Pre-Paid Legal Services, Inc.

concerned · #51 11-29-2005, 03:42 PM

Just type in Pre-Paid Legal Service scam on the internet and read the results. Lots of people have been "taken" by this scam.

thebrowncow · #52 12-01-2005, 07:22 AM

Quote:

Originally Posted by concerned

Just type in Pre-Paid Legal Service scam on the internet and read the results. Lots of people have been "taken" by this scam.

Be sure to type in Blue Cross-Blue Shield scam on Google also. My point is that most Americans want something for nothing and are never satisfied with what they have. The Pre-Paid Legal plan works just as it is suppose to work, but most people do not bother to read the exclusions of a policy they purchase...they just assume they will get everything covered under the sun. This goes for health, auto, life and legal insurance. But, to be fair PPL is NOT insurance...it is assurance (membership/coop).

Don't believe the hype. People whine and ***** about anything that doeswn't suit their needs. Your suggestion to search PPL scams holds no *****.

ScamWise · #53 12-01-2005, 10:59 AM

I have a friend who tried to sell me on PPL. The video presentation turned me off as soon as I saw one of the 'successful' PPL reps driving in a fancy car in front of a really nice, and expensive, house. Pure hype and an obvious appeal to simple-minded greed. Furthermore, figures are thrown at you without ANY quantitative source for support. I would have gone further to find out if the info. was sound, however, a Google search saved me this extra effort. As I read about PPL from others who were/are involved, and those who did a more extensive investigation than myself, I decided to trust that queasy feeling at the bottom of my stomach and the little voice which told me to run and not walk from this 'opportunity'. MLM/network businesses are in FACT a poor business model as one business professor points out: http://www.cbc.ca/consumers/market/f...y/prepaidlegal
My friend told me that NOTHING would discourage him from succeeding at PPL- not even what I discovered regarding his 'golden' opportunity. Scary. He retorted with "I'll laugh at you a year from now when I'm cruising several times a year, etc." As a friend I worry about him and his ill-thought-out choice of 'investment'. Many MLMs appeal to people like this- those who do NO due diligence of their own. I've done all I can to convince him but I fear he's taken the 'wide road' to financial ruin.

Soapboxmom · #54 12-01-2005, 08:03 PM

Here is just one of many articles to give one pause(Remember Browncow I never have an original thought! You left a $70,000 a year job for this???).

http://www.okcbusiness.com/news/news...sp?newsid=2502

Column: Is it just a glorified pyramid scheme?

Posted: Monday, July 28, 2003

Pre-Paid Legal is in need of better reality, not better stories

By PETER S. COHAN

Pre-Paid Legal Services, a $359 million multi-level marketer of legal expense plans based in Ada, loves a good story.

Pre-Paid's founding legend is such a whopper. In 1969, company founder Harland Stonecipher was involved in a car accident. The other driver survived the crash. But, according to Stonecipher's memoir, "I faced thousands of dollars in legal costs stemming from an accident in which I was blameless."

Stonecipher's version is incomplete. Business Week Online interviewed his attorney at the time and reviewed copies of the suits. The attorney said that Stonecipher sued first for roughly $125,000. The other driver later sued Stonecipher for less. He ultimately settled for $3,000.

According to the attorney, Stonecipher's version "made a lot better story if he was sued first."

As its employees, customers, and shareholders have seen, Pre-Paid's entire operation is based on such "better stories."

Sales recruitment

Pre-Paid's operation depends on recruitment of new "associates" who sell Pre-Paid policies and recruit other associates.

Pre-Paid's associate recruitment relies on telling better stories. At Pre-Paid sales conventions, thousands of associates and recruits listen to passionate speeches. The parking lots are full of Humvees, Mercedes, and Maseratis.

Len ********, a multilevel marketing expert, offers an eyewitness account of 2000's Pre-Paid recruitment meeting. According to TheStreet.com, ******** listened to Tommy Vu, the 1980s infomercial star widely sued by disgruntled students of his $15,000 real-estate sales "boot camp."

"Tom Vu takes out a five-dollar bill and wraps it around the microphone stand," recalled ********, "Then he asks the audience, �If I said you could take this $5 for $1 of your own, what would you say?'

But Pre-Paid's recruitment conventions exclude story-damaging details. According to Robert FitzPatrick, president of Pyramid Scheme Alert, these include:

The average Pre-Paid associate takes home under $3 weekly;

Many of Pre-Paid's 341,000 associates never recoup the $249 they pay to access the Pre-Paid "opportunity;"

Half its associates leave and half its customers terminate their policies annually; and

Pre-Paid prepays a year of sales commissions but forces associates to pay them back with interest if they don't meet their sales targets.

Stonecipher declined to comment on the number of levels in Pre-Paid's marketing structure, each level's number of people, its turnover, its average associates' earnings, or the percentage of associates who earn over $30,000. Such details might not make a good story.

Customer closing

Pre-Paid also omits pesky facts from its customer sales pitches. According to an Alabama lawsuit, associates are instructed to tell prospective customers that Pre-Paid's coverage offers unlimited legal access and coverage. In an issue of Pre-Paid's in-house magazine, Connection, David Savula, a leading Pre-Paid associate recruiter, wrote: "Does our product cover everything? Yes. So if somebody asks does it cover this or does it cover that, we're going to say, �Yes.'"

Contrary to Savula's claim, Pre-Paid's written policies limit coverage. Cases involving bankruptcy, alcohol, drugs, preexisting conditions, divorce, annulment, child custody, and many others are covered in a limited way.

Will-writing and contract reviews are among the few services covered for free by the Pre-Paid policies.

Its Alabama attorney defends the gap between associate's words and Pre-Paid's contracts by noting that it cannot be held responsible for the verbal assurances of its non-employee associates.

Stonecipher did not describe the policies as offering unlimited coverage. He pointed out that there are different levels of policies and that they cover different services.

Shareholder scams

The Securities and Exchange Commission (SEC) has twice forced Pre-Paid to restate its financials. In 1994, Pre-Paid wanted to do a public stock offering, however the SEC said no unless Pre-Paid expensed its customer acquisition costs instead of amortizing them. Pre-Paid fought the change but ultimately capitulated - devastating its balance sheet. Stockholders' equity fell 90% to $2.4 million; assets declined 69% to $11.1 million; and 1993 net income of $306,000 became a net loss of $613,000.

In 2001, the SEC again forced Pre-Paid to restate its results. Pre-Paid went from treating sales agents' commissions as an asset which it amortized, to expensing them immediately. Pre-Paid slashed its 2000 per-share earnings 42% to 81 cents and its 1999 results 66% to 57 cents.

Stonecipher said that Pre-Paid should treat the commissions as an asset the way life insurance companies do, however, the SEC did not agree.

Pre-Paid's disclosure of and protection against lawsuits are flimsy. Its recent quarterly report details numerous lawsuits filed against Pre-Paid. Stonecipher declined to estimate the suits' total damages. But Pre-Paid's SEC filing estimates that just two assess $415 million in damages. Yet Pre-Paid has reserved a mere $3.3 million against all these lawsuits.

Many believe Pre-Paid's stock is due to fall. Pre-Paid's short interest is higher than all but three NYSE stocks. With 8 million Pre-Paid shares sold short and a 186,000 share average daily trading volume, it would take 44 days to cover this short position.

But Pre-Paid is in a Mexican standoff with these short sellers. According to a hedge fund manager with a large Pre-Paid short position, "either you're a cult believer in Pre-Paid - because much of the stock is held by people who are associated with the company - or you're short. And there's very little in between. The sales associates are only buying - never selling - and the company has its big buyback program [Pre-Paid has spent $145 million since April 1999 buying 6.5 million shares]. Meanwhile, the shorts can't short the stock anymore. So the stock's just going to sit there until there's a major event."

Stonecipher's comment on why the short interest in Pre-Paid is so high: "Ask the shorts."

In 2002, Pre-Paid took on a $30 million credit line to finance a $30 million headquarters edifice and to buy back more stock. To avoid default, Pre-Paid must retain over 50% of its customers with policies in force for under a year. In 2002, that rate was a meager 51.8%. Pre-Paid must keep the ratio of Total Liabilities to Tangible Net Worth below 375 percent. But Pre-Paid's stock repurchase program lowered its net worth, so its bank loosened the ratio from the original 250 percent to avoid a default.

Stonecipher did not comment on the loosening of this covenant but claimed that Pre-Paid is in no danger of violating any of them and that the bank with which it has the credit line had visited Pre-Paid recently to lend it more money.

My conclusion: Pre-Paid needs to dump its "better stories" and deliver a better reality.

Peter S. Cohan is president of Peter S. Cohan & Associates (www.petercohan.com), a management consulting and venture capital firm. He's the author of seven books, including the forthcoming Value Leadership: The 7 Principles That Drive Corporate Value in Any Economy (Jossey-Bass, A Wiley Imprint, September 2003).

Gee, won't everyone be chafing at the bit to join this one!!!!!

Soapboxmom

Wizywyg · #55 12-02-2005, 03:49 AM

as with everyting. you must work to see the type of money you could earn.
I happily make an additional $400=$500 a month extra to my full time job, and that is only selling hte plans. I dont recruit anymore, because I dont really need to.

Dont put in the time? You wont reap the benefits.

#56 02-03-2006, 03:59 PM

Quote:

Originally Posted by Ravensmedicine

I have been getting Pre Paid Legal emails in my SPAM/ bulk inbox for a couple months now. Because I get approximately 200 Spam mails each day I dismissed PPL as just another scam. I did open one mail and skimmed it, then deleted my entire bulk folder.

I do believe some home businesses work. I used to work in painting & construction, and many of the homes I worked in during the 90s were owned by people who made a good living out of a little home office. Either that or they worked regular jobs and supplemented their income with a HB.

I've just been ripped off by too many mail order scams and now email scams since 1990 that I am extremely leery of all of it. That's how I found this forum, because I was researching a company to see if had any scam reports on it. I am still searching for an opportunity though.

Here is my particular dilemma. I am married and have a child due in December. Our income is about $50 per week. That's it. In the past I have worked a lot of labor jobs, long hours, and had many on the job hazards, including working with dangerous equipment and chemicals. I have been affected by chemicals or poisoning on 4 occasions and collected on 3 of them. I have suffered several bang up injuries that don't quite reach the level of getting workers comp or medical leave, but nonetheless cause pain if I have to stand or do certain repetitive motions for more than a few hours. Because some of this was respiratory, coupled with allergies, and pneumonia in 2000 I have been unable to work any job where it is hot and stuffy, such as factory work. But none of this reaches the necessary level of medical problem where I could collect any permanent disability. Whenever I've collected it's been temporary - a few months to a little over a year max.

Needless to say my work history is crap and I have no decent resume, though I've worked many jobs and in a variety of fields, am a high school graduate with 2 years college plus vocational training. Most employers would view me as a "whistle blower" or someone who doesn't remain at any job for very long. Yet almost every job I've had I have been viewed as a good worker, punctual, always there, and even placed in supervisor possitions - until some nonsense happens and I get sick or injured, or I decide to report an obvious workers hazard that will lead to injury if not stopped. I played a major role in putting 2 companies out of business in the early 90s because I was honest in OSHA investigations.

Now that said (Sorry if a lot of this goes off topic), how does one like me get involved in any home business when they cannot afford the start up fees, and cannot get even a low wage part time job to earn enough to have the start up fee? It IS the start up fee that keeps me from proceding with many HBs, including Pre Paid Legal, which I might have considered. These are even more serious considerations now because we have a child on the way.

I know how you feel.I maybe able to help.You can email me at belinda_condell73@hotmail.com.I would like us to put our heads together.I'm sure I could help you.

#57 02-03-2006, 08:56 PM

Quote:

Originally Posted by Ravensmedicine

That would be nice. I will call, but not tonight. It's 1:00 am and everyone else is sleeping. (My wife & I are staying with 2 other people who work).
I am also partly signed on with Melaleuca (also discussed on this forum) but am having a problem with their required monthly purchases so am trying to see if I could get a few customers, which I have yet to succede in doing...

One thing you must realize.We all are customers regardless of the business end of it.Other then the refundable fee of $29.00,you aren't spending any new money.You are simply just switchig stores instead of shopping at Walmart,Target,or somewhere like that.Why would you endorse something you don't use or believe in yourself?That would be dishonest,unethical,and a scam.The monthly 35 point requirement isn't anything.If you get just what you need month to month,I bet you go well over 35 points.Most average 50 points a month,My family of only 3 does 90 points a month at least,sometmes more.We do it cause we NEED what we buy,not because we have to.I find it hard to believe anyone can't make the 35 points a month on pursches.They came up with a 35 point order based on an average single male household!You don't stuck up.You just buy month to month.ONe room in yur house along ,whether it be the bathroom,kitchen,or laundry room alone makes 35 points.If you take viatmons,which we all should be,and you get the adaily for life pack,thats 35 to 42 pioints alone monthly.There is even a wellness guide from www.rmbarry.com that shows you different recipes,and how to get more sues out of your products.So you see 35 or even 50 points alone isn't a problem.Just don't shop else where for anything you can get with Melaleuca.Besides,why would you want to use harmful products at the store if the whole reason for switching was to make yourself and your home safer place.You would only be cheating yourself financially too by shopping at another store when Melaleuca saves you time and money cost per use.When was the last time Walmart or any other store let you even return products opened or empty bottle up to 60 days,and get your money back?Does Walmart or any other business like a dinner or movie theater give you a thank you check simply for refering others to them?I don't know about you,but I haven't found any store or place where I am that does that.Think about it.This all just makes perfect sense to me.I hoped I helped you a bit.If you have any questions or need training from me with Melaleuca,then just email me.I'll give you my number in an email if you want.Thanks. belinda_condell73@hotmail.com

Soapboxmom · #58 02-03-2006, 10:25 PM

Folks, before you let Belinda sign you up please read the Melaleuca thread. If the vitamins are 35 points a month for one person that's about $45. I have posted the actual earnings and at $4 month or a few dollars more per customer per month in commissions you will need hundreds in your downline to make any money. 54% make $104 per year, 15% make $222 a year and 10% make $485 per year, so 80% total can't cover their purchases. Pre-paid legal boasts the same type of dismal earnings. Please check things out folks before you get signed-up by a poster on these forums.

Soapboxmom

Nessloch · #59 02-04-2006, 04:06 AM

For anyone who has read this entire thread, only one thing is obvious:

If the people defending the opportunity are obviously spending a half hour to an hour per post, and then eventually break down and start calling people "morons" no matter what they've been called - - they obviously have their lower body entrenched in the quick sand and are sinking fast. Which means, the service is probably a scam. I haven't tried it, but c'mon, do you really need to??

...

I have compiled a list of work at home jobs/strategies, if anybody is interested. It includes the ones I'm involved with and how much you can make if you put in the initial work - - and also some to avoid. Anybody can PM me or send me an email at osmosis520@yahoo.com or nessmosis@hotmail.com

TrueDiva · #60 02-08-2006, 05:21 AM

Okay after reading this thread I do have a few things to say. Like others who have posted, I am an independent associate with this company. Now, I'm not here to get into a name calling match nor am I here to defend the company. I am posting my own opinions and I know there are going to be some out there who naturally aren't going to like it. When I was 17 I was involved with Tupperware. After that experience I swore I would never ever do anything that dealt with sales again. Last September I did get envolved with PPL, a local police officer where I live got into it and talked to me about it. There has been no turning back for me and I can honestly say I love my job.

Now, before anyone jumps on me...I am also a private detective so naturally I did do my own research on the company before I signed. I did find some things that were questionable but on the other hand...the company has been around for over 30 years and with a company this size, they are always going to be involved in some sort of lawsuit. And if you look close enough most of the lawsuits are brought on by people who were at one point associates with the company. And mostly because the company did something a few associates didn't like...we go through it all the time. And I'm sure other companys go through it as well.

The biggest problem we tend to see is misrepresentation. I am a manager with the company, I also manage our local training center. I have seen many people come on board who aren't properly trained or they don't take the time to learn everything before going out into the field. It is not a get rich quick scheme and it does take some work.

And this did not take me a half an hour considering I type 80mpm. :)

brendakc · #61 02-12-2006, 08:24 AM

Quote:

Originally Posted by Soapboxmom

Folks, before you let Belinda sign you up please read the Melaleuca thread. If the vitamins are 35 points a month for one person that's about $45. I have posted the actual earnings and at $4 month or a few dollars more per customer per month in commissions you will need hundreds in your downline to make any money. 54% make $104 per year, 15% make $222 a year and 10% make $485 per year, so 80% total can't cover their purchases. Pre-paid legal boasts the same type of dismal earnings. Please check things out folks before you get signed-up by a poster on these forums.

Soapboxmom

Actually, that would be...

Before signing up, check the Melaleuca site. Accurate stats are posted there by the company.

For anyone taking a look at Melaleuca, Pre-Paid Legal, or any of these other companies, check the companies out, talk to people with the company who are experts in the business development of their business models, and talk to people who are actually involved with the companies as customers and business builders. Once you decide on a particular company, interview the person who introduced you to it. Make sure you are joining with a proven leadership team. Get the facts!

agrieb · #62 02-13-2006, 04:48 AM

Actually Pre Paid Legal IS a scam! I have been a member and tried to sell the program and what I found was that EACH AND EVERY TIME I call the law firm (and you can only call one in each state) to ask a question or get information the response was the same they would have a attorney call me back. Ok fine but when the "attorney" called back no matter how trivial the question or what information I needed the response was to offer to refer me to a local attorney at a reduced legal rate! Not ONCE in over 20 calls for legal advice did I ever receive any advice!

Now I have worked for a law firm and so my questions were direct and were not anything that required me to have a local lawyer but noooo they were all about REFERRALS!

Oh and I contacted headquarters in Arkansas and was told that basically the purpose of calling the state assigned law firm WAS to let the lawyer get a better idea what attorney in the area would be best to refer you to!

I did let them give me a referral once to see who locally they would choose and even told them not to refer me to a specific attorney who had been elected as judge and was about to take office ( I knew him personally) and wouldnt you know thats just who they referred me to!

I DO NOT RECOMMEND YOU WASTE YOUR TIME IN THIS COMPANY! Put your money in the bank for when you really need a lawyer! Lawyers often will give you a free conversation to determine if you need to hire them so save the monthly fees for a referral service and put it in the bank for a real lawyer! :mad:

agrieb · #63 02-13-2006, 05:08 AM

Quote:

Originally Posted by MrMoJoRiSiN

Actually no, you have credit protection which everyone mistakes for identity theft protection. (credit fraud is only around 25% of identity theft) So great your credit is protected, but what are you doing about your identity? Ask your HO5 homeowners what will happen when your identity is stolen? Are they going to do all the leg work and 100% restore it for you? No, they will give you a packet and a few numbers to call and say- "good-luck". And you still have to hire an attorney. Also, the PPL service doesn't cover just the member, it covers the member's entire family.

Does your "identity protection" send you and your spouse's credit report and credit score to you every 6 months? Do they contact you every time there is any kind of activity reported to your credit report? Or even if there is no activity for a month at a time? And again, will they restore your identity? And not just your credit? That alone is worth hundreds considering (according to the FTC) it takes the average I.D. theft victim over $2000-$7000, 600+ hrs of attorney's fees, and 3-5 yrs to restore their identity. And that is if you are lucky and the thief doesn't get to far with your personal info. If you are a business owner, you'd better learn about the new "FACTA" law that makes you liable for the theft of your employees and customer's identity. The only way to reduce the liability is to offer an I.D. theft protection plan to your employees. Which having businesses offer it as an employee benefit is another great way to make a very good living with PPL (just one of quite a few ways).

Also you ask-"when would you use the PPL service"? Well, I'll give you a quick example of situations that you would use the PPL service for (besides what is mentioned above)- Have you ever needed telephone consultations, letters written and phone calls made on your behalf, legal documents reviewed, will preparation and annual updates? How about motor vehicle services like- assistance with moving traffic violations, certain motor vehicle criminal charges, driver's license assistance, personal injury/property damage collection assistance? How about trial defense?-They cover up to 300hrs. Have you ever needed IRS audit legal services? If none of that has ever happened to you, then you are very lucky. And I hope it don't happen to you, but that is not reality. Any other legal issues that I didn't mention above is covered under a 25% member discount, I mean they can't do everything for $25 a month! You may say- big deal 25% off, but think about for example health insurance; when something isn't covered (like a root canal, dental, etc) it just isn't covered and you have to pay full price for it (after all you pay a week for the coverage!)- but is that a scam? How about car insurance- you pay hundreds a month for it, but yet you get into an accident and you have to pay another $500-$1000 "deductible" to have your car repaired- is that a scam? And say that your HO5 will assist you if you are sued? Wow, big deal. That is just a small part of what a PPL plan does for you.

Just last month I saved $650 off of an $800 phone bill, because my PPL provider attorney wrote a letter to MCI for me and that was after I had called MCI myself several times with no luck at all. Just last week the I.D. theft protection service e-mailed me to let me know that one of my credit card companies reported to experian that my card was over the limit, just to make sure that it was me who made the charges. Yesterday the same thing happened to my wife and last month they e-mailed her just to say that there hasn't been any activity at all in over 30 days.

All of that for $35 a month! It is well worth it and worth much, much more. No, having a PPL plan isn't like having a "get out of jail free card", nor does it mean that you can go commit all types of crimes and get away with it. That sounds stupid, but I have seen so many complaints from people who claim that PPL is a "scam" because they wouldn't get them out of jail or defend them for a felony charge. It also amazes me what people expect for $35 a month, I mean they want thousands of dollars worth of legal services for barely nothing. And then you have the people who become an associate, sit back, do nothing, expect to make thousands of $$ with out any effort of their own and when they fail at the business they go whine and cry and claim that PPL is a "scam". It takes work and persistence just like any business, just like any one who wants to be successful.

Ok I was a Director in PPL and NEVER sold a thing! It was all set up by the guy who convinced me to spend the $249 to sign up and then pay the mandatory $30+ per month for membership including the so called credit protection plan. By the way I NEVER got anything from the credit protection plan no copy of my credit report or scores or anything in the over a year I paid for it!

PPL is being over marketed in the area now to the point that nobody is interested in buying as the truth has been leaking out and the reality that its not what it claims to be. I had a ticket for an accident that was not my fault and PPL attorneys told me I had to go to court and handle it because they dont do that not even write a letter for me! I had called them about a ticket my daughter got (being told they often will intercede to reduce the points) and was told no they dont do that but they will gladly refer me to a local attorney who handles tickets and will give me a reduced fee for being a PPL member.

You have to physically go out and sell to the public just like if you were selling a vacuum cleaner and some of the places we were referred to go to were funeral homes (get people signing up for prepaid funeral services to join to have a will made), businesses (to get them to sell it to their employees for a cut themselves) and door to door!

You are ver restricted in advertising because they are scared they will get into trouble from ads (hmmmmm I thought interesting) and they want you in addition to being a member and paying the In Michigan $25 plus the credit protection monthly fees additional fees for internet access to your account to track your accounts.

Now you wont make a lot of money selling these plans, its based on you recruiting others who recruit others and so on and so on to sell under you and you get a cut of all their business and repeat business you also get cuts of.

Now if that sounds like your type of business go for it - I for one ran away as fast as my fingers could dial the phone to cancel my membership and sales accounts!

Wizywyg · #64 02-13-2006, 09:04 PM

Quote:

Originally Posted by agrieb

By the way I NEVER got anything from the credit protection plan no copy of my credit report or scores or anything in the over a year I paid for it!

why would you? its a credit monitoring program. They will notify you within 24 hours if something suspicious appears on yoru credit report (in reality, it would take you longer to see if something wrong happened to your credit history). Who said they would provide you with a credit report and your scores? you can do that on your own.

Quote:

PPL is being over marketed in the area now to the point that nobody is interested in buying as the truth has been leaking out and the reality that its not what it claims to be.

Dont understand as my PPL membership provides everything that the membership said it would. Including a discount on my will and living will creation.

Quote:

I had a ticket for an accident that was not my fault and PPL attorneys told me I had to go to court and handle it because they dont do that not even write a letter for me!

Depends on what your provider lawfirm actually takes on as cases. If they normally handle divorce cases, car accidents would be handled by another lawfirm (if they are on the PPL list, they would be covered under your membership) or you pay them at the discounted rate.

Quote:

I had called them about a ticket my daughter got (being told they often will intercede to reduce the points) and was told no they dont do that but they will gladly refer me to a local attorney who handles tickets and will give me a reduced fee for being a PPL member.

Yeah, that was what is explained in the membership manuals and booklets. I dont understand how you did not know this.

Quote:

You have to physically go out and sell to the public just like if you were selling a vacuum cleaner and some of the places we were referred to go to were funeral homes (get people signing up for prepaid funeral services to join to have a will made), businesses (to get them to sell it to their employees for a cut themselves) and door to door!

You think that you just sit on your butt and expect people to come to you?

Quote:

You are ver restricted in advertising because they are scared they will get into trouble from ads (hmmmmm I thought interesting) and they want you in addition to being a member and paying the In Michigan $25 plus the credit protection monthly fees additional fees for internet access to your account to track your accounts.

funny, I never really had to say anything to anyone I sold memberships to. All I did was show/give them the informaitonal dvd's for both the ppl membership and the identity theft shield. All the words out of my mouth were "are you interested?". The dvd's pretty much explained everything for me, and if they had questions, all I did was read with them what was available in the paperwork.

Quote:

Now you wont make a lot of money selling these plans, its based on you recruiting others who recruit others and so on and so on to sell under you and you get a cut of all their business and repeat business you also get cuts of.

I make enough money just selling the plans. About $500 extra a month (which is all i needed) on my own. I have recruited only three people; 2 of which dont even sell plans, just interested in the information ahd the membership. You dont need to recruit if you dont want (there are MANY members out there that dont recruit at all, and just sell plans - and they are doing fine- many just to cover "extraneous" expenses like rent, car payments, etc)

Quote:

Now if that sounds like your type of business go for it - I for one ran away as fast as my fingers could dial the phone to cancel my membership and sales accounts!

As they say, many home businesses are not right for everyone. This was one that wasn't right for you.

midnight_raven · #65 10-31-2006, 11:57 PM

I keep reading and reading about PPL and the company may have been around for 32 years and by on the New York Stock Exchange but overall...
PPL needs to take stock and address some issues with representatives that they have working for them.
I thought about becoming a representative myself. It sounded like a good idea, I started things up and then .................................................. ............................................
.................................................. .................................................. .
NOTHING!
I had all this paperwork and sites to contend with and NO HELP!
I was expected to do everything BY MYSELF. No advice, no help and
no guidance. I had a deadline in 3 days to have recruited at least 5 people. When I did ask for help from my rep, all she did was tell me that i was lazy (among other things), showed me her bank account statements and degrade me. I DONT HAVE TO DEAL WITH ANY OF THAT CRAP!

PPL still sends me emails that I Dont want and I dont want anything to do with them any longer.

To be treated the way I was, Is a disgrace on the Pre-Paid Legal Company.
I served my country and have dealt with worse. No One...NO ONE!!
Deserves to be treated the way that I was.

Unlucky36 · #66 11-01-2006, 01:07 AM

Yep Prepaid Legal is another RECRUIT RECRUIT piece of crap scam where you won't make any money!

fwelch · #67 11-01-2006, 02:49 AM

I was wonderiing if anyone know of this company DRY-TECH SYSTEMS. I received a snail mailing from them and it looked very convincing. Has anyone heard of this company or has had experience with them in any way.

fejohnsonppl · #68 12-24-2006, 06:57 PM

To all the doubters out there concerning Prepaidlegal, I have only 1 thing to tell you GET A LIFE! Just because you didn't make any money it does not mean it is not a crediable business. Tell me what business is on the New York Stock Exchange and been in business for 34 years and is debt free how can this business be a scam? Tell me since you all have the answers. I have been in the business for 5 years and have no desire to leave. Yes sometimes you have no sale months and then you will have sale months. If you don't make any money no ones fault but yours. You can't make money sitting on your butt. You have to get out there and talk to people about PPL some may not know anything about PPL like some of you. (No I don't bit my tongue when it comes to PPL) It has save me over 5,000 in debts. So if the person who signed you in the business is not there for you, then contact them and say Ha look you brought me in and I need help. I was in that same situation the person who brought me in did not help me at all then I came to the conclusion that I can do this without there help. If they still don't want to help you give me a call and I will do what I can to help you. We are all a part of the PPL family. Don't let ignorant people turn you from the business, sometimes every business is not for everyone.

jbhaskin · #69 08-20-2007, 12:16 PM

Startup cost is 49 buck man. If you don't have that you need a good opportunity.

Bryan Haskin
jbhaskin@gmail.com
704-752-8235

Daniel_Shop · #70 08-20-2007, 05:18 PM

very controversial :eek:

Talk2meYou · #71 08-22-2007, 03:49 AM

I use to be with Prepaid Legal. If someone knows they are going to need legal services and they do not have an attorney, then it is a good way to find an attorney and to get a discount. I went through a devorce and paid the regualr price. At the end, I mentioned that I was a Prepaid Legal Client and he knocked of 10% which came to about $900.00.

With or without Prepaid Legal, the trick is to find a good attorney. They are no different than any other job some people are better at their job than others.

cain01 · #72 09-16-2008, 09:04 PM

Pre-Paid Legal Services,Inc. is an origination which gives its members to access professional legal counsel it gives not only traditional legal.It gives legal counsel like how to buy a house,car and so on.It is a United States company.

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Cain.

California Dui

kmb26 · #73 09-22-2008, 09:24 AM

PPL is very much so a legitimate business. I know people that have made good money with this company. I have the service which I find to be very valuable and I used to sell the membership. I no longer do PPL. All the people that were successfull were good salesman who were comfortable with talking to perfect strangers or recruiting family. It wasn't for me.

braves1221 · #74 09-24-2008, 02:02 PM

The service is a scam.

Jason Voorhees · #75 09-24-2008, 04:03 PM

Quote:

Originally Posted by braves1221

The service is a scam.

The service sucks and the opportunity sucks..The only way to make $$ is to build a huge downline. Not a fun way to make a living