to the "attorneys as associates" issue, Tracy stated above:

"I believe it is ok simply because although the lawyer is an assoiciate, the lawyer is not a PPL provider lawyer. Meaning that if the lawyer/associate signs someone up as a member, they will benefit financialy from the associate commission, but cannot also benefit from being assigned that member as a future customer."

This is a very well-reasoned repsonse, but it actually implicates another rule that would probably forbid such activity: lawyers aren't allowed to gain financially by referring a client to another lawyer.

Even if the lawyer/associate isn't soliciting clients for himself, he is still receiving a financial benefit for referring a client to another lawyer, which violates the rules of professional conduct.

And I think you would also still run into trouble with the advertising restrictions, even as you are not soliciting clients for yourself.

The bottom line is that the ability of lawyers to advertise, solicit, and refer is extremely restricted, and I can't fathom how the restrictions could square with a PPL gig.

And the reason why that's relevant at all is because PPL claims to have lawyers as associates, and there have been associates in this thread who claim to be lawyers. Potential clients and associates look at this as an endorsement of the opportunity or the product by the legal community. But, given my understanding of the rules of professional conduct, such an endorsement would be highly inappropriate.

Susan,
This morning I called Pre-paid Legal. First thing is that it great that people say they are associates but they never give their full name and contact info when defending the company.

I called and asked if a DUI would be covered they said yes but only under the classification of using the title 5 where you have to pay all your attorney fees etc at a discounted cost.

I am not sure how it is your husband received full representation free from an attorney from PPLSI. Some how his charge must had been changed from being a DUI from the police department.

You tell people a story about you this when your story is questionable when it is lacking details.

Allory,
I never discourage anyone from getting a credit report or monitoring service that is something good to get. Please point it out to me where I said one should not get the monitoring service. Credit Cards are not the end all to ID theft. What I did say is that the credit card companies the ones that are reporting falsely onto your report have the responsibility to correct the information that that are reporting and report correct info to the credit reporting agencies once you tell them the debt is not yours and you sign the legal affidavit saying you are telling the truth.

Susan,

One of the largest troubles with PPLSI is that within the first year 50% of all your sales will quit by the years end. So if you can not really for about a year out say your of your
Commission is clear because it is not. You will have a 50% chargeback. I know this is not all 50% for one person but 50% across the entire board of associates that have made sales. So some people might have no charge backs while some will have many.

Also Susan the website has out of date ID theft numbers. Those statistics are from a 2003 survey. The numbers have gone down actually. So, your husband had a DUI and he paid no costs? How is that possible when in exclusions it says the following:


Trial Defense Services: This coverage applies only to the named member and spouse. Divorce, separation, annulment, child custody or other divorce-related matters, bankruptcy, charges of DUI/DWI, drug-related matters (whether prescribed or not), hit and run, leaving the scene of an accident and civil or criminal charges occurring as a result of operating a commercial vehicles with more than two axles are not covered under this benefit, but are covered by the preferred member discount

Motor Vehicle Legal Services: Pre-existing conditions, charges of DUI/DWI related matters, drug-related matters, hit-and-run related charges, leaving the scene of an accident, and unmeritorious cases are excluded.
Preferred Member Discount: Depending on your legal needs, a retainer may be required by your Provider Law Firm prior to services being rendered under this discount. Your Provider Law Firm is responsible for determining the amount of the retainer and any other anticipated costs. Other costs you may incur include fines, court costs, penalties, expert witness fees, bonds, bail bonds, and any out-of-pocket expenses. These costs are your responsibility and are not included as part of membership benefits. Your Provider Law Firm cannot provide any legal services until payment of the retainer and other costs have been made. If you need representation in court, you must notify your Provider Law Firm at least five business days in advance so they may prepare for your case.
Please inform us about how you had no cost for defending his dui cost.

PPL is for people that really want to have their own business helping people with legal issues and work at making it a ssuccess. Most people when they look for a business they can work from home are looking for a get rich fast opportunity.You just don't sit back and think the money is going to roll in on it's own it takes hard work and determination to to get up the latter. I've been in PrePaid Legal as a member and an associate for 5 years now and love it. As for the stay at home mom that is disapointed with PPL I will help you and I am not even in your upline. The person that got you in should have helped you get started.

It's not to my surprise they didn't some get in and think all they have to do is recruit and sell memberships but that is not how it works. When you recruit someone you are suppose to help them start their business. I feel sorry for you that they didn't but don't give up. My membership alone has saved my husbands butt 3 times with a dui no court cost, fine or jail time which I myself thought he should have got to be that stupid and drive in his line of work. He swears by it now he has CDL's to protect. As for training there are sizzle calls and a new web site that does all the work for you.

The only material I buy are the magizines which speak for themself. If you or anyone else that needs help email me and I will be more then happy to help in anyway I can.

Dave
On one hand you say we are the guardians of our good names, then you discourage people from monitoring their own credit reports. How does that work in your world?

Don't you think credit monitoring is a tool that enables consumers to be proactive in their own credit health? It is obvious that you have a very narrow perspective on the subject of ID Theft.

You keep alluding to Credit Cards as if they were the end all be all of ID Theft. In fact the majority of ID Theft does not involve credit cards. I know in my case it constituted less than 30% of the fraudulant listings on my credit reports.

All that being said, I'm sure you will not budge one inch on your perspective. My sole purpose was to perhaps add a different point of view, one that comes with real life experience.

Allory,
I have never had my identity stolen. All three credit agencies do operate individually you are correct. The only person you Have to really talk to in the case that your ID was stolen is the original credit company to In which you have a true debt owed to.

Any other company IMHO can figure it all out themselves and I am not showing up to court nor would stand to be harassed after telling Accounts made in my name fraudulently that I am not responsible for them. It is their own responsibility to do their own homework.

The credit card companies themselves Have the responsibility to report the correct information about your account to the credit reporting agencies. Accurate and true information. If they do not do this you can sue the Credit card Company.

If you owe a balance it is possible your debt could be erased depending on the amount you owe. Those collection Agencies as you state do not care about the law, are the ones I would never talk to.

Actually if they are harassing you that much you could sue them also. Yes this would all be in small claims or a district court. That is where I had one of my cases held that I won with a consumer attorney who did not charge me. A consumer Attorney would take FCRA or a FDCA case for free because the defendant being the other company when they lose will have to pay your attorney the fees due to him.

I am very knowledgeable about this subject and will not stop giving out great truthful advice. Credit cards companies are not the people protecting your good name. But you are. The credit card companies though as I stated have due responsibility to report the correct info about your name and social security number and credit card debts.

Holy crackers Dave. Are you for real? When was the last time you had your identity stolen? I will surmise never would be the answer.

I had my identity stolen in 1999, Guess what? I am STILL dealing with the repercussions. I had my FICO plunge from 722 to a horrific 560 in less than a year. Each of my three credit reports has had to be deal with individually, as they are not mandated by law to exchange information.

Then I had to deal with the OC's as well as the innumerable collection agencies that purchased or were assigned the different fraudulant accounts. I spent the better part of a year dealing with one agency in particular. I had to get the Attorney Generals office involved before they cleared my credit reports of their listing. Yes you are right is stating that creditors are mandated to report factual information.

The funny part is, most collection agencies don't give a rat's butt about the law. You know why? Because the punishiment for violation your rights as a consumer is laughable. There is no punishment! Unless you take them to court, which is usually limited to small claims. They take their chances that most people won't or can't. Even if you win, the compensation is limited.

As for you naive assumption that a consumer Attorney will take your case for free. That is so far beyond the truth, it's delusional. Firstly finding an attorney who specializes in FCRA cases is next to impossible. Secondly if you can find one, they will most certainly not take the case for free.

Please I beg you to stop giving out distorted advice. Educate yourself first about credit reporting law before you cause someone harm with your misguided information.

It is foolish to think that the credit card companies are the guardians of your good name. For your sake I hope you never have to find out how that assumption is simply wrong. Yes I now subscribe to a credit monitoring service. Unless you are very young or have little credit, you'd be suprised as to how many errors you will find on most credit reports. I would suggest credit monitoring even if you haven't been a victim of ID theft. As an aside I am in no way affiliated with PPL. I was here researching their services and felt compelled to comment on this one issue.

As I was looking over the 185 pages of this post. Some to contain my arguements with some others. I see that I am actually more knowledgable since then.

Here are somethings I noticed.

Denise- Mesa AZ.
Her comment "we monitor the entire identity through contracts with the Social security administration, the DMV, and the postal service to make sure no change of address are being submitted for you."
This comment is a false claim. She is the second associate to claim this while talking to me.

Secondly, Public Defenders only defend criminals not people going to civil court. If you are going to court in a civil suit against you that you are being sued for. you will have to find an attorney that will take your case Pro-Bono or one that will take payments.

I am also not sure what people think is an affordable attorney. But here I ask anyone here in this forum to answer this question. Is an attorney charging $100.00 an hour affordable to you?

This is what you would be paying for one with the discount lets say.

Third. Is this insurance or not? In some states you are an insurance angent and in others you are not. This makes no sense to me at all why it is different all over.

Something I said before and will say again about ID Theft is that Credit cards will take care of your credit reporting. Part of the things Credit Card companies do is make you fill out an affidavit saying the claim is true. Then you are dimissed of your charges or a new account if made and the previous charges are in a state of investigation. They are liable for reporting accurate information to credit bureau. If not they can be sued. There are many consumer law attorney who will take your case for free in this case.

more to come...

I just wanted to say that I also had wondered about this as I have seen some lawyers on PPL videos speaking about representing as an associate as well.

I believe it is ok simply because although the lawyer is an assoiciate, the lawyer is not a PPL provider lawyer. Meaning that if the lawyer/associate signs someone up as a member, they will benefit financialy from the associate commission, but cannot also benefit from being assigned that member as a future customer.

Provider lawyers come from one firm (sometimes 2 I believe) in a state who have won the contract with PPL and are the only people getting paid by PPL.

I suppose it is possible that the associate/lawyer could be assigned as the refferal lawyer, but I imagine that PPL would not want to place themselves in a position that could potentialy set them up for that type of conflict.

Those are my thoughts, and I cannot say if they are valid, but that is how I think it works.

Pam, I wanted to touch on a couple of issues that you raised. I found your rebuttal thoughtful and professional, and as a detractor I will try to respond in kind.

First, you eluded to the idea that, as PPL associates are independent contractors rather than employees, PPL is not responsible for their mis-statements.

I couldn't disagree more, and the law does not support your position. The question of whether PPL is responsible for the statements of its associates is answered by agency law, not master-servant (or "employment") law. Whether an associate is an employee vs. an independent contractor has very little bearing on his ability to contractually bind the company.

In terms of torts, the ACTS of an independent contractor are generally not imputed to his master, whereas the ACTS of an employee often are. But when analyzing whether a product lives up to the promises of its seller we look not to the law of torts but to the law of contracts. In that regard, the law isn't concerned with whether the employer had control over the employee/independent contractor, but whether the employee/independent contractor had actual or apparent authority to make the statements at issue.

So the issue isn't whether the associate was under the control of PPL (where the employee vs. independent contractor question would be at issue), but whether the consumer has reason to believe that the associate has the authority to contractually bind the company (where the distinction is pretty much irrelevant).

As the associates have the actual authority to market the product, the law would likely find that they have apparent authority to contractually bind the company, even with the use of unauthorized statements, so long as such statements aren't so absurd as to be unworthy of credence.

And sheer morality and ethics supports this result. PPL is in a FAR better position than the consumer to ensure that it contracts only with associates that won't overstate the quality of the product. PPL chooses to engage in mass, indiscriminate recruiting of its associates, and it must therefore bear the liability that goes hand in hand with such a reckless paradigm.

The second issue I have is with the statement that several attorneys are themselves associates. We saw, several rebuttals ago, an associate who claimed to be an attorney.

However, when I confronted this purported attorney with the fact that the professional rules governing lawyers place severe restrictions on marketing activities, we never heard from him/her again.

All of my colleagues who I have discussed the matter with agree that an attorney who acts as a PPL associate would be in violation of the Model Rules of Professional Conduct (the code that governs the legal profession). And no decent attorney would act as a PPL associate without first checking the rules and, most likely, coming to the same conclusion as me. Furthermore, I haven't been able to get a PPL associate to identify any actual attorneys who are also associates.

So I have to conlude that there aren't really any practicing attorneys acting as PPL associates. Until I see otherwise, I'm sticking to that conclusion. If I do see otherwise, I'd sure like to ask such an attorney how he squares his PPL gig with the Model Rules.

As for the company that filed this report against Pre Paid Legal Services, Inc. - it will go no where as ALL sales associates are Independent Contractors - therefore they are individually responsible for their actions. If the company contacted PPL I can assure you they took actions (probably termination) of this individual. There are strict rules as to what we are allowed to do and it is a very ethical company.

As you can see I said I was an Individual, that is the correct way to respond in this situation. I am not an Employee but and Independent Sales Associate. They have allowed me to represent their products and pay me for sales of such. I am liable for my representation of this company and it's products! I will only make money when I actively inform the public and they purchase a plan! If I sit at home and do nothing, I make nothing. That makes sense to me! I have always received payment immediately without a problem.

As for sales tools, you do not have to spend a ton of money for them. For every sale you are sent 10 items (brochures, etc...)of your choice. Your initial fee pays for the person training you , your materials and the location. Not to mention the startup material so that you can make your money back quickly! It is not free and frankly if people don't have money invested they usually don't put out the effort.

The remarks about Mr. Stonecipher starting this company because he sued someone over an accident is hillarious. If anyone had done their homework they would have seen that he was THE VICTIM in the accident, the other person was cited and yet she decided to sue him which cost him an abundant amount of money! He was innocent and still had to spend money to defend himself!!! I find that scarey! That is why he founded this company, not because HE wanted to sue people. He is a very honest man of the utmost integrity.

PrePaid Legal has many attorneys (now associates) as well as other highly respected politicians that are happy to be involved with PPL.

I am sorry for the single mom. I myself (although not a single mom) had my upline disappear but I went above them and even though I am in Ohio my upliine is now in CA and I can honestly say that she is always available to me! You gave up too soon. I signed someone on that was in MO and she needed support. I called the Associate nearest her and she was glad to help her learn as well as talk to people. I can honestly say this is the first company I have ever sold for that truly has an unbelievable support system in it's associates! I have not met one yet that would turn down helping another associate, especially a new one!

Work is always required for success in any endeavor! It is hard and scarey when you first start out because you are unsure of your own skills but with time and persistence it is the most rewarding job I've had.

As for those that think it's not worth the low monthly fee, your choice. I have personally already saved over $5000.00 thru my membership and that will soon be increasing as I had another incidence that they are handling to get a repair done that should be covered and is being refused.

Good luck to all.

Aaron

I would say that good judgement has everything to do with keeping you out of court. When one moves into court, one gives up (almost all) control. I like to keep control.

I review any situation and reach a conclusion before ever asking the RE attorney about it. If we agree, then I am satisfied. If not, then I will investigate further, and probably make some change in how I proceed to regain comfort.

But it seldom happens that I have an issue to begin with, because it is much more productive for me to spend time and effort looking for clear situations with problems I (personally) am qualified to solve, rather than involve myself in situations with problems that I (personally) am not qualified to solve.

As a side bar, lawyers would generally seem trained to find problems, not solutions. I look for solutions, not problems. And if legal issues could loom on a particular horizon, I usually go another way.

Two chaps just bought a 10A parcel here for almost $500K, but it is only approved for one dock and I had found some other interesting issues that will cost $ to resolve. They want to subdivide into 10 lots with one dock for each lot.

They think they will get the US Corps of Engineers to reclassify some 'yellow' zone (no docks) into 'green' zone (docks allowed if there is room) to support the subdivision plans. Talk about assuming a problem that is (probably) not in their skill set to solve.

You want to understand that the reason the US is in a mess in Iraq is that Bush Jr. and his fellow decision makers were dealing with problems that they (personally) had NO applicable experience to (personally) understand and solve. They relied on advice from others (advisors), but they could not directly discern which advisor had the better advice, which led to cherry picking from the advisor who offered "preferred advice", or was more "liked" or "believed".

I remember the first "Gulf War" when Bush Sr. freed Kuwait but did not proceed against Saddam Husain in Iraq. I commented to friends who HAD considerable experience in that region that I thought Bush Sr. SHOULD HAVE toppled Saddam Husain and they told me I was crazy and that if Bush Sr. did as I thought he should, certain terrible things would happen.

Guess what: Bush Jr. "went in" against Husain and those terrible things predicted to me so long ago did happen. The moral of the story is: Avoid situations you are not directly competent in, rather than assuming you will find advisors to guide you through anything you do not understand.

Using my "creative juices towards finding many ways to put" PPL to good use for "access to answers from all areas of the law" does not compute. First, to utilize that ummm- say $325 in plan cost, I would have to spend ANOTHER $975 for a total of $1300. Gee, that pays for 3 RE deals.... and I have better things to do than try to figure out how I might spend $100/month with lawyers. My time would be consumed, too. So I avoid issues that might give rise to the question: "Can the advise(sic) of an attorney benefit the situation I'm in?"

Besides real estate, I have not "been in any situations" that might need a lawyer for more than 20 years. Beyond that, my memory is fuzzy.

Well, there were three "situations" involving what might be termed "conflicts" but I took care of them. If I had "gone to court" I know of one situation that would probably have gone badly because the individual had "connections". But I can be very creative, so I out maneuvered the problem party and the problem went away. Literally.

I have no interest in the PPL "business" for any reason. Money is not my problem. Time is my problem.

But I did read a PPL Advert-magazine while sitting in a doctor's waiting room, and my impressions were VERY negative. I can recognize bulldroppings when I see them, and if PPL is willing to publish an Advert-magazine full of bulldroppings, then I will not get involved with PPL. It is as simple as that.

Aaron

I would say that good judgement has everything to do with keeping you out of court. When one moves into court, one gives up (almost all) control. I like to keep control.

I review any situation and reach a conclusion before ever asking the RE attorney about it. If we agree, then I am satisfied. If not, then I will investigate further, and probably make some change in how I proceed to regain comfort.

But it seldom happens that I have an issue to begin with, because it is much more productive for me to spend time and effort looking for clear situations with problems I (personally) am qualified to solve, rather than involve myself in situations with problems that I (personally) am not qualified to solve.

As a side bar, lawyers would generally seem trained to find problems, not solutions. I look for solutions, not problems. And if legal issues could loom on a particular horizon, I usually go another way.

Two chaps just bought a 10A parcel here for almost $500K, but it is only approved for one dock and I had found some other interesting issues that will cost $ to resolve. They want to subdivide into 10 lots with one dock for each lot.

They think they will get the US Corps of Engineers to reclassify some 'yellow' zone (no docks) into 'green' zone (docks allowed if there is room) to support the subdivision plans. Talk about assuming a problem that is (probably) not in their skill set to solve.

You want to understand that the reason the US is in a mess in Iraq is that Bush Jr. and his fellow decision makers were dealing with problems that they (personally) had NO applicable experience to (personally) understand and solve. They relied on advice from others (advisors), but they could not directly discern which advisor had the better advice, which led to cherry picking from the advisor who offered "preferred advice", or was more "liked" or "believed".

I remember the first "Gulf War" when Bush Sr. freed Kuwait but did not proceed against Saddam Husain in Iraq. I commented to friends who HAD considerable experience in that region that I thought Bush Sr. SHOULD HAVE toppled Saddam Husain and they told me I was crazy and that if Bush Sr. did as I thought he should, certain terrible things would happen.

Guess what: Bush Jr. "went in" against Husain and those terrible things predicted to me so long ago did happen. The moral of the story is: Avoid situations you are not directly competent in, rather than assuming you will find advisors to guide you through anything you do not understand.

Using my "creative juices towards finding many ways to put" PPL to good use for "access to answers from all areas of the law" does not compute. First, to utilize that ummm- say $325 in plan cost, I would have to spend ANOTHER $975 for a total of $1300. Gee, that pays for 3 RE deals.... and I have better things to do than try to figure out how I might spend $100/month with lawyers. My time would be consumed, too. So I avoid issues that might give rise to the question: "Can the advise(sic) of an attorney benefit the situation I'm in?"

Besides real estate, I have not "been in any situations" that might need a lawyer for more than 20 years. Beyond that, my memory is fuzzy.

Well, there were three "situations" involving what might be termed "conflicts" but I took care of them. If I had "gone to court" I know of one situation that would probably have gone badly because the individual had "connections". But I can be very creative, so I out maneuvered the problem party and the problem went away. Literally.

I have no interest in the PPL "business" for any reason. Money is not my problem. Time is my problem.

But I did read a PPL Advert-magazine while sitting in a doctor's waiting room, and my impressions were VERY negative. I can recognize bulldroppings when I see them, and if PPL is willing to publish an Advert-magazine full of bulldroppings, then I will not get involved with PPL. It is as simple as that.

Aaron, thank you for your thoughtful contributions.

I'm sure I'm just repeating a post I lodged months, or even years ago (probably in this report), but here's my perspective on PPL as a member of the legal profession:

Per the business angle, I have a pretty negative impression of PPL. It walks and talks like an MLM, complete with the lingo and the tools, and therefore is presumptively a scam (if only in my own head). However, the dynamics of PPL supporters, coupled with my impression of the quality and marketability of the product, leads me to believe that it is a superior opportunity to most MLMs.

Per the product angle, it's my impression that PPL is offering a quality service. If a PPL membership is used to its full advantage, and assuming that the actual services meet the policy declarations, the average consumer can get a benefit that far exceeds the cost.

But the benefit of the PPL policy is not what many consumers seem to think it is. Let me break it down like this: the field of legal services can be broken down into "counselling" and "representation." Counseling services, which are most closely related to "transactional" work, are designed to prevent legal problems. Representation, on the other hand, comprises the services that are aimed at solving legal problems after they arise.

The PPL plan provides, primarily, counseling services. If the membership is used to its full value, the member should be able to avoid the need for representation in most instances.

The problem, however, is that few average consumers think of "counseling" when they think of the services for which they would need a lawyer. Thus, many members will be grossly disappointed when they learn that their plan is rather useless when litigation arises.

Does that mean that the product is bad? No, but it does mean that PPL marketers need to be acutely aware of the specifics of the plans that are being sold, and must communicate the benfits and limitations effectively so as to avoid the disgruntled member who learns all too late what the plan is really for.

Aaron, thank you for your thoughtful contributions.

I'm sure I'm just repeating a post I lodged months, or even years ago (probably in this report), but here's my perspective on PPL as a member of the legal profession:

Per the business angle, I have a pretty negative impression of PPL. It walks and talks like an MLM, complete with the lingo and the tools, and therefore is presumptively a scam (if only in my own head). However, the dynamics of PPL supporters, coupled with my impression of the quality and marketability of the product, leads me to believe that it is a superior opportunity to most MLMs.

Per the product angle, it's my impression that PPL is offering a quality service. If a PPL membership is used to its full advantage, and assuming that the actual services meet the policy declarations, the average consumer can get a benefit that far exceeds the cost.

But the benefit of the PPL policy is not what many consumers seem to think it is. Let me break it down like this: the field of legal services can be broken down into "counselling" and "representation." Counseling services, which are most closely related to "transactional" work, are designed to prevent legal problems. Representation, on the other hand, comprises the services that are aimed at solving legal problems after they arise.

The PPL plan provides, primarily, counseling services. If the membership is used to its full value, the member should be able to avoid the need for representation in most instances.

The problem, however, is that few average consumers think of "counseling" when they think of the services for which they would need a lawyer. Thus, many members will be grossly disappointed when they learn that their plan is rather useless when litigation arises.

Does that mean that the product is bad? No, but it does mean that PPL marketers need to be acutely aware of the specifics of the plans that are being sold, and must communicate the benfits and limitations effectively so as to avoid the disgruntled member who learns all too late what the plan is really for.

Thomas,

First, let me say that good judgement has nothing to do with keeping you out of court. With seven years of legal experience I've seen plenty of people who did it right, used good judgement and still went to court. Their good judgement may have worked in their favor at that point but didn't prevent the problem.

That aside, since Prepaid Legal is not a lawsuit engine, if you chose to limit your use of lawyers to one particular area of law that's your decision but it's not the intent behind Prepaid Legal Services. The intention is to give people access to answers from all areas of the law. I personally use my membership regularly. You knowingly base your perceived savings on a specific issue for which you would use it, yet if you had this service I'm sure you could put your creative juices towards finding many ways to put it to good use. Take any situation you encounter in life (no matter how small or insignificant it may seem) and ask this question: "Can the advise of an attorney benefit the situation I'm in?" If the answer is yes then you've found a use for the service.

As to why most of the rebuttals here revolve around pitching the business, a lot of that has to do with a lot of complaints stemming from people that became associates and didn't succeed. Me personally, I try to debate specific complaints or arguments from the basis of the argument. If it's business based I argue the business, if it's product based I argue the product. I sell PPL based off my experiences, not the business opportunity. While there are those I select to approach with the business, they are not the bulk of my customers. While I care for my family and friends, and want them to succeed in life, I know them too well to want most of them as partners in my business.

On the issue of substance, what would you like? I would be more than happy to give you any information on our product that I have. Whether it's a breakdown of the product or personal stories of how I (as in me, myself, etc.) have used it just let me know. Best of luck.

I was reading through all the comments both for and against PrePaid Legal. Pyramid scheme, Ponzi scheme, works, doesn't work, etc.

First and foremost, I profess to be somewhat of a geek. I probably spend more time online than what is healthy for me, but I can live with it. *shrug*

I did some research on the difference between a pyramid scheme and an MLM setup. The Direct Selling Education Foundation provides an excellent article on teaching people the difference between the two; (((ROR redacted link)))

If the link has been removed or is unclickable, do a search on Google for the Direct Selling Education Foundation's site. (I can't use the term "google" in a verbal sense as the search engine provider has filed a complaint against the media. So I have to use the term "utilize". Go figure.)

Second, as far as what actually comprises a Ponzi scheme, the SEC's web site gives a brief synopsis of what it entails. I admit I'm a hardcore fan of Wikipedia - there's quite a bit of information in there as what exactly comprises a Ponzi scheme. (Yeah, yeah, go ahead and bash me for using Wikipedia. It doesn't carry as much of a slant as other sites.)

Third, as for any prepaid legal plan, whether it's purchased through PrePaid Legal Services or if your employer offers it through Hyatt Legal Plans or another provider - prepaid legal IMHO is worth it no matter how you slice it or dice it. I can't even begin to count the number of times I've had to use my prepaid legal plan when I was working a full time job up until about a year and a half ago in Oklahoma.

After moving to Kansas for a new job, my employer didn't offer such a plan. I wish they had, as my wife and I have had to experience a number of setbacks. I know prepaid legal works, but you have to read the fine print as to what is covered under your plan and what isn't. I think that's where a lot of the negative feedback is coming from - people aren't reading the fine print.

Fourth, if you're trying to start ANY home-based business, whether it's through PrePaid Legal Services or any other endeavor; it takes time and effort to get it off the ground. Not to mention some type of capital. If you're required to purchase ANYTHING, i.e. some type of kit, etc, before you can start your business, or a significant amount of cash is needed (anything more than $300 I tend to stay away from) all I can say is caveat emptor.

Most entrepreneurs who have had some experience know they don't need to purchase every DVD, every brochure, etc. Word-of-mouth always seems to work quite well whenever you're promoting a business. Not to mention honesty and integrity.

It falls on the part of entrepreneur, associate, etc to practice honesty and integrity daily. You're representing the parent company, you're the one people are going to see, so what type of image are you sending?

I can say this, though. Working as a computer consultant/contractor these days have put me in a position where I need to protect myself and my family. My wife's employer doesn't offer any sort of prepaid legal plan to their employees, and since I'm very familiar with how prepaid legal plans work, we went ahead and purchased one.

Knowledge is power, and if you don't apply that knowledge in a correct and efficient manner it's totally useless. Then again, I'm just a geek to everyone here - so I'm sure there will be someone out there who thinks I'm crazy or uneducated or "stupid".

Just be sure you remember that the next time your computer crashes at 3 AM in the morning because you were downloading something you shouldn't have. Chances are good you'll be calling someone like myself to come and fix your PC, and you'll be grumbling at how much you're being charged. Not to mention the next day, your woes will be told to other geeks in typical geek humor.

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

I was reading through all the comments both for and against PrePaid Legal. Pyramid scheme, Ponzi scheme, works, doesn't work, etc.

First and foremost, I profess to be somewhat of a geek. I probably spend more time online than what is healthy for me, but I can live with it. *shrug*

I did some research on the difference between a pyramid scheme and an MLM setup. The Direct Selling Education Foundation provides an excellent article on teaching people the difference between the two; http://www.dsef.org/Publications/index.cfm?fa=show_release&Document_id=773 is the link.

Second, as far as what actually comprises a Ponzi scheme, the SEC's web site gives a brief synopsis of what it entails. I admit I'm a hardcore fan of Wikipedia - there's quite a bit of information in there as what exactly comprises a Ponzi scheme. (Yeah, yeah, go ahead and bash me for using Wikipedia. It doesn't carry as much of a slant as other sites.)

Third, as for any prepaid legal plan, whether it's purchased through PrePaid Legal Services or if your employer offers it through Hyatt Legal Plans or another provider - prepaid legal IMHO is worth it no matter how you slice it or dice it. I can't even begin to count the number of times I've had to use my prepaid legal plan when I was working a full time job up until about a year and a half ago in Oklahoma. After moving to Kansas for a new job, my employer didn't offer such a plan. I wish they had, as my wife and I have had to experience a number of setbacks. I know prepaid legal works, but you have to read the fine print as to what is covered under your plan and what isn't. I think that's where a lot of the negative feedback is coming from - people aren't reading the fine print.

Fourth, if you're trying to start ANY home-based business, whether it's through PrePaid Legal Services or any other endeavor; it takes time and effort to get it off the ground. Not to mention some type of capital. If you're required to purchase ANYTHING, i.e. some type of kit, etc, before you can start your business, or a significant amount of cash is needed (anything more than $300 I tend to stay away from) all I can say is caveat emptor.

Most entrepreneurs who have had some experience know they don't need to purchase every DVD, every brochure, etc. Word-of-mouth always seems to work quite well whenever you're promoting a business. Not to mention honesty and integrity. It falls on the part of entrepreneur, associate, etc to practice honesty and integrity daily. You're representing the parent company, you're the one people are going to see, so what type of image are you sending?

I can say this, though. Working as a computer consultant/contractor these days have put me in a position where I need to protect myself and my family. My wife's employer doesn't offer any sort of prepaid legal plan to their employees, and since I'm very familiar with how prepaid legal plans work, we went ahead and purchased one. Knowledge is power, and if you don't apply that knowledge in a correct and efficient manner it's totally useless. Then again, I'm just a geek to everyone here - so I'm sure there will be someone out there who thinks I'm crazy or uneducated or "stupid". Just be sure you remember that the next time your computer crashes at 3 AM in the morning because you were downloading something you shouldn't have. Chances are good you'll be calling someone like myself to come and fix your PC, and you'll be grumbling at how much you're being charged. Not to mention the next day, your woes will be told to other geeks in typical geek humor.

I am an Independent Associate of Pre-Paid Legal. Here is the deal, and forgive me for being blunt, but I believe it is necessary.

Unfortunately, many people sign up with Pre-Paid because the think or believe that they will sky-rocket to the top financially. The bottom line is this, you work 8 hours for your "Boss" at a JOB but you don't want to work 8 hours a day for yourself. How is that practical?

If you wanted to open a clothing store you would invest thousands upon thousands of dollars just to purchase the merchandise. Then you have the cost of renting a store, overhead for utilities, a cash register, register tape, employees.. etc. Before you even open the door you have invested anywhere from $25-75 thousand dollors depending on your location, merchandise and advertising.

There are too many people that want something for nothing and want to complain when they don't get what they want. It doesn't work that way.

Pre-Paid Legal is a great business. I am a single mother and I have profited to the tune of $500+ per month on a very (7 hours a week) P/T basis. I work my business. I invest in myself, my children my future.

If you work it like a million dollar business it will pay you like a million dollar business eventually, but if you work it like a hobby you will spend money on it like a hobby but without the rewards.

*********************************
To anyone looking to become a small business owner in direct or network marking you need to:

1) Evaluate Yourself: Can you boss your self around to ensure you do what is necessary to succeed? If not, this type of business is not for you.

2) Are you willing to make an investment on your business and yourself? If not, don't waste your money on a small business of ANY Kind (a McDonald's Franchise will run you $50k just for the business, not including the employees and other overhead costs).

3) Are you able to give 4-8 hours of your day to your business for 1-5 years? If not, a small business may not be for you. (It takes time to get in the black financially. You will invest time, money and sweat before you acutally profit)

4) Are YOU worth it? This is tricky question. If you believe you can do it and believe you are worth it and are can do 1-3 then you might just be successfull in small business or home based business.

I wish you all the best of luck and my only advice is this, if you decide to join any marketing business or start your own small business and are unwilling to give it your all and you fail, don't blame it on the service, the service is only as good as the person selling it.

Respectfully,
Sheila
(((ROR redacted link)))

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

I am an Independent Associate of Pre-Paid Legal. Here is the deal, and forgive me for being blunt, but I believe it is necessary.

Unfortunately, many people sign up with Pre-Paid because the think or believe that they will sky-rocket to the top financially. The bottom line is this, you work 8 hours for your "Boss" at a JOB but you don't want to work 8 hours a day for yourself. How is that practical?

If you wanted to open a clothing store you would invest thousands upon thousands of dollars just to purchase the merchandise. Then you have the cost of renting a store, overhead for utilities, a cash register, register tape, employees.. etc. Before you even open the door you have invested anywhere from $25-75 thousand dollors depending on your location, merchandise and advertising.

There are too many people that want something for nothing and want to complain when they don't get what they want. It doesn't work that way.

Pre-Paid Legal is a great business. I am a single mother and I have profited to the tune of $500+ per month on a very (7 hours a week) P/T basis. I work my business. I invest in myself, my children my future.

If you work it like a million dollar business it will pay you like a million dollar business eventually, but if you work it like a hobby you will spend money on it like a hobby but without the rewards.

*********************************
To anyone looking to become a small business owner in direct or network marking you need to:

1) Evaluate Yourself: Can you boss your self around to ensure you do what is necessary to succeed? If not, this type of business is not for you.

2) Are you willing to make an investment on your business and yourself? If not, don't waste your money on a small business of ANY Kind (a McDonald's Franchise will run you $50k just for the business, not including the employees and other overhead costs).

3) Are you able to give 4-8 hours of your day to your business for 1-5 years? If not, a small business may not be for you. (It takes time to get in the black financially. You will invest time, money and sweat before you acutally profit)

4) Are YOU worth it? This is tricky question. If you believe you can do it and believe you are worth it and are can do 1-3 then you might just be successfull in small business or home based business.

I wish you all the best of luck and my only advice is this, if you decide to join any marketing business or start your own small business and are unwilling to give it your all and you fail, don't blame it on the service, the service is only as good as the person selling it.

Respectfully,
Sheila
(((ROR redacted link)))

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

I am an Independent Associate of Pre-Paid Legal. Here is the deal, and forgive me for being blunt, but I believe it is necessary.

Unfortunately, many people sign up with Pre-Paid because the think or believe that they will sky-rocket to the top financially. The bottom line is this, you work 8 hours for your "Boss" at a JOB but you don't want to work 8 hours a day for yourself. How is that practical?

If you wanted to open a clothing store you would invest thousands upon thousands of dollars just to purchase the merchandise. Then you have the cost of renting a store, overhead for utilities, a cash register, register tape, employees.. etc. Before you even open the door you have invested anywhere from $25-75 thousand dollors depending on your location, merchandise and advertising.

There are too many people that want something for nothing and want to complain when they don't get what they want. It doesn't work that way.

Pre-Paid Legal is a great business. I am a single mother and I have profited to the tune of $500+ per month on a very (7 hours a week) P/T basis. I work my business. I invest in myself, my children my future.

If you work it like a million dollar business it will pay you like a million dollar business eventually, but if you work it like a hobby you will spend money on it like a hobby but without the rewards.

*********************************
To anyone looking to become a small business owner in direct or network marking you need to:

1) Evaluate Yourself: Can you boss your self around to ensure you do what is necessary to succeed? If not, this type of business is not for you.

2) Are you willing to make an investment on your business and yourself? If not, don't waste your money on a small business of ANY Kind (a McDonald's Franchise will run you $50k just for the business, not including the employees and other overhead costs).

3) Are you able to give 4-8 hours of your day to your business for 1-5 years? If not, a small business may not be for you. (It takes time to get in the black financially. You will invest time, money and sweat before you acutally profit)

4) Are YOU worth it? This is tricky question. If you believe you can do it and believe you are worth it and are can do 1-3 then you might just be successfull in small business or home based business.

I wish you all the best of luck and my only advice is this, if you decide to join any marketing business or start your own small business and are unwilling to give it your all and you fail, don't blame it on the service, the service is only as good as the person selling it.

Respectfully,
Sheila
(((ROR redacted link)))

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

I am an Independent Associate of Pre-Paid Legal. Here is the deal, and forgive me for being blunt, but I believe it is necessary.

Unfortunately, many people sign up with Pre-Paid because the think or believe that they will sky-rocket to the top financially. The bottom line is this, you work 8 hours for your "Boss" at a JOB but you don't want to work 8 hours a day for yourself. How is that practical?

If you wanted to open a clothing store you would invest thousands upon thousands of dollars just to purchase the merchandise. Then you have the cost of renting a store, overhead for utilities, a cash register, register tape, employees.. etc. Before you even open the door you have invested anywhere from $25-75 thousand dollors depending on your location, merchandise and advertising.

There are too many people that want something for nothing and want to complain when they don't get what they want. It doesn't work that way.

Pre-Paid Legal is a great business. I am a single mother and I have profited to the tune of $500+ per month on a very (7 hours a week) P/T basis. I work my business. I invest in myself, my children my future.

If you work it like a million dollar business it will pay you like a million dollar business eventually, but if you work it like a hobby you will spend money on it like a hobby but without the rewards.

*********************************
To anyone looking to become a small business owner in direct or network marking you need to:

1) Evaluate Yourself: Can you boss your self around to ensure you do what is necessary to succeed? If not, this type of business is not for you.

2) Are you willing to make an investment on your business and yourself? If not, don't waste your money on a small business of ANY Kind (a McDonald's Franchise will run you $50k just for the business, not including the employees and other overhead costs).

3) Are you able to give 4-8 hours of your day to your business for 1-5 years? If not, a small business may not be for you. (It takes time to get in the black financially. You will invest time, money and sweat before you acutally profit)

4) Are YOU worth it? This is tricky question. If you believe you can do it and believe you are worth it and are can do 1-3 then you might just be successfull in small business or home based business.

I wish you all the best of luck and my only advice is this, if you decide to join any marketing business or start your own small business and are unwilling to give it your all and you fail, don't blame it on the service, the service is only as good as the person selling it.

Respectfully,
Sheila
(((ROR redacted link)))

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

Okay, people I used to work in the call center that they have, or did have in August of 2003 in Antlers Oklahoma.

If you are looking to buy the plan...
It is meant for car accidents and speeding tickets, and so forth. It is not meant for family issues such as divorce, custody or anything else like that. However, the "provider attorneys" do offer those services with a 25% discount of what they normally charge. Anybody that is telling you that "all matters are covered" is lieing to you, and you should not buy the product from them. IF you are still interested in the product, you should find another associate to purchase a plan from. The attorney who wrote above, (did not look at the name) would probably be one to tell you the truth. Especially if you are in her area, as she would ultimately benefit from you signing up in the first place. Not only on the commissions side of things, but also getting your business and getting paid from Pre-Paid Legal.

If you are someone who is wanting to work in their call center. You can do it, if you like dressing in a tie every day, and slacks, if you are a guy. Or pants if you are a gal. I myself was terminated because I supposably "stole" another associates member and signed him up when he called in wanting a website to sign up for the service. The original associate (assuming there was one - never spoke to him if there was) called in complaining that I stole his member. I was terminated for signing the member up on my website that I had created. And then told that I could still sell the memberships for them. Am I selling the product for them? Hell no. Will I ever, HELL NO! They FIRED me for signing someone up. If the associate was dumb enough to have the member call in to get a website address to sign up online (obviously this particular associate did not have one), I provided the website and was FIRED for doing so. They also mentioned other things when they had me in their office with the Supervisor and the Quality Assurance personnel. Because I was "knowledgable in the computer field" and kept on removing their names from the delegation list on my computer so that they could not read my emails and monitot my every move. Half the time I would have problems with my computer fixed before I.T. could get to my computer to fix it for me. I thought I was doing good by signing someone up for their services. But nope, they FIRED me. And had the nerve to tell me that I could continue selling. What kind of idiot fires you for signing someone up, then tells you that you can still sell. I was GIVEN the package for signing people up as a "perk" of working for them directly in the call center.

However, when I returned to Texas. I had a matter with a traffic violation. Which I called (as I still had my own membership) and spoke with my provider attorney. I was told that "best thing" would be to just pay the ticket. They did not go to court for me, and did not offer any other advice than "just pay the ticket". So I did not continue to keep my membership. And really if you do the mentality on this. They only help you when you are legal, License, Insurance, Etc. If your inspection sticker is not valid on your car, they will not help you. No regristration, or expired regristration, no luck for you. They will not help you under the plan. That is one thing you should understand before buying, or even selling the product. A lot of people are mislead and when I worked there in the call center, there were many people who called in yelling and screaming about being billed when they had called to cancel. Of course I was only on Tier 1 at the time. I worked for them from August 13th to October 5th 2003.

So if you are selling and wonder why you are not having any luck, you are probably explaining it wrong. As someone said in a prior message no training. Its not $27 a month all legal services covered. It is specifically designed for traffic violations, and car accidents. It was started by some old man who was in a car accident named Mr. Stonecipher or something like that. Probably mispelled his name, but I do not care. I dont work for them anymore and will NEVER sell their product. Any legal services outside of traffic violations are "book rate" minus the 25% discount. You would still have to pay a retainer fee at that time for a non-benefit case. Non-benefit being anything other than a traffic violation or accident in a NON-LEGAL car. If it happends in a legal car, and you were the person involved, it is covered.

One thing about that plan however. If you get stopped for no insurance. For one, if you did not have insurance they will not help you. If they do it will be discounted 25% at their regular book rate due to the fact your car was illegal. Here in Texas, the fine is like $250-$300. They will suggest that you pay it. Now if you are someone who thinks that is about the only issue you would have, it would not be worth it to you. Because $27 a month times 12 months is $324 per year you would pay for that plan, with the $27/mo. plan. You have already paid that no insurance ticket to be told no by your attorney. So what would the point be? Then you still have to pay the ticket itself.

Speeding tickets. Let me let you all in on a big secret that 9 times out of 10 an attorney will use to try getting your ticket dismissed. They will, not they might, they will ask. "When was the last time this officers radar was calibrated"? If the officers radar has not been calibrated in so many days, prior to your getting that speeding ticket. Your case WILL be dropped. If you attempt to ask that yourself, do not ask it the way an attorney would. Ask very politely by saying " Your honor, I really do not feel that I was going that fast. When was the last time this officers radar was calibrated if I may ask, your honor" ? If you ask in a very rude and disruptive manner (making the court reporter stop and look up at you), you can bet that you asked the wrong way.

Anyways, thats my take on Pre-Paid Legal. I hope that anybody who reads this finds an answer to their question. I did not like working for them, did not like what I was fired over, and certainly did not like being told I could continue doing what I was fired for. Because that benefited them more than anybody. If you like Pre-Paid Legal, more power to you. It's a joke to me!

I will note that Timothy - Valparaiso, Indiana writes like the lawyers I use, while Kacey.....? Well, his 'silence' seems pretty loud, wouldn't ya say? Maybe he is on vacation...

There is a lot of PPL-Proponents heat here but the PPL-Proponents provide very little light and no apparent substance. The primary PPL pitch seems to be that we should all SIGN UP to WORK for PPL rather than simply PURCHASE the SERVICES of PPL. Most other companies marketing is intended to SELL you their goods and services rather than to HIRE you to WORK FOR THEM. That is kinda odd, don't you (non-PPL) folk think? Marketing is not free, so marketing WILL be directed to where the money is. As 'Deep Throat' once said, "Follow the money".

Good judgement will keep you out of court. I consider lawsuits a risky and unproductive adventure. The resolutions of legal processes can be unpredictable, never mind Perry Mason. Court victories can be pyrric.

My use of lawyers has been restricted to Real Estate and I further restrict myself here to two very effective gentlemen. Their typical fee can be around $400 so if PPL paid 25% I would save about $100 per transaction. The PPL service is $26/month or $313/year meaning I need three (3) transactions per year to break even. But the money involved in those 3 transactions makes the promised $300 savings look like carpet fuzz. So why on earth ever bother with PPL? Oh, yea, the business opportunity?

The people that have reported these vile things about PrePaid Legal, have absolutely no clue. Half of you couldn't even spell correctly and you desperately need classes in English and Grammar. The sheer volume of ignorance is a huge explanation as to why your business failed.

Jeff Olson explains it perfectly in his training cd's. Most people are negative, and cynical. You live a life of blame. I have seen it all over this page. From PPL's policy to not FULLY covering DRUNKS, DRUG DEALERS, GANG BANGERS, and MURDERERS, to this company is a scam, to the allegation that PPL has a secret police division that comes after you when you succeed to disrupt your organization. As a PPL member and associate, I have seen people like you come and go. You bring in your negativity and most of you who QUIT take it with you.

My name is Josh. I have been with the company now for one year. I am currently at the director level. I love and cherish this company and what it stands for. These negative comments on this page are both GARBAGE and without MERIT.

To those people that complain about the coverage of Title 5, a company is not going to completely insure you for commiting crimes. The fact that you even get a 25% discount off the regular rate is generous. PPL is not going to promote criminal mentality. This is a service for law-abiding citizens. Bad things do happen to good people though and this plan fits perfectly for those individuals. If you don't want to pay for divorce, think a little harder about marriage, or about giving up on it. The point is that the things we do not FULLY cover are generally situations that you can save yourself from by not being an IDIOT.

I have heard all comments personally, and on this site, about how this company is nothing but a pyramid scheme. "MLM it will never work", or "You have to work too hard for your money". Now imagine that, you actually have to work to make money. These same people also are UNHAPPY that they have to invest money to get their business off the ground. To these people I say "You're right you do have to invest money to make money, and if you didn't get the desired results from the money you invested then there is only one person to blame and that is you." In life, in order to do more, to aquire more, to make more, YOU have to become more. That is why we stress personal development so much, because that is the only way to acheive greatness in anything you do. In a pyramid scheme the person on top makes all the money and everyone else gets the scraps . In PPL if a Director recruits a brand new associate and that person works their tale off and makes Executive Director, The Director that recruited that person no longer recieves over ride income, thus encouraging that Director to step up their game and help more people.

So if the person at the top can be passed and you can earn more money than the recruiter, then how is it a pyramid scheme? A pyramid scheme to me is working for a boss at JOB. As an employee you will never make as much as the President or CEO of that company.

As for the person who posted that PPL is PICKING on him and dropped his ED status because he made promotions that went against company policy, go to your closet and dig out your success guide. In there is a whole section on the do's and don'ts of advertisement. There are no secret police in PPL trying to steal away your success.

Bottom line I love this company because it has given me equality in the eyes of the law, as well as an equal opportunity to become wealthy. I would like to appologize to the people that were misled by dishonest and or ignorant associates, but you do have to work and invest back into your business. It is crazy to think that you get everything for nothing. The system we have is SIMPLE, but not EASY. The return from investment ratio is rediculous. If you don't believe me then try to start a typical franchise. Invest $500,000 into a franchise. I'll bet you wouldn't see a profit for at least 4 to 5 years if even made it that far before you QUIT. Don't treat this like a $200 business and it won't pay you like one.

The people that have reported these vile things about PrePaid Legal, have absolutely no clue. Half of you couldn't even spell correctly and you desperately need classes in English and Grammar. The sheer volume of ignorance is a huge explanation as to why your business failed.

Jeff Olson explains it perfectly in his training cd's. Most people are negative, and cynical. You live a life of blame. I have seen it all over this page. From PPL's policy to not FULLY covering DRUNKS, DRUG DEALERS, GANG BANGERS, and MURDERERS, to this company is a scam, to the allegation that PPL has a secret police division that comes after you when you succeed to disrupt your organization. As a PPL member and associate, I have seen people like you come and go. You bring in your negativity and most of you who QUIT take it with you.

My name is Josh. I have been with the company now for one year. I am currently at the director level. I love and cherish this company and what it stands for. These negative comments on this page are both GARBAGE and without MERIT.

To those people that complain about the coverage of Title 5, a company is not going to completely insure you for commiting crimes. The fact that you even get a 25% discount off the regular rate is generous. PPL is not going to promote criminal mentality. This is a service for law-abiding citizens. Bad things do happen to good people though and this plan fits perfectly for those individuals. If you don't want to pay for divorce, think a little harder about marriage, or about giving up on it. The point is that the things we do not FULLY cover are generally situations that you can save yourself from by not being an IDIOT.

I have heard all comments personally, and on this site, about how this company is nothing but a pyramid scheme. "MLM it will never work", or "You have to work too hard for your money". Now imagine that, you actually have to work to make money. These same people also are UNHAPPY that they have to invest money to get their business off the ground. To these people I say "You're right you do have to invest money to make money, and if you didn't get the desired results from the money you invested then there is only one person to blame and that is you." In life, in order to do more, to aquire more, to make more, YOU have to become more. That is why we stress personal development so much, because that is the only way to acheive greatness in anything you do. In a pyramid scheme the person on top makes all the money and everyone else gets the scraps . In PPL if a Director recruits a brand new associate and that person works their tale off and makes Executive Director, The Director that recruited that person no longer recieves over ride income, thus encouraging that Director to step up their game and help more people.

So if the person at the top can be passed and you can earn more money than the recruiter, then how is it a pyramid scheme? A pyramid scheme to me is working for a boss at JOB. As an employee you will never make as much as the President or CEO of that company.

As for the person who posted that PPL is PICKING on him and dropped his ED status because he made promotions that went against company policy, go to your closet and dig out your success guide. In there is a whole section on the do's and don'ts of advertisement. There are no secret police in PPL trying to steal away your success.

Bottom line I love this company because it has given me equality in the eyes of the law, as well as an equal opportunity to become wealthy. I would like to appologize to the people that were misled by dishonest and or ignorant associates, but you do have to work and invest back into your business. It is crazy to think that you get everything for nothing. The system we have is SIMPLE, but not EASY. The return from investment ratio is rediculous. If you don't believe me then try to start a typical franchise. Invest $500,000 into a franchise. I'll bet you wouldn't see a profit for at least 4 to 5 years if even made it that far before you QUIT. Don't treat this like a $200 business and it won't pay you like one.

The people that have reported these vile things about PrePaid Legal, have absolutely no clue. Half of you couldn't even spell correctly and you desperately need classes in English and Grammar. The sheer volume of ignorance is a huge explanation as to why your business failed.

Jeff Olson explains it perfectly in his training cd's. Most people are negative, and cynical. You live a life of blame. I have seen it all over this page. From PPL's policy to not FULLY covering DRUNKS, DRUG DEALERS, GANG BANGERS, and MURDERERS, to this company is a scam, to the allegation that PPL has a secret police division that comes after you when you succeed to disrupt your organization. As a PPL member and associate, I have seen people like you come and go. You bring in your negativity and most of you who QUIT take it with you.

My name is Josh. I have been with the company now for one year. I am currently at the director level. I love and cherish this company and what it stands for. These negative comments on this page are both GARBAGE and without MERIT.

To those people that complain about the coverage of Title 5, a company is not going to completely insure you for commiting crimes. The fact that you even get a 25% discount off the regular rate is generous. PPL is not going to promote criminal mentality. This is a service for law-abiding citizens. Bad things do happen to good people though and this plan fits perfectly for those individuals. If you don't want to pay for divorce, think a little harder about marriage, or about giving up on it. The point is that the things we do not FULLY cover are generally situations that you can save yourself from by not being an IDIOT.

I have heard all comments personally, and on this site, about how this company is nothing but a pyramid scheme. "MLM it will never work", or "You have to work too hard for your money". Now imagine that, you actually have to work to make money. These same people also are UNHAPPY that they have to invest money to get their business off the ground. To these people I say "You're right you do have to invest money to make money, and if you didn't get the desired results from the money you invested then there is only one person to blame and that is you." In life, in order to do more, to aquire more, to make more, YOU have to become more. That is why we stress personal development so much, because that is the only way to acheive greatness in anything you do. In a pyramid scheme the person on top makes all the money and everyone else gets the scraps . In PPL if a Director recruits a brand new associate and that person works their tale off and makes Executive Director, The Director that recruited that person no longer recieves over ride income, thus encouraging that Director to step up their game and help more people.

So if the person at the top can be passed and you can earn more money than the recruiter, then how is it a pyramid scheme? A pyramid scheme to me is working for a boss at JOB. As an employee you will never make as much as the President or CEO of that company.

As for the person who posted that PPL is PICKING on him and dropped his ED status because he made promotions that went against company policy, go to your closet and dig out your success guide. In there is a whole section on the do's and don'ts of advertisement. There are no secret police in PPL trying to steal away your success.

Bottom line I love this company because it has given me equality in the eyes of the law, as well as an equal opportunity to become wealthy. I would like to appologize to the people that were misled by dishonest and or ignorant associates, but you do have to work and invest back into your business. It is crazy to think that you get everything for nothing. The system we have is SIMPLE, but not EASY. The return from investment ratio is rediculous. If you don't believe me then try to start a typical franchise. Invest $500,000 into a franchise. I'll bet you wouldn't see a profit for at least 4 to 5 years if even made it that far before you QUIT. Don't treat this like a $200 business and it won't pay you like one.

The people that have reported these vile things about PrePaid Legal, have absolutely no clue. Half of you couldn't even spell correctly and you desperately need classes in English and Grammar. The sheer volume of ignorance is a huge explanation as to why your business failed.

Jeff Olson explains it perfectly in his training cd's. Most people are negative, and cynical. You live a life of blame. I have seen it all over this page. From PPL's policy to not FULLY covering DRUNKS, DRUG DEALERS, GANG BANGERS, and MURDERERS, to this company is a scam, to the allegation that PPL has a secret police division that comes after you when you succeed to disrupt your organization. As a PPL member and associate, I have seen people like you come and go. You bring in your negativity and most of you who QUIT take it with you.

My name is Josh. I have been with the company now for one year. I am currently at the director level. I love and cherish this company and what it stands for. These negative comments on this page are both GARBAGE and without MERIT.

To those people that complain about the coverage of Title 5, a company is not going to completely insure you for commiting crimes. The fact that you even get a 25% discount off the regular rate is generous. PPL is not going to promote criminal mentality. This is a service for law-abiding citizens. Bad things do happen to good people though and this plan fits perfectly for those individuals. If you don't want to pay for divorce, think a little harder about marriage, or about giving up on it. The point is that the things we do not FULLY cover are generally situations that you can save yourself from by not being an IDIOT.

I have heard all comments personally, and on this site, about how this company is nothing but a pyramid scheme. "MLM it will never work", or "You have to work too hard for your money". Now imagine that, you actually have to work to make money. These same people also are UNHAPPY that they have to invest money to get their business off the ground. To these people I say "You're right you do have to invest money to make money, and if you didn't get the desired results from the money you invested then there is only one person to blame and that is you." In life, in order to do more, to aquire more, to make more, YOU have to become more. That is why we stress personal development so much, because that is the only way to acheive greatness in anything you do. In a pyramid scheme the person on top makes all the money and everyone else gets the scraps . In PPL if a Director recruits a brand new associate and that person works their tale off and makes Executive Director, The Director that recruited that person no longer recieves over ride income, thus encouraging that Director to step up their game and help more people.

So if the person at the top can be passed and you can earn more money than the recruiter, then how is it a pyramid scheme? A pyramid scheme to me is working for a boss at JOB. As an employee you will never make as much as the President or CEO of that company.

As for the person who posted that PPL is PICKING on him and dropped his ED status because he made promotions that went against company policy, go to your closet and dig out your success guide. In there is a whole section on the do's and don'ts of advertisement. There are no secret police in PPL trying to steal away your success.

Bottom line I love this company because it has given me equality in the eyes of the law, as well as an equal opportunity to become wealthy. I would like to appologize to the people that were misled by dishonest and or ignorant associates, but you do have to work and invest back into your business. It is crazy to think that you get everything for nothing. The system we have is SIMPLE, but not EASY. The return from investment ratio is rediculous. If you don't believe me then try to start a typical franchise. Invest $500,000 into a franchise. I'll bet you wouldn't see a profit for at least 4 to 5 years if even made it that far before you QUIT. Don't treat this like a $200 business and it won't pay you like one.

Kacey, just out of intellectual curiosity (I'm not accsuing you of anything), have you looked into the ethical ramifications of an attorney marketing what is basically an attorney referral service?

I've got a solid familiarity with the model rules, and can't see any facial violation, but I'm wondering if the actual practice may not create a violation of MRPC 7.3. Any thoughts?

Also, do you find it difficult to avoid creating the impression of an attorney-client relationship with PPL clients?

I just always assumed that an actual attorney simply wouldn't be able to mix a PPL distributorship and a law practice.

What I notice is that most disgruntled people w/PPL either did not understand the plan, or were of the belief that marketing the plan is "easy." It is simple, but not easy.

They do pay the next day. They do provide materials. They are not free, and as a business person you need to have expenses to write off. You need not buy every promotional piece they have to be effective.

Because I am an attorney and realize the benefit of the plan, it is not a hard product for me to sell. However, for people who have NEVER had to pay for an attorney, they may not understand what a buy that PPL actually is.

I do sell the plan to those who can't afford my services, if they are interested. Surprisingly, a lot of them are interested and keep the plan because it is explained properly to them.

I have been an associate for over 3 years and I have to say I believe in the service and to company I love PPL but you might say then why do I hate them well lessen close fellow PPL associates PPL claims that they want to pay a lot of money for the work that you do but I know from experience that they would rather pay a lot of people a little bit let me tell you my story

after working a job plus PPL on the side for 1 year I decided to take the leap and go full-time in PPL and I one month I went from sr Associate to Executive Director well that was great news for me and my team but after that I was on PPLs hit list well fellow PPL associates let me let you in on a little secret PPL has a special team of people that they call the shut um down crew and this team will look at your whole team to try to find 1 little mistake and use that against you on the other hand If you are not making that much money they can careless about little mistakes

well hare is what they put me on D status for 1 lady tried to cancel she sent in a letter and PPL still charged someone down at PPL made a bo bo the lady called in and file a complaint and because she was mad she lied to PPL and said that I did not tell her about the ten dollar enrollment fee which I did she know the membership was $35.95 pre month and she wrote the check for $45.95 and she signed up with a group of people who all know that there was a $10 enrollment Fee

the bottom line was the PPL did not want to take responsibility for the mistake and put me on D status which meant That I did not get to enjoy being an Executive Director because it took me a whole to months to get my status back I that killed just about any momentum that I had and remember I quit my job so I did not have any income coming in for those to months If I was not Executive Director and just a little sr Associate they would have never put me on D status

The 2nd time they did this it kind of happen the same way things started going real good Made Executive Director so they call on the shut um down crew again and they found I little mistake something that me and my team already found and fixed 1 month before PPL had got a hold of it we put Earn $100 to $300 Daily on our advertisement at first and then we felt that was wrong a put Earn Unlimited income daily on our advertisement instead so the problem was already fix before PPLs shut um down crew came in to do there damage and they put me and my whole organization on as earned commissions which really sucks so this the whole month that I was Executive Director I was on as earned commission which means I did not make crap that month and lost momentum all over again


In closing PPL will listen to someone that calls in and complains and that person will not know anything about the business they could say to PPL that they did not like your shoes that you had on when you did the presentation and if you are an Executive Director at that time PPL will Put you on hold or As earned or just drop your status they will lesson to people that don't know anything over there own Associates that why I Love and hate PPL because even with those problems I am still trying to make big with PPL and maybe just one day I can make Executive Director and not get shut down because everything will be perfect when the Shut um down crew trys to find anything they will not be able to find one mistake that I my Dream

I am a Prepaid Legal Associate. I have been in the business for 5 years now. I have been extremely pleased with the company and all that it offers. Is it perfect? No. Do members of the plan have complaint from time to time? Yes.

The reason members have complaints and cancel thier plan is because they were SOLD the plan and never explained the benefits properly so they expected never to pay a dime for certain services.

Lets talk about associates in the business. There are associates that are giving Prepaid Legal a bad name. A small precentage but as you well know thats all it takes to get the negative comments we get from time to time.

Ther isn't a business anywhere that doesn't have its fair share of attacks.

Why is it that you hardly ever see anyone saying positive things about my company on this site? For the same reason that you, as a consumer did not call or write a nice letter about the service you received where ever you were at....too lazy to take the time. But god forbid, you compained when the waitress was a bit to slow to serve you and you gave her a hard time and a lousy tip if any!

Have you ever shown your appreciation when getting exceptional service?

I'm getting off track. For all you Prepaid Legal Associates going on and on about how great the company is...don't, WE know what we have. Remember, some people will never get it. Those people will wish they had a great attorney when the time comes. The difference is they will go into hock to pay for representation.

Do not try to convince them about how good Prepaid Legal is....they don't get it. See you all at the top!

I am a Prepaid Legal Associate. I have been in the business for 5 years now. I have been extremely pleased with the company and all that it offers. Is it perfect? No. Do members of the plan have complaint from time to time? Yes.

The reason members have complaints and cancel thier plan is because they were SOLD the plan and never explained the benefits properly so they expected never to pay a dime for certain services.

Lets talk about associates in the business. There are associates that are giving Prepaid Legal a bad name. A small precentage but as you well know thats all it takes to get the negative comments we get from time to time.

Ther isn't a business anywhere that doesn't have its fair share of attacks.

Why is it that you hardly ever see anyone saying positive things about my company on this site? For the same reason that you, as a consumer did not call or write a nice letter about the service you received where ever you were at....too lazy to take the time. But god forbid, you compained when the waitress was a bit to slow to serve you and you gave her a hard time and a lousy tip if any!

Have you ever shown your appreciation when getting exceptional service?

I'm getting off track. For all you Prepaid Legal Associates going on and on about how great the company is...don't, WE know what we have. Remember, some people will never get it. Those people will wish they had a great attorney when the time comes. The difference is they will go into hock to pay for representation.

Do not try to convince them about how good Prepaid Legal is....they don't get it. See you all at the top!

I am a Prepaid Legal Associate. I have been in the business for 5 years now. I have been extremely pleased with the company and all that it offers. Is it perfect? No. Do members of the plan have complaint from time to time? Yes.

The reason members have complaints and cancel thier plan is because they were SOLD the plan and never explained the benefits properly so they expected never to pay a dime for certain services.

Lets talk about associates in the business. There are associates that are giving Prepaid Legal a bad name. A small precentage but as you well know thats all it takes to get the negative comments we get from time to time.

Ther isn't a business anywhere that doesn't have its fair share of attacks.

Why is it that you hardly ever see anyone saying positive things about my company on this site? For the same reason that you, as a consumer did not call or write a nice letter about the service you received where ever you were at....too lazy to take the time. But god forbid, you compained when the waitress was a bit to slow to serve you and you gave her a hard time and a lousy tip if any!

Have you ever shown your appreciation when getting exceptional service?

I'm getting off track. For all you Prepaid Legal Associates going on and on about how great the company is...don't, WE know what we have. Remember, some people will never get it. Those people will wish they had a great attorney when the time comes. The difference is they will go into hock to pay for representation.

Do not try to convince them about how good Prepaid Legal is....they don't get it. See you all at the top!

I am a Prepaid Legal Associate. I have been in the business for 5 years now. I have been extremely pleased with the company and all that it offers. Is it perfect? No. Do members of the plan have complaint from time to time? Yes.

The reason members have complaints and cancel thier plan is because they were SOLD the plan and never explained the benefits properly so they expected never to pay a dime for certain services.

Lets talk about associates in the business. There are associates that are giving Prepaid Legal a bad name. A small precentage but as you well know thats all it takes to get the negative comments we get from time to time.

Ther isn't a business anywhere that doesn't have its fair share of attacks.

Why is it that you hardly ever see anyone saying positive things about my company on this site? For the same reason that you, as a consumer did not call or write a nice letter about the service you received where ever you were at....too lazy to take the time. But god forbid, you compained when the waitress was a bit to slow to serve you and you gave her a hard time and a lousy tip if any!

Have you ever shown your appreciation when getting exceptional service?

I'm getting off track. For all you Prepaid Legal Associates going on and on about how great the company is...don't, WE know what we have. Remember, some people will never get it. Those people will wish they had a great attorney when the time comes. The difference is they will go into hock to pay for representation.

Do not try to convince them about how good Prepaid Legal is....they don't get it. See you all at the top!

What can I say, so much misinformation in so little space. As usual a brief trash talk session that includes no facts, just gibberish. Let's start from the beginning:

First, Prepaid Legal is by no means a Pyramid Scheme. Like any business, including the one YOU work for (unless you own your own business and have no customers or employees) there is a pyramid structure in place. A few CEO's on the top, followed by a layer of management, another layer of management, another layer, until you get to the employees and finally the customers. What debunks the idea of a scheme is that any employee, regardless of where they start, can move up within the pyramid to a higher level. What makes Prepaid Legal unique amongst businesses is that any individual has the potential to move to the higher levels of the pyramid and actually move higher within the company than their sponsors. For those familiar with Prepaid Legal the name Dave Savula is not unfamiliar.

Even though he is Prepaid Legal's #1 money earner (making over $150,000 a week) there is a dozen people in his "upline" who make less than he does. This means someone brought in someone else, who brought in someone else, eventually bringing in Dave Savula. In a pyramid scheme, or even traditional business, he wouldn't have stood a chance of moving beyond his spot in the pyramid, yet he moved well above those responsible for bringing him in.

Additionally, there are set guidelines as to what you must do to advance within the company, not something offered by your traditional businesses. You make "X" number of sales or recruit "Y" number of new associates and you move up. Hence, the more you work the quicker you advance. I know first hand that $100,000 in sales a week at Lowe's may make you employee of the month, but doesn't guarantee a promotion.

On the other hand, look at a more traditional company such as Wal-Mart, Cingular, McDonalds, etc. Unless you have the educational backing you typically start at the bottom level of the business...floor sales. Your advancement opportunity is limited to the availability of a higher position so you must wait until a manager above you gets promoted or leaves (usually for a promotion within another company) to move to his level. Now you must wait for the next higher manager to get promoted or leave to reach the next level. With this system you will never catch up to those above you because they must move up for you to get the opportunity. Some in sales/retail work twenty years to become a store manager, but by then their first department manager, assistant manager and store manager have been promoted well above this level or retired.

Second point, most Attorney's worth hiring will not work on the cheap except for cases which have the potential to bring in a lot of money or can be exploited to the media for increased business. In professional sports there are hundreds of third string players that most people have never heard of, yet they are professional athlets. They may be better than I am, yet they're no Shaq, Brett Favre or Barry Bonds. There is a rating system for attorney's and, like it or not, the attorney's hired by Prepaid Legal Services are rated amongst the best. So you have to decide, would you rather work with a major lawfirm that can represent any area of law or hire an private attorney who represents one area of law (thus may not be able to fulfill all your legal needs) and has a poor to moderate rate of victory. This doesn't include all the "freebies" that come with having a Prepaid Legal Membership. No attorney is going to give you FREE advice on how to fix problems for yourself, they'd never make any money. They will also not represent you in court for free to fight a traffic ticket (this does exclude DUI and DWI). Prepaid Legal offers this and more. You can contact your provider firm and ask every little pesky question on your mind and only pay your monthly fee. Sorry to say, no attorney in this country will beat that.

Third point, you imply the service doesn't work. I used it several times myself and it worked so well it motivated me to join up as an Independant Associate and sell this service to my family, friends and even total strangers. I've been in Prepaid Legal for over a year now and most of my customers have used the service at least once without complaint. When I pull up my sales history, I have yet to lose a customer. This is not consistant with a service that can't perform. You add on top of that the fact that Prepaid Legal is well over 30 years old, traded publically on the New York Stock Exchange (having one of the best trading records to include beating Microsoft during the 1990's), is endorsed by virtually every business magazine and professional in the U.S. and has over 1,000,000 customers (most of whom are not Associates) and you end up with a company that is both very solid and very legitimate.

Fourth, the people who read this site aren't looking for reason not to buy our product, or anyone elses. We all have free will and if they don't want to buy our product they won't, whether they have a reason or not. This forum exists as a means of communicating information, both positive and negative, to people interested in what's being said about a certain service. If they didn't care about both sides they wouldn't even look up this site. Just what do you think a rebuttal is and why do they let people make them? Because the makers of this forum and those looking for information want to see the full picture. To be honest, I'd be a little weary about doing business with a company that didn't have rebuttals from customers or employees. It implies that the company really doesn't care and might be a bad as people say. Believe me, having worked multiple jobs I can say this is the first where the sales force supports their company as much as the management, and that says something. I'll agree that, in my opinion, many of those use this site do so to inappropriately trash talk Prepaid Legal in order vent frustration at their own lack of action. I'll not sit idle and let it go uncontested if their complaint is illegit or simple trash talk. If you need an escape for yourself that won't fight back, get a fish. Otherwise prepare for a rebuttal.

Finally, while I enjoy a good quote, the one you provided seems to have lost me as far as the point you wanted to convey. Since the last post was a simple attack on Prepaid Legal that included no experience or facts to support it I'd like to offer the author this quote from Louis Nizer for him to think about before he does it again:

"When you point one accusing finger at someone, three of your own fingers point back at you."

PPL is what in the business world is called a Ponsey scheme, or a pyramid scheme.

A lot of attorneys will do services on the cheap if they know you are broke and are out of luck. They will expect you to pay them something. payment plans ect.

The montra is like Mega life. Sell our crap to your friends and family. If you really need our services we will leave you out to dry.

As far as thier agents. What are you doing on this website defending your product in detail. It sounds like you really know your product and supporting facts. YOu are so smart, but no one cares, people on this site are not here to buy your product, THEY ARE TRYING TO FIND OUT REASONS WHY NOT TO BUY YOUR PRODUCT.

There is a Dr. phil phrase that I like. "Don't wrestle with a Pig. you both will get dirty, only the pig likes it."

The one thing that reading these strings has taught me is that the adult population in this country really needs to do some growing up. Prepaid Legal Services offers a great product and service which many have used to save thousands of dollars, but people call it a poor product because they can't have their problems settled free. They want you to believe that it's only something really small, but you later learn that it was a major legal issue that the complainer sat upon until that last possible moment before seeking legal advice. On the business side you see dozens of people complain that they made no money in the business while avoiding details as to what they did (or didn't do). In my time with PPL I've met many who went to meetings and bought tools but didn't try to sell the product. They wait at home as if expecting business to fall in their lap. Some within these strings have had similar stories than either disappeared or tried to change the subject when called to task. Many of these same people have even earned money and only complained after they stopped working and thus stopped getting paid.

In response to several of the messages I've read here I submit the following:

1) The service is designed to be preventative and informative in nature. The goal is to keep you out of court to begin with. Dispite what many within this string have claimed, Prepaid Legal WILL cover issues such as divorce, child care, DUI's, DWI's and so on. The method is thus: You still receive free consultation on these issues and if court representation is required they will provide you a 25% discount on their services. As I seem to recall, that's exactly what's advertised.

2) In spite of what people think, child care disputes and divorce cases are not amongst the leading court or legal issues. I myself have never been divorced yet have signed multiple contracts and had numerous disputes with businesses. I think it a safe bet to say that the average person accumulates more speeding tickets than they do divorces. Because these cases are not the most common, and often very time consuming, Prepaid does not offer free representation for them. They still offer a 25% discount on these services which is huge given the potential size of the bill. Remember that car insurance doesn't pay for your quartly oil change and health insurance doesn't pay you to go to the emergency room every time you sneeze. In several cases they may not cover legitimate issues. Prepaid legal is the first "insurance" that I've come accross that provide any free services to prevent an issue then follow it with potentially free representation (depending on the issue and state) but also give a discount on ALL representative services.

3) On the business side, it IS a business. To many times do I hear people that give a story revolving around them entering the business, doing little to nothing, then not making money. When you work as an independant contractor you work for yourself, regardless of the service you offer. In this case the service is the selling of Prepaid Legal Service Memberships. The duty falls on you to put forth the effort to learn the product, find a customer base, then sell! Many times people have said: I'm a parent (or single parent) who can't travel, doesn't know anybody, but want to make money while hanging out at home. I'm sorry to provide a dose of reality, but there isn't a job in existance that will pay you a salary to hang out at your house. Some jobs allow telecommuting, but the employee must show proof of their progress. Other business, like Prepaid Legal, pay on commission for work that is accomplished not work that you dream of accomplishing. I myself started Prepaid Legal Membership right after leaving the Navy. When I was discharged (Honorably after 6 years of service for those interested) I was in a position where I was unemployed, with no telephone and no car in a city where I didn't know anybody and already $5000 in debt. Today I use G.I. Bill benefits to go to school while Prepaid Legal provides me with nearly $700 a month working half to one hour per day. I plan to continue to grow my business until I can work it full time, but I needed to realize what I will share with you all now. Wishes and dreams do not become true simply because you sit back and wish them so. If you want your dreams to come true you have to go after them and do what is necessary to make them happen. The bottom line, as quoted by Bronze Executive Director Steve Hoisington: "We have the same tools. We have the same market. The only difference is you!"

Finally, it's time for a real maturing process to take place before you decide to rant and rave about illegitimate issues. If you believe nothing else, believe this: When you do business with someone you will seldomly be considered an "innocent victim." When you complain on posts, such as this, you will be criticized and called to task should your complaint be misdirected. As easy as it is to blame others you must learn to swallow your pride and accept responsibility for your actions or lack there of. Don't blame a business because you acted irresponsibly. In other words "Grow Up!"

A couple of things really astound me. First, the amount of misinformation that has been "quoted" on this post is ridiculous. I have seen some valid points raised on both sides of this argument, and for those who have articulated these points I commend you. As an associate I am always looking to increase my awareness about my business. At the same time you have to be careful how much information you ingest.

I have seen many posts concerning the rate of growth of PPL, esp. concerning memberships. One point that I have not seen is an aspect of group marketing memberships. As a group certified associate I have seen firsthand the amount of memberships that cancel for reasons other than the person not wanting it. Examples include a person leaving the company for any reason, as well as companies folding or going through financial troubles.

Second, I agree that there have been many people who were misinformed or misled by associates of PPL. When I was first introduced to the company the associate attempted to sell me many false promises and flat out lies. Several months later I was approached by my high school mentor, who dispelled many of those lies and I decided to join. The misinformation came from the ASSOCIATE and not the COMPANY. I was not sold on dropping out of school to do this business. I was not sold on becoming a millionaire overnight. I was sold on the membership and the opportunity to learn how this business works and to take advantage of the personal development (which is an area I think most associates are missing out on...it shows in your rebuttals).

Since joining PPL three years ago I have worked part-time and earned over $45k, minus my expenses of ~$12k, minus a debit balance of $2k, which means I profited an extra $10k a year. But included in my expenses were trips to Cancun, Miami, Las Vegas, New York, Phoenix, as well as a laptop computer, top-of-the-line cell phones and other incidentals. Without PPL I would have never experienced those things. I have also met awesome people that I never would have known without the business.

It is true that some people will not be successful in this business. The same can be said about almost anything. I mean, if people quit jobs, spouses, church, what makes people think PPL is so diferent. Attrition is a part of this business.

As associates we have a responsibility to uphold a standard of integrity, but I think that we do not emphasize this enough. Since there are very few restrictions on who can join it makes it hard to monitor the character of new associates.

I could go on forever, but as for me, the bottom line is this: There are many ways to increase your income, PPL is just one way, it's not the only way. Either it is for you or it is not. If it isn't, go find something that you believe in and pursue it. As for my income, I don't want to be dependent on one source, and PPL allows me to expand, both my horizons and pocketbook.

I will agree with the fact that running your own business is gratifying. I have a Web and 3D Graphic Design business myself. You have opportunity in saying that this is my business that I built from the ground up. But there are in fact business models that are solid models that were created by visionaries who really do want to help the average American. Prepaid was one of those. Get past your limited views and really look at the product. Remember, while the rich are able to afford their attorneys of choice, people like YOU and I are trying to scrape up enough money to afford a sometimes second rate attorney (still $200+ an hour). Depending on the severity of the legal matter someone may have to put a second mortgage on their home (believe me it has happened). Or look at the possibilities this service can have for the average single mom who is having problems with whatever legal situation. Do you realize how much time and money that person would be saving their family?

Prepaid enables us to have access to top rated lawyers for a minimal monthly fee. Just like the Medicare some of you pay into, because of your health insurance that you pay into every month you have access to top rated doctors. SAME EXACT PRINCIPLE. Prepaid Legal pays a (very high) retainer to the Provider law firm in that state regardless if it's members use the service. That's why our monthly rate is so low and our customer service is top notch.

You know...my "Mastermind" group tells me I am wasting my time reading and responding to the negative thoughts and ideas on this forum but I tell them that I am proud of my service. I don't work for the corporate office or anything like that. I am a person who not only found value in the service and became a member but I also saw a great opportunity in marketing it to needed individuals. I have witnessed the joy it can bring in a person's life who could not afford to pay for a good attorney.

Whether its Prepaid Legal, Noni Juice, Mary Kay etc., these are all multi-level marketing opportunities that can change the individuals life for the better. True fact - statistically network marketing produces the most millionaires out of any corporate entity. What do you think, you being a basic associate at Microsoft or IBM that you will make the same amount as the CEO him or herself. No, that would be well into the top 10% percent of the top money earners in that company. Or what about even a six figure income. You have to be well in the top of management to earn that much in the corporate world. It can be done sure, but the time sacrifice will be tremendous and trust me, they allot certain individuals to that higher echelon of a salary. Not everyone will reach those heights. You will have to settle for what they pay their associates. But, in multi-level marketing you can make what you put in. The sky is the limit.

I actually have run into people who have the prepaid legal service plan but down the means at which the person sells it. It's backwards to me, they see the value enough to buy it, but they down the associate for what they are doing. That's like me going to a department store and downing the sales associate for selling me a shirt. Even though I love the shirt.

Anyway, everyone out there, don't destroy the dreams of a person who has never succeeded in life or made a six figure income. Just because you believe in a 9 to 5, others want the feeling of independence. Also don't down those true entrepreneurs who see an opportunity to earn an extra stream of income. A true entrepreneur recognizes an opportunity like Prepaid and of course joins it because of not only the earning potential but the market penetration is so low. We virtually have no competition whereas many multi-level marketing companies do have someone imitating them which inturn effects the need of their product.

It's funny, the critiques that always have something to say are normally the ones who have worked their 9 to 5 for whatever amount of years, have not seen a raise other than maybe a state increase or longevity if that, but want to down a great possibility for someone to earn an extra income. Weird...hunh!

It is absolutely amazing to me that there are so many people working this scheme, and that many of them are here trying to keep the people whom want good information about this 'service' muddied enough so that their pockets can get fatter from unsuspecting victims.

Yes, Network Marketing is legal. So is foreclosing on a widow with children. Neither one is pleasant.

Network Marketing encourages slime and Pre Paid Legal is a great example of that. While technically the device and service is legal, in practice the service is anemic at best, and people whom are part of it are encouraged not to complain about it because they are all in the business of extracting more money from other folks. See, the service is completely irrelevant.. it is all about the associate's fees. That's what makes your cash.

So, in other words, Pre Paid Legal is essentially a legalized way of conducting a Ponzi Scheme. They've gotten around the legal issues by using badly described and executed contracts, and removing the scheme one level in abstract, which most folks are not savvy enough to see through. Essentially, they say they aren't really obligated to do anything for you.

Now, go check out Albania to see what happens to a country that implodes because of out of control Network Marketing.

This stuff is POISON. If you want to make money, start a real business, with real assets, make real money, and spend real time/effort doing it. You'll be glad you did, and you'll actually have happy customers.

And before you folks ask me if I'm a millionaire, no I'm not. Yet. Pretty soonish now though, since I am working for real money and aquiring real assets and inventory.

You have got to be kidding me. I can't believe what I am reading here on this forum. People... there is adversity in whatever you do in life. There is adversity working at fast food. And by reading these comments some of you need to go there and work. A true business person and family oriented individual will see value in this service. It can be life altering and a money saver for the many.

And as far as the individual associate is concerned, you have to develop your sense of worth first before you approach anyone with this opportunity. If you keep making up excuses on why you are failing and even go so far as to blame the company for YOUR failure then you missed the boat. Failure comes from "lack of execution" not the company you are working with. Some of you even have the nerve to say "hey...I tried everything." No you didn't, because if you did you would have succeeded. What happened was, what you did not want to do, caused you to fail. Everyone on this forum should remember this, "Successful people do what unsuccessful people won't do."

And as far as the materials, come on, every company has some sort of overhead. This is your business. Everyone who signs the dotted line to become an associate is in fact an entrepreneur. Yes, you should allot some portion of your money to materials and tools. There is a reason for that. So many associates try to become the "message" instead of being the "messenger." You are always...always supposed to use third party tools. If you are talking about the product to a prospect they nine times out of ten will judge you instead of the power of what's offered to them. Third party tool's like the magazines have articles from real life companies (who have a heck of a lot more credibility than you do!) that gives there positive testimony of the service. That's what gets the attention of people.

Another thing to remember is always, ask questions to whomever you are giving the presentation to. Don't sell them the membership because YOU think it's good for them. People want to know and feel its to THERE best interest not yours. Remember, people want to know how much you care about them not yourself. So ask questions about that person like "Have you ever used an attorney before?" or ask the person to think of a situation in the past year or so they could have used an attorney. If they say "I never needed one" they are lying. We are conditioned to say that because we never witnessed the power in ever having access to one. Everyone signs things over the course of a year or two, everyone gets mistreated in certain areas of there life. ASK QUALIFYING QUESTIONS and tailor your presentation to it. Not everyone, like teenagers, will be interested in contract review, not everyone like the elderly will be interested in the Motor Vehicle coverage because they may not even drive anymore. [You get the picture]

Nothing is free in life. Stop looking for hand outs or that silver bullet and just follow what is laid out for you with Prepaid Legal. This 34 year old company has laid out the process in black and white and if you are obedient to it (10 core commitments) you are sure to succeed. Like many, you come into a network marketing opportunity thinking all you have to do is lay back, kick up your shoes and reap the benefits. No, you have to work to become successful. Again, "Successful people do what unsuccessful people won't do." Your skepticism will breed your failure.

And as for recruiters out there stop selling these unwarranted dreams to new associates. Stop selling yourself just to get a commission. When you do that your dollar does not go far. In fact you can almost guarantee many chargeback's. You can't tell someone that is making well under 30k that "yeah, in one month you can take home $10,000." STOP! Just let the new person know that part-time you can earn an extra income. Don't sell dreams that you will not be able to truly back up. Many people come into this business on a part-time basis and what happens is over the course of a year or two that person (depending on there development and themselves) will place themselves with the opportunity with doing it full-time. That's where the magic kicks in. But you have to be dedicated over a year's period. It can even take up to 3 years depending on your dedication.

No one had to sell me dreams with this plan. I just saw it as a necessity. And because I saw it as positive I really see the rest of the world seeing it the same way.

So in closing stop making up these lame excuses. I feel sorry for those of you who have a horrible upline. Statistics show that one of the reason's people drop out is because the person that brought them in abandoned them. If you guys or girls need any encouragement or information just shoot a reply to this forum.

Here's my 2-cents:

For the past 5 years or so I have entertained the thought of becoming a pre-paid legal associate. Ive been to numerous meetings, listened in on numerous phone calls, and have done untold amounts of research on the company. I currently am the Gen. Manager of a company that works with close to 30,000 rental properties accross 3 states. Needless to say I already have a job I love and just like the rest of a lot of you... I am a very busy person. The owner of the company I work for and I are close on a buisness basis as well as a personal basis... and we are always looking for other streams of income to supplemnet money we are already making that we might be able to invest in together. Well we finally took the PPL plunge and decided to start up our associate memberships. Up to this point, our upline had told us many things about how we get paid, what we need to do to continue to make money and the best way to grow the amount of money we could make. Keep in mind also that I was and still somewhat am a firm believer in the PPL services...AS LONG AS THEY ARE PRESENTED TO POTENTIAL CUSTOMERS CORRECTLY!!!!


This is one key problem that I see with associates of PPL is lack of training and lack of knowledge of what is being sold---too much focus on making millions and not how to do it the right way. Anyway, the same night we became associates, we already had 10 other people to register under us in line ready to go so that we could jump into a manager position immediately and make the maximum dollar possible for the memberships and associates we brought to the company. Our whole purpose of getting into this was to gather a large number of people under us that we could train properly and have them selling for us constantly while we were tending to our current responsibilities, Basically making money from the training we were doing and not the day to day pounding the pavement.

So yeah we wanted to get in make some quick money... then let others do the work for us and make residual income off of what they did... THIS IS THE WAY OUR UPLINE TOLD US WE COULD DO IT..... so that it would not interfere with our current buisness and the time it requires. Now after the initial nicities and hand shakes and congrats.... the whole picture started to unfold... like that if one of the people you brought in gets to the same level or above you... you cease to make any income off of that person... so that means you have to constantly be recruiting, bringing in fresh meat if you will... so that you always have a new stream of people under you. We wanted to build a good solid team of about 10 people... train them and stick with them so that any people they brought in would be trained by us as well and we all would make money off of each other. Lets face it... thats all any MLM company is about... making money... but if your going to present this as a part-time way to make a large amount of residual income, let it be known up front that if you dont constantly recruit, there wont be any LARGE in front of your INCOME. We feel that we were told half truths by our upline just so we could sign all 12 of us up so that she could get a quick buck. Not saying its like this everywhere but thats a lot of friends and buisness associates that I feel I screwed over because I didnt have the proper information from what I thought was a reliable source and I dont like being made to look like a fool.

I wont continue to put all of my issues out there because that would take a while..but this was the main one!

In closing I'll say this: PPL is not a screw-u-over, fly-by-night scam like others out there. Its a great concept and can work very well if you have the time to put in it. But PLEASE... to any current or future associates, managers, directors and above: TRAIN YOUR PEOPLE!!! DONT SEND OUT BAD REPS WITH BAD EXAMPLES!!!! PPL IS what it is REPRESENTED by. and if your company is represented by foolishness and ignorance than that is what your company will be. Once I have more time to involve myself in the whole thing I plan to get back into it...but right now I have a seriously bad taste in my mouth that I wouldnt have if my higher ups would have just been honest.

I've had my membership for two months now and I'm glad to have it. I've already used it a couple of times because of incorrect billing by other companies. This has managed to pay for the membership so far. The legal plans don't cover everything but if you are in the situation that falls under the 25% discount, call up your attourney. You don't have to pay an hourly rate if you don't want to. If you can't put some work into it, then you will have to pay. Your attourney can walk you through what you need to do so that they don't have to charge you. Granted, it will take more effort and work but you'll at least learn something from the experience.

I can't believe how much controversy there is over Pre-Paid Legal. Everyone has their own opinion and that's fine. I started as an associate for $95.00 and have been working part-time ever since then. I have made 5 sales and signed up 3 associates. I've gotten out of it exactly what I've put in. I only spend 5 to 10 hours a week doing this and sometimes it is less. If you are seriously thinking about doing this business, do your research. If you don't believe it will work, IT WON'T! If you truly want to make something of it, you will. I'm thankful that I have executive directors in my upline to help me out. They are almost always available to help me out. It takes time and effort to get anything out of it. I'd suggest not buying all of the materials and extras that are thrown at you when you start out. There can be a bigger cost if you put yourself in that situation.

I will hopefully hit director this summer and get some associates that want to work with a team of individuals. I'm doing fairly well with this but I'm not the only one in my area. Last week, a couple in Topeka moved their Pre-Paid Legal business into their own building. They started out in their home. Pretty soon, it grew big enough that they had to host their business briefings in the Ramada Inn. Well, that got too small too. I feel that Pre-Paid Legal works, but not for everyone. In the next two years, Topeka is predicted to have 4,000 associates. This isn't even close to the amount of members that will be in Topeka. I don't know how many there are right now but it will keep growing. People can use the service when they can't afford $200+ an hour. You never want to "sell" them the membership. If they don't see the benefits, then they won't buy it. If they don't see a need for it, they won't get it. I know that there are others who are successful in this business and I wish them luck. For those who aren't successful, you'd be better off doing something else.

"What have you done in your life time that was so great......that's a better Business model than PPL"

This is so easy. I tell the TRUTH! That is the best business model there is. When I tell my customers they have a product or service, they KNOW it's there. I was sold PPL just as thousands of other drivers were. What we were sold(in writing), versus what we actually got, were two COMPLETELY different things. When you are told it will cover "all job related issues", you expect it to do just that. NOTHING was covered, from speeding tickets, to overweight tickets, to arrest, to ANYTHING you can imagine. NOTHING!

"Do you have any better suggestions?"

Yep. Try telling the TRUTH.

" Do you own a company that's better than PPL? If so, what is it?"

I own a NAPA AutoCare Center. We have 9500 across the country. Whatcha got on dat? We get them by being the best in our field. You get yours by showing up for a sales meeting.

"Give us a suggestion that's a better idea than a company that produced over 50+ Millionaires in "The Millionaires Club. Robert of FL How many Milionaires have you helped achieve that status? 0? (There's your proof!)"

Proof of what? There are thousands of you drones out there trying to sucker friends and family into buying your Volcano Insurance. Out of those, 50 made it big? Yippeedoo! Mechanics have more assets than you'll ever know. I know I do.

"Roberts a joke:)p.s.Florida is a Licensed state and that means you have to take an insurance Exam to offer this useless product in your state Robert"

Well now...at least you are admitting it's useless. Good for you. Now try selling it that way. At least then, you'll be honest with the sheep you fleece.

" I ask you Robert,Do you have car insurance? And the last time you used it was.........? Do you have Life insurance? And the last.....u get the point. See u in court."

Yes, I have car insurance. I also have homeowners insurance on my homes. I also have life insurance policies. The POINT is, the car insurance was actually there to help when my wife wrecked her Chrysler. The homeowners was there when my house in NC was damaged by several hurricanes over the years. And I know my life insurance policies will pay my wife/children in the event of my death.

PPL was NEVER there when it was requested. The fact that YOU have even admitted the stuff is "useless", says it all.

Have a nice day.

Hey Robert of FL. I had a friend that was like you that said " I could find something wrong with anything". I said "Wow what a gift". Have you ever noticed that there's never been a statue of a critic:( Why? Because it doesn't take much effort to try to dream steal. Fellow PPL associates just ignore this Dream Stealer! I ask you this Robert of FL on behalf of all PPL associates. What have you done in your life time that was so great......that's a better Business model than PPL? That all of us PPL associates should gravitate to since we shouldn't build our PPL dream................

Do you have any better suggestions? Do you own a company that's better than PPL? If so, what is it? Where you written up in Forbes? If so do you pay more than PPL? Give us a suggestion that's a better idea than a company that produced over 50+ Millionaires in "The Millionaires Club. Robert of FL How many Milionaires have you helped achieve that status? 0? (There's your proof!) So who should we listen to fellow PPL associates? Roberts a joke:)p.s.Florida is a Licensed state and that means you have to take an insurance Exam to offer this useless product in your state Robert. I ask you Robert,Do you have car insurance? And the last time you used it was.........? Do you have Life insurance? And the last.....u get the point. See u in court

Here is a piece of advice: For all of you out there reading this, you don't need other people's unprofessional opinions such as the one above. You should look into the company and investigate it for yourself. There is plenty enough information about the company on the Internet that you can find. There are Associates across the US and Canada. Find one of them and ask all the pertinent questions. If you don't ask questions then that is where the break down occurs. I can tell you that I only want professional people on my team and I am quite sure all the other Pre-Paid Legal Associates do to.

People, stop listening to all the few competitors we have out there. Many companies have tried to copy Pre-Paid Legal but they failed. Those of you who signed up for Pre-Paid Legal and are now saying that they had problems. Let me ask you, are they problems or excuses? I wander where some of these people who are criticizing Pre-paid Legal Services, Inc. where they work , what they really do, and/or if they are really just competitors of Pre-Paid Legal Services, Inc. I can tell you from my own experience that Pre-Paid Legal Services, Inc. is an outstanding company. Here's one good way of knowing - go to the NYSE and look for the PPD. Pre-Paid Legal has been around for over 33 years. You will always have negative people, the competition, and the unprofessionals. You should really just see for yourself.

Paul Sergent
Retired U.S. Army

Tim and Sherri, just too funny

First, I will say again, this Volcano Insurance you sell is worthless.

"In the Alaskan crabbing industry the skippers and crew don't get paid a million dollars for going out and coming back with 100 crabs, they get paid a 1 million for coming back with 100,000 crabs($10/crab). Which are sold to restaurants by distributors for 1.5 million($15/crab). Which are then sold to us consumers to dip in butter for $20+/crab. There is your same 5 dollar margin. This process wont work either if every crabber comes back with an empty hold cause he didn't work hard and stick his neck out to braves the seas. Now what business model works best? Time will tell all."

Here's the difference Tim. The crabbers actually turn around and sell a product that is worth something. You know it's a crab, and you can do something with it. It's real. That VI you sell is not. You get money each month for something that has ZERO value. PPL covers NOTHING of value, even though it is sold as doing so. Nobody needs some attorney to look at a Lease agreement. Anyone can read one, and understand how much, and how often.

"If i had a choice whether to buy the 'clapper' from TV ads and PPL I would in a heartbeat take PPL."

This goes back to the above paragraph. At least if you bought the clapper, you'd have something that worked.

"Members: You cannot be mislead. The brochures themselves detail the coverage in plain black & white. It's preventive services."

LMAO! Everyone who buys this crap is misled. The brochures are pure fiction at best, bold faced lies at worse. Preventive services? That's not how it's sold. Nobody needs an attorney to "prevent" anything. They need attorneys because something happened. Try to be less funny.

"You cannot have expectations as a member for a product that is beyond what it declares. That is your fault otherwise."

Sure. It's the fault of every person who bought one of your useless policies. It really is. I agree. Even I was stupid enough to believe the person hawking this fraud. I was stupid for believing what was PRINTED on the contract. I saw the light though.

"I have empathy for those who feel that PPL isn't what they thought, because it is a wonderful service and excellent money."

Yep. It's excellent money for the seller. It's a wonderful service for the attorneys who are on the list. They get paid for doing absolutely nothing that requires an attorney. I'll bet bank robbers use that same thought process.

"PPL is listed on the stock exchange, has been in business for over 30 yrs and employers provide PPL as a paid/voluntary employee benefit. *one is highmark blue shield. State atty general's offices endorce PPL. Many local state & govt offices offer PPL as an employee benefit too, as do trucking companies."

ENRON was listed on the Exchange too. I was an employee of a truck company when I was sold this load of crap. Speeding ticket? Nope, not covered. Overweight? Nope, not covered. "ANYTHING employment related"(actual brochure listing), nope, NOTHING covered. They'd be glad to see if your "basic" Will is tended to. YAY! Of course, anyone who owns more than a suitcase full of stuff, need far more than what PPL will handle inregards to your Will.

"For the single mom w/o a car - you can bypass the fast start training class. watch your cd/dvd. get 5 memberships and 1 business assoc and your qualified. if you think no one wants PPL, youre wrong. you can start with the PTA at your kids school. you can start at your local food mart, hair/nail salon even bowling league. There is womens organization chapters, etc that you could start with also. its not hard. but you have to exert some effort."

That's some serious training schedule there. WOW! The high level of professionalism must be staggering. The rest of the paragraph is more like a "How to meet women" article in a magazine, than "How to sell something that nobody can live without". You forgot Church, and the Park.

And finally, the best one yet:

"FYI: PPL DOES cover divorce, child adoption/custody & bancruptsy...but that is for the group (employer) coverage for over 300 employees."

So, if you are an employer, and can sucker 300 people into paying for this Volcano Insurance, PPL will actually do something for the EMPLOYER(not the employees) that requires an Attorney. I told you earlier not to be so funny. Let's do the math...300X$26=$7800. That's terific Sheri. If the employees give up $7800/month from their paychecks, the Boss gets to use an Attorney. He'll need one. Eventually those same 300 employees will all realize how badly they got screwed by you(with his assistance) and he'll be sued for FRAUD. Don't worry, you'll be sitting next to him in Court. That's called Class Action. Here's a hint...PPL will NOT defend you. It's not covered.

"You get what you put into it. Plain & Simple."

Very true Sheri. You get what you put into it. Want to know what I put into my toilet? The same thing PPL offers for $26/month. The difference is, mine was free, and when I hit the handle, it was all gone.

To all those in grievance;

1.) Business Associates: This is a business. All business' are risky. It takes time, effort and money to make it succeed. You get out of it exactly what you put into it.

Your 'sponsor' may have left you high & dry, but that doesn't mean you're left out in the cold. You have business brief metings to consort with other teams. You have the home office to call. You have your dvds & cds. There ARE options.

This is a sales position. Many aren't sales material. You have to have the type of personality. It's not all the product, it's the salesman and also in the 'delivery'.

If i had a choice whether to buy the 'clapper' from TV ads and PPL I would in a heartbeat take PPL.

2.) Members: You cannot be mislead. The brochures themselves detail the coverage in plain black & white. It's preventive services.

I have used PPL to where you could possibly say Ive 'abused' it.It has saved me money every time.

You cannot have expectations as a member for a product that is beyond what it declares. That is your fault otherwise.

You cannot have expectations as an independent associate for training/sales productivity; its a business, your business. You're responsible for your own business. How you run your business is up to you.

I have empathy for those who feel that PPL isn't what they thought, because it is a wonderful service and excellent money.

It is not in any means a pyramiad scheme. In order ffor that to occur you have to have a downline. PPL encourages a downline for overrides (as a bonus) however it is not imperative.

PPL is listed on the stock exchange, has been in business for over 30 yrs and employers provide PPL as a paid/voluntary employee benefit. *one is highmark blue shield. State atty general's offices endorce PPL. Many local state & govt offices offer PPL as an employee benefit too, as do trucking companies.

For the single mom w/o a car - you can bypass the fast start training class. watch your cd/dvd. get 5 memberships and 1 business assoc and your qualified. if you think no one wants PPL, youre wrong. you can start with the PTA at your kids school. you can start at your local food mart, hair/nail salon even bowling league. There is womens organization chapters, etc that you could start with also. its not hard. but you have to exert some effort.

For the one who said he had to put out money for brochures etc. as i stated earlier its a business, you have expenses. thats your advertising. if you were an owner of a store you'd advertise right?

FYI: PPL DOES cover divorce, child adoption/custody & bancruptsy...but that is for the group (employer) coverage for over 300 employees.

I'm an IBA, and I'm doing PPL at my leisure. I'm making a decent supplement to my present retirement income.

You get what you put into it. Plain & Simple.

Over the last 8 hours I have sat here and read everyone's response for and against PPL. This argument has lasted for 3 years and 6 months with many people posting over nearly the whole time period. WOW! Most people have articulated their arguments very well. However the constant back n forth with no progress made me want to bash my head against the wall. j/k Can't we all just get along? Those who fail suck up your loss and those who drive forward to make it work congratulations.

From everything I have read, if I had more time available to network and create the possibility for success I would probably attempt the PPL deal. I think I am good speaker and can sell items. Yes I do think PPL is arranged in a pyramid fashion. I think it is a way for them to get around actually having to pay associates a salary to do the same work. You get paid for what you produce. Which actually isn't a bad idea!

In the Alaskan crabbing industry the skippers and crew don't get paid a million dollars for going out and coming back with 100 crabs, they get paid a 1 million for coming back with 100,000 crabs($10/crab). Which are sold to restaurants by distributors for 1.5 million($15/crab). Which are then sold to us consumers to dip in butter for $20+/crab. There is your same 5 dollar margin. This process wont work either if every crabber comes back with an empty hold cause he didn't work hard and stick his neck out to braves the seas. Now what business model works best? Time will tell all.

As for Nick - Lafayette, Louisiana we can all tell how much he knows by his outstanding grammar and spelling. I suppose that's what we get from the bayou though. Everyone have a great summer!
Ciao

I'm an independent associate for PPL since 2001. I did my due diligence and researched the company, the services being offered as well as the business opportunity being proposed before I committed. I was very skeptical and concerned.

I found that I was not misled in anyway shape or form. I have progressed through the compensation plan by following the system that was outlined to me. I have received the services as originally presented to me and have been very greatful. The Identity Theft Shield has helped us twice now and saved us from a great deal of potential harm and expense.

In reading all of the rip off reports posted to date I find a common theme that I found to be true in my own experiences with PPL. Unfortunately we have people who become associates who are not willing to follow the guidelines and policies of the company. We have people who become associates and unscrupulously will try to find a way to make a quick buck by overselling the opportunity and overpromising the service. They make the quick buck and then get out or are removed by PPL. When any business has people who are marketing the service they are going to get the good and caring with the bad and scammers. They are going to get those who provide the service who truly care and do a great job of delivering the service and then there are others who don't. I don't know how you can avoid that when you open this up to the public like PPL has. PPL has taken a step to try and head some of this off by doing background checks for all new associates.

I have seen at the national and local level where those who do not follow the policies and guidelines are reprimanded up to the point of removal. I have seen where attorneys and law firms who do not comply with the customer service requirements are promptly dealt with.

As far as commissions are concerned, the associate has a choice of having earned commissions paid in advance on a paid as earned basis, one year or three years in advance. If the associate attends the Fast Start classes they are told of this and warned of having chargebacks to their commissions. We are cautioned to activate memberships that are wanting the service for the long haul. We are warned that if a potential member indicates they only want the service for a specific problem and then they will drop it to not activate that membership or be aware of what the consequences are. Frankly I have over 600 members in my portfolio with 80-85% retention rate. If if I have a membership that does not stay activate for the period of time I received the commission for, how can I expect to retain what I have not earned?

When I bring a new associate onto the team I continually advise them that our business opportunity is simple but it is WORK! I caution them to not start buying every CD/DVD, magazine, brochure, and other items offered in the beginning. A simple flyer and website that is provided at no cost for the 1st 30 days is all one needs to have to share the information of the services offered and market the program. The format for the flyer and website are already prepared for the new associate. Furthermore the new associate as the 1st 30 days of becoming an associate to make it work and if it doesn't they can return all of the material received to PPL with a letter of resignation and have their Associate fee refunded.

This business opportunity is not for everyone. The potential recruit needs to know that and make an informed choice. Still there is a guarantee for the 1st 30 days.

I'm glad that my business team, The Advantage Group, strives to educate all new associates and members with the proper and complete information of what is and what is not covered by the program. I have been heartened to see Governors, Attorney Generals, Business Leaders and members of Congress present at our PPL Conventions and praise what PPL is trying to do in America today with it's legal plans, identity theft shield and business opportunity.

I was never promised to make any specific amount of money, just a simple program and the satisfaction of helping others while earning an income. By doing this I have more than earned what I have invested into my own Home Based Business with PPL. Now I'm constantly recruiting for new associates who are willing to follow the system I was presented with and follow successfully. If they want to market the program any other way, I warn them they are likely to not be as successful as they can be and do not tolerate anyone on my team who misrepresents the company, the service or the opportunity.

Seems like PPL needs to have more associates who are responsible and accountable.

PrePaid Legal has been the defendant in class action lawsuits related to being a pyramid scheme in Wyoming, Alabama, Oklahoma, Mississippi, and many others. It's own share holders also filed suit against it due to faulty accounting practices outside accepted practices which allowed the company to cost out three year plans over three years when in fact they had been canceled. One third of new memberships usually are associates, while the retention rate of members over the first year is something on the order of 50%. If you are an associate, chances are you're drowning in charge backs if you've signed on for the long run.

Daniel,

You seem like an educated person. You spoke your opinion and didn't feel the need to bash or use derogatory words.

I do have two questions and one comment for you.

You said that you receive a lot of complaints about the service so I was just curious what you do or why you receive these complaints. Lawyer?

Have you actually seen the service and what it offers?

My comment is that you are 100% right about America needing a legal insurance, which is exactly what PPL is. No other company in the US has any thing remotely close to an insurance plan like PPL. It is 34 years in the making and it only gets better each year as law firms that don't produce the results that PPL wants are replaced with ones that do.

One more question I just thought of. Have you ever heard anyone complain about his or her Health Insurance, Car Insurance, or Home Insurance? I hear it all the time. So how do you expect PPL to offer something that people won't complain about? That's all Americans do is complain about everything. 50 years ago people though HMO's were stupid and would never work.

The reason people think that it isn't worth the money is because they think it will cover everything and it doesn't. They don't understand how the service works.

I have personally used PPL 3 times in the last month that would have cost me about $300 if I had used a regular attorney. I've already paid for the next year of service in savings. How can you say that it's not worth it?

THE PROBLEM W/ PPL IS THAT IT'S MAIN FOCUS IS THE 'TUPPERWARE SYNDROME' PPL SHOULD BE LOOKING INTO THE LEGAL SERVICES IT OFFERS IT'S CUSTOMERS. I RECEIVED TOO MANY COMPLAINTS FROM PEOPLE WHO HAVE PPL AND FEEL THEY ARE PAYING A MONTHLY FEE FOR BASICALLY NOTHING. THE LEGAL ASSITANCE YOU RECEIVE IS NO WHERE WHAT IT SHOULD BE.

PRE-LEGAL IS A PYRAMID SALES COMPANY. THE PRIORITY IS SALES! IF YOU'RE IN LEGAL TROUBLE, I MEAN LEGAL TROUBLE PPL IS NOTHING MORE THAN A LEGAL REFERRAL SERVICE. THAT'S IT!

THIS COUNTRY NEEDS LEGAL INSURANCE, IT'S A GREAT CONCEPT. THE TRUTH IS YOU GET WHAT YOU PAY FOR.
WE NEED REAL LEGAL INSURANCE IN THIS COUNTRY W/ REAL POLICIES AND COVERAGES, YOU,RE PROBALLY BETTER OFF PAYING INTO AN ATTORNEY'S RETAINER FEE PROGRAM. YOU DON'T HAVE TO MAKE PPL RICH ALSO!

Nick,

What are you talking about? You are saying things that aren't even close to being true.
The (in simple terms) must not have been simple enough for you to understand. It's not a franchise fee. It's a fee you pay so that you can sell for PPL. A franchise fee is just the easiest way to compare it and NO they don't teach us to say that to people interested in selling it. A one-time fee. I'll say it again. A one-time fee is what it cost to sell PPL. You are confusing the actual membership of PPL, which covers you for various legal services. You don't even have to have a membership to sell PPL. Anybody with any common sense will tell you that it's hard to sell something that you don't even use yourself.

You proved my point by asking me if I watch TV or listen to the radio. You are just like the rest of America who believes anything they hear on TV, radio, or read in the news.

I feel sorry for you while you will work in corporate America for the rest of your life making money for someone else instead of yourself.

Nick,

What are you talking about? You are saying things that aren't even close to being true.
The (in simple terms) must not have been simple enough for you to understand. It's not a franchise fee. It's a fee you pay so that you can sell for PPL. A franchise fee is just the easiest way to compare it and NO they don't teach us to say that to people interested in selling it. A one-time fee. I'll say it again. A one-time fee is what it cost to sell PPL. You are confusing the actual membership of PPL, which covers you for various legal services. You don't even have to have a membership to sell PPL. Anybody with any common sense will tell you that it's hard to sell something that you don't even use yourself.

You proved my point by asking me if I watch TV or listen to the radio. You are just like the rest of America who believes anything they hear on TV, radio, or read in the news.

I feel sorry for you while you will work in corporate America for the rest of your life making money for someone else instead of yourself.

I 18 years old and been working as a Pre-Paid legal associate for two-weeks and i've already made over $1500 dollars. I had two PBRs on consecutive Saturdays and let my upline do all of the work for me. I absoulutely believe in the product because i've used it twice myself and never felt one that it was over sold.

Ohhhh a Franchise fee! So thats what you call it huh? Is that what the PPL magazine told you to tell potential recruits? Dude you a dummy. There are very specific rules about franchises and this PPL has NOTHING to do with any franchise. Again PPL misrepresents ITSELF with bogus information to scam the masses. You show me a legal document saying PPL is offering franchises for anyone who wants it for a monthly fee of about $35. LOL Dude like I said you a dummy and just prove to us all evem more what a crook of crap this PPL is.
Then you say the reason why PPL makes a big deal about themselves being on the NYSE is cause its almost impossible to scam people. LOL Dude do you have a TV or radio? So many companies are scamming us its just sick. Thousands of people lost there life savings from Enron, MCI and other NYSE companies which have been around just as long as PPL. So PPL isnt some almighty company that can magically be trusted just cause its on the NYSE. I could care less if its on the NYSE. And just by preaching it is on the NYSE says that PPL is reaching out to people with fake arms trying to paint a bullshit picture for all to see.
Then you say 80% of Europe has something simular to PPL. WoW big deal. Hey China is 100% communist. Would you like to start implementing some of there ideas too! USA didnt become the number one place to be on the planet by copying what other countries do. So Ill end this by saying its bullshit for anyone to have to pay for a job. You cant compare a real job with supervisors and salesmen to a membership MLM company with a crappy product and lame a*s recruiting tactics.

I hear over and over, "why should I have to pay to get a job Probably because it's not a job. You are paying a franchise fee (in simple terms) to be a part of a company. You own your own business. You set the hours, you do the work or you can choose to hire other people in the form of recruiting to maximize the effort. You don't have to recruit people if you don't want too. There are people in the business that only sell group plans to companies and make a living doing that.

I don't care what industry, company or product you look at, there will always be people who misrepresent the company or product.

The reason people make a big deal about being on the NYSE is because when you are publicly traded, you have to show all your accounting for the world to see and therefore makes it almost impossible for a company to be scam. PPL has been around for 34 years. 34 YEARS! PPL has consistently increased is sales every year.

80% of Europe has some kind of Pre-paid legal service. Look it up! It's a fact. I guess that means 80% of Europe is stupid for falling for it.

If we used everyone's definition of a scam that is posted on this site, then every company in America is a scam. (Or pyramid scam) one person at the top, managers in the middle, and salesman at the bottom. Sounds like a pyramid scam to me.

We are raised in the US to believe that if someone says that this happened then it has to be true. I mean the News has never been wrong. Doctors have never misdiagnosed a problem before. It's posted on ripoffreport so it all has to be legitimate problems. WRONG!

The only people being fooled are the ones who work 9 to 5 so someone at the top can be rich. Wake up people and realize that you yourself are the only ones who will make you successful in life. PPL is just one way for people who still have dreams to make something of their lives.

Get busy dreaming, or get busy dying.

I hear over and over, "why should I have to pay to get a job Probably because it's not a job. You are paying a franchise fee (in simple terms) to be a part of a company. You own your own business. You set the hours, you do the work or you can choose to hire other people in the form of recruiting to maximize the effort. You don't have to recruit people if you don't want too. There are people in the business that only sell group plans to companies and make a living doing that.

I don't care what industry, company or product you look at, there will always be people who misrepresent the company or product.

The reason people make a big deal about being on the NYSE is because when you are publicly traded, you have to show all your accounting for the world to see and therefore makes it almost impossible for a company to be scam. PPL has been around for 34 years. 34 YEARS! PPL has consistently increased is sales every year.

80% of Europe has some kind of Pre-paid legal service. Look it up! It's a fact. I guess that means 80% of Europe is stupid for falling for it.

If we used everyone's definition of a scam that is posted on this site, then every company in America is a scam. (Or pyramid scam) one person at the top, managers in the middle, and salesman at the bottom. Sounds like a pyramid scam to me.

We are raised in the US to believe that if someone says that this happened then it has to be true. I mean the News has never been wrong. Doctors have never misdiagnosed a problem before. It's posted on ripoffreport so it all has to be legitimate problems. WRONG!

The only people being fooled are the ones who work 9 to 5 so someone at the top can be rich. Wake up people and realize that you yourself are the only ones who will make you successful in life. PPL is just one way for people who still have dreams to make something of their lives.

Get busy dreaming, or get busy dying.

I hear over and over, "why should I have to pay to get a job Probably because it's not a job. You are paying a franchise fee (in simple terms) to be a part of a company. You own your own business. You set the hours, you do the work or you can choose to hire other people in the form of recruiting to maximize the effort. You don't have to recruit people if you don't want too. There are people in the business that only sell group plans to companies and make a living doing that.

I don't care what industry, company or product you look at, there will always be people who misrepresent the company or product.

The reason people make a big deal about being on the NYSE is because when you are publicly traded, you have to show all your accounting for the world to see and therefore makes it almost impossible for a company to be scam. PPL has been around for 34 years. 34 YEARS! PPL has consistently increased is sales every year.

80% of Europe has some kind of Pre-paid legal service. Look it up! It's a fact. I guess that means 80% of Europe is stupid for falling for it.

If we used everyone's definition of a scam that is posted on this site, then every company in America is a scam. (Or pyramid scam) one person at the top, managers in the middle, and salesman at the bottom. Sounds like a pyramid scam to me.

We are raised in the US to believe that if someone says that this happened then it has to be true. I mean the News has never been wrong. Doctors have never misdiagnosed a problem before. It's posted on ripoffreport so it all has to be legitimate problems. WRONG!

The only people being fooled are the ones who work 9 to 5 so someone at the top can be rich. Wake up people and realize that you yourself are the only ones who will make you successful in life. PPL is just one way for people who still have dreams to make something of their lives.

Get busy dreaming, or get busy dying.

I put a resume on the net. Next day I recieved an invitaion from JR Jackson to watch him talk about PPL in a free confrence website with others. The conference was basically a slideshow showing old paper clips of PPL being on the NYSE, showing clips from nespapers saying there is a big growth in identity theft. Basically it was a presentation to make you believe (by scare tactics) that everyone needs some kind of help or protection for identity theft and laws suits. Every now and then Jackson would throw in some personal info about his Dodge Viper having 500 horses and getting a speeding ticket. He said he got the ticket fixed using PPL attorneys. He (cough cough bullshit) said he was going 160 mph and had the ticket dropped to a $40 non moving violation. LOL This was so stupid to say because I know that after 90mph he goes straight to jail, licensed revoked and gets his car impounded. He made it seem like he was GOD for having PPL Anyway. The dude seemed like a fast talking salesman. He went on about how rich he is and how everyone in the conference could be rich. LOL I heard this before in a conference for selling water softners. So I entertained the idea of selling this potentially great product until I actually read what the product covers. LOL this is about as worthless as a dead cat. I know allot of you keep saying this is all worth it but I dont see how it is when I have to still pay retainer fees and %75 of the bills. It excludes some of the most important and saught after benefits people want and need. I gotta tell you that if any life insurance company paid just %25 of the benefit then they would get sued. But oh wait I see PPL is getting sued! So the people that say they like this job they just a bunch of idiots. Especially if they think this is worth any money. There are some really common sense points to think about when looking for a job. One question is why should I pay my boss to get hired and keep my job? Isnt that illegal? Oh PPl must have found a loop hole. LOL And when I sale a product will I get paid for it or will I get charged for it when the buyers returns it? And then there is the self motivation. Do you have what it takes to get up in the morning and go door to door or to big companies and offer this product? Do you have what it takes to convince people that what you have to offer is what they need even though the small print says it covers almost nothing! I see people saying they saved mone by usung PPL but I cant tell if they are working for PPL as PR reps or actual real people. I dont know anybody who ever used PPL personally and ever saved a dime. I dont even know one person that bought this crap. And any questions I ever had concerning a lawsuit I called and had a 1 time free counsultation with a lawyer. I asked Jackson how I would get paid since I need money to live. Took about 5 emails to get some shady information cause all he wantd to do was get me on the phone and fast atlk me into buying a membership. But I am not stupid. I asked through emails. No reason why someone cant email info you request. turns out I have to be a manager or director to make any money. All they do is recruit people all day and have them either recruit even more people (pyramid scheme) or sale product which sounds just like the kinda bullshit I want to stay away from. Allot of you say its not illegal. Maybe true but its in a loophole that makes it legal and is almost excatly like an illegal pyramid scheme. So I could sale 100,000$ worth of prodcut one month and next month I can potential get all returns and get charged back the 100,000$. Sounds fun right? LOL Not to me. So Jackson has these conference calls everyday 3 times a day and recruits people and makes money off these membership fees people have to pay. If someone decides to sale anything its a small benefit but what he he doing is what the company actually promotes which is MLM. You have to constanttly recruit over and over and get paid from the memberships that you recruited. Sure if you want to make a couple bucks then sale the identity theft product. But what the company really wants and honestly the only way to make any money is to make more memberships. Meaning you hire or recruit more people whicj in turn must to the same exact thing. Its a never ending cycle. Just like the stuffing enevelopes crap excpet this offers a lame product which makes it legal. Its a freakin joke. Yea they do have people makeing money doing this but I know people selling crack. Its its both something I dont want to be a apart of. To give you a real good picture about what you must do to make money look at it like this. This is exactly what you would have to do if wanted to work PPL and make any decent money. Say you were a car salesman and sold a car. To make any real money the person you sold the car too would have to resale that same car. Then that person would have to resale that same car. And everybody who ever resold that one car gets a small portion of the money that was recieved for selling it..LOL Sounds like one thing that nobody like. TAXES...and hey thats legal but do you really like that idea? No. Its all in the way PPl presents itself and the stupidity of the person presented too. Are you stupid? Not me..LOL

Here are 34 reasons + 1 not to listen to the great on this Rip-off report Vera and most college students, by the time we're 18 have spent 20,000 meals with our parents who loved and cared about us. Wouldn't you agree we've spent 20,000 hours with the wrong financial planners?(Being an Independent Associate is NOT a JOB!). All the naysayers pay attention.34 ... Questions: 1. How much do you earn from your job per year? 2. How much will you make next year if you don't work? 3. How are you protecting your Identity? 4.Ok does City Bank or any of the other protection services restore your Identity? 5.If you're pulled over for outstanding Warrants and they're not yours because your drivers License(not credit)identity was stolen..... who are you going to call? 6.With Pre-Paid Legal services did you know you can call your Attorney 24/7? 7. WHO ARE YOU GOING TO CALL CITYBANK?
8.If you are sued by someone on this rip-off report for offending them,what will you have to do? 9.Right hire an Attorney right? Guess what? 10.If it's a Pre-Paid Legal Associate and you sue them,their first year did you know they already have 75hours of trial defence time? 11.Is anybody getting sued in America? 12.If you accidently kill someone driving will you get charged criminally? 13.Does your Volcano car insurance cover that? 14.When's the last time you used your car insurance? 15.Why aren't you calling Allstate,State Farm,Dashers,21st Century and telling them they're a Rip-off because you haven't used it in 12 years? 16.Did you know when a PPL Attorney fights your ticket and WINS that keeps the points off your record and keeps your car insurance from going up for 3 years? 17. Did you know a good Attorney knows the Law? 18. Did you know a great Attorney knows the judge;-) 19.Doesn't it make sense to pay a whopping $35.95 a month for that reason alone? 20.Or should we all go get Cable and pay $85 a month so that gives us peace of mind? 21.Did you know if you don't have DREAMS you end up working for those that do? 22.Did you know GM had over 30,000 EMPLOYEES that lost their JOB? 23.Was it really THEIR job? 24.Did you hear SONY layed off over 10,000 employees? 25.Do you think working at a JOB is safe and secure? Yes? 26.Does any employer have you sign a contract that says "no matter what you do we won't fire you"? 27.How secure is that? 28.Do you think the Sony,Delta and GM former employees might might take a look at an MLM where you own your own Business? 29.Is your JOB secure for sure? 30.Did you know MLMers own their own Business? 31.Did you know there are a bunch of TAX write offs available when you own your own Business. 32.Did you know a rip-off is when you get a check for $1200 for the entire month at a JOB and your take home after Taxes is $740? 33.Did you know employees pay Taxes first,Busines owners last?
34. Did you hear DELTA AIRLINES 30,000 EMPLOYEES out of work? 35. HAS THERE EVER BEEN A STATUE OF A CRITIC? EVER? Fellow PPL Associates....you can't reason with uneducated people with no common sense. When these critics lose their JOB they'll SEE.....When they get treated wrong by a retailer and say "You're gonna here from my Attorney" and they don't have one.....they'll SEE. When they see the red and blue lights in their rear view mirror,they'll wish they knew one of us PRE-PAID LEGAL ASSOCIATES ;)....I'm back.......Jay BRONZE

EXECUTIVE DIRECTOR

I was also once approaced by a Pre-Paid Legal Service representative. He went through his little presentation, and gave me a CD. He told me about how it worked, and I figured out it was a sales job. But, I am in college, and I know better than that. There might be a job out there where you just sit on your a*s and make money, but not this one.

As I said, I am a college student, so I make sure I don't get scammed, since college takes all my money anyway. So, another student advertised about this job with the NYSE, so I contacted him, then he told me that it is a job with a company that is listed in the NYSE. So I talked to him, and he transferred me to his supervisor, who then scheduled an interview with me. I went, he told me about the company, and it sounded all good, a bit confusing, but whatever, it was a job, then he told me that I needed to pay for a membership first. So, I let him talk. He invited me to a workshop which I said I might go, then invited me to a retreat which I said I might go. And, politely said Goodbye, thank you for your time.

OKAY! First of all, if you have to pay to get a job, that's not a good sign, because you get a job to make money. It's just strike one.
Second of all, he flashed me statistics about stocks, and told me about PPL on NYSE, and listed on Forbes as one of the fastest growing companies from 2002! It was 2005. Stocks change everyday, so for him, to flash me reports of the their stock report from 2002 is stupid!
Third, just because it is listed on NYSE and some governments buy it, this doesn't mean it's legit, and financially stable, or that its practices and methods are fair. Franly, there is something called bad accounting, basically, a company could lie, inflate its stock, or sell its products, claim bankruptcy the next month, and never have delivered their products, nor reimbursed those who were cheated. It is undergoing investigation, and when I first looked at it, I thought even if I were an investor, there is no way I would invest in it. Its member fees seem to be its primary income, and the way the salaries works is how higher you up in the pyramid, as the sales people do insist that you have to buy a membership in order to be eligible to sell it, which I think is crap!
Yeah, so in terms of buying from this company, just make sure you use it, because I feel it'll go down any minute. And, wokring for this company, which I thought I might have, but realized it was stupid, just be careful. Make sure you understand its a sales job, and that you'll be convincing people.

Lastly, just make sure to research anything thoroughly before you get into it, otherwise you're taking a risk. I was in college at the time, so I didn't have time to commit, and if I did, I wanted to make sure it would be profitable, and worthwhile. I didn't get that from what I read, so yeah, that's how I came to my decision.

This is in response to the last few post on this report. I have read almost all of the postings on this report and can say that most of these complaints involve a member who was promised a service that is actually more than what Pre-Paid Legal was designed to do.

There is one flaw in the sales delivery. Sales associates are given a commission based upon the product (or service) that is sold. I will give an example. If a dishonest person becomes an associate, he then goes out and sells as many memberships as he can in a short period of time and tells people what ever they want to hear to get the sell. 2, 4, 8 months later when the member tries to use the service, they are disappointed to learn they didn't get what they thought and by then the sales associate is long gone with commission checks already paid out. This causes bad press for both the company and service.

If an associate does any unethical or illegal business, Pre-Paid Legal will shut them down and possibly sue them. They don't want bad press like what is on this site so they don't take it lightly.

If you want information on Pre-Paid legals service plan then visit their website at prepaidlegal.com.

As to Denny's comments, most lawyers will give free advice over the phone because they want your business, but ask them if you can call them 5 times a day and ask them anything and see if they will take your calls then. Then ask them if they will review any documents you have for free all year long. There is value to the service for many but not all.

If anyone has complaints about service they received from their provider law firm then they need to fill out a survey and submit it to Pre-Paid Legal for review.

Pre-Paid legal is like an insurance plan for legal services. Health insurance requires co-pays when you visit the doctor. Pre-Paid Legal requires reduced payments for some areas of law.

So in short, a few bad apples can ruin it all for everyone.

I see that you did not and are not going to provide even a smidgen of documentation. That tells me something.

Unless a person has a hugely complicated estate, a legal will can be written on a napkin in a pinch. Any person who has a hugely complicated estate has lots of money and does not need to "insure" themselves against legal fees with this penny-ante plan. There are many very detailed templates for Living Wills now that allow a person to detail the level of desired lifesaving care very accurately.

Unless a business overcharges me more than $5000.00 (limit in TX) I am going to sue them in small claims court. Again no lawyer needed. If i am in the right and the business is in the wrong, I believe in my own ability to present that to a judge very clearly without help.

No individual in their right mind finances a vehicle to another party...are YOU insane? An individual would rarely have the resources to trace the other party when they simply drive away never to be seen again. Car financing belongs to the big boys. PPL surely will not help me find the car should the buyer skip town.

Oh, I see. Pre-Paid Legal just hires "associates" and then takes absolutely no responsibility for what said associate might do or say. So if an associate lies, PPL just shrugs its shoulders and says "Too bad".

And I am not getting the idea of "Anything" from people who have had this plan. I am getting "Nothing" from them.

So I went looking:

CBS Marketplace says the plan is limited to one letter per situation. That is laughable as any legal letter will draw a rebuttal and then the person gets to start paying. Then it compares PPL to an MLM. Ouch!

CBS Marketplace: (I have altered the link to preserve formatting on this site. Just copy and paste it as one line into your browser header address bar)

http://www.cbc.ca/consumers/market/
files/money/prepaidlegal/

Then there is a whole site named "Beware of Prepaid Legal" sponsored by Trust CanLaw (out of Canada where PPL is from) It is eye-opening and says that PPL charges for things a lawyer will tell you for free in a consultation. Double Ouch!

http://www.canlaw.com/prepaidlegal.htm

Then there is this site which seems to accrue Pre-Paid Legal reports of all kinds. There is a mix of things here, but it seems that PPL gets sued a lot. While some suits have been dismissed, the fact that they are in hot water so much points out that there must be more than one or two unhappy people around.

http://www.mediamoogle.com/

Weighing the facts, I would say this plan would not benefit me at all. A "one-letter" lawyer is useless. If I am going to have to pay all the rest of the way through, I might as well pay for that one letter, too.

Denny, you seem to believe in PPL, but you would not be able to ever sell it to me. I see it as a plan to give people false sense of security about their legal exposure. I have to believe that not all associates are being straight up when they present this plan as there is just too much controversy surrounding it.

I would advise everyone to read everything thoroughly before committing to Pre-Paid Legal.

End of analysis in re: Pre-Paid Legal

so complain to PPL that your provider lawyer isn't doing what is offered under the plan. They can refer you to another lawyer, and they will take the brunt of the cost, and re-evaluate the status of the provider lawyer that they had referred to you.

Dont know why people sit and complain and complain, but again, do nothing.

I'll simply use my own experience with this Volcano Insurance.

"Now what? Now I have representation. I am guaranteed a lawyer in case I need them. I can turn to them for ANYTHING. Can you see that word, Robert. A-N-Y-T-H-I-N-G!"

Nope, I was told repeatedly, "we don't cover that".

"If I get into an accident that is no fault of my own, but the party is saying so, I have access to my lawyer".

Nope. The truck company ended up footing the bill for that one.

"If I get a traffic ticket, and want to contest it, I can turn to my provider lawyer to handle it."

Nope, I was told it wasn't covered...never given an actual reason before the other party hung up. I was ticketed for being in the middle lane with an empty rig going down the "Grapevine" in California.

"I CAN turn to my provider lawyer ANYTIME for pretty much any reason; some services will be free, some at a cost (discounted rates)."

Yep, that much is true. I was always able to talk to someone who told me NO!

That sure was some great Volcano Insurance. It was $26/month at the time. Multiply that by about 1000(number of drivers and O/O's with the company), then add every other truck company in. PPL was clearing some major cash with this scam. Luckily, I didn't need the money, and no...I am not bitter.

I used it as a learning experience. There is no such thing as a cheap price. It has served me very well.

Legal wills drawn up by /from templates? ARE you insane? Templates do not cover everything that needs to be said in a will and living will.

Robert, stop play couch lawyer, because if everyone were to follow your advice (which of course is not worth the electrons that are used to post it here), they'd be in a world of hurt legally. You are advocating people to resort to inadequate and ill advised means to cover their proverbial butts.

you do know that the plan can cover wills for your whole family? Your husband/Wife; you can also have one done for your children (even though that sounds morbid).


Now what? Now I have representation. I am guaranteed a lawyer in case I need them. I can turn to them for ANYTHING. Can you see that word, Robert. A-N-Y-T-H-I-N-G!

That means if I have a bill that got overcharged and a business is not willing to refund me, I can turn to my provider lawyer to handle it.

If I get into an accident that is no fault of my own, but the party is saying so, I have access to my lawyer

If I get a traffic ticket, and want to contest it, I can turn to my provider lawyer to handle it.

If I want to sell my car to a private party, I can turn to my lawyer to draw up that contract.

I CAN turn to my provider lawyer ANYTIME for pretty much any reason; some services will be free, some at a cost (discounted rates).

cheaper to pay a lawyer by the "job"? Now you REALLY do not know what you are talking about.

The average cost to retain a lawyer; $10,000
The average cost to pay a lawyer by the hour: $300 (and not including any other fees they may charge).

Robert, do the math. IT isn't cheaper to pay a lawyer by the "job".

"And did Pre-Paid Legal ever pay their bill from the original post?"

If you even read the post, it wasn't PPL that made the transaction; it was an associate.

Legal wills can be drawn up from templates and notarized...done! Ditto for Living Wills...done! So now you have had three papers drawn up. Now what? You just keep paying forever? Sounds cheaper to pay a lawyer "by the job" for these services.

If the IRS comes to the door, I think I might be in more need of a CPA than a lawyer. I once had an issue with the IRS, worked it out myself, paid my arrearage and then the IRS refunded all the penalties to me. All without the help of a lawyer.

My kid has had a couple of wrecks. One was definitely his fault and we ponied up for that one, the other was definitely NOT his fault, although the other party tried to claim it was. My insurance company's legal department took care of the nonsense claim. We never needed a lawyer for it and the outcome was satisfactory. That is why we pay for auto insurance, isn't it?

Lawyers in America work hard every day to convince the citizens that everybody needs a lawyer. Why? Because there are too d**n many of them. That is why they are on television urging anyone who has gotten out of bed that morning to file a lawsuit. They try to convince any and everybody that they are a "victim". The lawyers themselves seem to be the ones feeding this litigation frenzy. This does not appear to be a European phenomenon (maybe we should send them some of our lawyers?).

I have never been approached by anyone from Pre-Paid Legal so have never had access to their documentation and disclaimers. People appear to be thinking that this plan will do things that it will not. Something is convincing them that this plan will protect them against nearly everything.

One thing that would put an end to all this back and forth "he said, she said" nonsense would be for you to upload the Pre-Paid Legal disclaimers to this site. Just scan them in.

Then we can all look them over and make an informed decision as to the necessity of the plan. This is the only way to solve the debate unless you can point to a website that contains all this information.

And did Pre-Paid Legal ever pay their bill from the original post?

..or need legal representation, that;s what PPL is for. Europe has already and 80% market of representation ( that means many countries in Europe already subscribe to this method of lawyer representation) so that EVERYONE can be represetnted, not those who can afford it.


As with every business, contract or whatever, there are disclaimers involved, and many times, people dotn read the disclaimers, where much of the confusion and ignorance comes from.

For every person I recruited, I spent 30 minutes with them. I could have spent 3 hours, if they needed more clarification; why? cause it was my duty to make sure they understood. I gave them the DVD's they needed (since all their anwers are available on the various dvds at NO charge to them) and went over the paperwork; not one had a question that wasn't answered via these "paperwork".

Slick? I make about 3 recruits a month? Am I "hurrying" to my next "mark"? No. I dont need to. Why? Because I know that thes "marks" are human beings, who will have a hard time understanding, that can be confusing if they are not shown as to why PPL works the way it does.





So, why would anyone want to pre-pay this? It would probably serve everyone better to put the monthly fee of $26.00 per month into a savings account. There it will draw interest and there are no cancellation worries later on. It can be pure hell to get these companies out of your checking account once they have gained permission to get in it.

Your bank analogy is flawed, in th sense YOU will never know when you will need legal representation. You do know what it would cost you in lawyer fees to draw up a will? more than 23 months to at the the varying PPL rates. With PPL you are saved up to more than 1/3rd to have a Will drawn up for you, and in that price, it includes a LIVING will as well.

Legal representation for being sued? How much do you thin you would need to save before you can afford legal representation should you be sued? Try over 10 years at hte going rate. What happens if you're sued tomorrow? Can you come up with $20,000 in a retainer fee to do so? With PPL membership, you are already afforded XX amount of hours of a lawyer to represent you (dependent per state)

IRS audit - PPL membership also allows you representation should you be audited by the IRS. up to 50 hours of representatin is offered to you.

Not to mention, contract reviewing (now you can have a lawyer draw up contracts for any thing you need, from selling your home, having services done to even selling your car),


this program doesn't feed into the litigitous socitey, IT protects its members from that society. THE PPL membership doesn't allow you to just "sue" anyone for any reason. The membership is governed by its stipulations. You are allowed legla representation as allowed by the plan, and a discounted rate should you need a lawyer for other reasons (many of which are not even litigious in nature).

If 'everyone' wants to sue 'everyone' then we would see a major amount of litigious sutis in Europe. Yet we see nothing. We dont see people suing others at all. In fact, in eruope many of the types of "suits" we filed would not even be allowed .

I haven't seen my "money" go down the drain yet. After having my wills drawn up, my living will done, and my power of attorney drawn up, the membership has paid itself over 10 fold.

I just revcently used the services to go after someone who hit my car and tried to run away after the accident (bystanders prevented him from doing so), because he wasn't insured, an my isnurance wasn't going to cover the enitre expense of fixing two door panels (at over $4000, they were ready to TOTAL out the car that was only 2 years old). If I had to do that on my own, it would have costed me 3 times as mcuh to retain a lawyer to do so.


For those who dont understand the membership, its best that you read over for yourself. EVERYTHING is explained in great detail at the PPL website, and it only takes a few minutes to read over the membership details and policies.

Just from reading all the posts, it seems that there are a lot of disclaimers in Pre-Paid Legal paperwork.

Maybe people are not reading all the paperwork as closely as they should. But those slick salespeople do not have time for anyone to study anything. They have to move on to the next mark. So it is "Hurry, hurry, one-time offer, today only, just give or fax me a blank voided check, you can cancel easily at any time, use it one time and you will have regained all you have put into it, yak, yak, yak."

So, why would anyone want to pre-pay this? It would probably serve everyone better to put the monthly fee of $26.00 per month into a savings account. There it will draw interest and there are no cancellation worries later on. It can be pure hell to get these companies out of your checking account once they have gained permission to get in it.

This kind of program just feeds into our litigious society as it exists today. Everybody wants to sue somebody. Everybody is afraid of being sued. Maybe it is all the shark lawyers advertising on television or something in the water.

A person could pay for this for years and never use it. Money down the drain.

The only thing I pre-pay are my cell phone minutes and I do not buy huge amounts of them at one time either. I may be hit by a truck and not get to use them all!

The point is, every truck driver at the company i worked for(and many other companies too) was told IN WRITING that PPL would cover ALL legal issues concerning us through our employment. What it actually covered was NOTHING.

THAT is the point.

First of all, anyone who claims this company is a scam just isn't thinking straight, or is just flat out unintelligent. If someone hired you and told you false information, it is that person's wrong doing, not the company's.

Second of all, for those who claim pre-paid won't solve their problems, it probably means that they can't legally do anything for you. Robin, instead of getting upset with pre-paid legal, maybe you should pay your taxes or try not to default on your loan. That would probably make it a lot easier to keep your house. It is not illegal for a mortgage company to foreclose on a house if the person hasn't paid. Robert, you're right, if you told someone you would fix his/her car, and you didn't, he/she would be pissed off. But auto repair and legal coverage are two completely different things. That is why they don't have pre-paid auto mechanics. It would be ridiculous. If I paid you $35 a month to maintain my car, and then I lit my car on fire and told you to fix it, you would call me an idiot and tell me no. Pre-paid legal doesn't just bail people out of any problem they create.

I don't work for pre-paid legal, nor do I own a membership; However I have done research on the company and I have read most of these rebuttals. It seems people are misunderstanding the difference between giving a person money and giving a person the opportunity to make money. If you ever played sports as a kid, you might remember people saying, "everyone can do well, everyone can win as long as we're having fun." And you will also remember that it isn't true. There is always that one kid that is a bad athlete and uncoordinated, who just wasn't good. Maybe it isn't the company's fault, maybe you are just a bad salesperson. It's O.K., because that one kid that sucked at soccer was usually really good at chess or video games or something. Instead of getting all pissed off at pre-paid legal, maybe you should just find something you are good at.

All in all, pre-paid seems like a legit company to me. I think the problem is with some of the people working there.

I have pre-paid legal and never have I had a problem !

I am astounded by the number of rediculous entries. One I would like to address is someones contention that PPL inflates its per hour legal fees and then gives the discount. This is so far from the truth. I have asked my provider attorney what their fees are and they are on par or below the average hourly rate for my state. Plus, they are many times willing to do more for less. I have a new recruit who is an attorney from Texas. She said she loves the service because she knows first hand that the average person cannot afford her services. Anyone who says this is a pyramid scheme does not know the meaning of the word. A pyramid robs Peter to pay Paul. They take the money from the bottom and give it to the top. PPL gives advance commissions on money they anticipate making the first year. The overrides are simply like a brokering fee. A real estate broker takes a cut of the money that his or her agents make. Does this make real estate a pyramid? No. When a car salesman sells a car, he gets a commission, but the dealership owner takes a cut. Is this a pyramid? No. If you are going to throw a derogatory term around, you should be sure you know what it means and if it actually applies here. This company has been throwing money at it associates. The company believes that happy successful associates produce more. Yes, there are the sleazy associates out there. That is true in any tocompany. Yes, there are disgruntles members. Again, true of any organization. If Joe Bob over there wants to sue his neighbor for being mean and the pre paid lawyer tells him he has no case, Joe Bob is going to tell everyone how lousy PPL is. Well, maybe Joe Bob is just expecting a bit much from his plan. Maybe Joe Bob should go to another attorney and pay money to get the same opinion. Of course it is the Joe Bob's of the world who make PPL a necessity for the rest of us. The home in forclosure. PPL Attorneys are good attorneys, not miracle workers. Perhaps if the member had taken some steps earlier on to mitigate the situation, the home would not have been in forclosure. Or, perhaps it was just an unfortunate unavoidable situation. If the mortgage company had full legal right to foreclose, the attorney cannot change the laws to suit the client. Sad, but true. We have created a society of blamers and whiners. Take responsibility for yourselves people. If you want something for nothing, get a grip. If you wait until you are foreclosing to get help, you may not get what you are looking for. If you join PPL to make millions your first week, please don't blame PPL when that doesn't happen. Go try a pyramid scheme. Maybe you will have better luck there. I have been an associate for 4 months and my business isn't taking off like I had hoped. But you know what, I believe in the product, I am sticking with it and I am continuously learning new things to improve my business. It is coming along slowly and I believe that in 5 years time, I will have financial freedom with this business. A legitamate business takes time to build. If you tried it for a whole week and quit, you probably didn't have what it takes to succeed in this business. Good luck to you.

I am astounded by the number of rediculous entries. One I would like to address is someones contention that PPL inflates its per hour legal fees and then gives the discount. This is so far from the truth. I have asked my provider attorney what their fees are and they are on par or below the average hourly rate for my state. Plus, they are many times willing to do more for less. I have a new recruit who is an attorney from Texas. She said she loves the service because she knows first hand that the average person cannot afford her services. Anyone who says this is a pyramid scheme does not know the meaning of the word. A pyramid robs Peter to pay Paul. They take the money from the bottom and give it to the top. PPL gives advance commissions on money they anticipate making the first year. The overrides are simply like a brokering fee. A real estate broker takes a cut of the money that his or her agents make. Does this make real estate a pyramid? No. When a car salesman sells a car, he gets a commission, but the dealership owner takes a cut. Is this a pyramid? No. If you are going to throw a derogatory term around, you should be sure you know what it means and if it actually applies here. This company has been throwing money at it associates. The company believes that happy successful associates produce more. Yes, there are the sleazy associates out there. That is true in any tocompany. Yes, there are disgruntles members. Again, true of any organization. If Joe Bob over there wants to sue his neighbor for being mean and the pre paid lawyer tells him he has no case, Joe Bob is going to tell everyone how lousy PPL is. Well, maybe Joe Bob is just expecting a bit much from his plan. Maybe Joe Bob should go to another attorney and pay money to get the same opinion. Of course it is the Joe Bob's of the world who make PPL a necessity for the rest of us. The home in forclosure. PPL Attorneys are good attorneys, not miracle workers. Perhaps if the member had taken some steps earlier on to mitigate the situation, the home would not have been in forclosure. Or, perhaps it was just an unfortunate unavoidable situation. If the mortgage company had full legal right to foreclose, the attorney cannot change the laws to suit the client. Sad, but true. We have created a society of blamers and whiners. Take responsibility for yourselves people. If you want something for nothing, get a grip. If you wait until you are foreclosing to get help, you may not get what you are looking for. If you join PPL to make millions your first week, please don't blame PPL when that doesn't happen. Go try a pyramid scheme. Maybe you will have better luck there. I have been an associate for 4 months and my business isn't taking off like I had hoped. But you know what, I believe in the product, I am sticking with it and I am continuously learning new things to improve my business. It is coming along slowly and I believe that in 5 years time, I will have financial freedom with this business. A legitamate business takes time to build. If you tried it for a whole week and quit, you probably didn't have what it takes to succeed in this business. Good luck to you.

First & foremost, PPL is clearly defined as to what their services cover and provide. when you join youre given pamphlets, and a customer service number.

I myself am not only a member but a business associate. I've used PPL myself and I am amazed and the results given for the amount I pay monthly.

Most recently I had a major victory in concerns to my credit report. long story short, my ex spouse 6 yrs ago opened 3 capitol one credit card accts over the internet w/o my knowledge or consent (in my name). i received no confirmation calls nor authorization calls. i also received no bills in the mail. when no payments on those accts were made they called me. i was aghast that i 'owed' 3200.00 for 6 yrs ive been ighting with capitol one over this. those accts were on my credit report though in dispute. the identity theft protection im covered under by PPL not only removed those accts but restored my credit rating.
it took PPL to do this.

having an atty speak for you WORKS in most cases.
the advise alone is worth it. legal aid has waiting periods and limits its services. modest means legal services thru the bar assoc still requires you to pay a consult fee to the assigned atty. most people dont have the 50-100 for an immediate consult fee nor the 250-500 retainers. PPL helps its members, its not a bad service because your particular case wasnt covered.

people expect so much for the 26.00 a month membership fee, when its clearly defined what services are covered.

the atty's do try to resolve your matter for you via phone call, letter/fax. they do assist in traffic violations and in majority most are resolved by dismissal or no points.

they do look over your documents with care and advise you further.

they do honor the identity theft protection i am in attestment of those services myself.

as or title V the discounts given for services not covered is worth it especially when attys charge between 300-450 an hour. recently i paid a private atty (i retained him b/c i knew him) 9 grand in a settlement for a real estate dispute he won for me & i cant even get him to call me back. PPL attys call you back promptly. I had wished I used them for my case. woulda, coulda, shoulda. lesson learned.

look people, its not a case you get what you pay for.....PPL doesnt BS their services, its clearly defined what they cover and they cover basic needs.

Well, tommorrow I will be Joining PPL as a member and associate. I believe I am learning my first lesson today. DO NOT SELL TO PEOPLE WHO "NO COMPRENDE" If they don't "GET IT" don't bother.....finish your water and walk out backwards.

I know of many opportunities out there like PPL but after extensive research I am Choosing PPL. IT ALMOST ALWAYS TAKES MONEY TO MAKE MONEY. This just takes less, makes more, and effort is key.

I'll see you on the cover of Forbes? Maybe. Worse case scenario.......I'll quit, grow through it, and never put blame on a proven, succesful company (in which others have made it) instead of my lack of effort.

"Persistance is failing 19 times and succeeding the twentieth."

"The biggest failures in life, always try to MAKE a living.........while the successful EARN one." me 1-25-06

I joined PPL as an Associate, specifically to sell the services as a plan to employee groups, just as medical insurance is. I've been an independent business owner for the past 15 years, with 25 years total in business. I guarantee I am not a naive person, and have a reputation of high integrity and honesty.

I do NOT lie to make a living!

What does make me sit down to write this rebuttal is knowing for a fact that most of the naysayers - concerning PPL existing benefits and performance - are inaccurate, uninformed and probably (personal opinion on this comment) some of the more negative personalities that most of us try avoid at all costs during our everyday lives.

I'm not some "woo-woo" whacko spreading magic dust around... I'm quite the cynic myself on many subjects, so I thoroughly researched PPL before getting involved.

1.5 million members (and steadily growing), many of whom are well educated, many enroll through their government jobs (including police officers and firemen), and understand the value of the services, are not an indicator of bad service.

Just the opposite.

Those who have tried to be an Associate and are not happy with the experience, very likely never should have tried in the first place. An opportunity that can be highly profitable is going to take a highly motivated and well performing individual. Ain't nothing easy about trying to be a successful business person!!
>> Anyone selling the PPL services have a choice of how they wish to be paid their commissions. And those commissions ARE paid within 48 hours once the confirming paperwork for new customers - a responsibility of the Associate, and NOT the customer - is recieved via fax by the home office. The choice to be paid in this manner, or by regular check by mail, is SOLELY the choice of the Associate.

>> If someone believes they were misled about what their membership gains them, there are three possiblities that come to mind:

1. They were intentionally lied to.
2. The Associate presenting the service was not properly trained.
3. The customer did not listen, made assumptions, and/or didn't bother to ask questions.

For number 1: Lying can happen - but my exposure to PPL personnel, and their training, indicate this is not only UNACCEPTABLE to the PPL leaders I've met, but results in that Associate being released if it's intentional. And I believe it's much rarer than the naysayers would like the World to believe - one bad story always overshadows a thousand good ones.



For number 2: Poor training is most likely the biggest cause of disgruntled customers. It is also an area that PPL is aggressively addressing, and some major changes in training system and acceptance requirements are in the near future. But again, I do not believe the vast majority of Associates are ill-trained - just not supported as needed. To be honest, some of them shouldn't be allowed to sell this type of service, in my opinion. But any intelligent person should be able to decide whether they can likely trust the individual speaking to them.

For number 3: I myself have witnessed potential customers make completely unfounded assumptions, statements and assertions, and completely ignore what was being explained to them. At the same time, I realize this can also be in part because of Reason #2 (poor training). But it is sometimes amazing what customers want for $25/month.

>> The service works. Some issues are not covered, but many, MANY more are! I personally could have used a couple of the standard coverages - I had my identity stolen AND was threatened with a bogus billing after one incident. One call to the attorney, one call to the ID protection service, and ALL OF IT WOULD HAVE BEEN HANDLED, AND PAID FOR, WITHOUT MY DIRECT INVOLVMENT WITH THE COMPANY THAT WAS MESSING WITH ME. Instead I had to fight with three creditors, two credit reporting agencies and a nasty collection agency for the bogus billing. Many hours, $800 in attorney fees(eventually recovered but still out of my pocket for weeks), lots of stress, and an incredible amount of frustrations and anger over being so horribly abused "by the system" and one business.

I eventually got it all straightened out, after months. All of it would have been covered by my PPL service. And I could still be working on other legal issues, such as a will, living will, credit card abuse, some idiot threatening to sue me because my dog crapped in his yard, etc, etc, etc.

Amazing what one letter or phone call from your attorney firm can do to shut people down when they're screwing with you.

Bottom line is:

If you refuse to pick up the phone and use the various legal services, and don't think you'll be the one in three Americans that needs legal services in the next 5 years, then don't sign on.

But PPL is still the most popular and effective legal assitance program in the nation. And growing, and becoming even more effective.

Where the company is now in it's organization and training, is a quantum leap in performance from just 3 or 4 years ago.

Guess that's my rebuttal, and I'll pass the soapbox to the next person so they take their shot. Take it or leave it is all I can say about PPL - I'm sure most who visit this website will leave it since this is a negative-feedback oriented website... that's the very reason for it's existance.

I'm sure the webmaster is quite happy with our visits - it helps them sell advertising and generate income for themselves.

No better way to do that than encourage people to vent, LOL!

Very Nice Michael, And yet, your post was completely irrelevant. I'll just assume you sell this Volcano Insurance, since you think it's so great. I bought it for one purpose...the same reason every truck driver at the company I worked for bought it. And what did it actually provide? Nothing...not a d**n thing.

You will find many posts from other people who bought it to provide legal assistance in problems related to their employment. Not one has said it helped. Only the guys selling it.

I repair cars for a living. If I tell a customer their car is repaired and will be there when they need it, they expect that to be true. If they try using their car and it won't work, they get mad. If it's due to something I was supposed to have fixed, then it's my fault, and the customer has been ripped off. That is the perfect analogy for your Volcano Insurance you sell.

I can't even imagine how long I would be in business if EVERY SINGLE TIME a customer had a problem with what I sold them, I told them "NO, that's not covered".

You just keep living in your magic world of PPL Make-Believe. Keep selling that Volcano Insurance too. Maybe one day, you'll need your car fixed, and the mechanic will have been one of your customers. Happy motoring!

First, Robert... you clearly haven't read through all the posts. There are many people who have purchased and found the product USEFUL who are NOT associates. Look before you post such ridiculous statements... it'll only help you.

The pros and cons were already mentioned about the "Opportunity." To quickly find it, press and hold the CTRL key on your keyboard. While holding that key down, press the letter F. A "Find" box will appear. In that box, type (without quotation marks) "West Haven" and press the ENTER key. You will find two or three posts from me. Press the "Find Next" button until you come to the pros and cons post I made many moons ago. There are both good and bad points about PPL's Business Opportunity. Check it out for yourself. Sorry for the instructing, but some people may not know.

No offense at all... but the post regarding the home foreclosure, while sad and disappointing... maybe the lawyer was just being honest with you or maybe the lawyer wasn't the best available for your situation. Correct me if I'm wrong, but as customers, don't we have the ability to call PPL and get their assistance when it comes to poor service? I think we do.

Sometimes though, we just don't like what they have to say because it's not in our favor. It's kind of like when the referee rules that an interception wasn't an interception (you Steeler fans know exactly what I mean). Your post is purely emotional, and rightfully so, but I think at that point, you could have said to the lawyer, "Okay, they did nothing wrong, but how can we be sure based on the one page you're looking at? What can I send you that might help me?" Granted... the lawyer could have returned that same solution to you as well. Perhaps a communication problem? I don't know... that's only for you and the lawyer to know since you were the only ones involved. I'm just pointing out that this is not typical service based on my experiences and your sole experience doesn't make the service a waste of money. You simply had a situation that might have been able to be handled differently and costs you a lot emotionally, not to mention the other ways it might have affected you.

About cancellations... again, using the CTRL-F method, go find my post about that. None of us have the data necessary to determine how many cancellations were voluntary vs involuntary. And the same goes for the average amount of money that is made by PPL associates. So quit using those as an argument to support the detractors. They're invalid.

Being completely honest... wouldn't it be more accurate to say that PPL has that "Pyramid" stink to it because of three letters... MLM? It doesn't matter how legitimate the company is... once you hear MLM or Network Marketing or anything similar, "It's a scam!" Be honest and unbiased for a moment, you know I'm right. But the fact is that network marketing is a legal and profitable method of distribution. But just like any other form of distribution, it can be and is abused. It doesn't mean they're all illegal or a scam though. Common sense again!

For anybody who thinks PPL is a pyramid scheme, you're actually undermining the legal minds of not only our provider attorneys, but highly reputable organizations and attorney generals to name a few examples. I'm sure we could agree that the lawyers know more about the legal legitmacy of the opportunity than the non-lawyers. What lawyer (or in this case, group of lawyers throughout North America) are going to risk being associated with an illegal legal company? Am I starting to get through to anybody yet? Never mind, your minds are already made up.

This isn't rocket science. It's so incredibly straight forward. In terms of product value, it all depends on how often you use it. Use it a lot, and it's a great value. Oh yea, and again, you can find a post from me about the product value by using the CTRL-F method. If you don't use it a lot, then it's not for you and that's alright. I wish it covered more things, but for what it costs, it is a really great bargain IF YOU'LL USE IT!

The bottom line... anybody who has ever had a bad experience with any product, service, industry, opportunity, job, etc., is going to have ill feelings towards it. It's very difficult to convince those individuals to change their minds because there's already a bad taste in their mouths. For example, how many people here can't stand car sales people? Or how about working in the sales profession? I can't stand either one of those. Bad things happen and you're never going to please everybody no matter how hard you try.

For all the detractors, why is that you blanket statement the company and service with negative comments? To say I had a very specific bad experience is one thing, to make your general negative comments because of one bad experience that you or somebody you knew had, isn't enough to justify or support your comments. It's enough to raise concern, but not enough to come to outright conclusions. I have come to the conclusion that people are increasingly becoming professional complainers... but then maybe I'm wrong. Where does it stop?

EVERYONE who sells this crap says it's great.

EVERYONE who bought it says it's useless.

There is no better way to explain it.