• Report: #185964

Complaint Review: Pre-Paid Legal Services

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  • Submitted: Mon, April 10, 2006
  • Updated: Fri, January 22, 2010

  • Reported By:McAlpin Florida
Pre-Paid Legal Services
One Pre Paid Way, Ada Oklahoma Ada, Oklahoma U.S.A.
  • Phone: 800-654 7757
  • Web:
  • Category: Lawyers

Pre-Paid Legal Services LIED TO ME TO GET ME TO JOIN, then refused to honor what they promised ripoff Ada Oklahoma

*UPDATE Employee: Pre-existing are covered_

*UPDATE Employee: Just like any insurance PRE existing!

*UPDATE Employee: Just to make a point of why PPL is not a scam

*UPDATE Employee: Just to make a point of why PPL is not a scam

*UPDATE Employee: Just to make a point of why PPL is not a scam

*UPDATE Employee: Just to make a point of why PPL is not a scam

*Consumer Comment: Consumer was confused - PPL not a scam

*Consumer Comment: Solutions untried

*Consumer Comment: Solutions untried

*Consumer Comment: Solutions untried

*Consumer Suggestion: 25% Discount

*Consumer Suggestion: I am sorry the PrePaid Legal Associate did not educate you.

*Consumer Comment: PRE-PAID GIVES THE BEST TRAINING TO ASSOCIATES BUT SOME WILL SOME WON'T

*Consumer Comment: PRE-PAID GIVES THE BEST TRAINING TO ASSOCIATES BUT SOME WILL SOME WON'T

*Consumer Comment: PRE-PAID GIVES THE BEST TRAINING TO ASSOCIATES BUT SOME WILL SOME WON'T

*Consumer Comment: PRE-PAID GIVES THE BEST TRAINING TO ASSOCIATES BUT SOME WILL SOME WON'T

*Consumer Comment: This is not an advertising forum!

*UPDATE Employee: Pre-Paid Legal Ethics

*UPDATE Employee: Your Associate did not go with company policy...

*Consumer Comment: Residual Income & Benefits

*UPDATE Employee: Some explanation

*UPDATE Employee: PPL IS A NOT A SCAM AT ALL

*UPDATE EX-employee responds: Associates Are Lieing Fools

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I was attempting to find some affordable legal assistance, when I came across Pre Paid Legal. I was contacted by telephone and a person by the name of Suzanne Padgett associate # 113422323, assured me of assistance.

After joining and getting the membership packet I was directed to a law firm by the name of "deBeaubien,Knight,Simmons, Mantzarius & Neal" Located at 332 N. Magnolia Ave , orlando Florida.
When I contacted them they were rather rude and informed me that as I had a pre existing case it was excluded, after I was assured by Suzanne Padgett that I would get assistance.

I contacted them to cancell my membership, and was told it would take 60 days to get a refund. (it took two nano seconds for them to charge my card)
They then gave me a membership number with Identiytheft shield, which I did not ask for. I sent them cancellation faxes for both on 3/28/06 It is 4/11/06 and I have no further word from them,

Carl
McAlpin, Florida
U.S.A.

This report was posted on Ripoff Report on 04/10/2006 08:51 PM and is a permanent record located here: http://www.ripoffreport.com/r/Pre-Paid-Legal-Services/Ada-Oklahoma-74821/Pre-Paid-Legal-Services-LIED-TO-ME-TO-GET-ME-TO-JOIN-then-refused-to-honor-what-they-prom-185964. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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0Author 23Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

Pre-existing are covered_

AUTHOR: Sirslappy - (U.S.A.)

You can have documents reviewed on pre-existing, advice, and etc. You're problem was the associate didn't properly let you know that pre-paid legal has a customer service number and if for any reason the attorneys didn't uphold their end of the deal then to contact customer service. You can always get referr'd over to another attorney. If you have medical insurance and when you went to a doctor and the doctor messed up. Would you blame your medical insurance or the doctor? You just needed to contact customer service so they could file a report and help you out.
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#2 UPDATE Employee

Just like any insurance PRE existing!

AUTHOR: Opinionorfact - (U.S.A.)

I feel your pain, I understand, that you feel jilted. However, preexisting conditions, prior to you signing up with Prepaid Legal, are not covered. I am a Manager Associate with Prepaid Legal. The problem with people who are not satisfied, they are the ones that procrastinate, and wait until they have a problem to sign up for the Legal Service Plans.  The plans are excellent and the value is outstanding. I have used my plan so many times I can not count them all. The fact is at least it is a type of insurance that you can use while your still alive and it even covers your entire family. If you would have had the coverage before then your problem started then you would have been covered. Sorry I guess the communication was not clear to you. Good Luck!
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#3 UPDATE Employee

Just to make a point of why PPL is not a scam

AUTHOR: Ted - (U.S.A.)

Just to make a simple point of why Pre-Paid Legal Services, Inc is not a scam.

Kroll: the company that investigated and brought down Enron, the company that investigated Saddam Hussein's assets in Kuwait, the company used by the FBI, is a direct partner with Pre-Paid Legal.

So if PPL was a scam...would we be partners with Kroll? Let alone have endorsements by attorney generals? Considering we are dealing with law, if it were a scam, it would not be very hard or take very long to shut down PPL, hence why we have been around for 37 years.
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#4 UPDATE Employee

Just to make a point of why PPL is not a scam

AUTHOR: Ted - (U.S.A.)

Just to make a simple point of why Pre-Paid Legal Services, Inc is not a scam.

Kroll: the company that investigated and brought down Enron, the company that investigated Saddam Hussein's assets in Kuwait, the company used by the FBI, is a direct partner with Pre-Paid Legal.

So if PPL was a scam...would we be partners with Kroll? Let alone have endorsements by attorney generals? Considering we are dealing with law, if it were a scam, it would not be very hard or take very long to shut down PPL, hence why we have been around for 37 years.
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#5 UPDATE Employee

Just to make a point of why PPL is not a scam

AUTHOR: Ted - (U.S.A.)

Just to make a simple point of why Pre-Paid Legal Services, Inc is not a scam.

Kroll: the company that investigated and brought down Enron, the company that investigated Saddam Hussein's assets in Kuwait, the company used by the FBI, is a direct partner with Pre-Paid Legal.

So if PPL was a scam...would we be partners with Kroll? Let alone have endorsements by attorney generals? Considering we are dealing with law, if it were a scam, it would not be very hard or take very long to shut down PPL, hence why we have been around for 37 years.
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#6 UPDATE Employee

Just to make a point of why PPL is not a scam

AUTHOR: Ted - (U.S.A.)

Just to make a simple point of why Pre-Paid Legal Services, Inc is not a scam.

Kroll: the company that investigated and brought down Enron, the company that investigated Saddam Hussein's assets in Kuwait, the company used by the FBI, is a direct partner with Pre-Paid Legal.

So if PPL was a scam...would we be partners with Kroll? Let alone have endorsements by attorney generals? Considering we are dealing with law, if it were a scam, it would not be very hard or take very long to shut down PPL, hence why we have been around for 37 years.
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#7 Consumer Comment

Consumer was confused - PPL not a scam

AUTHOR: Rev. Dr. Gregory Lowrey - (U.S.A.)

It's sad that this consumer did not understand the policies of PPL.

Pre-existing legal problems are covered by the plan at a 25% discount based on the provider firms regular rates.

There is ample explanation in the basic PPL presentation and in the new member kit to ensure new members understand what is and what is not covered under the plan they purchased.

I don't see how he could have been lied to as the presentation is "canned" and to the point - and the application is a one page straightforward agreement.

PPL makes the sales presentation simple on purpose and anyone who wonders about it should check out the 9 minute presentation at the end of this rebuttal.

PPL gives much more that the membership price would suggest and it is a great bonus that they will cover pre-existing issues at a discount.

Some pre-existing issues are covered under the monthly premium.

Most insurance companies will not even consider covering pre-existing conditions.

The member should have read his very slim and straightforward membership guide.

It seems to me that this consumer simply did not pay attention to what he was purchasing and should have been more attentive.

PPL is a great company with a great history.

They are NYSE traded which means that anyone who wants to can easily find out anything about this company.

They have nothing to hide.

PPL is also endorsed by many present and past State Attorney Generals.

See http://www.pplmovie.com as an example.

Or even better, to see the whole insurance and marketing plan in 9 minutes, go to http://www.blast-off.info

PPL is great. Every family in America needs a membership.

Rev. Lowrey (Very satisfied PPL Member)
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#8 Consumer Comment

Solutions untried

AUTHOR: Will - (U.S.A.)

I am currently an associate, I have been independently representing this company for 3 years now. I have had good and bad advice from my provider attorney's, but you need to use common sense, sometimes you are going to get advice you don't want to hear, I have gotten that alot, but they are hired to protect you from going out and hiring an attorney who will lie to you, and bilk you of thousands of dollars. Telling you that you have a case when in reality, you don't, this could cost you vast amounts of cash you don't have, and you'd be on the hook to pay it.

I don't know what the associate told you about coverage, but they may have tried to tell you about the 25% preferred membership discount. That means, simply that with pre-existing events you will have to pay attorney's fees, but with a discount of 25%. You also need to take into consideration there are time limits to filing lawsuits and there are many other variables state to state.

We have had associates that will promise the moon, to get a sale, you should document this and call the home office and report this, this associate should be made to understand that there is a problem with her promises. This company tries to stay on top of events like what has happened to you, because it can cost them their standing on the NYSE.

Many associates have lost their associateships promising full coverage on all events, past, present and future, and this simply is not the case. There are many things these attorneys cannot do, but you have a better chance with these men and women than taking your chances by putting your finger down in a phonebook.

If the attorney's were rude and unhelpful, did you call customer care? Did you tell the home office what happened? They could have straightened them out for you. I have heard recently that some attorneys have had to make personal phone calls to clients to apologize for their behaviour. Within the last year, this company has begun a campaign to send provider attorneys to learn how to be more compassionate, and to better help their clients.

I don't know if this helps in any way, I hope that it does. All that to say, there are no super attorneys that win every case brought to them. Sorry you had a bad experience. Hope everything turns in your favour. I would suggest giving them another chance, and if they get rude with you? Call corporate and tell them, if you don't think they are providing the service you think they should be, tell corporate. Some of these Firms are being payed 10's of thousands of dollars per month or more, depending on which state and how many are covered there. They snap to attention, if they believe they are about to lose their biggest client, and that is you/pre-paid legal. You and this company are one, you're the attorney's boss. It's your money funding their firm.

But, like anything there are no guarantees. Some will have a good experience while others will have bad ones. Good luck.
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#9 Consumer Comment

Solutions untried

AUTHOR: Will - (U.S.A.)

I am currently an associate, I have been independently representing this company for 3 years now. I have had good and bad advice from my provider attorney's, but you need to use common sense, sometimes you are going to get advice you don't want to hear, I have gotten that alot, but they are hired to protect you from going out and hiring an attorney who will lie to you, and bilk you of thousands of dollars. Telling you that you have a case when in reality, you don't, this could cost you vast amounts of cash you don't have, and you'd be on the hook to pay it.

I don't know what the associate told you about coverage, but they may have tried to tell you about the 25% preferred membership discount. That means, simply that with pre-existing events you will have to pay attorney's fees, but with a discount of 25%. You also need to take into consideration there are time limits to filing lawsuits and there are many other variables state to state.

We have had associates that will promise the moon, to get a sale, you should document this and call the home office and report this, this associate should be made to understand that there is a problem with her promises. This company tries to stay on top of events like what has happened to you, because it can cost them their standing on the NYSE.

Many associates have lost their associateships promising full coverage on all events, past, present and future, and this simply is not the case. There are many things these attorneys cannot do, but you have a better chance with these men and women than taking your chances by putting your finger down in a phonebook.

If the attorney's were rude and unhelpful, did you call customer care? Did you tell the home office what happened? They could have straightened them out for you. I have heard recently that some attorneys have had to make personal phone calls to clients to apologize for their behaviour. Within the last year, this company has begun a campaign to send provider attorneys to learn how to be more compassionate, and to better help their clients.

I don't know if this helps in any way, I hope that it does. All that to say, there are no super attorneys that win every case brought to them. Sorry you had a bad experience. Hope everything turns in your favour. I would suggest giving them another chance, and if they get rude with you? Call corporate and tell them, if you don't think they are providing the service you think they should be, tell corporate. Some of these Firms are being payed 10's of thousands of dollars per month or more, depending on which state and how many are covered there. They snap to attention, if they believe they are about to lose their biggest client, and that is you/pre-paid legal. You and this company are one, you're the attorney's boss. It's your money funding their firm.

But, like anything there are no guarantees. Some will have a good experience while others will have bad ones. Good luck.
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#10 Consumer Comment

Solutions untried

AUTHOR: Will - (U.S.A.)

I am currently an associate, I have been independently representing this company for 3 years now. I have had good and bad advice from my provider attorney's, but you need to use common sense, sometimes you are going to get advice you don't want to hear, I have gotten that alot, but they are hired to protect you from going out and hiring an attorney who will lie to you, and bilk you of thousands of dollars. Telling you that you have a case when in reality, you don't, this could cost you vast amounts of cash you don't have, and you'd be on the hook to pay it.

I don't know what the associate told you about coverage, but they may have tried to tell you about the 25% preferred membership discount. That means, simply that with pre-existing events you will have to pay attorney's fees, but with a discount of 25%. You also need to take into consideration there are time limits to filing lawsuits and there are many other variables state to state.

We have had associates that will promise the moon, to get a sale, you should document this and call the home office and report this, this associate should be made to understand that there is a problem with her promises. This company tries to stay on top of events like what has happened to you, because it can cost them their standing on the NYSE.

Many associates have lost their associateships promising full coverage on all events, past, present and future, and this simply is not the case. There are many things these attorneys cannot do, but you have a better chance with these men and women than taking your chances by putting your finger down in a phonebook.

If the attorney's were rude and unhelpful, did you call customer care? Did you tell the home office what happened? They could have straightened them out for you. I have heard recently that some attorneys have had to make personal phone calls to clients to apologize for their behaviour. Within the last year, this company has begun a campaign to send provider attorneys to learn how to be more compassionate, and to better help their clients.

I don't know if this helps in any way, I hope that it does. All that to say, there are no super attorneys that win every case brought to them. Sorry you had a bad experience. Hope everything turns in your favour. I would suggest giving them another chance, and if they get rude with you? Call corporate and tell them, if you don't think they are providing the service you think they should be, tell corporate. Some of these Firms are being payed 10's of thousands of dollars per month or more, depending on which state and how many are covered there. They snap to attention, if they believe they are about to lose their biggest client, and that is you/pre-paid legal. You and this company are one, you're the attorney's boss. It's your money funding their firm.

But, like anything there are no guarantees. Some will have a good experience while others will have bad ones. Good luck.
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#11 Consumer Suggestion

25% Discount

AUTHOR: Sean - (U.S.A.)

You stated that you had a 25% discount off of services that were going to cost from $1500-2000. How much an hour was the atorney charging at cost? If it were to be 25% that total it would be over $1,000. So, I am thinking that you are not telling us the entire story. What was your hourly fee that you paid and how many hours was your case that you paid for. Telling us you paid $450 means to me you only used a few hours maybe 3 at the most of work. Not unless the attorney was charging $500.00 an hour. This is why I love PL legal stories they always seem to lack facts so you can get the real picture,
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#12 Consumer Suggestion

I am sorry the PrePaid Legal Associate did not educate you.

AUTHOR: Scott - (U.S.A.)

First of all, I would like to send my sincere apologies that the PPL Associate did not give you the correct information. It angers me you were treated in the way you were. The law firm that treated you inappropriately should be reported to PrePaid Legal immediately! I, like you, had a pre-existing legal matter when I purchased the membership. On pre-existing matters it is 25% off. My issue was going to cost me between $1500 and $2000. For me, I saved much more because the other lawyers in Nashville, TN were very steep! Instead, it turned out to be $450 with PrePaid Legal. Needless to say, I was so satisfied with the product that I became an Associate. I would be more than happy to answer any questions you have in order to help you on your issue.

Sincerely,

Scott
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#13 Consumer Comment

PRE-PAID GIVES THE BEST TRAINING TO ASSOCIATES BUT SOME WILL SOME WON'T

AUTHOR: Angela B - (U.S.A.)

In response to the statement that Pre-Paid Legal Services should train its associates I have to say that there are trainings everyweek for associates, plus thorough online training (which is free)which speicfically covers the membership and hpw to present it, plus they are provided with free materials that explain the membership and exclusions so that the person who is buying can read for themselves.

The question is did the Associate choose to go to training, did they go to training and still decide to do it there way, or did the person who was buying here what they wanted to hear and not read the brochure for themselves. Not only that, they can go the the prepaidlegal corporate website and learn about the plans and they get a membership contract in the mail,plus info on how to use the membership. So PPL has a default in place just in case the associate tries to misrepresent the facts everything is in bold print, on the internet, and in the materials sent to the new member. Not to mention a customer service number, with the nicest customer servie department I've talked to, and a no obligation to continue the plan clause in bold black and white.

All pre-existing situations are covered under title i - unlimited telephone consultations. But if you want an attorney to go to court for a pre-existing situation it will covered under the preferred member discount.
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#14 Consumer Comment

PRE-PAID GIVES THE BEST TRAINING TO ASSOCIATES BUT SOME WILL SOME WON'T

AUTHOR: Angela B - (U.S.A.)

In response to the statement that Pre-Paid Legal Services should train its associates I have to say that there are trainings everyweek for associates, plus thorough online training (which is free)which speicfically covers the membership and hpw to present it, plus they are provided with free materials that explain the membership and exclusions so that the person who is buying can read for themselves.

The question is did the Associate choose to go to training, did they go to training and still decide to do it there way, or did the person who was buying here what they wanted to hear and not read the brochure for themselves. Not only that, they can go the the prepaidlegal corporate website and learn about the plans and they get a membership contract in the mail,plus info on how to use the membership. So PPL has a default in place just in case the associate tries to misrepresent the facts everything is in bold print, on the internet, and in the materials sent to the new member. Not to mention a customer service number, with the nicest customer servie department I've talked to, and a no obligation to continue the plan clause in bold black and white.

All pre-existing situations are covered under title i - unlimited telephone consultations. But if you want an attorney to go to court for a pre-existing situation it will covered under the preferred member discount.
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#15 Consumer Comment

PRE-PAID GIVES THE BEST TRAINING TO ASSOCIATES BUT SOME WILL SOME WON'T

AUTHOR: Angela B - (U.S.A.)

In response to the statement that Pre-Paid Legal Services should train its associates I have to say that there are trainings everyweek for associates, plus thorough online training (which is free)which speicfically covers the membership and hpw to present it, plus they are provided with free materials that explain the membership and exclusions so that the person who is buying can read for themselves.

The question is did the Associate choose to go to training, did they go to training and still decide to do it there way, or did the person who was buying here what they wanted to hear and not read the brochure for themselves. Not only that, they can go the the prepaidlegal corporate website and learn about the plans and they get a membership contract in the mail,plus info on how to use the membership. So PPL has a default in place just in case the associate tries to misrepresent the facts everything is in bold print, on the internet, and in the materials sent to the new member. Not to mention a customer service number, with the nicest customer servie department I've talked to, and a no obligation to continue the plan clause in bold black and white.

All pre-existing situations are covered under title i - unlimited telephone consultations. But if you want an attorney to go to court for a pre-existing situation it will covered under the preferred member discount.
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#16 Consumer Comment

PRE-PAID GIVES THE BEST TRAINING TO ASSOCIATES BUT SOME WILL SOME WON'T

AUTHOR: Angela B - (U.S.A.)

In response to the statement that Pre-Paid Legal Services should train its associates I have to say that there are trainings everyweek for associates, plus thorough online training (which is free)which speicfically covers the membership and hpw to present it, plus they are provided with free materials that explain the membership and exclusions so that the person who is buying can read for themselves.

The question is did the Associate choose to go to training, did they go to training and still decide to do it there way, or did the person who was buying here what they wanted to hear and not read the brochure for themselves. Not only that, they can go the the prepaidlegal corporate website and learn about the plans and they get a membership contract in the mail,plus info on how to use the membership. So PPL has a default in place just in case the associate tries to misrepresent the facts everything is in bold print, on the internet, and in the materials sent to the new member. Not to mention a customer service number, with the nicest customer servie department I've talked to, and a no obligation to continue the plan clause in bold black and white.

All pre-existing situations are covered under title i - unlimited telephone consultations. But if you want an attorney to go to court for a pre-existing situation it will covered under the preferred member discount.
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#17 Consumer Comment

This is not an advertising forum!

AUTHOR: Tim - (U.S.A.)

Porsche, your comments were insughtful and well thought, so my following comments aren't aimed at you.

I find it odd that PPL associates would look at a complaint as an avenue to tout and advertise their business. A couple of associates posted lengthy diatribes about why they think PPL is a great company, but never really dealt with the complaint at issue.

I personally think that PPL's product is a good value, and that, if utilized correctly, it can save people far more money than it costs.

But I do have an issue with the marketing side of PPL. Mass recruiting of salespeople will, in any business, inevitably form a sales force that is not as educated about the product as they should be. Or worse, your sales force will be laden with people who put making a sale over acting ethically.

It looks like that's what happened here. Either the associate wasn't fully informed about the product, or she was willing to lie to a potential consumer to make a sale. And as I said, this is the inevitable result of indiscriminate, mass recruiting.

At least in Amway/Quixtar (which I despise WAY more than PPL), the sales force is selling household goods, and thus don't have the opportunity to really louse up someone's life (unless they convince their clients to become IBOs). But PPL is dealing with people's access to legal representation, and should be held to a higher standard.

So I guess what I, as an attorney, would like to see from PPL is this: train your sales force better in regards to the particulars of the membership, so that they aren't walking around with a head full of mis-information. Also, train your associates to recognize that they are dealing with a very important product, and that they should always put ethics ahead of sales.
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#18 UPDATE Employee

Pre-Paid Legal Ethics

AUTHOR: Porsche_924 - (U.S.A.)

I am not sure what has transpired in the time frame since this message was left. If you were promised that your pre-existing legal situation was covered 100%, then the associate who told you this was either lying or dead wrong. You should have been covered under the 25% discount for pre-existing conditions.

Were you given any information other than directly from your associate? (i.e. dvd, magazine, pamplet, web site). This should have been explained in those. The policy is to direct interested prospects to one of the forms of media available so there is no confusion of misrepresentation.

If your attorney's were rude to you, you need to file a complaint with Pre-Paid Legal. The latter company "employs" the law firms, and is otherwise not directly associated with them. They do, however, have a check-and-balance system for the law firms they employ. If the firm is not doing their job, then they are not earning the handsome salary Pre-Paid Legal pays them, and follow up needs to be done.

You are protected in many different ways with Pre-Paid Legal, if you understand them. If you need any further assistance with the matter I would be happy to oblige.
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#19 UPDATE Employee

Your Associate did not go with company policy...

AUTHOR: Chris - (U.S.A.)

I am a new associate with Pre Paid Legal....I can tell you that there is absolutly NOTHING in the training material that even SUGGESTS that associates are supposed to tell people that they can get help with all of their legal woes. I never tell anyone that they can get help with ongoing law issues. I am sorry that you had a dishonest associate sign you up.
I don't understand why "member services" is giving you such a hard time.....they have answered all of my customer's questions and concerns in a very timely manor, and the one cancellation I had was processed in 24-48 hours.
I hope you find the type of service you are looking for....and I hope you realize that there is no such thing as a quick fix.
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#20 Consumer Comment

Residual Income & Benefits

AUTHOR: Steven - (U.S.A.)

I became a PPL member in 2002 and have saved thousands of dollars through using my memebrship for mundane problems.

I started selling the service after being a meber for a year, and here is my residual membership dollars after not selling for at least a year:

Cash Accrued United States: $0.0
Cash Accrued Canada: $0.0
Last Three Commissions
Check Date Check Amt Location
7/24/2007 $144.76 USA
7/19/2007 $103.36 USA
1/29/2007 $166.24 USA

Monthly Commission Totals
Check Date Check Amt Location
2/2006 $75.36 USA
3/2006 $62.34 USA
4/2006 $99.40 USA
5/2006 $97.18 USA
1/2007 $166.24 USA
7/2007 $248.12 USA

Reserve Balance

Balance : 192.91
Withhold %: 0.250
Limit Amount: 10000.00
Account Location: USA

Balance : 0.00
Withhold %: 0.250
Limit Amount: 10000.00
Account Location: Canada

Tax Info

Current Year: 2006
1099: $353.23

Tax Reporting
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#21 UPDATE Employee

Some explanation

AUTHOR: Alan - (U.S.A.)

Hi there

Sorry for your ordeal

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

First of all lets touch on the company itself

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

Now to the meat and potatoes

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

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

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

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

We just signed up a Walmart in Indiana with 800 employees
I am finding more businesses that I contact are already involved People who have been involved for 8 years And when the stock is double after 2 yrs alone that means theres a lot of positive activity A lot of people involved;money moving hands, people using the product, people promoting it...
But in order for the program to work, people have to use them and implement what is given and associates have to work the formula for recruiting other members and associates
Thats how their growing

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

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

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

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

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

You still have a marketing team figuring out how to sell more 7 UP and you're trying to sell the idea to 7-11
So the 7-11 is actually your associate because when they sell a case or a can - THEIR MAKING MONEY

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

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

But whatever we do wherever - we are always selling something to each other
And there are those that are rivals that are trying to do the same thing and always trying to tear down the foundation of another competitor
And there are competitors to Pre Paid Legal Services, Inc
Wouldn't you agree?

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

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

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

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

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

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

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

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

And I haven't heard any stories about Nuskin being defaulted because they were scamming people
Amway? Herbalife?
Even people like Donald Trump endorses these types of programs because its using people
its networking with people YOU HAVE TO BE INVOLVED TO UNDERSTAND WHAT THEY ARE ALL SAYING
It's like when you first got your job did you know what the exec knows?
Did you have lunch with him/her every day?
Did you go to the board meetings?
Most likely not Because you were in a different class than them But they stay consistent
That's why they make the big bucks and make the company stable

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

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

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

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

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

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

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

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

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

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

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

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

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

Back to the issue
Unfortunately we do have people in this world that don't explain their companys product or service correctly and they decieve a bit to get the sale
Is that the companys fault?
NO
It happens every day to thousands of people on different products and services

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

Thank you for your time

Alan
Independent associate, PPL
Volunteer for child abuse and neglect orgs

http://www.stoptheviolenceuseyourtalents.com

GET INVOLVED FOR THE COMMUNITY
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#22 UPDATE Employee

PPL IS A NOT A SCAM AT ALL

AUTHOR: Cynthia - (U.S.A.)

I have read many comments made by individuals dissatisfied with PPL. My only comment is this, the service is there for people who want to have a peace of mind and have someone in their corner. Now having said that, there will be in any business, satisfied and some unsatisfied.

I strongly feel that it is the judicial system, has contributed to the way big businesses, and major corporations conduct business. I am an associate, and as with any business, you get into it what you put into it. If you have bought a membership and you are not happy, then it is up to you to settle it with that company. That is not to say if you paid for a service that your not entitled to get it.

However, it is PREVENTATIVE SERVICES. No they are not going to get involved with issues you had prior to obtaining a membership with them, I dont know of an attorney who once you hire him for one case, not charge you for another case especially when both parties are not willing to a reasonable agreement. As for the business opportunity, I dont know about you but as a mother of 9 children the small fee of which they are charging for both membership and associate, I can spend in going to McDonald's.

I ask that while you have a bitter taste of a bad experience, understand this; this company has been in business for 32 Y-E-A-R-SSSSS! That says a lot. In closing i will say this, with all the bad press that Walmart has gotten from both consumers and employees, Walmart still tends to keep employees, and I know when i walk in there store is as full as ever. I say that to say this, there is some good and some bad, and whatever you choose to do with any company, either being a consumer or employee, you need to do your homework.

Thanks,
CYNTHIA
NEW YORK
PPL CFT ASSOCIATE
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#23 UPDATE EX-employee responds

Associates Are Lieing Fools

AUTHOR: Brandon - (U.S.A.)

Carl,
It is sad to hear that your associate lied to you to get you to join Pre-Paid Legal. Which is what she did. I used to work in the call center, and could sell the plan if I wanted to. However, I do not want to because of issues I was terminated over when I worked in their call center.
Naturally, as with any other insurance plan (Pre-Paid Legal is "legal insurance") most pre-existing matters 9 times out of 10 ARE NOT covered. But this is not your fault at all. The associate simply lied to you, in order to get you to sign up. You were probably in desperate need of assistance. So she took advantage of that desperateness about you, and failed to mention the most important part of your personal reason for signing up for a plan with Pre-Paid Legal. Which is dirty, but unfortunately Pre-Paid Legal is a dirty company. They do not care if you were lied to and mislead. Hopefully someday consumers such as yourself who were LIED to and MISLEAD by the associates. Will file a class action suit, and sue the snot out of Pre-Paid Legal. I am certain that it could be done. The associates are the representatives for Pre-Paid Legal. Giving them the name of "Independent Associate" does not necessarily clear Pre-Paid Legal from legal procedures do to consumers being lied to and mislead. Especially when you call and request a refund on the services. Believe me, they could be sued for TONS of things. When I worked there, they made a point to tell everybody "watch what you say on the phone, because you could easily get us into a lawsuit by saying the wrong thing". Not only that but when you called the customer care center to get your provider attorney information. Customer care should have been able to tell you whether or not the matter which prompted you to get the plan in the first plan would be covered. The answer to that would be no, obviously because it is pre-existing. I would have then at that time, DEMANDED a refund of all the fees I paid to sign up. I KNOW they would say no. And probably make you feel intimidated enough to leave it alone, and drop it at that.

I am sorry you were done dirty by this dirty company, and their dirty "independent associates".
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