PrePaid Legal Reviews

ronald   illinois

10:34am on Thursday, September 2nd, 2010

To Jim in AZ, I got a better Idea. Everyone should have a six to eight month emergency fund. Save the money you would throw away on ppl service and for the rare times you need a lawyer just pay cash. I never ever buy a pre paid service contract on anything I buy cars, appliances etc. I just put the money in the bank that I would have paid for the pre contracts. I have saved a ton of money this way because in the rare instance something breaks I've got the money.
Come on people this ain't rocket science. There is no way you are going to get rich just working a few hours a week.

T   NE

6:05pm on Wednesday, September 1st, 2010 

I've recently been approached regarding PPL and have to say there are far more questions than assurances! I've seen the promotional DVD and was immediately turned off by the over zealous attempt to pitch not only the product but the benefits of becoming an associate (never once mentioned the success rate vs. the failure/retention rate for the good or the bad, I'd like to add). In todays economy, of course the promise of income and working from home in your 'spare time' sounds awfully good, but further research on the numbers just doesn't add up. Aside from the concerns created by the previous and current investigations by the SEC and FTC, there just seems to be some glaringly shady practices going on.
The retention rate is incredibly poor on memberships. Factor in that most memberships are held by associates and they STILL have that decrease in numbers is horrifying. There has been no actual growth, just a constant having to replenish the resources that have gone down the drain. Like trying to keep an amount of water in a cup that has a big hole in the bottom! The numbers that PPL itself reports for percentage of associates that ever make a sale or ever even make a single sell are also disheartening. When the angle they are using to encourage recruitment is that 'you don't need experience, we have all the tools for you' and it still isn't creating growth, I hear 'Danger Will Robinson, danger! Danger!' echoing in my head. Kudos to those that succeed in this.
When the SEC has to force PPL to restate it's earnings and that restatement shows that the first statement of such was a total LIE is disgusting to me. And the fact that their stock buyback practices are questionable and all indications point to probable misappropriation of company funds to make the stock look more viable by their majority stockholders (all board members) is the shadiest of shady shadies in the shade! Bernie Madoff 101! State attorney's offices filing suits, fraud watchdogs on the prowl...just seems a matter of time before it all turns to dust.
Does the product SOUND like a useful tool to have in your shed. Yes, in some respects, no in others, there's a lot that the 'program' doesn't cover...some would say a longer list than what it DOES cover. A snow blower is great to have, but the same result can be obtained by a shovel and a little effort. I think most would find that the service is not worth keeping long term (which appears to be the case), just another bill they can't afford to pay when it comes right down to it.

Linda   Sac.

5:22pm on Wednesday, September 1st, 2010 

carol colorado
You're wrong about your post, they are commenting about their experience.
The words you refer to indicate possessive not ownership.
What does that have to do with Pre-Paid Legal ????

carol   colorado

9:57pm on Tuesday, August 31st, 2010

I have not yet signed up for ppl services. Just wanted to see posts by people who either work for ppl or use their services. One thing I noticed about many of the posts was the misuse of the word your. Your denotes ownership. You're is a contraction that means you are. Also, their shows ownership and there denotes a place.

Donald   Ca

11:14am on Monday, August 30th, 2010 

David
In Maryland you can get the standard Family Plan
for as little as $17.00 a month, no associate fees,
if you add more coverage the cost goes up.

Jim   Az

10:39am on Monday, August 30th, 2010

David, you do not have to be an associate to be a member. Your brother should be happy to sign you up as a member and not an associate, if not let me know and I'll sign you up.

rronald
If you have negative feelings about being a member you should not sign up. I think you math is faulty. If your will cost you $500, how much to update it yearly, that is included in the membership.
For years I never used an attorney for anything now as member I use them all the time. With that being said I have never used my home owners insurance nor my auto insurance for that matter my fire extinguisher has only been out of the holder for service.
I have peace mind of knowing that I have all of this protection if needed.

David   Baltimore, MD

1:54pm on Sunday, August 29th, 2010 

I keep reading this stat 93% never make a sale. I am not an Associate of PPL my brother however is, if I "join" I have no intention of selling, I want the legal coverage for personal reasons. Lets look at a different ins company Geico, if everyone who has ins through them was called an associate as they are with ppl then their rating would be just as dismal, as 93% would just want insurance not a new source of income. 10% want a job or a business the others just want coverage.

rronald   Illinois

1:24pm on Friday, August 27th, 2010

I've got sales associates breathing down my neck trying to convince me this is the best thing since sliced bread. I ain't buying it. for the last ten years the only thing I have been to the lawyer for is a will. Cost me 500 dollars. Still a bargain because my yearly fee for a ppl was quoted at 320.00 per year X 10 years is 3,200.00. My poor ppl "salesman" has spent tons of money on ppl seminars and gasoline chasing and begging prospects over the last ten years. I almost feel sorry for him. At least he had enough since to keep his previous job.

Mike   Sacramento

8:37pm on Tuesday, August 10th, 2010

Kevin, That's not exactly true I did a Google search Pre-Paid Legal Services Inc. and it is mostly good on the first page. Most of the negative is from failing associates who have no one to blame but themselves.
You say you worked very hard for a long time, well I hate to inform you 3 years is not a long time to run a business. You could not possibly learn the ropes in 3 years, although I commend you on trying, sometimes you need to take a deep breath and figure what works for you and what does not.
Yes you must be careful of your upline at all times, they have a tendency to push to hard on new associates, and this is the cancellation problem in a nutshell.
Through out life if you let the negative win you will definitely lose.
I do not recruit much just stick to myself mostly, and do quite well, do I make 100,000 a year yet? no but I was not before PPL either. This is my own business I do as much as I want, if I want to make more I just work harder. It is not a stay at home and count the money type of business. I like going out and helping people with their problems and the reward comes as a bonus.
I did not bother my friends and family, I just waited and when they had problems I could help with I showed them a solution and they are happy members of PPL for many years. The upside to that is in daily lives when they hear of some one with a problem they give my phone number out and my business keeps rolling along.
You say the real costumer of PPL is the associate, well I say real problem with PPL is the associate. The membership is simply the best on the market.
You are correct do not be brainwashed by your upline, ask your self if you are only in it for the money or you just want to help and meet people, the money will come.
It has taken several years to get my residual income and pay down the debit balance but I have. Now I take everything as earned and there are no charge backs.
I hope you stand back and look at how you time with PPL was spent. I am sure now you would have taken a different approach.

Kevin   CA

10:00pm on Monday, August 9th, 2010

Most people who have posted here are very uneducated on PPL. I am a former associate of 3 years, and I have researched everything on the company. I know both the good and the bad.

The main problem you will face as an associate is the image of PPL. If PPL is good or bad isn't the problem. Most think PPL is a bad company. Google "Pre Paid Legal" and you will see mostly negative information. Anyone who does any form of research 10 out of 10 times will not sign up. Even if PPL is a great company you can't fight that image.

Can you succeed at PPL? Of Course. You can also win the lottery. Look at the success % of those who sign up. Yes many sign up and never do anything. But look at associates(such as myself) who worked very hard for a long period of time. The % that even make $2k+ a month is less than %5. PPL tells you if you just stick and stay you will get your pay. They say if you work hard for long enough you will make $100k+ a year and be a ring earner. There is so much luck in life, in any career path. The real customer of PPL is the associate.

This is my advice to anyone in PPL or considering joining. Don't be brainwashed. Ask yourself if you want to be the person all your friends and family start to get annoyed with. Ask yourself if you wanted your friend and family always trying to sell you on something. Trust me, you don't want to be that person.

Justin   Washington

2:43pm on Wednesday, August 4th, 2010

Karen
I can't speak for Florida, but we had some of the same issues in Wa. a few years back. PPL quickly got rid of the law firm and now all is better.
You make it sound as if PPL wants their members unhappy. How can that be? They could not stay in business if that is true. In part of your post you say that there is no need for PPL and later you say you use it all the time. Which is it?
As far as Identity Theft goes, which programs have you found that are better. I hope you know PPL does not handle the Identity Theft program, it is handled by Kroll Back Ground America.
If you made manager you put in some time, but it sounds like you have stopped your education of the products and how to use them.
There are always complaints with any company of this size. You name me a company that's been around for close to 40 years and this size and I will show you lots of internet complaints. There are a lot people like that Jo person that spend all day finding fault with something.
This company is backed so many organizations and ratting firms for there to be as many bad things going on as is stated by a few here.
Sorry for your problems
Good luck to you
Justin

Richard   Ca.

12:30pm on Wednesday, August 4th, 2010

Karen
Your experience is not typical, as a member although in California, my wife and I love the service. when we have had a complaint it was taken care of at once.
The letters they write are priceless. As for the ID theft program, as you should know, no one can stop ID theft, no one. With that being said, Knowledge, Early Detection, and Expert RESTORATION, is your only defense. Theirs is the only program that offers complete RESTORATION.
Being an associate you should educate yourself about the products more thoroughly and keep informed as to what's happening.
This complete service is worth 10 times what we pay if not more.

Karen   Florida

9:33am on Wednesday, August 4th, 2010 

I chose a poor rating over a dreadful rating because at 17.00 a month I reserve this service for generally stupid legal questions as a check. For the most part, however, the services and information that can be found on the internet will soon eliminate the need for PPL. I started with PPL as an associate and moved to manager with a minimal number of sales. However, I stopped selling long before I moved to Florida. Reason is, I don't believe in the service enough to sell it to anyone I do or do not know. Florida, as someone else mentioned, requires you to be tested and licensed as an insurance agent which is either ridiculous or a good safety net for people who may buy this product. The quality of the firm that participates in PPL services is all over the map. The firm in Ohio was wonderful. The firm in Florida is exactly the opposite. I am quite certain they participate solely for the purpose of adding income. Only once did I actually talk to an intelligent person, and with the nature of my question it was necessary to refer me back to Ohio; hence the success of the call. The Florida provider seems to take on the attitude of the PPL corporate office. Anyone ever called there? The "customer service" force in OK are extremely rude which I believe is their way of getting you off the phone quickly. Since I have been dealing with PPL in Florida, it seems I can never make a request or get help without being patronized or made to feel stupid with my questions. I end up angry and frustrated each and every time. I am on the verge of canceling my membership. There are even better, more qualified ID theft programs out there. I am baffled how PPL continues to stay in business. Harlan step down from your thrown and into the field; you will be embarrassed and ashamed.

Jo   Pa

2:13am on Wednesday, August 4th, 2010

To David,,Ca,,

2009 Annual Report,,,, Page 11.

Total Associates,,,,, 477,208

Associates not making a sale,,, 437,826..
That is 92%,,,,,,,,

View at www.prepaidlegal.com,,,,, Under Investor Relations.

Ok,, Independent Associates... vs Sales Force.. Very good point!!!!

I state again,,, I know of no other Company,on the NYSE, that reports the failed rate of their Sales Associates.

PPL did not do this report of their own accord.
The SEC "Forced" PPL, to Publish theirs, because it is so dismal.

In April,2010, the SEC was still requesting additional documents from PPL. In October,this year. This investigation will be one year old.

David   Ca

2:04pm on Tuesday, August 3rd, 2010

Jo, Jo, Jo,
Not so fast, #1 they are not a sales force, they are independent associates, all publicly trade corporations must publish ALL of their business.
#2 The correct figure is %87 never sell a membership and that is by choice for most of that percentile.
I have five family members that are associates they are not active by choice. They have it to fall back on if they need it.
Why do think this is a get rich quick company? No one ever said it was. I will guarantee if you put in the time and run it like a business you make money.
My neighbor who was fairly well off was on a waiting list for a Micky D's franchise. It took 5 years for his name to come up. They wanted $500,000 up front for a franchise. He borrowed
on his home to make that. His training was 6 months, he got his restaurant and darn near worked himself to death to make ends meet. Well in 12 years he still has not recouped is investment.
I would call that a rip off in the worst way but you see, some make it and make it big and some do not.
Most people that start their own business fail with in the first five years, so by your thinking nobody should try to start a business.
You have a strange way of thinking, like you want PPL to have all bad news. They are consistently rated in the top companies, oops I know they pay off everybody to get high ratings wait how can they do that if they are going broke? Which is it?
Take a deep breath and relax they won't come after you,put on you foil hat you will be okay.

Lizzy   Florida

9:37am on Tuesday, August 3rd, 2010 

Hi! i am a new associate with prepaid legal. reading some of these reviews has made me think, for sure. Is it a way to get rich? probably not. But there is a good possibility in me supplementing my income. We all need that. so why not at least try, right?

@APK That is NOT true. In order to become licensed within my state, Florida (same as yours) i have to obtain a background check and fingerprinting. I believe you fell for a scam bigger than you think!

Jo   Pa

12:10am on Tuesday, August 3rd, 2010

What is funny, PPL never published their associate failure rate, until it was so bad. The Security and Exchange Commission forced them to publish it.

Can you name another Company on the NYSE, that is required to publish the failure rate of their Sales Force?

93% of the Associates,, never make 1 sale.

Stick a fork in them, they are done.

Dav id   Ca.

12:14pm on Friday, July 30th, 2010

Jo Pa
What is your problem ?? All public companies must publish financial reports, it is required.

Most associates never sell a plan. Who's fault is that? Not the companies. Most sign up looking for easy money, they stay home and think the business will come to them.

Most people that try to make it in pro sports, acting,singing fail also you should get the picture.
If it was easy and everybody was able to sell all they wanted there be no opportunity.
Life is not easy, only those that understand that will be successful.
Now get a life and do something constructive.

Jo   Pa

6:12pm on Thursday, July 29th, 2010

To Cin

This company is, what it is..

There is, without a doubt, no way of denying the required information in the quarterly and annual reports. The information was forced on PPL by the SEC to publish this information. Showing the historical data on how an associate fares with this company.

92% never make one (1) sale.Only, 3% will make more than 10 sales. This is out of approximately 450,000 associates, already trying to sell.

Out of 450,000 associates, 414,000 will never sell a single plan. Not one.

Out of 450,000 associates, 13,500 will sell more than 10 plans.

These are the facts, the SEC forced PPL to publish in financial reports.

My time is mine, yours is yours.. This is an open site. Please don't fret over my finances. You spend your time as you wish, I will do the same.

Cin NY   WNY

1:36pm on Thursday, July 29th, 2010 

Jo PA: I hope that you put as much energy in your private endeavors as you do here on this thread. If you do, then you should be very wealthy and successful. If not, then maybe you need to relook at how you spend your energy resources and put them in to something positive.

I am not an associate of PPL, but have signed on as a member and have used their services here in NY. My cash outlay verses what I have saved in legal costs will allow me to pay for my membership for many more years to come.

Jo   Pa

4:21am on Thursday, July 29th, 2010

To David,, Ca.

The Yes, congratulations on The FTC Investigation being closed. I suppose it is about time. Since 2007, an ongoing investigation.

However the SEC, is still open. To date they have made the most noise. Requiring PPL to publish the information regarding the failed associate rate.

Really,, google or run a search on Prepaid Legal, generally before you can finish typing. Scams come up!!!! Says a lot.

Study their history, you will find how many times Attorney Generals in various states have filed suit against them. Win or lose, when someone drags you through a law suit, that many times. Something smells.

It is all there if you care to look.

Richard   Ca.

11:11pm on Wednesday, July 28th, 2010 

Grady Wicklund Ok.
Yours is the kind of case I have talked about, you
have been given some bad advice by the person who sold you the membership. Like I have said you must know the product and how to use it.
In Ok. and Mo. both states the PPL price for doing an LLC is $40.00, you must not have been given the truth about the membership. You can do this under Title 1 of your membership.
Log on to prepaidlegal.com go to membership set up your account and enter members only page, click on more info. on the left side you will see the forms service center click on that and follow to the bottom of the page. There you will find Domestic LLC click there and the cost will come up, there are 2 prices one for members and one public. Select the members price make a payment then you can fill in the forms. They will check them for accuracy and mail the forms to you for filling. Now you can fax or send to your law firm for review and legal advice all under Title 1. Once you complete those steps you must file with your state and pay the state fees.
It is very easy, what you describe in your post makes no sense at all.
I question the fact you are talking about Pre-Paid Legal Inc. there are other companies using parts of that name and they would give the run around you talk about. I have been with PPL along time and never heard of what you describe.
I hope this helps.

Joan   CA

12:38pm on Wednesday, July 28th, 2010 

To Kevin from MD... your remark... "I'm just saying how can a company be a national wide scam for 38 years?"

Ever hear of Bernard Madoff??

George   Huston

11:25am on Wednesday, July 28th, 2010 

I have enjoyed working PPL for 6 years. My wife and I started by using the membership marginally at first and now we use it all the time, up to 5 times a month. It is very nice knowing we can contact our Attorneys when ever we want, about anything we want.
As far as the business part goes we get out of it what we put in to it. If we slow down the income slows as well. The nice thing is we can make as much as we want.
A word of caution be very stingy buying supplies some will tell you to buy everything available. We did that at first, big mistake, now we get most of what we need free.
After reading some of the comments here, I would like to point out that the F.T.C has dropped it's investigation of my company, they could not find any wrong doing.
In summary I would say it's is an excellent business but you must be careful what you spend. Most people are very helpful, do not make any spur of the moment decisions, take the time and think about things before you decide.
I would do it all over again.

Grady Wicklund   Owasso OK

2:22pm on Tuesday, July 27th, 2010 

I joined PrePaidLegal a little over a month ago, planning to receive a discount when forming a LLC for my rental properties in Joplin MO.

1. It took them 2-3 days to assign me to a local law firm in Tulsa. At that point in time, I contacted that firm and requested a referral to a Joplin, MO. attorney.
2. Three to five days later, I received a call from them referring me to the attorney and providing a name and phone number. I called the number, only to find out that the attorney that they provided was actually located in St. Louis, MO.
3. Okay…Mistakes happen! I called back to the Tulsa office and explained (Again) that I wanted an attorney in Joplin MO.
4. Another week goes by, so I call them again. I get an apology from a very courteous clerk who assures me that they will personally see to it that I am taken care of.
5. Almost a week later I receive another call from them and they have found an attorney for me…. I call…This one is in Springfield, MO (Again not Joplin).
6.….So, once again I call the Tulsa office, where I am promised that they will correct the error. Almost another week goes by, I get another call from the Tulsa office, and this time they finally admit that PPL does not have an attorney in Joplin that will form my LLC for me.
After a short discussion with the clerk, I decide that I will just use the Tulsa attorney to form the LLC. That clerk gives me the name and number.
7. I call that (Tulsa) attorney, and I get the answer machine.
It has been a week now and she has not returned my call.

The reason I chose PPL over an internet legal service was to get Personal service……………………….MY mistake! I’m canceling.

Brent   Oregon

11:05am on Tuesday, July 27th, 2010 

Pre-Paid Legal stock continues to climb, the F.T.C. announces, it is closing the investigation of Pre-Paid Legal with "no wrong doing found". We will see what the naysayer's have to vent about now, I know, the F.T.C. along with B.B.B. and the S.E.C. must all be in the pocket of Pre-Paid Legal, go figure.

Advertisement

David   Ca.

12:06am on Tuesday, July 27th, 2010 

Jo Pa
Here you have it, sorry to disappoint you
Pre-Paid Legal Announces FTC Closes Investigation Without Taking Action

Richard   California

9:01pm on Monday, July 26th, 2010 

Eric
The type of problem you refer to in #1 statement is known as a 911 member and you are correct most will cancel when they get the help they need. If you learn the service and how it works you can avoid those memberships.
As far as # 2 it is very hard work, the reward goes to those that work the hardest. Next time you get a chance stop by an auto dealership watch how many people go by without stopping and compare that to those that stop and then compare to those that actually buy purchase a car and think about how much money they spend on advertising.
If you look at the post on this web site you will see it's just a few people ragging on PPL, and they do not talk about their own experience just injecting their own thoughts.They do not even give their real names, that's clue as to motive. I am guessing they are failures in PPL or short sellers.
Yes it is true most people fail at PPL and that is true with any adventure we take on, music, sports or anything else that has large rewards.
I have been selling PPL for about 6 years the last 4 have been very successful, no I am not getting rich like some are but I enjoy it and make a good living and work when I want.
The membership is definitely worth more than the cost and if you teach your members how to use it and what it does they will stay for life.
Remember there a lot of negative people in the world that spend all their time ripping someone apart.

Anonymous   Location unknown

2:26pm on Monday, July 26th, 2010

The New York Stock Exchange line. Bernie Madoff operated on the NYSE. World Comm, Enron,,Quite a few others were members on the NYSE.

A good rating from the Better Business Bureau means little anymore. It is not like it was intended to be. Prepaid Legal is a member of the BBB, paying a membership fee. Of course they will have a good rating.

HOLEIN1   Cheeseville

1:20am on Sunday, July 25th, 2010

Boy oh boy! I am glad this website exists. Get this, I basically purchased the membership and wanted to be an Independent Associate BUT the person that sold it to me, did not have a license to sell to my state! Fortunately, I was not charged any money. The next day, the sales rep contacted someone in my state that had the license to sell to me, however, I felt the urge to research PPL further and read, in detail, some of the complaints from folks that actually joined up with PPL and failed. I cancelled right away, I fold! Shout out to those that shared their true experiences with PPL as an Independent Associate, you all saved me from making a decision that would have held me back worse than a DUI! I love you dearly (wink wink)....
One thing that really got to me, if I was to sell this product to my family and close friends as advised, I would have been banished from my village, kicked off the island with no clothes, and given a Whammy!
Do your research before you dive into an empty pool....cause that would hurt....peace and hair grease

Erik   Ann Arbor, MI

7:59pm on Friday, July 23rd, 2010 

Thank you all for the information. I am considering a position as a sales associate, and the comments have helped me know where to look more closely. I have two insights that (as far as I can tell) have not been mentioned in this discussion.

1. Prepaid legal offers access to legal services for paying a monthly fee. This means that the firm likely suffers from what economists call adverse selection. People who sign up as member likely "need" legal advise or consultation immediately. Since the legal issues that compelled them to join are likely to be resolved (in most cases) within a year, many people will see no need to continue paying a monthly fee. This explains why sales do not necessarily lead to a net gain in members on an annual basis.

2. I have worked as a grassroots canvasser with non-profit organizations for the past four years. I have gone door to door raising money for many reputable organizations like Sierra Club and the Human Rights Campaign. These groups are widely recognized for advocacy on environmental and public interest issues. The turnover rate for canvassers with my group is very high. Probably only 5% of the staff hired to go out and raise money stay with the organization more than 3 months. This is NOT because canvassing is a SCAM, but rather because it is very difficult to raise money door to door. It takes a very particular set of skills which most people either do not have or cant be taught quickly enough to make working as a canvasser worthwhile. I suspect that selling PPL memberships on the phone is also very difficult, but PERHAPS not impossible.

Please let me know if you have anything to ad.

Dustin   Oregon

6:16pm on Friday, July 23rd, 2010

Jo in Pa
You seem to be the only one who has an h/o for
Pre-paid Legal, you have that right. It is only obvious your digging and twisting to make your point. I know far to many people that this membership has helped and is helping for it to fall as a scam. I will say you are right about most of the associates, all they care about is quick buck and will say anything to get it. That is not the company's fault, it's human nature called greed. I to am doing very well selling the membership with close to an %80 retention.

Jo   Pa

2:23pm on Friday, July 23rd, 2010

No David, The best thing I can do is just what I am doing.

Attempting to point anyone who is thinking of signing up as an associate, or buy a membership. Ask more questions, than is forthcoming from an associate when they are recruiting.

Ask why only 1.5 million members after 38 years?

I am willing to bet, no recruiting associate tells a potential recruit of the published FAILURE RATE of an associate.

Add another to the downline, is all associates care about. 18 to 80 and not dead over 8 hours.

Actually Dave, I intend to direct as many as possible to the Prepaid Legals website, and read the 10Q and 8K reports. If they read and study those reports, it is all there.

I believe this past quarter, 123,000 memberships sold.... Yet, they ended the quarter with 19,000 less members. Losing the 123,000 they sold plus another 19,000. Quite a growing company..
However, this did not just occur in this quarter,only. But, rather the trend for several years.

The slide showing 2%-3% Market penetration, along with the 1.5 million members, has been used for 6 years. They have sold 3 million plans,in that period, still have 1.5 million members.


When was the last time you participated in a Membership Blitz? Most likely never. It is always a RECRUITING BLITZ.

Say as you will, but PPL is nothing more than a Pyramid Scam. I know, your contention will be, No, we offer a product. It is a product that has a 52% cancellation rate in year one,,, 65% in year two,, 72% in year three,,and it only gets worse..Selling 100 memberships today, will retain less than 10 ( In the quarterly reports) in seven years. Quite a product, that no one needs.

Kim   Tx

3:42pm on Thursday, July 22nd, 2010

Wow! It looks like a couple of people really hate
Pre-Paid Legal and some really like it.
I know for a fact the membership helps countless people including myself. I also know some people sell the membership with success and some do not.
I think that's why God made so many colors knowing he could not satisfy everybody.
I think real experience would be of value good or bad. I can tare down almost any company in America if I put my mind to it. that gets us no where.

David   Ca.

3:12pm on Thursday, July 22nd, 2010

Jo what is your hatred for PPL all about? Most of the problems PPL is the result of over active associates, the company has terminated all personal in gagging in the activities causing those investigations.
It's normal for CEO's to retire all though he still remains as chairman of the board, go figure.
The best thing you can do is not to become a member and do not buy any stock or become an associate. Your spin is making you dizzy.
Good Luck

Joe   Pa

1:54pm on Thursday, July 22nd, 2010

To Roy,

I see you bring up the same tired old line, a 38 year old company.

Do some math here.

They average 125,000 new sales a quarter, or a half a million a year. See 10Q report.

This is a 38 year old company with ONLY CURRENTLY, 1.5 million members.That is an average of 40,000 a year, while selling 125,000 a quarter. Where did they all go?

Do you even know the history of this company? Can you read, understand and explain your commission statement? I doubt it, I have never found an associate who can explain his own Commission statement, and I have ask a lot of them. I won't bother to ask you to explain residual income. But, I will tell you, when they say a little each month, the key word is little. But, here is the killer regarding residual income, with a 52% cancellation rate, in the first year. You can never quit. You have to sell 150% to maintain what you had to start with. Do the math.

Nice try.

Jo   Pa

1:26pm on Thursday, July 22nd, 2010 

To Roy(Ca).

I can't believe you would bring up the share price.
Anyone knowing anything about this stock, knows it is propped up by the Stock Buy Back Program, that has been going on for years. This can also be found in the quarterly reports. PPL has been borrowing money for years to apply in a major stock repurchase plan.This is another reason for the SEC investigation. The number look bad, stock prices fall. PPL steps in and buys some of the stock back. Less stock, more valuable. But that is a false sense of margins. Example 2nd quarter of 2009. Memberships off 10%,, Old members canceled up 10%. Two major indicators for how the company is doing. Yet the stock price was up $20, in the second quarter. LOL, go figure !!

If things are so rosy, why is Thomas Smith dumping ALL of his PPL shares, could it be, he wants out before the crash?

Joe   Pa

11:14am on Thursday, July 22nd, 2010

Agreeable in part John (from Ohio) Some of the Investigation was in part due to ADRS. This fell under the FTC. That investigation is still open along with the one filed by the SEC, Both were filed in October 2009.

Three (3) of several rulings from the SEC, resulted in PPL restating there past 10Q, and adding the information regarding the failure rate of associates. Which were 97% (only 3% made 10 sales) of the 450,000 associates have sold less than ten(10) plans. In addition, 93% of the 455,000 associates ever make ONE (1) sale. Regarding memberships, PPL was required to publish the cancellation rate of 53% rate in the first year.

These rulings were announced in the spring.

Shortly after the announcements, Thomas Smith, Prepaid Legals largest shareholder, filed required forms with the SEC, he was selling ALL his shares in PPL. Also, in that same time period, CEO Harland Stonecipher annonunced his retirement.

All of this information can be found at Prepaid Legals website, at www.prepaidlegal.com. Under Investors Relations. Check it out.

Roy   Ca.

10:06am on Thursday, July 22nd, 2010 

Jo Pa
I receive the quarterly when it is released, there is absolutely nothing to be alarmed at. It appears you are reading between the lines and injecting your own thoughts. This could be from your failure or dislike of Pre-Paid Legal.
If things are as bad as you say the stock price would tumble and the investors would be screaming loudly.I suggest you take a deep breath and relax.
Remember they have been in business 38 years.

John   Ohio

1:01am on Thursday, July 22nd, 2010

Sorry Jo
You need some help reading and understanding a corporation's quarterly report.The quarterly report looks pretty good, it also indicates why the stock price remains solid.
If you do not like PPL that's okay, lots of people including myself make a nice living marketing PPL plans in group market.

Joe   Pa

12:28am on Wednesday, July 21st, 2010

Sorry, but it is no spin, if it is published reports fro Prepaid Legal, and posted on their website.

I urge anyone thinking about buying a membership and especially those thinking about trying to sell this stuff..

Go to Prepaid Legals website at www.prepaidlegal.com. Read and study their quarterly and annual reports.

David   Ca.

9:50am on Tuesday, July 20th, 2010 

Well, some of you can spin all you want, the facts remain the same. If you fail in Pre-Paid Legal the only place you should look is at yourself.
You must run this as a business be open as much as possible and most of all take care of your customers. Stop looking for some one else or something else to blame,look in the mirror!

John   Ohio

12:17am on Tuesday, July 20th, 2010 

I am an associate with PPL and when I signed up my sponsor advised me to take commissions as earned This makes for a smaller income in the start, but 3 years later after staying busy with sales in the group market my income is 4800 a month now and if a member cancels it does not hurt as bad. If you do not follow up with your members they will cancel and it is your own fault.
The investigations you people like to harp on has do with the ADRS program and some bad business by a few associates. The company is doing everything possible to stop these people when they catch them they are terminated at once.

Tony   TX

4:36pm on Monday, July 19th, 2010 

Hey Joe,,

Thanks for the great information. I see what you mean.

They lost more members than they sold.

They sold over 125,000,but have almost 19,000 less total memberships than they had at the end of the last quarter. So, they lost the 125,000 they sold+ another 19,000 old members. Wow,

Did you notice, they are close to the total memberships they had at the end of the second quarter of 2009. It appears they lost everything they sold in the last 12 months.

OMG !!!!!!!!!,, they average around 125,000 a quarter this last year,in new sales. That means they lost a half million members in the last 12 months.

How do they stay in business? No wonder the FTC and SEC are investigating them.

Thanks again for the great information.

Joe   Pa.

11:00am on Monday, July 19th, 2010

I just read a few more posts,here.

Some stating, that all the failed sales associates are not true. The associates are at fault, the cancellation numbers are not true. Quite a few disagreeing with "Angry Housewife". She is Correct. 52% of the new members cancel in the first year. Sales Associates have to pay back the commission in a Chargeback. 92% of 450,000 Sales Associates never make a sale. Angry Housewife is telling the REAL Truth.

Please understand, Prepaid Legal (PPL) is still under investigation by the Federal Trade Commission(FTC) and the Securities and Exchange Commission(SEC).

Part of the the investigation resulted in the FTC and the SEC, FORCING PPL to provide more Sales information in their Quarterly and Annual reports. This is information the SEC and FTC wanted posted,NOW.. The investigation continues.

Members Cancellations and failed Sales Associates
can be viewed in these reports.

The CEO, Harland Stonescammer, suddenly announced he was retiring.
Thomas Smith, their major stockholder announced, he was in the process of unloading ALL of his stock holdings. WHY?

View, read and study these reports at www.prepaidlegal.com under Investor Relations. These are not reports someone made up. But, rather Reports PPL must provide to the public.

Joe   Pa.

10:33am on Monday, July 19th, 2010 

Due to being under investigation by the SEC and FTC,PPL was required to post more information on their quarterly reports, regarding sales. This information is in their reports. www.prepaidlegal.com. Under investors relations.
First, as an associate, you are paid a 1 year advance commission, on a sale. But should that sale cancel in that first year, you are charged a chargeback. By viewing their reports, you will see, that 52% cancel in the first year. There are currently 450,000 associates. 92% never make a sale. Only 3% will make more that 10 sales in a year. 92%= 414,000 never made a sale. 3% will sell more than 10 a year. 3%=13,500. State Farm has 55,000 sales agents nationwide. PPL has 450,000.

Membership in 2003,was 1.5 million. Today, 1.5 million.. with sales of 6 million. Where did all those sales go? They canceled,,

Don't take my word for it, read those quarterly and annual reports. Notice, average 125,000 sales in quarter, but Total membership is always less than the prior quarter. Usually around 20,000 less members a quarter, after 125,000 sales a quarter. Study those reports.

Dave   California

9:51am on Tuesday, July 13th, 2010

You raise more questions then you answer. Law enforcement can not do background checks on the general public with out probable cause. Why would you want a background check on someone inviting you to a meeting. In America when you pay your debt to society you can live your life as normal. PPL does in fact do background checks, they reject many with shady backgrounds. In many states your a felon for exceeding the speed limit by 20 mph same is true for a DUI. So what does you post have to do with PPL as business opportunity ?????

Greg P   Ohio

5:20pm on Monday, July 12th, 2010 

I actually went with PPL about 10 years ago and then quickly dropped it mostly due to the high-pressure tactics from the lady signed me up at the time.

SINCE then, I've resigned just a few years ago. There was one case where the attorneys sent a letter for my wife to a company with a defective product. We received a check for $500 from that company.
I am listed as an agent with PPL but have never made any money as an agent but I can honestly say that would be 100% on me for not chasing it. PPL is definitely "legit". I personally know of people that aggressively pursued the sales end of it and they've made some significant money as a result.
I believe some people are unhappy with PPL because it's not just a free card to excuse you from the law. Perhaps that's the way it was sold to them. If you understand and accept it for what it is, it's really not a bad service to have.

APK   Florida

1:09pm on Monday, July 12th, 2010 

Be very careful when you are dealing with anyone from PPL. This company doesn't run background checks on their employees/associates. A neighbor, who invited me to a PPL seminar, turned out to be a convicted felon. Thank goodness I have family in law enforcement and did a background check on this neighbor. Please do a background check on anyone that wants to get you into PPL. Convicted felons have found another way to scam money. I avoided a big problem before anything got started.

APK   Florida

1:59pm on Friday, July 9th, 2010 

Be careful when dealing with anyone from PPL. This company doesn't run background checks on their employees. A neighbor, who recruited me for PPL, turned out to be a convicted felon.

Roy   Ca.

9:08am on Thursday, July 8th, 2010 

Insider Ca.
You lose all your credibility when you will not use your real name. You say "rumor has it", that tells enough about your motives.
Complaints are handled through PPL's customer service program. If PPL allowed to go on what you state they would not be able to remain in business for 40 years and remain profitable.
I suggest to you, get a life!
Roy

The Insider   Ca

4:49am on Friday, July 2nd, 2010 

Parker-Stanbury which is the Ca provider firm for PPL is the worst law firm ever. The customer service dept isn't quite as bad as the referral staff and the referral staff isn't as bad as the make-shift management team.

P. Eugeren is the worst almost manager that I have ever dealt with. It is rumored that she hires and fires based on her own persona likes and dislikes and that her last face lift gave her such a boost that she went on a rampage and fired just because. The department is falling apart at the seams and it really is survival of the strongest around that place.

Do not try complaining because your complaint basically gets shuffled around. I had one really nice contact person there who always got things done on my behalf, rumor has it there was a plot out to fire her too. She was fired from that place and thank god re-located to another law firm where I continue to work with her.

I would never refer anyone to PARKER STANBURY for anything except a bad experience.

Michael   Sacramento

3:08pm on Sunday, June 27th, 2010 

I would like to addd that Prepaid is a solid business mdoel but as in anything that is being sold it will have the good and the bad. We do not stop our medical insurance when they tell us that we might have cancer do we? But if the lawyers say what we want we immediately say bad things about Prepaid Legal. This is a great company and the CEO is a great american for coming up with this. I am part time and love the company and will never go without the membership.

kevin   md

11:57am on Wednesday, June 23rd, 2010

what i dont understand is how people can bash a company without understanding it or trying it if you base your decisions on joining a company off forums then you will be a lost soul forums are peoples opinions i myself have been with the company for a month in my first month i have made $414 how can you bash a company that is jus marketing (promoting) their business mcdonalds had to do the same just as walmart just as shoppers food any company that is looking to push their business in a positive directions needs people that are willing to market and advertise there business or else it will not make it very far.. im just saying how can a company be a national wide scam for 38 years?

Dante   Ohio

11:49pm on Tuesday, June 8th, 2010 

The Prepaid Legal Product is solid. It is an excellent opportunity to access the Legal System for Low and Middle Income Families and even others of higher wealth who understand its value. The sad part of the dialogue here is that a few people with unrealistic expectations are degrading themselves by trying to drag the product down by exploiting their failure to understand the product and its proper use. I have used the membership for over 15 years for what it is intended and never had a problem or been disappointed by the outcome. No one is obligated to commit or coerced to join, if a person cannot see the value of the product in their life it is understandable if they do not chose to join, those who do use it correctly will never want to be without it simply because of the Benefit of having the protection value for members and their families.

Although I feel compassion for the people with negative comments I do have to wonder what their motivation was for getting involved in the program were and why this is the medium used to vent their frustration when most complaints are easily resolved by speaking with representatives and actually listening to what they are being told. This is a consistent strong growth well established Company with a long and strong track record of Success. I wish others well in finding a similar product with the same benefits.

Karen   Portland

1:04am on Tuesday, June 8th, 2010

All the pros that have been explained have been explained well and clearly. All the cons sound more to me like they are coming from people who had one poor experience and instead of following up with it and attempting to get the problem solved, you'd rather sit there and be a victim and blame the company as a whole.

I have used this company for many years and it has saved me a generous amount of money, it has paid for itself for years to come. I had one less than satisfied experience and called customer service and it was followed up on and I've never had a complaint since then.
Remember also, that just because you have access to an attorny doesn't always mean they are going to tell you what you wanted to hear, however they are going to tell you even if you're at a wall with your situation that you have done everything at that point that you could have done. Rather than always wondering if you could have done more.

I do believe that if you cannot make it with this company, you are the only one to blame. Success, no matter what avenue you take, isn't handed to you. This business as many others is filled with successful people who worked hard for what they got.

Chad G   Port Huron, MI

2:15pm on Thursday, June 3rd, 2010 

This service is unlike anything I've ever seen! For a simple low monthly payment of $26, you get access to a law firm near you that helps you take care of any legal needs that arise in your life! I've used my membership to get rid of 2 traffic tickets that I got, Made a Will out, and received legal advice on what to do when I was screwed out of money from my employer. Just like a few others said.... I'm Prepaid Legal for life!

T   SC

11:28am on Wednesday, June 2nd, 2010 

For all of the people posting that Prepaid Legal is a scam or pyramid scheme, you definitely do not understand the business model. When you join as an associate you don't make money for signing up another associate, you make money for selling them the membership, something you probably would have done anyway. So essentially, your providing them with a business opportunity. Just like any other business, there is a right and a wrong way to do it and many of the people who have "tried it and it doesn't work" obviously did not follow the system that is in place, did not take it seriously or tried to do in their own way. Scams can not be listed on the New York Stock Exchange, which this company is and is also acreddited by both the Better Business Bureau and the Chamber of Commerce. So let's get the facts straight people. Prepaid Legal is legit!!!

Roy   Ca.

9:52am on Tuesday, May 25th, 2010 

I had to make a decision between bankruptcy and a home loan mod in which the loan company was not of much help.
I used this service for the first time and all I can say is wow! I used two attorneys one a rel-estate attorney and another a bankruptcy attorney. I must have called each 7 or 8 times and got all the answers I needed and exact instructions on what to do and not to do. I almost went with one of those companies that we all hear on the radio ads. I was advised most of them are a scam. I stuck with the prepaid legal attorneys and can not be more satisfied. They allowed me to sleep better. I am actually looking forward to using this service again.
I will be a member for a long time to come.

Tracey   L.A.

10:18am on Saturday, May 22nd, 2010 

Absolutely the best money I have ever spent. I have not had the kind of experience you talk about. I joined 3 years ago and will remain a member as long as I am alive.
I have had my Will done and Living Will market value about $700, they helped me in small claims court with a case with a car dealer. No you can not have an Attorney in small claims court, they hand wrote me an outline to use and advised me what to say and not to say, $200 value. I had a problem with a credit card company, only few dollars, they wrote a letter to the company problems solved. That saved me $75.00 plus an attorney would have charged about $75.00 for the letter, that's $150.00 saved. One thing you are not thinking about, is the piece of mind knowing you have a quality attorney just a phone call away priceless. Every attorney I have spoken with from this company has bent over backwards to be sure they have helped me as much as they can.
Member for Life

Bill   Nevada

10:02am on Saturday, May 22nd, 2010 

I do not sell for this company. We have been a member of Pre-Paid for six years. We have never had to go through a directory of lawyers, one phone takes care of everything. Most of the time they call us back in less then two hours. No way, any lawyers are going to do for us for free, what we have used this service for. In six years we have spent $1864.80 for our membership. We have received over $10,000 worth of service, damn it's a no brainier. How can you possibly say the membership is not worth having? My friend you need to have you head examined.

Jim   California

12:14am on Saturday, May 22nd, 2010 

Why do you hide under the name "Anonymous" ?
I guess if you don't have facts it's the cowards way out.
With PPLSI you do not get a directory of Attorneys,
you get one number to call, a Law Frim which in turn matches you with best attorney for your needs. If you do not like the attorney you are free to ask for another one. The Will is included with the membership for the member and spouse and updates are available at no extra charge. A husband and wife get their Will done plus a list of other benefits to large to list here for a fee of less than $300 a year.
You do not have to search a directory and take a guess at witch attorney is best. Yes some attorneys will give free consultation once but the clock starts ticking there after.
PPLSI monitors their attorneys much closer than a referral service.
You may have a point for most of the companies offering pre-paid legal services. There are many companies that use a variation of their name.
There is only one Pre-Paid Legal Services Inc. the reast are all me to or want to be companies.
You can do yourself a lot of good if you got your facts straight.

Anonymous   Washington DC

10:47am on Friday, May 21st, 2010 

Pre-paid legal services in general tend not to be that good of a deal. You pay a small premium ($20 to $40) each month. You get a directory of attorneys (or worse, a single attorney that you have to use), and a discounted rate on many services.

What the pre-paid legal service companies don't tell you is that most law firms and attorneys will give you a discounted rate and you can get a directory of highly qualified attorneys for your area by calling the local bar association's lawyer referral service.

So that "free" simple will you can get for premium payments of $480 a year, well, you can call most attorneys and get the exact same thing for around $450 - $500.

Plus, the lawyer referral services monitor attorney performance more closely than the pre-paid legal services companies, and they don't charge you to access their list of attorneys.

You're basically paying $500 a year for a middleman when you could use lawyer referral services and get the same result for $500 less.

There are a number of scholarly articles that have analyzed the industry (e.g., Pre-Paid Legal Services: Prometheus or the Trojan Horse, etc.). Talk to your local bar association's lawyer referral service before you pay any money on one of these programs.

George   Oklahoma

3:27pm on Saturday, May 8th, 2010 

I have had PPL before and it was good for me. I lost my job and canceled my membership and hadn't went back to get it. I am actually looking to start up a new membership just trying to find someone that sells it but I had it and had great service from them

David   Reno

11:46am on Friday, April 30th, 2010 

I have had the membership for five years now and would not be without it.
That being said is anybody make a good living selling the membership? Please no scorched earth responses, just simple facts.
Some people could not sell water in the desert and some people can sell an Eskimo an ice cube.
Just some first hand facts, not what you heard or read, just your experiences please
Thanks
David

Robert   Atlanta Ga.

5:16pm on Thursday, April 29th, 2010 

PPL is not an attack dog, they are simply to help you stay out of trouble. I really do not think you will get Attorneys to write letters for free.
PPL has a Law Firm on retainer in Ga. The firm is Deming,Parker,Hoffman,Campbell and Daly. They are one of the top rated firms in the state. Often times we don't like what the attorneys tell us, we think we are right and they are wrong. They know the law and how it is applied we do not. The idea behind PPL is to save you money and time, you don't have research the phone book trying to pick out a good attorney.
They have written letters for me when they thought would help and they have told me not bother I have no case.
A monthly fee of $15.95 is pretty reasonable on anybody's standards.
There is no directory of Attorneys, you could possibly have a different legal plan provider, there are several doing business with names like PPL, you should do the research to make sure.

Ryan   Atlanta, Ga

11:07am on Thursday, April 29th, 2010 

They are not quite a scam but pretty close. Plain and simple when you sign up for PPL (not as a reseller) but as new client you are basically paying for a directory of attorneys that you could have found yourself if you did the homework. Yes they offer to write letters and various other small tasks that most attorneys will offer for free or at a small cost normally below your monthly fees. Also the company i work for wanted to have a letter written and sent to a competitor who was slandering our company. Well each attorney we contacted wanted us to retain them at a 25% discount, and would not type the letter for free like PPL told us they would. So i called and acted as a new client and was quoted the same rate we were charged through our PPL. It seemed as if all three attorneys we contacted just marked their rates up 25% so your discount with PPL did not even apply. Well i explain more but i am at work and have to go.

Tracy   Califronia

5:31pm on Wednesday, April 28th, 2010 

does it matter Orlando

I think before you call some one dumb you should read your own post, wow it's hard to understand what you are trying to say.

Remember you can lead a horse to water but you can't make him drink. I hope that's not over your head.
I do mainly direct selling very little team building, I can sell a membership and put under some one else for only a short time and if they do not make any effort to learn, they are on their own.
Must people fail at PPL simply because they won't follow the plan that has been working for years. You see most of these people are failures already and we give them a second opportunity to change their life. What they do with that is up to them.

Just be careful who you call stupid try reading your own post. You are an example of what I am talking about.

does it matter   orlando

2:01pm on Wednesday, April 28th, 2010 

tracy from cali your dumb for saying your own family member fails at everything, ppl and their "sell directors" are support to help everyone out right? because thats what they are there for. Then why is someone failing. if anything thats your fault for not helping that person

and second of all ppl is not a scam if you just buy the product and not sell it, but thats not what they want they want you to buy it and sell it and if your friends and family dont agree with you then you get all mad because they look at the negative things about it. All you pre paid legal people should shut up and get your facts straight!
If you are selling this ppl thing right and your trying to see it to your family and they say no and then a week later sign up with someone else that is not is your "branch" your gonna tell me your not gonna be mad? but you cant be remember
the "only" reason you want them to sign up is you want to help them so if they signed up someone where its okay right? you ppl people are a bunch of stupid people

Tracy   California

10:09pm on Saturday, April 24th, 2010

Bernie, you quote the short sellers fine. It is true that most associates do not make any money, but that's their own fault. If you wait for money to come to you it can be a long wait.
It is also a direct selling company, I do very well at direct selling the plans,and not so well building a team, for others it's just opposite. I have sold as many as 50 in a week with %82 staying on the books.
You can not paint this or other companies with such a broad brush. I have family members that could not do anything with this company, they also failed at most everything they try.

Nic   Minnesota

11:43am on Friday, April 23rd, 2010

I'm thinking about enrolling. With that said, I would like to hear from someone who is experienced with the company (2+ years) and hear some of the downsides/faults of the business (PPL). It can't be all $$$ and happiness!

Bernie   Raleigh, NC

11:51pm on Thursday, April 22nd, 2010 

This company is currently under the investigation of the SEC.

In 2009, Pre-Paid Legal Services reported that only 1.6 percent of vested sales associates personally sold more than 10 memberships. With annual commissions of $16 or $25 per sale of a family plan for associates selling less than 25 memberships, this means that 98.4 percent of vested associates make less than $250 per year.

Multi-level marketing is not direct selling and is nothing more than a money transfer game where the product or service is merely the excuse used to move the money from those at the bottom of the pyramid to the exclusive minority at the top of the pyramid.

Dave   California

9:35am on Monday, April 12th, 2010 

Karyn Ca.
You know not of which you speak. In California the Pre-Paid Legal LAW FIRM is Parker Stanbury LLP one of the highest rated Firms in the State founded in 1927 with over 80 Attorneys.
You are right some attorneys will not charge for a single phone call, but try calling them every week or month about something different and the free stuff stops. Before PPL I paid $250 to have 2 letters written on my behalf to an Attorney who overcharged me on another matter. These services are included in a membership. Try calling an Attorney 24 hours a day 7 days a week and see how much they charge, if you won't charge for that service please give me you phone #. How much would you charge for 60 hours of attorney time in defense of a civil law suit? At only $ 100 an hour that's about $6000.00 alone.
For you to make the statements you have without knowing the facts is proof " Not all Attorneys are created equal".
What's your flat fee for representing me in traffic court, in all parts of the state? Or if I travel in other states on a vacation or business trip. Will you come to Arizona or Ohio to represent me? Can you even practice law in those states? Please educate yourself before slamming something that it appears you know nothing about.
I have been a member for 7 years and I use the service as often as possible. The money they have saved me is worth 10-15 times my membership
Dave in California
p.s. I sell the membership part time, send me your address and I will send you the fine print on the contract.

Karyn   Caifornia

6:31pm on Sunday, April 11th, 2010 

My problem is that your company misrepresents the legal profession and "savings" that people receive. All attorneys are not created equal nor do they charge equally. Some of us even charge flat fees for services. In an age where we are complaining about the word being overly litigious, Pre Paid Legal encourages just that. And the friends I have seen who have shown me their estimated "savings" have all been vastly overestimated for the relevant market. Does that rise to the level of scam? I'd say the word is too strong, but it does take advantage of people. And as I said, lawyers are not all created equally. Some lawyers charge more per hour and are worth it. Thus far I have yet to encounter an attorney working for PrePaid Legal that was worth even the "allegedly" reduced rates being billed.

This is not sour grapes - I have been attempted to be recruited various times, I refused. I only perform traditional legal work for family. I did my time in "big law". I prefer mediation, thank you.

RockGod   Sherman Oaks, Ca

10:22pm on Monday, April 5th, 2010 

Prepaid legal rocks bro!

Jimmy Rogue   new jersey

10:48am on Wednesday, March 31st, 2010 

i am currently a director this this business and im am proud to say that prepaid legal services has been the greatest opportunity not only for me and my family to be protected, and save alot of money, but also making a significant amount of money partime.

R.Bright   Fort Wayne

10:20am on Tuesday, March 23rd, 2010 

I need legal help , I'm not trying to be taken in by some scam.

Steve   California

3:18pm on Monday, March 22nd, 2010 

I just wanted to through in my 2 cents in about this. I have had PPL for about 10 years. I do not sell it i only pay a little each month for its services. Over this period of time i have had to use it about 5 or 6 times and they have helped me every time. I also had the chance to sell it but after looking at what i would of had to do and the time i would of had to spend doing it i thought it wasnt worth my time selling it. It is a good service to have.

Jordan Dilworth   San Diego California

4:31pm on Tuesday, March 16th, 2010 

PPL is the Best Company out right now... its not for everyone and its not hard, but its simple... If your a people person or even a person that knows how to network, i Strongly suggest you get into this business... I made over $1700 in the first month with PPL, and i've had my membership for 3 weeks... !!!

Ron   Georgia

12:18pm on Sunday, March 7th, 2010

Here's the thing PPL the business opportunity isn't for everyone. PPL the service should be for everyone. A lot of people go into PPL business opportunity thinking it is an easy way to make money. When the money doesn't roll in then they get disgruntled. For the Angry wife in TN, there is a way for an associate to keep part of the commission if a client drops the service. They should speak with their upline to get that service setup. (Maybe they already have but he didn't tell his wife....)

I for one am tired of working a 9 to 5 job. And let's face it.. There is hardly a 9 to 5 job out there that pays well. People are working 12 to 14 hour shifts out there and maybe even more but they aren't getting any more financially sound (richer..) by working the extra hours. Some guy at the top is getting richer from their hard efforts. (Yes.. I know that their are people who are working on hourly wages and this part of the rant doesn't apply to them...)

Like I said in the beginning, PPL the business doesn't fit everyone. But if you are driven and want to get out of the 9-5ish grind, give yourself the benefit of giving it a try.

John Mann   San Diego, CA

4:38pm on Saturday, March 6th, 2010 

I am a customer with Pre-Paid Legal and have been for going on 7 years now. This legal service has helped me many times. Be it simple phone call to ask a question of a lawyer, or having a letter written on my behalf to my past landlord (saved $576.98) to agree to let me loose from my lease under its provisions.

I have many different small time legal matters taken care of in a very timely manner that would have been drawn out for weeks or even months.

Additionally, I got a speeding ticket while driving out in the middle of nowhere on the I-5 a few years back and had to go to court in the small town of Lodi. Pre-Paid provided me with a local lawyer that defended my case. I did lose my case but the lawyer that stood beside me was good and gave it his all.

I don't sell the product but I do like having this service to help me with many of life's smaller legal matters. Pre-paid is not Perry Mason but it is worth the monthly fee to me because they have made my life a good deal more pleasant.

Karen   California

9:02am on Friday, March 5th, 2010 

Pre-Paid Legal is not a scam, it is not an easy way to get rich either. We have been at for 2 years and put in about 10 -20 hours a week,we do not make a lot of money but we keep the wolf away from the door. We know some people that make large amounts of money and we know some people that make nothing also. This we know, if you fail with this company it is definitely your own fault, not the companies.
So stop crying look in mirror and get to work.
Karen

A friend   The states

10:48pm on Thursday, March 4th, 2010 

Why couldn't my comment be posted.. it said I used swearing.. which I didn't. Pretty disappointing I had a lot to say but I don't feel like typing it again. All I will say is don't sell your soul, there is nothing part time about it and everyone I know in PPL still has other jobs they work at or more often supported by a bf or gf that has another job while they work on "manifesting their dreams" lol they all make less than my friend that has a minimum wage job and works the same amount as they do without the stress of trying to manipulate people to buy something they don't want. To all you PPL people out there... what's your number? 1,2 or 3? What color are you on their chart based on your house and car.. red, yellow, green?

And you all say theres no first hand bad experiences? I have yet to hear a first hand TESTIMONIAL of a GOOD experience with the company other than sales associates trying to justify it because they sell it. And they just spout off the same thing they say at their cultish meetings with chanting, cheering the whole deal. "i's are dotted and the t's are crossed" LOL really? listen to yourself.. there isn't anything of substance. Many pyramid scams front as "multi level marketing" and lasted well over 25 years (and they weren't run by lawyers) And anyone who says they make low to mid 5 figures I think really means 100.00-500.00. Nobody has been able to prove anything over that to me. Even when I told them I'd sign up if they could prove that. I know many people in it yet nobody can do it. The proof is in the pudding. And these people have been in for 10 plus years. So think about it. I don't know whether it's a scam, but I do know that any successful scam has to appear legitimate just to be successful. So don't count your eggs before they have hatched. Which is the opposite of what pre paid will tell you to do.

johnathon   washington

12:05pm on Sunday, February 28th, 2010 

The question at the top Is Pre-Paid legal a Scam ?
Well they have been around way to long to be scam, way to many people make large amounts of money for this to be scam.
The question should be is it easy NO, but it is very simple to do. You can spend lots of money trying to find the easy way, no matter how much you spend you will not find the easy way. You must do the leg work. Weather it is the pro sports, the music industry, acting, modeling etc the very successful work their off to achieve success.

Steve   Dallas

9:59pm on Saturday, February 27th, 2010 

Nolan C Hawaii
That only works if your selling a product and do not care to have one on one personal relationship with your clients.
It is another way to be sure you get a bunch of 911 members, which will always cause a lot of charge backs, which will in turn destroy any residual income for the future.
You are right to be careful on the purchase of tools, the best overall success comes from belly to belly meetings and service, takes longer but well worth it.
Steve

Nolan C   Hawaii

5:57am on Friday, February 26th, 2010 

For all you complaining that its hard why dont you all stop wasting money on DVD's and briefings and the core trainings and start building your business online. Brand yourself.Its called ATTRACTION MARKETING. STOP WITH THOSE DINOSAUR TACTICS! cold calling is outdated.

Jim   Portland

2:55am on Friday, February 26th, 2010 

I have been an associate for a bout 2 months and I am new to the area. Im not working another job so I have no coworkers to try to sign up and my family members arent interested either. For you veteran members who are you selling either the business or legal plan to and what method has been successful? I tried random people on the street and found pretty much NO ONE is interested. Really considering getting out before Im in too deep with expenses.

Steve   Texas

1:50am on Thursday, February 25th, 2010 

It is a real shame that people assume what they dont know and they fill in the blanks that are missing. #1-Apparently people dont know what a pyramid scheme is. As stated earlier, it is a pyramid scheme when there is little/no product being sold to the public. And again, is illegal. Interesting how state attorney generals are endorsing the product if its illegal. Associates are asked to get memberships so that they can not only use the product, but be able to have passion for it and share their benefits from it. Facts tell, stories sell. #2- People are urged to work on their product presentation with their families and their friends so that they do not go talk to potential customers ill-prepared. Its called practice. If their friends/family decide to take a memebership, thats just backing the fact that its a good product. #3- People above the salespeople do make commission on what the people below them sell. Its called management. A car salesman sells a car. He makes money. So does his sales manager, his department director, his general sales manager, the owner of the dealership, and the factory (if its a new car). Sound familiar. Its how sales works. To all of you who are too scared to take opportunities becauase they sound too good to be true or you cant work for yourself and get up and work everyday without having to-Please stay away from PPL. The world needs people to do jobs where they work for other people and are told how much money they are worth. Good luck in whatever you do. And last but not least, there is no huge start-up fee. Its $49/month for training, starting supplies, etc. Congrats to the believers/achievers and good luck to the skeptics and sheep.

William   Ohio

9:19pm on Saturday, February 20th, 2010

State your facts and you sources, explain exactly what happened to Enron. I guess the National Association of States Attorneys General is also a fraud.
If you do not like this company that's okay but at least have some substance.
People would like some first hand experience, not sour grapes gripes, if you have reports that are factual I would like to hear them.

Jason   Dallas

3:20pm on Saturday, February 20th, 2010 

Enron was a public company, a member of the fortune 500 and a complete, total scam. They had no integrity, despite the outcome of an intermittently acceptable product. The fact that this company is public and a member of the BBB means nothing. They have been chased by the FTC for fraud. A company that can offer this service and do it honestly has a good product on their hands. Unfortunately, it does not appear this company has that intention.

Katrina   Arkansas

1:17pm on Friday, February 19th, 2010 

I have used Pre Paid Legal a few times and they have always treated me with respect.The lawyers that I have used my problems were taken care of.

Will   Kingsland GA

3:12pm on Tuesday, February 16th, 2010 

I just got my membership 6 weeks ago and the attorneys have saved me over 4 thousand dollars and cleaned up my credit report. I love these services and I recommend them to everyone. It doesn't make sense not to have Pre-Paid Legal.

Steve   Anaheim Ca.

8:41am on Tuesday, February 16th, 2010 

CAUTION for those looking at Pre-Paid Legal
1 It might solve you financial situation.
2 You might meet some knew and good friends.
3 You might no have to work as hard as you do now.
4 You might build a nice retirement income.
All that said, be careful what you spend, treat it as a business not a hobby, LEARN the product, be honest not greedy and set some goals. Finally do not quit, that's the only way you can fail.
Success is a Journey not a Destination.
See ya along the way!

Justin   Orlando

9:33am on Tuesday, February 9th, 2010 

J. Howard Indiana
As you state the problem, you are correct, but remember that person was an associate not an employee. That does not make it right. You should never be taken that way.
I would like you to think about a few things, this company could not stay in business for 38 years if that is the way they did business, they also could not maintain their extremely high rating with the BBB if they did business in that manner. Their advisory council is made up of States Attorney Generals whose job in life is to protect the public from companies that scam the public. I will assure you that some action has been taken with the person you mentioned.
Again Sorry for your problems.
Justin

J Howard   Indiana

8:16pm on Monday, February 8th, 2010 

Justin from Orlando,
I do not EVER berate a company unless I have had very poor service. To correct you on my case in point. I still have the email from the sales lady herself who said "I must have been a sleep" when she for got to tell me she signed me up for a 10.00 extra service of Identity theft. Then she charged me over the going rate per month advertised by PP Legal and on top of that charged me for a new customer service fee.
I attempted to cancel the policy the day I purchased it and said nothing. It took me several emails and phone calls to get my cancellation processed and then they send me an email stating they had the right to hold my money up to 60 days and will prorate it based on when they received my cancellation waiver. I called again after no response and was requested to send them a SECOND waiver. That means they are prorating a week or more because they didn't get the 1st one.
Secondly I didnt read a contract because it was well over a week after I signed up that I got the contracts. Does this mean I should forfeit money because I paid and jumped before getting contracts? Any other public company I deal with gives refunds at time of service they dont hold it in a bank and draw interest on it until they feel like giving it back!

Justin   Orlando

9:34pm on Sunday, February 7th, 2010 

Sorry for your problems, but you should have read the contract, it spells it out exactly. That still
doesn't excuse the person that signed you, any from wrong doing. If you filed a complaint with the company I am willing to bet that individual has been terminated. They do not stand for shady practices.
As far as the business part goes you must be careful what you spend just like any other business.I worked it part time for a couple of years and I am full time, which is about 30 hours a week and bring in a low to mid 5 figure income each month. If I put in more hours I know I can make more. Non the less it is a great opportunity, and I very happy with all parts of the company.
Justin

J. Howard   Indiana

9:03am on Saturday, January 30th, 2010 

I am working toward custody of a nephew, I posted on craigslist.org for advice on legal help. A rep from prepaidlegal contacted me and said I would have endless letters and help for my case. I took the bait and purchased. The same day I purchased I called the atty for my area and was told unless I retained them they couldn't help me. I called customer service and found out I only got 1 free letter "per matter" and for family law I would receive 25% discount from a atty if I hired one in their system. I called to cancel my order, sent the wavier back, no response. I called again was disconnected. I called again and spoke to a helpful man that said he would process it in order received. I few days latter get another email that it will take 60 days per rules of ? they have that option OR I could contact my bank and dispute the charges and they would contact prepaidlegal for the funds, the email said that would be my choice.
SO IF YOU HAVE FAMILY MATTERS or need real ATTY help RUN> seek help in probono or some other means.

jenny   california

5:46am on Wednesday, November 4th, 2009 

I used to be an associate for about 8 months. I was making a decent amount every month. Although, in the end, I was losing money, I spent more on the supplies, meetings, conventions, etc.

Now, this is business on the side, they said something you can do on your spare time. Being a PPL associate, will slowly, but surely CONSUME YOUR TIME. In the end, all your focus is on PPL. Trust me, you will be become BRAIN-WASHED.

It is a PYRAMID SCHEME. To truly become the best in the company, you must be a CON ARTIST & somewhat have a selfish/greedy trait. I've seen some associates at work, and they will DO ANYTHING for that money.

This teaches kids that you can attain the future you wanted in a year or so...That's not what life is about. Its for kids to earn their future, they will appreciate it more by that way. Let's be real here, of course there are the few who made success in this business, but WILL ALL OF US join the top with them??? NOT LIKELY.

There was no situation where I had to use the membership, so I cannot speak on that part.

For a final note, I SUGGEST DO NOT SIGN UP TO BE A PPL ASSOCIATE, unless you are willing to dedicate your soul to it. Say goodbye to spending time with your family, friends, school, work, etc. Watch out for your "so called PPL family" Their intentions are not what you think. You'll soon become one of them...the one on the other line naggy someone constantly to join PPL. Also, if your customer does not want to join, you'll make them feel stupid & useless with motivational quotes and saying that their future is not looking so bright. If you are ready for all of that....TRY IT, GOOD LUCK!!!

By the way, no disrespect to those PPl associates who really have the heart to help people more than themselves. GOOD LUCK!

Jude Hodge   Oregon Coast

5:09pm on Sunday, November 1st, 2009 

37 year old company listed on the stock exchange and people still want to scream scam?

The law is their business and all i's are dotted and t's are crossed.

I have been in this industry 18 years and recently joined them and am doing great.

My only wish is that I would of joined them 11 years ago the first time I was shown the program.

But it is never to late and I am thrilled that I am now a PPL associate. Questions? Feel free to google my name and contact me!
Jude Hodge

Terry   California

8:50am on Thursday, October 29th, 2009

I would sure like to hear about any legitimate first hand complaints. What I read here are people with an axe to grind. I see most people are very happy with the service but no reliable info on the business.
Thanks
Terry