Teresa’s Prepaid Legal Plan, A Legal Shield Business

Yes, how can you protect yourself without something on paper.  A verbal agreement means nothing.

If you and your spouse have decided to live separately; then you should have some form of a legal separation agreement.

If you both are owners of your home, have children, have joint bank accounts; car & home financial interests in both names it makes sense to protect both of you  financially while living apart.

The problem most couples run into…is that not all states recognize a legal separation.  If your state that you lived in,  doesn’t recognize a legal separation; then you will have to start proceedings for a Divorce.

Once you file for divorce and both of you  have signed the agreement. You will have to have a judge  sign the agreement for it to become, “legal.”

Once the judge signs the agreement, you each will have a, “ temporary court order.”  This temporary order will outline the responsibilities of each party during the time of separation and before the divorce is final.

If you have children, support has to be provided for them.  And, it’s in your best interest to find yourself a good divorce attorney to represent you.

If you and your spouse are having conflicts with each other.  You should proceed ahead with the divorce.

If you have children and want child support. You can’t enforce the payment of child support without a legal court order.

If you have children and need to set up a visitation schedule.

If you are a non-working spouse and have a need for spousal support. Once again, this can’t be enforced without a legal court order.

You will need to come to agreement on who pays what bills.  If you own a home, a legal separation agreement is imperative to keep from falling behind on mortgage payments.

You need to take into consideration issues such as health insurance. Who will maintain coverage, who will pay out of pocket expenses if a child becomes ill?

There is also the issue of cohabitation. Should your child be exposed to another man/woman spending the night at your spouse’s home?

In most cases, a legal separation is a prelude to divorce.  Divorce is more likely to be riddled with conflict than to be amicable.

The longer you are separated the more intense the conflict may become. If that is the situation, you want a legal separation agreement or temporary court order that will cover all the bases and protect your legal rights.

Are  You a Candidate for I.D. Theft?

Not directly,  because nobody wants to become a statistic.  Identity theft’s occur every 15 minutes somewhere in our world!!!  It is very frightening when it happens to you.  And, it can happen to anyone, any given part of the day, eve or night.  There are not hardly any laws in place that can help prevent this from happening.

In a matter of seconds, by someone tapping the wrong key, or coming up accidentially with the right password,  maybe (your password)  and then with the right connection, (they can  acquire someone’s personal information).  Is it right?

It is called Fraud, but try proving it.   You need Prepaid Legal Services in your corner.  They will represent you, and if there is someone to prosceute, they  will imply the  criminal penalties that vary depending on the severity of the crime and the state where the theft occurs

It is hard to track an I.D. theft fraud.  Who ever has stolen your I.D. has left a trail, but not to their door step.  Lawmakers today recognize that more I.D. thefts are occuring, and they are trying to come up with more I.D. theft laws.

PPL has it’s own watch dog and we watch it daily.  Once a month, you will get a report from them advising you all the hits that have been submitted on your credit.  It’s a great service for only $10 a month to have

I.D. Theft Service is available in all 50 states of the U.S.    So, protect your self for only pennies a day when you sign up with Prepaid Legal Services and let us be our I.D. Theft Shield Watchdog.

As more and more people spend time online, the amount of personal data shared by computers also increases, presenting more targets for identity thieves. Just as governments and telecommunication providers strive to provide Internet access to more people, they must also ensure the security of those new customers’ personal data.

If I can be of assistance to anyone, in signing them up with Prepaid Legal Services, please contact me by email.

This is very hard, unless you have a secure site.  Is there a secure site on line?  If so, where is it?   None of them are 100% secure.  95% maybe.

Electronic file systems  are more in demand as ever.  More users now look for ways to store documentation, and more  information online.

My suggestion to you,   do not store any legal document online.  Make a hard-copy of it, and give a copy to your attorney, and store one in your safety deposit box.

Some people boo-hoo me - stating paper storage went out eons ago.  Maybe it did, but for my own security I still prefer to have a back up in hard-copy form.

I’ve been told numerous times, that anything electronic will not hold up in court.  Hello!!  That includes anything legal as well.

Paper Storage  -most companies want to get rid of their papers, and file everything electronically.  Is it strange to have both, a electronic and a paper copy?

Storing and managing legal documents electronically can save space and time.  And, more companies are encouraging electronic storage of all documents from you electric bill to you phone bill.

But, that doesn’t make it safe.   And, it does not protect you, The Consumer.  That’s the bottom line.

In your business, have you asked your customers or clients how they would feel - if you quit the “paper trail” and went electronic?

Some will probably agree that they will be secure with you, just because they trust you.    Some others may be more skeptical.

Are back ups needed to  maintain security?

One concern I have, is that someone may release my information without my agreement for it to released.

What action is taken then, to protect me from being spammed, or from someone getting access to my files?  Most companies offer Software options, including those that help maintain your security.

Because documents are  stored on a central server, backing up the information on the server is critical.

Several days monthly, back-ups should be made to a separate hard drive to keep it safe in the event of data loss or hard drive malfunction.

Remote backup options should be explored in case a disaster like flood or fire damages all the equipment stored in your office.

For more information, consult with your legal provider.  You can find us on twitter.com/teresaslegalplan

Small Business Check  up

Last year, I went in for my annual checkup, and did not like what the numbers were telling me. Cholesterol was up. Blood pressure was up. And–horror of horrors–my weight was up (again). I was close to turning my medicine cabinet into a functioning pharmacy, with a full color palette of pills, capsules and tablets.  If I didn’t make changes soon, my health could seriously be at risk–which would mean ever-increasing medical costs.

You only have to hit me in the head with a brick a dozen or so times before I actually get the lesson. So this  year, I am turning a new corner:   I am on a 1500 calorie diet, and I’m watching everything I put in my mouth.  I cannot tell you how often I literally crave - fried foods like french fries and cheesy french fries. (But, I know they are loaded with fat and lots of calories!), And, I’m counting everything, I cannot cheat, it always shows up somewhere. I am trying to stay on course, and get to the gym twice or three times a week, I have a exercise schedule now in place.   I hope I will start to see the pounds drop and I will continue counting, until I reach that goal weight.

When I reflect back at the end of this year.  I hope I can see a big difference.  So, if you are over weight like me, start on a good healthy diet and stick with it.

So why  don’t we want our businesses to be healthy, and legally sound?

Well,  perhaps its because we want to avoid visiting the  (juris) doctor. After all, who likes being told that your business  is on a legally shaky foundation.  No one wants to hear that!

Maybe, your client contracts have holes  in it like Swiss cheese, and your website terms for your business are under attack, your website designer has quit on you.  And, you know nothing about legal aspects of having a website , a webstore, a e-commerce site for your business.

Do you know anything about the business laws in your state?

Do you have an attorney in place - to assist  and protect your business needs?

Nothing is going to happen anyway, you will save some monies this year because  your business will run smoothly without complications.

What happens if someone drives their vehicle right into your business door?  Well, you probably say that you have property insurance and that it will take care of the damages.  What happens if the person that causes the accident is hurt, and they turn in all their medical bills, and you pay for some of them, but they keep coming in to you, bleeding you dry.

Now, are you legally sound?  Is your business being protected?  Who is protecting you from being sued?

I no longer ask businesses, “Who can hurt them?”  Or, are they protected?” ” In our litigious society, why leave these issues to chance? An unseen loophole or ambiguous language is all a savvy attorney needs to turn a sniffle (a technicality) into walking pneumonia (litigation). If business isn’t booming, your company could be just one step from a visit to the emergency room (bankruptcy).

No need for this to be guesswork–I have listed some of the top legal areas where small businesses are often vulnerable. You can start the diagnostic process yourself with my legal audit checklist, ““Is Your Business Legally Healthy?”

Once you’re through, you’ll know (as I did) where you may need to go - incorporate healthier (legal) habits into your business, so that you’re in good shape by year-end.

Try us on for size and cost!  Sign up your business today!  It doesn’t matter whether you have a small or a bigger business!  I have a place for you in our  Legal Plan.  We will assign you with the best Attorney’s in your town or state to care for your business needs.   It will be the best investment you make all year long.  Call Teresa today or email me.  Visit my website www.teresaslegalplan.net    Make 2011 the best year yet.

Let’s say you have remarried, and have another family.  We can even offer you coverage to take care of your present new family, and a extended family plan to take care of your older family.

We have the best and most flexible plans that  are available to you and all families.

We can offer you top of the line quality service, and all our plans are affordable.

Attornies outside our plan, want a retainer fee of $500- $1,000 to start, in other places much higher rates.

Not with Prepaid Legal Services,  you pay low monthly plan fees, and you get the best of the attornies in the nation to take care of your legal needs.

I can help you.  Please call my office today.   Don’t do this by yourself, and don’t feel like you cannot afford it.  Because you can afford it with Prepaid Legal.

Teresa Ferenz, Prepaid Legal  Services, Inc. Associate

240-420-3625

teresaslegalplan@yahoo.com

www.teresaslegalplan.net

With my company, Prepaid Legal Services we offer companies our Business Plan, that plan can help your employees have comprehensive legal services.

We can service all businesses  from the home based ones to corporate.    Give me a call today, and let’s talk more about helping you with your business.

Our legal plans are so affordable,  and we provide  your company with the top of the line Attorney’s.

My company (NYSE listed) is looking for a few people who would like to earn extra income by working 4 to 8 hours per week.  If you, or someone you know, are interested in making extra income,  please refer them to me, or you call  or email me for more information.

Teresa Ferenz, Ind. Associate for Prepaid Legal Services, Inc

240-420-3625

teresaslegalplan@yahoo.com

www.teresaslegalplan.net

Joining PrePaid Legal Services as a customer is good.  But, becoming an independent Associate for them is even better.  Because, then you can offer our services to many people and be able to help many more.  As a customer you can tell others how you were treated, and you have a testimony as to how they handled your need or situation.

But, as an Associate- you have the option to do more.  To bring more awareness to the public about this wonderful business.  Help me get the word out, that you do not have to be rich to have an attorney in your corner.

With Pre Paid Legal Services, Inc.  they have opened up the opportunity to me, and  to you.  We can service people on a personal level with an (Individual or a family plan), professional level ( individual) and a company ( several plans) .

We are licensed in most of the 50 states of the U.S.  We are here to help you get started in our business.  We are here…. for you…to give you legal advice, legal support.

We have on plan, one monthly rate, and you are covered.   Call or email me today, and I will help you get started with our company.

Teresa Ferenz, Independent Prepaid Legal Services Associate