• Report: #245266

Complaint Review: Pre-Paid Legal Services

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  • Submitted: Sun, April 22, 2007
  • Updated: Mon, September 27, 2010

  • Reported By:Temple Hills Maryland
Pre-Paid Legal Services
www.prepaidlegal.com Ada, Oklahoma U.S.A.

Pre-Paid Legal Services NO RESIDUAL INCOME Kicked me out of the company because of hearsay bold-face lies Ada Oklahoma

*Consumer Suggestion: Residual Income from PPL or any MLM

*Consumer Comment: Charge Back BS

*General Comment: I Don't Recieve Charge Backs.

*Consumer Comment: I got mine

*Consumer Comment: you made up my mind

*UPDATE Employee: Here's my take on Pre-paid legal-pros and cons

*UPDATE Employee: To those who cry scam and whine

*Consumer Comment: I once have had their services

*Consumer Comment: PPL Offers A Great Service

*Consumer Comment: You both have good points...

*Consumer Comment: Response

*UPDATE Employee: Response as an Associate for Pre-Paid

*Consumer Comment: This is not a real product - hence not a real 'business'

*Consumer Comment: This is not a real product - hence not a real 'business'

*Consumer Comment: This is not a real product - hence not a real 'business'

*Consumer Comment: This is not a real product - hence not a real 'business'

*UPDATE Employee: I'mmmmmmmmm Back!!!!!

*Consumer Comment: sorry...

*Consumer Comment: Where is the residual income?

*Consumer Suggestion: Response to Mr. W.

*UPDATE Employee: The truth about the residual income

*Consumer Comment: OH Wow! Owns a DLP Projector and was an Amway Enforcer

*Consumer Comment: Residual Income

*Consumer Suggestion: Response to Black Roze

*Author of original report: See you in a year!

*UPDATE Employee: PPL DOES FOLLOW THROUGH ON PROMISES!!! It is NOT for everyone and you lost memberships

*UPDATE Employee: I Am Over It....And This Is Why You Should Be Too!

*UPDATE Employee: Wow!

*UPDATE Employee: Ahhhh Poor Baby........

*Author of original report: Oh! Return Of The Living Dead!

*UPDATE Employee: I knew it there was something strange about Integrity- He's one of the 3 Horsemen

*Author of original report: FREE YOURSELVES FROM THE PPL MATRIX!!

*Consumer Comment: You Reap What You Sow

*Consumer Suggestion: More about PPL's "documentary"

*Consumer Comment: YOUR POST IS DEFINITELY NOT TRUE! I & MANY MANY OTHERS RECIEVE RESIDUALS MONTHLY!

*Consumer Suggestion: Documentary?

*Consumer Comment: Associate Reply: There is definitely money-making potential with PPL

*UPDATE EX-employee responds: Integrity is correct

*UPDATE Employee: You completely missed the point

*UPDATE Employee: You completely missed the point

*UPDATE Employee: You completely missed the point

*UPDATE Employee: You completely missed the point

*UPDATE EX-employee responds: Oh....so you're a wanna-be MLM Thug.

*UPDATE Employee: ExposA....I am indeed that person you think I am.

*UPDATE Employee: ExposA....I am indeed that person you think I am.

*UPDATE Employee: ExposA....I am indeed that person you think I am.

*UPDATE EX-employee responds: Expos

*Author of original report: Finally, You Get It!

*UPDATE Employee: The Author's Last Comments- Very Foul & Disgusting

*Author of original report: PLEASE!

*UPDATE Employee: Infinite Rebuttals??? Wow that's scary!!!

*Author of original report: I'VE GOT INFINITE REBUTTALS FOR ANYONE TRYING TO DEFEND THAT CRAPPY BUSINESS

*UPDATE Employee: Stop crying like a pregnant woman, get some Xanax or some Prozac

*UPDATE Employee: Stop crying like a pregnant woman, get some Xanax or some Prozac

*UPDATE Employee: Stop crying like a pregnant woman, get some Xanax or some Prozac

*UPDATE Employee: Stop crying like a pregnant woman, get some Xanax or some Prozac

*Author of original report: At this point, your just killing your business by responding.

*UPDATE Employee: The Sky is Falling But Chicken Little's at The Bar Having a Drink With Me

*Author of original report: HERE'S THE PPL CAREER ENDER!

*UPDATE Employee: We don't need no stinking bandages...

*UPDATE EX-employee responds: Melvin's still talking out the side of his neck...here's a bandage!

*UPDATE Employee: I'm not putting down my White Russian, in fact, I'll have another one along with a shot of Whiskey

*Author of original report: I'm so glad you shared your (false) residual statement

*Consumer Comment: You Don't Recieve Residuals? Come On....

*Consumer Comment: You Don't Recieve Residuals? Come On....

*Consumer Comment: You Don't Recieve Residuals? Come On....

*Consumer Comment: You Don't Recieve Residuals? Come On....

*Author of original report: White Russian Stupor

*Consumer Comment: Oh man!!!!

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Do not believe anyone in Pre-Paid Legal that tells you you will recieve residual income in 12 to 36 months. That is a bold-face lie.

You will incur chargebacks and have a debit balance that insures residual income will never be paid to you. Ask any of the top money earners or your own upline who has been involved for more than 3yrs how much their residual income check was last month or year.

Don't let them show a check that has their override commission on it. That is only the upfront advanced commission from their team selling memberships for that month. True residual income is the income that comes from all of your personal customers and team customers who continue paying their monthly memberships fees.

Look at your success guide and read the topic on debit balances. They will never train on that subject locally or at a national convention because they know if people knew that truth their wouldn't be any new associates.

I quit PPL not because I did not have success because I did. I quit because I could no longer look people in the eye and tell them this opportunity is gonna make your dreams come true. Ask yourself this: If residual income is such a big selling point for people to join network marketing and PPL why doesn't anyone who has been involved long enough to earn it ever share that part of the income in testimonies. They dangle that advanced commission carrot in your face to distract you from the "real money". Study the industry, I'm not with this company but look at Noni Juice. Since '96 they have created 400 new millionaires (people actually earning $1 million a year)!

Harland Stonecipher in 30 plus years has only created 3! They even try to spin that and make it seem like the millionaire club members earn a million a year! Just like the six-figure ring earners many of whom don't earn six-figures every year!

Everyone in PPL is just a salesman. Salesmen and women have no leverage. If the top income earners didn't market another membership and decided they were finished and took the next five years off their income would fall faster than a rock from 3,000 feet in the air! I enjoyed the service even though many of my customers didn't (And don't anyone even think about trying to say I wrote bad business because I never wrote bad business!).

The fact is from now until forever if people don't use the service they cancel! And guess what? If people use the service they cancel! You will never escape chargebacks they are as sure as taxes. If by some act of God the chargebacks don't get you the debit balance absolutely, positively will! I dare someone to respond to this and say it's not true. Please, I'd love to see how you try to put a spin on this one!!

Folks that opportunity is dead! I'm not here to promote my business but do anything else but PPL! Please find the books that tell you what to look for before joining a company (Successful Network Marketing for the 21st Century by Rod Nichols).

Ask yourself another question. If PPL is growing, why have the memberships remained at 1.4 to 1.5 million for the last several years. How many products and services worth their value took over 30 years to be accepted by the mainstream. Wake up people the big money in PPL has already been paid out. Find another opportunity where timing is on your side because in PPL it's over! Hawaii was the last frontier! How many other places in the United States and Canada can you go and successfully market PPL where noone has heard of it? Even if they didn't hear of it, they know someone who knows someone who knows someone who has heard of it.

Did you get into PPL only for advanced commissions? Why do you think so many of the top leaders in the company left? All I have shared are the facts. Challenge your upline to discredit what has been shared. Ask the corporate office about debit balances and how it relates to residual income! I pray you take this seriously before you invest another second or dime into this opportunity!

Integrity
Temple Hills, Maryland
U.S.A.

Click here to read other Rip Off Reports on Prepaid Legal Services

This report was posted on Ripoff Report on 04/22/2007 07:39 PM and is a permanent record located here: http://www.ripoffreport.com/r/Pre-Paid-Legal-Services/Ada-Oklahoma/Pre-Paid-Legal-Services-NO-RESIDUAL-INCOME-Kicked-me-out-of-the-company-because-of-hearsay-245266. 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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Updates & Rebuttals

#1 Consumer Suggestion

Residual Income from PPL or any MLM

AUTHOR: mmmbuzz - ()

First note, since this thread was started Pre-Paid Legal was bought out in 2011 and taken private, i.e. removed from the NYSE, by a group called MidOcean Partners.  They have subsequently changed the name of the company to Legal Shield although there are still plenty of references to Pre-Paid Legal.  They still use the MLM structure to offer legal insurance/services.

Regarding the request from Russell to provide proof that PPL can or does pay residual commissions and in response to Integrity's statement that PPL does not pay residuals, here is my comment:

Technically the only way that a residual payment is possible with any company is because the client/customer continues to pay a monthly recurring fee for services, or insurance, etc.  This is the case with PPL, i.e. any customers who continue to pay their monthly service fee past the first year allows the producing agent to receive a residual commission.  This is true for PPL as well as any MLM that sells a "utility" service, insurance or recurring monthly contract service.   (Note, I fully acknowledge that PPL will offset any recurring commission payments with any charge backs that they incur.)  So, not withstanding any charge backs, yes, it is possible to receive recurring commissions by selling PPL services.

However, regarding Integrity's assertion that PPL does not pay residual commission and his implication that other MLM's, specifically Health and Nutrition companies, do pay residuals, these assertions fall into a oranges vs apples area.  Why?  Because these companies sell a consumable product and technically there is no way to pay a residual commission because there is no recurring payment.  For companies that sell consumable products the only way to pay another commission is if/when the consumer/client purchases more product.  

In conclusion, there are a few MLM companies, PPL included, that will pay recurring commissions if both you and your customers meet the requirements that the company sets forth.  They can do this because they sell services (insurance, telecom products, utilities, etc) requiring the customer/client to pay a monthly recurring fee to maintain or to provide access to the service/insurance.

The nature of the services offered, and client payment structure, from companies like PPL (vs companies that sell consumable products) provides the potential to for them pay recurring commissions, that is, as long as your clients continue to pay for the service for a long enough period of time, etc.   Remember, just because something has potential does not mean that, in reality, the potential will be recognized... in this case you may not see the potential commissions... or you might.   Best of luck to anyone participating with PPL or any MLM.
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#2 Consumer Comment

Charge Back BS

AUTHOR: youtube foward slash derrickjenkins - (USA)

Everyone in prepaid legal can choose Advanced Pay or Pay as Earned. If you chose Advance Pay which is a Charge-back route then it's your fault for not correcting it before letting your debt with them increase. Hahahahaaa see you at the bottom; By yourself.
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#3 General Comment

I Don't Recieve Charge Backs.

AUTHOR: derrickjenkins - (USA)

It's very sad to hear non educated individuals speak on this site. If you would've selected pay as earned you could've avoided charge backs. Every time Individuals talk about charge backs I label them as morons who did no research before complaining on line. You failed because you don't take time to read and educate yourself. Blame yourself.
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#4 Consumer Comment

I got mine

AUTHOR: Russ - (United States of America)

I have been an Associate with Pre-Paid for 6 years. I am getting residual income as promised.
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#5 Consumer Comment

you made up my mind

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

i was about to join ppl i was being hounded and even went to one of their meeting's i always believe if it sounds to good to be true it's can't be. even after figuring that wasn't going to be an associate i was going to just get the service. thank's to ripoff web site i'm going to save my money, and any other doubts i get about a company i will be stopping by this site before engaging with any to good to be true scams. THANK YOU RIP OFF AND TO THE AUTHOR OF THIS REPORT.
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#6 UPDATE Employee

Here's my take on Pre-paid legal-pros and cons

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

There's good and bad to this company just like any other company in the world. The good news is if you've ever dealt with an attorney then you know how a SIMPLE thing can cost TONS. Most attorneys want $100 per document to even look at. Our company gives up to 10 pages at no added costs. 10x$1000 is $1000. A year of this service doesn't even cost 1/3rd of that. On top of that you can use this per subject matter and ongoing.

There's more aspects into this but that alone is worth it.

Now let's examine the alternatives-public defenders, contingency attorneys, and public aide. All of which are iffy and who knows what they would do. Pre-paid gives it's members an entire network of attorneys and if you don't like any attorney you can be forwarded over to another one. Whether you need an attorney who specializes in document review,child law, etc. Will one public defender or public aide attorney give you that diversity where they can specialize in everything? This part of the company is EXCELLENT. Now the bad part of the company is there are absolute MORONS working within the company. Yes you have to reinvent the wheel in this company because if not you're being influenced to pay for TONS of marketing methods such as flyers and trust me one flyer won't work, billboards that cost in the hundreds, DVDS that you hand out in commodity, and etc.

The best way to run a business is low cost high prophit. Now your other option is to make your own ads through our webapprovals team or adapprovals team. I won't mention any names but there's a COMPLETE moron who works within those departments that doesn't even comprehend the definition of unsolicited. This man has told me I need to make my emails unsolicited I send to people whom i ASK if I can send prior. The scary part about that is any unsolicited electronic email message by law is suppose to have your physical address listed. So what if some CRAZY person gets mad for whatever reason then see's my address listed and comes after me. Then the person who told me i HAVE to make my email unsolicited when it's really not would be negligent. He's a complete idiot!

This man quotes what the american bar association will say and gives out legal advice. He's not a bar'd attorney in my state and he's not an attorney at all!. As a matter of fact what he is doing is ILLEGAL. I've taken information from the FTC website and have asked if I can use this in ads and he's told me no because the credit repositorys wouldn't approve them. Um it's from the FTC's INFO and I'm sure the FTC is completely compliant with the credit repositorys.

I have taken information word for word off of pre-paids legal sites then he's told me you can't use that because it sounds like you're making things out to be a tax write off. Then AFTER I tell him it's from YOUR guys's site he then comes up with another EXCUSE-he tells me that you can't share the associates benefits with someone who isn't an associate yet.

I believe this man doesn't wish to approve things for the simple purpose of trying to make you buy their own marketing materials.

Now some other things about pre-paid legal. This charge back term is bogus and bull. Do you guys realize you're getting a loan basically? You get paid an assumptive commission assuming that the person you sign up will stay on for a year. If they cancel for whatever reason then you just owe back the difference. A smart person would actually look at this like a chance for an interest free loan. Go make a bunch of sales and take your early made money and put it in a bank account and suck up the interest off of that. That's just as good as residual income.

Now yes I do agree that pre-paid is full of crap when it makes it out like we actually get any kind of residual. If your stats hold up and you have a 75 percent retention rate then if a member stays on after 12months you get like petty  money. Like $7 bucks or something as your residual. It's a joke to tell other members you make good residual. I tell people that you can signup a team underneath you and get paid off of what another does within the program. That's actually flipping awesome.

Now as far as retention-you use the IDENTITY theft to keep people onboard. Sell the identity theft first and then let them know how often a person who has identity theft happen will need an attorney as well to go tell all the different banks or consumers or etc that their client had their identity ripped off. For $333 you can have the standard and identity theft together and use the attorney services as much as you want. Most attorneys charge $200+ an hour. If you can use this service just once a year-that'll typically save you money as compared to the TONS of money an attorney will charge you to help with ONE situation. On top of saving on any one situation you get the identity theft almost as a throw in. $333-that's an hour of some attorneys time. Not even enough money to help with ONE situation. The Identity theft is actually awesome because if you ever get your identity stolen then you just simply give our other company we're partnered with the information and they'll have licensed investigators go in and clear your name at no added costs if you give them power of attorney. Other identity theft plans wont do that and they'll just forward you over to another agency to pay more money. Think investigators would be cheap? Like I said-great service STUPID marketing.

Now another stupid thing the company does. Our policys aren't considered insurance and if they were then we'd have to get an insurance license. Yet the company persists to want us to sell this like insurance? This isn't insurance in my eyes-can you use your insurance right away? The identity theft plan is kinda like insurance and nothing else.

Yes you do have to re-invent the wheel with this company because if not then the company wants to make money off of you by spending all your money in marketing methods-handing out tapes,dvds,books,magazines,hotel things,etc.

You can make money in this company if your smart. They're methods blow and their top guys will tell you to do it the companys way but I've come to see them doing their own methods everytime almost.

This product is awesome but the marketing is so up their rear they dont know if they wish to sell this like insurance-even though it's not by law or we'd need insurance licenses.-

Basically if you can get around the one complete moron in marketing who knows nothing of what he does and you can network market with good reliable methods then you can succeed. It's not easy but neither is any other business. Typically new business's fail 98% of the time the first year.




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#7 UPDATE Employee

To those who cry scam and whine

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

Any true network marketer knows that people who cry and whine are pretty much just losers. Plain and simple.

I feel sorry for you since you honestly don't carry a single ounce of business intuitiveness to understand how a business works.

Yes I am an associate however I do not follow the traditional form of business building completely. Obviously there are more and more marketing avenues to build your business today than 5 years ago. However, like any wuss, when they don't get what they want, they kick and scream.

Also residual income happens after a year of a membership. So basically bust your butt for two years and then earn a pretty nice monthly income. If you are willing to learn and expand, then you will be fine.

And as far as juice companies, they come and go. It does not matter though the company, as long as you don't get caught up in gifting and those random matrix companies, the company just focuses on product. Goji is still around and always will be like other juice companies.

But basically what I am trying to say is stop being such a p---y and take responsibility for your own actions. That's step 1 in earning wealth. Step 2 is take action. Step 3 is learn from your mistakes.

Hopefully you learn from these negative attitudes and decide to leave, because Pre-Paid Legal is a great company. The CEO is on the chamber of commerce. It's not going anywhere, it's here to stay, and people who are willing to expand and learn will earn and become wealthy.

So before you cry scam, go tell the NYSE and maybe they will do something, but I doubt it since PPL is not a pyramid scheme. Why? Because there 5 ways to earn, and only one of them is building a downline. Oh yea, and make sure you complain to Forbes since they rated PPL number 1 in return on equity.

Put up or shutup.
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#8 Consumer Comment

I once have had their services

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

I was in a tight spot at the time back in 2000-2001 and though i needed legal service. I came across Pre-Pay Legal Service for help. They assured me that i can get a list of different attorneys or lawyers nearby in my area. I live in Cave Creek, Arizona. I was told by them after a month into the membership that they can help. Well it wound up costing me more money, to be exact, around $225. There were hidden fees that were charged to my account without my consent or recognition prior of joining of being told or aware of these charges. My point is that they lied to me and did absolutely nothing for me. Found out they were BS-ing me of local lawyers/attorneys in CAVE CREEK! Not Phoenix, Not Maricopa, Not ARIZONA, the city i live in. Of course there are no law firms in CAVE CREEK, that is why i went to them for help to begin with. Now since the years have passed i have seen people driving their "personal" vehicles as "work" vehicle just because they have a magnet on the door saying Pre-Pay legal services. WTF? This company hasn't never been ethically straight, just being biased on their pyramid scheme! That is what this is based on, right? If not then what is the company about? I curse out those people that support them, especially when i come across a car in the parking with that magnet on it, i will take it off and throw it in the garbage. Seriously, its a weak way to deduct from your taxes because you sell a legal service and consider your car as a work expense, where in fact you mostly doing more advertising for these people than financially freeing yourself. That is where the unethical part comes into play.

Seriously, any company that NEEDS your money up front so you can get a job, is not a company. Any company that NEEDS your money up front for a service, is probably scamming you. Come on people, how can things change over the years of how businesses work? You need customers to generate money for what they want, so you can have "REPEAT" business. How did business ethics get so bad? Wait, who said money is the root of all evil? Need i say more, or do you want engage in a duel to the death?

Now, in general:
I can b**** and complain, but i only do for what i get in return. Im sorry, i was honest and up front of what i need, paid for a service and never got what i paid for; that is a right i have as an American Citizen and a consumer to businesses in America! Now when people fight against each other based words expressed, aka "OPINIONS", why the hostility? I am NOT least bit surprised on how this country has been failing on all the means it was built on!
Shame on you, the Confederates are winning!

Whats sounds more stupid; Badgering someone for their opinion or Buying a product with a guarantee only to find out the stipulations along with it as far as the fine print in the commercial ad and agreement signed by you and therefore have to pay the sum of 1000% above the total retail value suggested by us, your government?
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#9 Consumer Comment

PPL Offers A Great Service

AUTHOR: Kennethfox - (Canada)

Good Day To All

I am an Associate with PPL and have had the service for about a year. I can agree that charge backs can happen and if it wasn't for the associate status that I wanted to keep I may have canceled the service. However that is only because I was lazy and never got around to using it "This is what will kill the memberships you sell." When I sold my condo and purchased a house I ended up using the service and saved $800 in the legal fees. I know this because I called around to 5 other law firms in my area and got a quote. I was honestly skeptical about weather or not I was actually getting 25% off so I figured I would check it out.

The second time I used the service was after my wife and I moved into our new house. My wife's cell phone number "She wanted to keep it" was now long distance to everyone she was planning on calling so she called and had a $30 a month unlimited long distance package onto the account. Lets just say the wireless company misrepresented themselves "BIG TIME!" and a month and a half later we received a $2300 bill in the mail. After talking to countless representatives and 5 "Useless" managers we decided to get PPL involved. A letter was drafted on our behalf and after the wireless company received it our bill was dropped to $50. That's $3050 saved in less then 6 months so please stop telling folks that the service is garbage. Every area has a different provider law firm and I will tell you that my experience with the provider law firm in Toronto is fantastic!

After all of this happened the concept of PPL went from my brain to my heart and I am now taking the business side of things very seriously! I've just sold my fist membership in 2009 to a family that had a current "Need" for it and will probably never cancel the service because they've used it and see the true value of it. Hell... I've even received a few "Thank you so much!" E-mails for introducing them to what they called a "Powerful service"

That's just my two cents for everyone to take in. Just do me one favor if you're thinking about joining PPL for the service or associate. Think for yourself and don't listen to BS negative comments about the product. Like I said the quality of service will differ from area to area due to different provider law firms. A little off topic but my dream car is a Nissan 350z "Now 370z when it comes out" and I'm sure that if I look up reviews on it I'll find all sorts of A-Hole Nissan bashers out there on the net. You can't please everyone and the truth is... it wont change a thing and I'm still gonna get one.

Take Care All!
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#10 Consumer Comment

You both have good points...

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

It's true what Melvin says. Some people are not cut out for MLM companies. I know, because i am not one of them. We all fail at things for different reasons. Mine? I can't imagine selling 5,000,000 dollars worth of anything to earn a million. In essence, I'm lazy, but also, when you look at one important aspect of your MLM income, Integrity is dead on. I'm not involved in PPL, and decided long ago not to because I had heard the services were not as good as they could be. As such, cancellations can occur. In fact, cancellations always occur, even when it's all good business. The more you sell, the more cancellations or returns you have. It's obvious the problem with this company is how it handles the inevitable cancellation by punishing the agent, rather than trying to determine what it, as a company, can do to minimize cancellations.

On one hand, i understand wanting to make the agent responsible. I was a door to door salesman, and on really bad days, though rare, I gave the cancel spiel and inevitably that came out of my commissions later, but nobody who is trying to make money in the long run is going to push for cancellations. It doesn't make any sense, so I can support Integrity's position. I am just glad that there is someone out there who has taken the time to show an aspect of a MLM company that the MLM company itself will never show because most of them are shady from the word go. Plus, the products are usually 3 times more expensive than you can get at the store, and why pay more for the same thing you can buy at safeway for 1/3 the cost? Kudos for bringing to light your experience so that anybody looking into the company has a moment of, hmmmm, and decides to look into the darkside of the PPL.

Melvin doesn't sound like he's actually involved given he's vague about the company. just a thought.
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#11 Consumer Comment

Response

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

I also spent time reading through these posts because I am at the point of validating whether or not I should join as an associate. As a result of all I've read...I'm more convinced that the only way to really find things out here is to try PPL. I honestly believe it is a legitimate network company and prob. one of my biggest fears were the charge backs. I went to a local PPL meeting and no one there could actually give me a good enough answer as to how to avoid charge backs until I read this thread. I'm not desperately needing any advance pay as I have job security for now...I am not trying to gain a million. A few extra hundreds a month is good enough for me and if I can atleast reach a goal of 2-500 extra a month on a "Paid As" option for payments I think it is very possible over a period of time, hard work and "sweat" to reach that goal. I understand the dynamics of building a business and I'm not expecting overnight success...I wouldn't mind atleast giving this a challenge for a couple of years to see where it takes me.

I do feel that doing the PPL meetings in my area, that they should point this (charge backs) out to people; They really should discuss how to avoid charge backs or if some-one is anxiously in need to make dvance pay...they should tell them the truth of the matter. Not to discuss this in the presentations to me is soley a mistake! For, I believe most people most likely drop-out within their first 90 days or so due to lack of pertinent information or lack of education....Just my 2cents for what it's worth.
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#12 UPDATE Employee

Response as an Associate for Pre-Paid

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

I have read through the thread, and all the responses. Both " Melvin", and "Integrity". Whats most disturbing. Both went from laying out their point of view, to very personal attacks on character, etc. What did I learn? They are both full of b.s. "Integrity" obviously has some major heartburn with PPL, but now is in business with another MLM company, to this day. "Melvin" displayed all the reasons to run from MLM, "strong arm tactics"? Thats why people will/should run from disreputable companies. I can say this, PPL has solid products, dispute it if you will, Identity Theft Restoration? Do some homework and find a company that offers that. If your honest, and just offer whats there, it will take you a long way, no matter what your trying to sell, or put across. So far, I've come across only good things with PPL, people are the failure equation in this business.
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#13 Consumer Comment

This is not a real product - hence not a real 'business'

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

I just spent the last half an hour or so reading over all these messages and specifically, following the heated debate between Melvin and Integrity and I just felt the need to chime in with my 2 cents....

What started me down this cyber journey was the news that my brother in law joined PPL and he was planning on calling me about it...Or more simply put "Ignore Andy if at all possible."

My beef with this "business" if the very notion that it is a business at all. I guess that is my general beef with all MLM "businesses" to begin with. A busines is something that offers a product or service of value, which as far as I can tell, PPL does neither. I have a friend whose wife is involved in PPL and on 2 seperate occasions they needed to actually take advantage of the PPL service and in both cases they could not get assistance and they had to just go hire an attorney the conventional way. We all know that Amway, PPL, and other pyramind schemes (not that MLM isn't a lovely euphamism) are money making schemes first and legitimate products second but I guess my point is, why even pretend??

Why doesn't someone just start a business called the money making pyramind or something equally clever, and go from there. I can see the slogan now "Make millions selling the promise of making millions!!" Why bother even pretending that the service or product you offer has any real merit or value whatsoever? Isn't this the basic notion behind that great idea of putting a dollar in an envelope with a list of names and mailing it out and 8 weeks later you will have like a quarter million dollars? At least that scheme makes no false pretenses and offers nothing of value in addition to the dollar bills and hundreds of thousands of letters you will receive. At least you could sleep at night knowing that at worst you are only out a buck and you haven't put your mortgage, car payment, etc on the line.

Don't you people involved in this feel silly putting on your suit and tie and having "meetings" where you try to sucker in other people to join your "business"?? Why don't you call everyone in and simply say "Okay look people, if all of you sign up, I am going to make $1000 for this meeting, wouldn't you like to hold fake meetings of your own where you too could make $1000??" Why even try to pitch a fake service that you know at the end of the day you don't even believe in? Just be honest about it, if you get everyone in the room to give you $50, and you show them how to get their own room full of people where they can collect $50 from them, and so on and so forth, wouldn't that be a lot more sincere? You can even give it some flashy name "Project Phoenix" or maybe "Wealthmaker Inc." (I expect royalties if either of those are used)

I was once sucked into one of these meetings when I was 18 years old (I'm 31 now), boy was I the perfect "open minded" person to attend one of these, or so they thought. I walked into the room and someone dressed in full 3 piece suit pointed at a chair and said "sit there, that's the money making seat!" (a line I'm sure is still used all the time). Wow! The money making seat!?!? That sounds great! So I sat in the chair and listened to wonderful stories of wealth and saw pictures of fancy cars, gorgeous houses, and too good to be true vacations. Then came the question and answer part of the meeting. Lets just say I had a lot of questions about the "product" and was eventually told I could meet with one of the "leaders" after the meeting. Thankfully mamma raised me right and even at 18 I knew this was complete BS and I promptly returned the undranken koolaid and left after the meeting, with my wallet untouched.

I fear I may have angered the pyramid scheme gods however because now it seems I can't shop at Target once without being attacked by some foot soldier from the cause. "Hey, I see your looking at golf balls" Me-"Yes I am" "What do you usually like to play with?" Me- "Usually Nike, how about you?" and so on and so forth until the inevitable segway into offering me the opportunity of a lifetime. I kid you not this exact same conversation but in different sections of Target has happened to me at least 5 times. Sometimes PPL, sometimes other pyramind schemes, always a crock of crap. I guess I am just too nice to be rude to people, even when the situation calls for it. Bottom line here, if your "business" actually involves going to a real business and striking up conversation with complete strangers in order to build enough comradere to feel comfortable trying to convince them to attend a meeting where you can then convince them to give you money for a false service or product, you should look for a new line of work.

If anyone here, including Melvin, thinks that they could actually make a career out of selling PPL, I would be shocked. When you listen to Mel go on and on about how great a salesperson he is and how he succeeded at this and that and owns this company and that company, one can't help but ask the obvious question.....If your so successful, why has your focused switched to so many different things? I mean with your sales skills and accomplishments, shouldn't you be at the top of the food chain of something by now? Shouldn't you be a household name of sorts? If you make so much money off of something, why do you leave it and start doing something else? I'm not trying to down you Melvin, I bet you are a good salesperson. I also bet that you are intelligent and you know that what you peddling is bogus but I understand that if you are to make money, you need to keep the hope alive...The belief that maybe, just maybe, sinking your last $100 into this "business" is just the foundation needed to build enough wealth to move out of the trailer...But Melvin, you and I know the truth...

So in summation I would discourage all would be PPL (or other pyramind schemes) "businesspeople" to seek out real opportunity.

Heck, go sell cars, at least they are honest about their dishonesty and the cars are real!
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#14 Consumer Comment

This is not a real product - hence not a real 'business'

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

I just spent the last half an hour or so reading over all these messages and specifically, following the heated debate between Melvin and Integrity and I just felt the need to chime in with my 2 cents....

What started me down this cyber journey was the news that my brother in law joined PPL and he was planning on calling me about it...Or more simply put "Ignore Andy if at all possible."

My beef with this "business" if the very notion that it is a business at all. I guess that is my general beef with all MLM "businesses" to begin with. A busines is something that offers a product or service of value, which as far as I can tell, PPL does neither. I have a friend whose wife is involved in PPL and on 2 seperate occasions they needed to actually take advantage of the PPL service and in both cases they could not get assistance and they had to just go hire an attorney the conventional way. We all know that Amway, PPL, and other pyramind schemes (not that MLM isn't a lovely euphamism) are money making schemes first and legitimate products second but I guess my point is, why even pretend??

Why doesn't someone just start a business called the money making pyramind or something equally clever, and go from there. I can see the slogan now "Make millions selling the promise of making millions!!" Why bother even pretending that the service or product you offer has any real merit or value whatsoever? Isn't this the basic notion behind that great idea of putting a dollar in an envelope with a list of names and mailing it out and 8 weeks later you will have like a quarter million dollars? At least that scheme makes no false pretenses and offers nothing of value in addition to the dollar bills and hundreds of thousands of letters you will receive. At least you could sleep at night knowing that at worst you are only out a buck and you haven't put your mortgage, car payment, etc on the line.

Don't you people involved in this feel silly putting on your suit and tie and having "meetings" where you try to sucker in other people to join your "business"?? Why don't you call everyone in and simply say "Okay look people, if all of you sign up, I am going to make $1000 for this meeting, wouldn't you like to hold fake meetings of your own where you too could make $1000??" Why even try to pitch a fake service that you know at the end of the day you don't even believe in? Just be honest about it, if you get everyone in the room to give you $50, and you show them how to get their own room full of people where they can collect $50 from them, and so on and so forth, wouldn't that be a lot more sincere? You can even give it some flashy name "Project Phoenix" or maybe "Wealthmaker Inc." (I expect royalties if either of those are used)

I was once sucked into one of these meetings when I was 18 years old (I'm 31 now), boy was I the perfect "open minded" person to attend one of these, or so they thought. I walked into the room and someone dressed in full 3 piece suit pointed at a chair and said "sit there, that's the money making seat!" (a line I'm sure is still used all the time). Wow! The money making seat!?!? That sounds great! So I sat in the chair and listened to wonderful stories of wealth and saw pictures of fancy cars, gorgeous houses, and too good to be true vacations. Then came the question and answer part of the meeting. Lets just say I had a lot of questions about the "product" and was eventually told I could meet with one of the "leaders" after the meeting. Thankfully mamma raised me right and even at 18 I knew this was complete BS and I promptly returned the undranken koolaid and left after the meeting, with my wallet untouched.

I fear I may have angered the pyramid scheme gods however because now it seems I can't shop at Target once without being attacked by some foot soldier from the cause. "Hey, I see your looking at golf balls" Me-"Yes I am" "What do you usually like to play with?" Me- "Usually Nike, how about you?" and so on and so forth until the inevitable segway into offering me the opportunity of a lifetime. I kid you not this exact same conversation but in different sections of Target has happened to me at least 5 times. Sometimes PPL, sometimes other pyramind schemes, always a crock of crap. I guess I am just too nice to be rude to people, even when the situation calls for it. Bottom line here, if your "business" actually involves going to a real business and striking up conversation with complete strangers in order to build enough comradere to feel comfortable trying to convince them to attend a meeting where you can then convince them to give you money for a false service or product, you should look for a new line of work.

If anyone here, including Melvin, thinks that they could actually make a career out of selling PPL, I would be shocked. When you listen to Mel go on and on about how great a salesperson he is and how he succeeded at this and that and owns this company and that company, one can't help but ask the obvious question.....If your so successful, why has your focused switched to so many different things? I mean with your sales skills and accomplishments, shouldn't you be at the top of the food chain of something by now? Shouldn't you be a household name of sorts? If you make so much money off of something, why do you leave it and start doing something else? I'm not trying to down you Melvin, I bet you are a good salesperson. I also bet that you are intelligent and you know that what you peddling is bogus but I understand that if you are to make money, you need to keep the hope alive...The belief that maybe, just maybe, sinking your last $100 into this "business" is just the foundation needed to build enough wealth to move out of the trailer...But Melvin, you and I know the truth...

So in summation I would discourage all would be PPL (or other pyramind schemes) "businesspeople" to seek out real opportunity.

Heck, go sell cars, at least they are honest about their dishonesty and the cars are real!
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#15 Consumer Comment

This is not a real product - hence not a real 'business'

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

I just spent the last half an hour or so reading over all these messages and specifically, following the heated debate between Melvin and Integrity and I just felt the need to chime in with my 2 cents....

What started me down this cyber journey was the news that my brother in law joined PPL and he was planning on calling me about it...Or more simply put "Ignore Andy if at all possible."

My beef with this "business" if the very notion that it is a business at all. I guess that is my general beef with all MLM "businesses" to begin with. A busines is something that offers a product or service of value, which as far as I can tell, PPL does neither. I have a friend whose wife is involved in PPL and on 2 seperate occasions they needed to actually take advantage of the PPL service and in both cases they could not get assistance and they had to just go hire an attorney the conventional way. We all know that Amway, PPL, and other pyramind schemes (not that MLM isn't a lovely euphamism) are money making schemes first and legitimate products second but I guess my point is, why even pretend??

Why doesn't someone just start a business called the money making pyramind or something equally clever, and go from there. I can see the slogan now "Make millions selling the promise of making millions!!" Why bother even pretending that the service or product you offer has any real merit or value whatsoever? Isn't this the basic notion behind that great idea of putting a dollar in an envelope with a list of names and mailing it out and 8 weeks later you will have like a quarter million dollars? At least that scheme makes no false pretenses and offers nothing of value in addition to the dollar bills and hundreds of thousands of letters you will receive. At least you could sleep at night knowing that at worst you are only out a buck and you haven't put your mortgage, car payment, etc on the line.

Don't you people involved in this feel silly putting on your suit and tie and having "meetings" where you try to sucker in other people to join your "business"?? Why don't you call everyone in and simply say "Okay look people, if all of you sign up, I am going to make $1000 for this meeting, wouldn't you like to hold fake meetings of your own where you too could make $1000??" Why even try to pitch a fake service that you know at the end of the day you don't even believe in? Just be honest about it, if you get everyone in the room to give you $50, and you show them how to get their own room full of people where they can collect $50 from them, and so on and so forth, wouldn't that be a lot more sincere? You can even give it some flashy name "Project Phoenix" or maybe "Wealthmaker Inc." (I expect royalties if either of those are used)

I was once sucked into one of these meetings when I was 18 years old (I'm 31 now), boy was I the perfect "open minded" person to attend one of these, or so they thought. I walked into the room and someone dressed in full 3 piece suit pointed at a chair and said "sit there, that's the money making seat!" (a line I'm sure is still used all the time). Wow! The money making seat!?!? That sounds great! So I sat in the chair and listened to wonderful stories of wealth and saw pictures of fancy cars, gorgeous houses, and too good to be true vacations. Then came the question and answer part of the meeting. Lets just say I had a lot of questions about the "product" and was eventually told I could meet with one of the "leaders" after the meeting. Thankfully mamma raised me right and even at 18 I knew this was complete BS and I promptly returned the undranken koolaid and left after the meeting, with my wallet untouched.

I fear I may have angered the pyramid scheme gods however because now it seems I can't shop at Target once without being attacked by some foot soldier from the cause. "Hey, I see your looking at golf balls" Me-"Yes I am" "What do you usually like to play with?" Me- "Usually Nike, how about you?" and so on and so forth until the inevitable segway into offering me the opportunity of a lifetime. I kid you not this exact same conversation but in different sections of Target has happened to me at least 5 times. Sometimes PPL, sometimes other pyramind schemes, always a crock of crap. I guess I am just too nice to be rude to people, even when the situation calls for it. Bottom line here, if your "business" actually involves going to a real business and striking up conversation with complete strangers in order to build enough comradere to feel comfortable trying to convince them to attend a meeting where you can then convince them to give you money for a false service or product, you should look for a new line of work.

If anyone here, including Melvin, thinks that they could actually make a career out of selling PPL, I would be shocked. When you listen to Mel go on and on about how great a salesperson he is and how he succeeded at this and that and owns this company and that company, one can't help but ask the obvious question.....If your so successful, why has your focused switched to so many different things? I mean with your sales skills and accomplishments, shouldn't you be at the top of the food chain of something by now? Shouldn't you be a household name of sorts? If you make so much money off of something, why do you leave it and start doing something else? I'm not trying to down you Melvin, I bet you are a good salesperson. I also bet that you are intelligent and you know that what you peddling is bogus but I understand that if you are to make money, you need to keep the hope alive...The belief that maybe, just maybe, sinking your last $100 into this "business" is just the foundation needed to build enough wealth to move out of the trailer...But Melvin, you and I know the truth...

So in summation I would discourage all would be PPL (or other pyramind schemes) "businesspeople" to seek out real opportunity.

Heck, go sell cars, at least they are honest about their dishonesty and the cars are real!
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#16 Consumer Comment

This is not a real product - hence not a real 'business'

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

I just spent the last half an hour or so reading over all these messages and specifically, following the heated debate between Melvin and Integrity and I just felt the need to chime in with my 2 cents....

What started me down this cyber journey was the news that my brother in law joined PPL and he was planning on calling me about it...Or more simply put "Ignore Andy if at all possible."

My beef with this "business" if the very notion that it is a business at all. I guess that is my general beef with all MLM "businesses" to begin with. A busines is something that offers a product or service of value, which as far as I can tell, PPL does neither. I have a friend whose wife is involved in PPL and on 2 seperate occasions they needed to actually take advantage of the PPL service and in both cases they could not get assistance and they had to just go hire an attorney the conventional way. We all know that Amway, PPL, and other pyramind schemes (not that MLM isn't a lovely euphamism) are money making schemes first and legitimate products second but I guess my point is, why even pretend??

Why doesn't someone just start a business called the money making pyramind or something equally clever, and go from there. I can see the slogan now "Make millions selling the promise of making millions!!" Why bother even pretending that the service or product you offer has any real merit or value whatsoever? Isn't this the basic notion behind that great idea of putting a dollar in an envelope with a list of names and mailing it out and 8 weeks later you will have like a quarter million dollars? At least that scheme makes no false pretenses and offers nothing of value in addition to the dollar bills and hundreds of thousands of letters you will receive. At least you could sleep at night knowing that at worst you are only out a buck and you haven't put your mortgage, car payment, etc on the line.

Don't you people involved in this feel silly putting on your suit and tie and having "meetings" where you try to sucker in other people to join your "business"?? Why don't you call everyone in and simply say "Okay look people, if all of you sign up, I am going to make $1000 for this meeting, wouldn't you like to hold fake meetings of your own where you too could make $1000??" Why even try to pitch a fake service that you know at the end of the day you don't even believe in? Just be honest about it, if you get everyone in the room to give you $50, and you show them how to get their own room full of people where they can collect $50 from them, and so on and so forth, wouldn't that be a lot more sincere? You can even give it some flashy name "Project Phoenix" or maybe "Wealthmaker Inc." (I expect royalties if either of those are used)

I was once sucked into one of these meetings when I was 18 years old (I'm 31 now), boy was I the perfect "open minded" person to attend one of these, or so they thought. I walked into the room and someone dressed in full 3 piece suit pointed at a chair and said "sit there, that's the money making seat!" (a line I'm sure is still used all the time). Wow! The money making seat!?!? That sounds great! So I sat in the chair and listened to wonderful stories of wealth and saw pictures of fancy cars, gorgeous houses, and too good to be true vacations. Then came the question and answer part of the meeting. Lets just say I had a lot of questions about the "product" and was eventually told I could meet with one of the "leaders" after the meeting. Thankfully mamma raised me right and even at 18 I knew this was complete BS and I promptly returned the undranken koolaid and left after the meeting, with my wallet untouched.

I fear I may have angered the pyramid scheme gods however because now it seems I can't shop at Target once without being attacked by some foot soldier from the cause. "Hey, I see your looking at golf balls" Me-"Yes I am" "What do you usually like to play with?" Me- "Usually Nike, how about you?" and so on and so forth until the inevitable segway into offering me the opportunity of a lifetime. I kid you not this exact same conversation but in different sections of Target has happened to me at least 5 times. Sometimes PPL, sometimes other pyramind schemes, always a crock of crap. I guess I am just too nice to be rude to people, even when the situation calls for it. Bottom line here, if your "business" actually involves going to a real business and striking up conversation with complete strangers in order to build enough comradere to feel comfortable trying to convince them to attend a meeting where you can then convince them to give you money for a false service or product, you should look for a new line of work.

If anyone here, including Melvin, thinks that they could actually make a career out of selling PPL, I would be shocked. When you listen to Mel go on and on about how great a salesperson he is and how he succeeded at this and that and owns this company and that company, one can't help but ask the obvious question.....If your so successful, why has your focused switched to so many different things? I mean with your sales skills and accomplishments, shouldn't you be at the top of the food chain of something by now? Shouldn't you be a household name of sorts? If you make so much money off of something, why do you leave it and start doing something else? I'm not trying to down you Melvin, I bet you are a good salesperson. I also bet that you are intelligent and you know that what you peddling is bogus but I understand that if you are to make money, you need to keep the hope alive...The belief that maybe, just maybe, sinking your last $100 into this "business" is just the foundation needed to build enough wealth to move out of the trailer...But Melvin, you and I know the truth...

So in summation I would discourage all would be PPL (or other pyramind schemes) "businesspeople" to seek out real opportunity.

Heck, go sell cars, at least they are honest about their dishonesty and the cars are real!
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#17 UPDATE Employee

I'mmmmmmmmm Back!!!!!

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

Back from the road and saw this message about me so I thought I'd answer. I was pretty much having fun with Integrity. I'm not in Pre-Paid Legal or any company. I just saw his whiny post and I thought I'd have a little amusement at his expense and he feel for the whole thing, hook line and sinker.....lol

My honest opinion is that if you work hard, you are rewarded

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#18 Consumer Comment

sorry...

AUTHOR: Russell - (Canada)

My questions werent posted under each item. Probably because i put them in brackets. Sorry Mr.W, I will have to repost them.
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#19 Consumer Comment

Where is the residual income?

AUTHOR: Russell - (Canada)

Again. Not to sound like a pain in the butt, but NO ONE HAS YET to show me how you make residual income.

Mr W... I appreciate the explanation, but it was confusing, and i still don't see where you get your residual income from...

Way one

assume 120.00 per membership


january you market five memberships= 600.00 paid - 50 earned income= 550 debit balance

february u market 5 again= 600 paid - 50 again added to 550- 50 of january money
1200 paid 1050 debit balance 150 earned

march 600-50= 550 + 500 from feb + 450 from jan = 1500 debit balance
1800 paid 300 earned

april 600-50= 550 + 500 march + 450 from feb + 400 jan= 1900 debit 500 earned 2400 paid

here i will show a chargeback scenario fwith a january member payin 2/3 of the year advance of 120 which is 80

may 600 pay -80 chargeback 520 paid in ur account yet debit balance 520-50 earned 4 may=470 + 500 apr + 450 march + 400 feb + 350 jan


2920 paid not 3000 to cover the chargeback and debit balance is 2170 yet 750 was earned this year so far; u see over a few years the earned income will outweigh advanced income. remember, this only shows personal commission, not overrides of team, but the principal is the same.

etcetera

way two

assume same 120 per membership

jan five memberships 120/12= 10.00
50.00 paid to me no debit balance

feb. five more = 50 + 50 from original five= 100 paid to me no debit balance

march five more = 50 + 50+ 50= 150 paid to me

april five more = 50 + 50+ 50+ 50= 200 paid to me

may five more with the same chargeback from january 50+50+50+50+40 as one 10.00 was lost so I get 240.00 that month.

This is what i'm talking about. It's not only you Mr.W, i'm not singling you out. But NO ONE in PPL has been able to explain this clearly to me. If i'm going to invest into a business opportunity, and no one can clearly explain to me how to make money, why would i invest? I can go to other mlm's and put the compensation plan into an excel spreadsheet and know almost exactly how much i will be making on each level just by punching in one number.

Show me how to do that with PPL. I'm just trying to validate making an investment into this. If i can't understand it, how am i suppose to sell it?

I want to see an example 3 levels down, marketing 5 people on each level, with all bonuses. Can someone show me that in a easy simple way?

Thanks

Russ
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#20 Consumer Suggestion

Response to Mr. W.

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

Mr. W,

I liked your rebuttal. Unlike other MLMs, I try to keep an open mind with PPL because, as I have stated time and time again, and as a practicing attorney, I think PPL offers a soid product. I cannot say the same about Amway/Quixtar, Melaleuca, Cydcor, Primerica, or the other slew of MLMs that receive consistent complaints on here.

However, you set forth a scenraio whereby a new recruit could acheive 5 sign-ups per month. But then you go on to say that, after three years, you only have ten "established" clients.

Per your math, combined with your expereince, only one out of roughly every eighten clients will actually stick around for at least three years.

Now, I may be mistaken about this, but isn't the associate charged a fairly subtantial fee when a client cancels his/her contract? And, if 17 out of 18 contracts will ultimately cancel, doesn't this place an enormous financial burden on the associate?

Let me know if I have this wrong, but it seems like your rebuttal proved the point of the original complaint.

Best regards.
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#21 UPDATE Employee

The truth about the residual income

AUTHOR: Mr. W. - (U.S.A.)

Regarding the residual income, it is real in pre-paid legal. I know many people who have earned it, as I would have, but I wrote a lot of bad business not fully understanding who we are, who we want to protect, who will generally value our services, and how to make money for real.

Some one said that the market is saturated in many major American cities. That person is correct, as it is saturated with people in our target market needing the services we provide because they one can not simply get them from somewhere else like Noni Juice in the health n wellness industry, which for some reason has a new miracle product that is discovered every twelve to 18 months to form a new company that has all of the execs from the company it seeks to replace because people want the recognition and prestige of being at the top, which is why PPL lost some major movers and shakers. Interesting though, if people were logical and stepped away from the stigma they attach to MLM due to ignorance, they wil understand corporate america does it all the time. The CEO of Home Depot will quit, not really for more money, but for the fame of pulling Delta Airlines from the brink of BK. Wait, didnt that happen for real? Does that make Home Depot or whatever traditional big business a dump or bad company? No, leadership simply changes.Finally, people should take a look at USA Today's August 22nd edition, as PPL was featured in true 3rd party documentation, as USA Today has nothing at al to do with PPL, though every former AG on the documentary does not have a relationship to some degree with PPL.

Concerning the compensation plan, it is very simple to see the residual if its done in a simplified, generic way. I will show two, one with and without the debit balance as an issue.

Way one

assume 120.00 per membership

january you market five memberships= 600.00 paid - 50 earned income= 550 debit balance

february u market 5 again= 600 paid - 50 again added to 550- 50 of january money
1200 paid 1050 debit balance 150 earned

march 600-50= 550 + 500 from feb + 450 from jan = 1500 debit balance
1800 paid 300 earned

april 600-50= 550 + 500 march + 450 from feb + 400 jan= 1900 debit 500 earned 2400 paid

here i will show a chargeback scenario fwith a january member payin 2/3 of the year advance of 120 which is 80

may 600 pay -80 chargeback 520 paid in ur account yet debit balance 520-50 earned 4 may=470 + 500 apr + 450 march + 400 feb + 350 jan

2920 paid not 3000 to cover the chargeback and debit balance is 2170 yet 750 was earned this year so far; u see over a few years the earned income will outweigh advanced income. remember, this only shows personal commission, not overrides of team, but the principal is the same.

etcetera

way two

assume same 120 per membership

jan five memberships 120/12= 10.00
50.00 paid to me no debit balance

feb. five more = 50 + 50 from original five= 100 paid to me no debit balance

march five more = 50 + 50+ 50= 150 paid to me

april five more = 50 + 50+ 50+ 50= 200 paid to me

may five more with the same chargeback from january 50+50+50+50+40 as one 10.00 was lost so I get 240.00 that month.

etcetera

Now, this is the beautiful part. PEOPLE ACTUALLY KEEP THE MEMBERSHIP!! I have been around the industry for several years and this is the first actual product I can see someone getting that is useful at EVERY STEP AND STAGE of life unlike so many other products in the MLM industry. Currently half of my customers are on the books AT LEAST TWO of the three n half years I have been involved. EVEN BETTER, TEN ARE APPROACHING THREE YEARS. So many other companies are not even around long enough for a customer to join without the business as an 18 y.o. freshman and be there when they graduate from college. The biggest reason associates fail is they go after people who are not the target market for PPL's extremely valuable services.

For example, why would I try to market car insurance to someone who rides the bus or does not have car insurance, which is mandatory for a law and just makes common sense? The biggest thing we associates have to do is educate and orientate the member to actually using the service, as the targeted customer for PPL is the middle class, though its members were not reared to use attorneys, which is where chargebacks become an issue. So if you want to get rid of chargebacks, GET PAID AS EARNED, QUIT PRETENDING LIKE PPLSI IS A SCAM, GET EDUCATED, AND WRITE GOOD BUSINESS to people who will likely genuinely see the need. Now dont get me wrong, things happen, but once I use a service that saved me thousands I could not have saved myself by going online, shopping around, using coupons, eating better, exercizing, dieting, comparing prices, etc, i make sure I will keep it before the little dumb things like extra pairs of shoes I dont need, though I really like to shop. Once i stopped doing that, I saw my percentage of members who keep the service jump from a little over 55% to 80.39%, which continues to increase my residual income, which brings the debit balance down faster, so I can get the residual in my pocket.

Truth be told, most people dont get residual not because they dont exist, but they refuse to stay in a company for a minimum of five years to get settled, but they are only in it for the fast dollar.
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#22 Consumer Comment

OH Wow! Owns a DLP Projector and was an Amway Enforcer

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

It's people like Melvin is the reason why I would never join a MLM. He caught himself in a lie with his claim about how he read a post that was "Very Foul" before it was pulled. That is an outright lie!. It was basically his only rebutal he had.. pretty sad.

I'm also pretty sure that his claim about getting a development contract with the WWE is bogus as well. I mean when someone claims they did the following, with all the hard work it entails:

-Amway distributor
-Powerseller on EBAY
-Two Years as Executive Directory of PPL
-Runs a very large marketing company as well as a nutritional consulting service center
-works the Forex Market
-Top position in 3 different companies

When did they have the time to go to Wrestling School, Train, work their way through the Ohio Valley Wrestling or Florida Championship Wrestling (kinda hard to do there living in Greenville, South Carolina) and win some tournaments in those development territories so the WWE even notices them to offer them a contract. He's all about making himself look important, even if he has to lie to do it.
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#23 Consumer Comment

Residual Income

AUTHOR: Russell - (Canada)

I've posted my own concerns about PPL with "Rip-off report". I read through this rebuttal, and since it's getting so much attention, i will ask my question - which does pertain to this discussion.

Obviously emotions get touched, and responses become heated. The problem with this is that the original question seems to get pushed to the side. So backe to the original statement, that no one has seemed to validate with any factual evidence. And which is also something that i would like someone to explain to me.

How do you make residual income?

Where does it come from? What is the percentage? Where is the math that backs this up? Or proves it for this matter? Can someone give me a real life example with real numbers on how it's calculated, so i can do some calculations of my own?

Let me know... please... somebody, anybody.
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#24 Consumer Suggestion

Response to Black Roze

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

Black Roze,

I hope you can pass the MPRE with your apparent understanding of the MRPC.

If you don't understand what I just said, it is an ethical violation for an attorney to market legal services per the PPL plan.

I don't have a problem with the service PPL offers (as long as PPL sticks to their contracts). In fact, I think the service, in theory, is a great idea.

But when an attorney, or a purported attorney, markets the plan, said attorney is in violation of several of the Model Rules of Professional Conduct and the case law that has interpreted said rules.

Additionally, by holding yourself out as a "limited" attorney and simaltaneously endorsing PPL, you are actively violating several sections and interpretations of the MRPC.

Further, once you gain your license to practice, the marketing of PPL services will potentially subject you to severe sanctions under the MRPC and your state's adoption thereof.

Bottom line: the marketing of PPL services is NOT for attorneys. If you wish to pursue a legal career, ditch the PPL gig.

Best regards,

Admitted to practice in the courts of the State of Indiana, the Northern District of Indiana, and the Western District of Michigan.
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#25 Author of original report

See you in a year!

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

6 months!?!? You haven't been in long enough for us to even have a conversation. You think you're the first attorney to join!!?? Besides you being an attorney doesn't mean squat! This is network marketing. How many of the top income earners in the company have legal backgrounds? Please don't quit your day job. You and PPL are just dating right now. All you are seeing is good side for now. You'll soon find out its not about the training.

As for the training I've received it was some of the best and I still use it to this day in my current business. Also the information I have is all documented. See you in a year.
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#26 UPDATE Employee

PPL DOES FOLLOW THROUGH ON PROMISES!!! It is NOT for everyone and you lost memberships

AUTHOR: Blakk Roze - (U.S.A.)

I have been with Pre Paid Legal about 6 months and I LOVE it! There's NO salesmanship to it...it sells itself! Your figures are severly incorrect, but anyone who couldn't make it will make up things, just be very careful you do not end up in a civil and criminal action for libel, slander and defamation my friend! In addition to being a PPL Associate, I am also a 3rd year Law School student/ limited practice attorney as we speak and some of your statements fit nicely in the aforementioned charges and are genuinely anti-integrity! I personally know several Gold Executives, one lives about 6 miles from me. We are NOT about recruitment, you must have been asleep during that part of your training (you may NOT have even GOTTEN any training if you couldn't write good business and keep in contact with your clients and be there to help them with anything they need to ensure your own residuals...THAT'S called Customer Service and taking care of your clients AFTER the "sale".

Majority of us follow the plan and are very happy and love what we do so don't come on here with a bunch or lies to cover your own ineptness and lack of personality and basic incompetence by putting down a GREAT company that gives a GREAT service!
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#27 UPDATE Employee

I Am Over It....And This Is Why You Should Be Too!

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

I don't believe you but I respect your response. I've been over PPL for quite some time now and as long as you don't mind working for chargebacks then who am I to judge? Don't give me that crap about you being in the business simply to "help people" because you can do that for FREE by just telling people about the service. But no, you signed on as an associate so YOU agreed to MAKE MONEY and PROFIT from that business. So please, save me the self-righteous speech.

I found a company that is more fulfilling than PPL with way more benefits for the same effort you put in. So hey, if you think you have the best company with the best comp. plan so be it.

At the end of the day the numbers tell the real story and unfortunately I can't show you the scanned documentation on this forum. You can check the company prospectus for some of the real numbers.

However, there are numbers you will NEVER see. Like the contractual agreements given to some of your upline who not only benefit from your business but are also "salaried employees" with the company. Which means they are fully aware of the information I've shared since my first post but will NEVER admit it because of their contractual agreement and their financial interest in your business staying put.

Your "research" of this company probably missed that.
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#28 UPDATE Employee

Wow!

AUTHOR: Get Over It - (U.S.A.)

I have been reading your responses, and it seems as though they all have one theme. There is an underlying anger in all your responses, and it is really sad. I'm not sure who signed you up, or what kind of training you went through, but I don't know of any organization that preaches residual income. Yes it is real, and yes PPL pays it out. I think that you were in this business for the wrong reasons. Pre-Paid Legal is not a get quick rich scheme, and as a commonality in all your writings, that seems to me your problem with PPL. EVERY business takes time to build. You will not become a million dollar earner overnight...maybe not ever. We should not be telling people to get involved for this reason. PPL is a great EXTRA income.

An income and business that when built over time, begins to grow. You can't expect the company to pay you massive residual income if you are not doing the activity, but instead, sit back and expect to live off that. From the sounds of it, you were successful, however, it also sounds that you failed. You failed yourself, those on your team, and everyone who comes in contact with. You made this business about YOU, and making money, not about helping others and their needs. This business is about helping people. When money becomes your only factor, you absolutely will not keep business on the books. You are right about one thing, people aren't stupid. They can see right through you when you're heart is in the wrong place; which it was then, and is obviously still now.

Our organization teaches people about an opportunity to bring in an extra 2-3-400 a month, we are not promising millions. I'm sorry that you were obviously coached wrong, but you had the opportunity to teach the right way. But again, it seems as though it wasn't just your upline that was the issue, but your selfishness. You can retort, and say the same ol' things to me as you did the others, but I have done my research. I had also ventured out and tried many other companies before this one, I was not as successful as my husband and I are now...we are successful strongly because our philosophies have changed. I have not been brainwashed, I absolutely think for myself. I've been in this industry for many years, and this is the best company I've come across...naive, I don't think so. I never do anything without massive research, and unfortunately, your information is outdated.

PPL does have an updated comp. plan. A comp. plan that blows companies out of the water. Every 6 days, there is another 100,000 ring earners....EVERY SIX DAYS! There are over 30 millionaire earners, and that number is also growing everyday. This company does work, but it is not for everyone. It is not for those people who just want to earn money through no effort of their own. It is not for anyone who wants to become a millionaire overnight, and it is not for people who have no integrity.
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#29 UPDATE Employee

Ahhhh Poor Baby........

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

Integrity, when are you going to change your diaper and stop whining about getting the boot out of the company. You cheated, you lied, and you were properly punished and kicked out for cross promoting products and revealing confidential company information to cross promote products.


That's not telling the truth, its called bending the truth for your own benefit and you got what you deserved.


No-one holds a gun to your head to sign up to be an associate and any information about the company is open to the public in terms of financial status, rules and regulations.


Now, I'm right now training right now as I just got a development contract with the WWE so I'm not going to waste my time with a baby such as yourself. People like you have no integrity whatsoever and in truth......



YOU REAP WHAT YOUR SOW!!!
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#30 Author of original report

Oh! Return Of The Living Dead!

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

I guess it is true that roaches are all that would survive a nuclear bomb (reference the Finally You Get It rebuttal).

Melvin you have the intelligence of a dead toenail! Who do you get your info from??? They should be fired!!

People first of all there were 4 such associates called Horsemen. Two of them are still with PPL (Dumb Donald isn't in the loop so he has to talk out of his neck!).

Yes, the other two at different times were blamed for telling people the truth about PPL.

AGAIN, I AM NOT ANY OF THESE ASSOCIATES!

Melvin you and your BS have already been EXPOSED in the above Expose rebuttal.

If you had a rubber hose ALL you would do is wrap it around your arm and "beat" your arm for a vein so you could shoot heroin into it! SAY NO TO DRUGS AND GO AWAY!!

Don't let the drugs possess you to respond to me again!

INTEGRITY
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#31 UPDATE Employee

I knew it there was something strange about Integrity- He's one of the 3 Horsemen

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

I knew there was something fishy about you when you keep boasting about the number of millionaire in selling Noni Juice. You're one of or associated with the 3 Horsemen.


For those who don't know, the 3 Horseman were a group of associates that tried to cross-connect their associates to a different network marketing group and give away trade secrets to further encourage them to quit Pre-Paid Legal Services and join up with their group.



Nice try pal, but it didn't work then and it won't work now. You were thrown out for that scumbag move. If I had a rubber hose, I'd beat the tar out of you for betraying the trust of friends for profit.

Get lost pal, nothing else you say matters. Integrity my butt....
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#32 Author of original report

FREE YOURSELVES FROM THE PPL MATRIX!!

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

I apologize for the late response. I kinda feel like a bully. This isn't even a fair debate because you all have such a lack of Network Marketing industry knowledge. I've never said I disliked or hated the service. ALL of my comments are directed towards the business ONLY! I am not angry at all, in fact I'm more at peace and excited than I have ever been! My aim here is only to FREE those who are emotionally trapped by the PPL matrix.

In response to Angela B:
*I am not one of the original 3 horseman.
*With your proper PPL training you have become brainwashed and are no longer able to think for yourself.
*If you were truly receiving residuals since 2003 from 2000 business there would have been no need for you to verify ANYTHING with the Corporate Office on 10/10/07. So, all of a sudden you were enlightened about your residuals??
*If you have been involved since 2000 and you have written a significant amount of memeberships I'm sure your debit balance is over $5,000 which means until that number is reduced to $0.00 you WILL NOT and ARE NOT receiving residuals, PERIOD!
*Debit balance explanations are clearly printed in the Success Guide. If Corporate says anything different from what is CLEARLY PRINTED does that mean what is clearly printed is a typo? Isn't that in itself enough to question the 30yr old business opportunity?
*You make excuses for the lack of millionaires created in PPL because its a new idea??? NEW TO WHO?? It's only been available for the last 30+ years in some parts of Canada and most states in the U.S.!
*It's lack of millionaires is due to the product becoming a commodity and its business model having a break-away/chargeback structure.
*You are trained to go and find people better than you correct? Unless they have changed the comp. plan since I left in '05 the PPL model will punish you when doing that because if that person and their organization passes you by your overrides decrease.

I'll bet you never compared other companies to PPL have you? I mean really sat down and looked at the compensation numbers. You were probably trained not to look at anything else and have tunnel vision, put the blinders on, focus, stay on the tracks, right? I know that training well. The numbers don't lie, but people do!

Anyone that tells you not to look at anything else is not confident in there own opportunity and if you listen you have forfeited you right to think for yourself.

Things that make you go HMMMM!
*How can someone in PPL with an organization of 1000 people barely make $1,000 monthly but someone in another NM company with the EXACT same number of people enjoy a multiple six figure income?
*Who in their right mind would sign up with PPL and on day one want "as earned" commissions??? ADVANCED COMMISSIONS ARE ONE OF ONLY TWO REASONS TO EVEN CONSIDER SPENDING YOUR TIME AS A PPL ASSOCIATE!
*Why do you let your emotions override your common sense when it comes to making business decisions?
*Do emotions pay the bills at the end of the day?
*How can PPL have the best compensation plan in the industry when they have so few millionaire earners when compared to countless other documented companies in the industry?

It's time to keep it real with yourself and face the facts. PPL has a decent service with a piss poor business model and you cannot dispute this until you have done your own due diligence within the Network Marketing Industry. I totally understand your passion with PPL, I was there. However, at the end of the day AFTER looking at other companies in the industry and seeing where I could use my energy to build a team of 1000 people or less and earn a multiple six figure income and realistically look people in the eye and know they could do it too meant more to me than my emotional connection with PPL.

USE YOUR BUSINESS MIND, MAKE THE CHANGE.
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#33 Consumer Comment

You Reap What You Sow

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

Do the work, make the money. Simple!

Residuals come to the respectable associates who work hard and believe in the company. I know a local associate who pulls in $8000 in pure residuals during a slow month, and it's pure profit. He takes his payments as-is.

Which brings me to reiterate Angela B's excellent point: you have a CHOICE on whether or not you take advanced commissions! You can just as easily choose to accept commissions "as is"...the money is certainly less up-front, but you also have the peace of mind that your account will never be in the red. It's up to you.

There are crooked associates in any company you can name...and those or people recruited by them are the only ones I see complaining on here. Pre-Paid Legal itself only says you can become a millionaire with their company, just the same as many other legitimate companies...they don't guarantee it.

As for being salesmen, what did you think network marketing was? Do the marketers in all of your "legitimate" companies just sign up and watch the money roll in without another move?

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#34 Consumer Suggestion

More about PPL's "documentary"

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

Unfortunately, I missed the "documentary" about PPL on Court TV. I did, however, see a nice little promo that PPL put together urging its representatives to make sure that prospective clients watched the "documentary."

In this promo, there were a few former attorneys general, the President of "U.S. Commerce" and, of course, Harland Stonecipher.

A quick bit of research showed me that EVERY one of these former AGs, as well as the president of U.S. Commerce, is either on the Board of Directors or the Board of Advisors for PPL. Stonecipher created the damn thing.

Again, documentary, no. Infomercial, yes.
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#35 Consumer Comment

YOUR POST IS DEFINITELY NOT TRUE! I & MANY MANY OTHERS RECIEVE RESIDUALS MONTHLY!

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

_____________
You Wrote: "Do not believe anyone in Pre-Paid Legal that tells you you will recieve residual income in 12 to 36 months. That is a bold-face lie."
_________
I am sorry to say, that YOU ARE TELLING A BOLD FACED LIE. I have been receiving residual income since 2003 when there were 3 year advanced commissions.
___________
You Wrote: "You will incur chargebacks and have a debit balance that insures residual income will never be paid to you. Ask any of the top money earners or your own upline who has been involved for more than 3yrs how much their residual income check was last month or year."
_____________
Chargebacks do happen if someone drops their membership as you must know, But it is definitely untrue that you never see residuals. First of all with proper training you learn to only tell people the truth about the service, it does not need to be oversold which minimizes chargebacks! Writing bad business is what will insure no residuals!

___________

You Wrote: "Don't let them show a check that has their override commission on it. That is only the upfront advanced commission from their team selling memberships for that month. True residual income is the income that comes from all of your personal customers and team customers who continue paying their monthly memberships fees."
________________
After verifying with the Corporate Office today, again you are incorrect. All income received is considered a commission. As you know all Associates are Independent Contractors and all sales are counted this way. Some are now 1 year advanced commissions, and if you chose some are paid as earned (you don't have to get all of the money upfront-an advanced commission). The Associate Commission statement which shows commissions earned includes all earnings together, ADVANCED & RESIDUALS does not separate the two, but you can request a detailed report as to which members you are receiving residuals from. Also, if you are getting paper checks as opposed to direct deposits, the check stub lists the memberships you are being paid advanced & residuals from. Yes it is TRUE RESIDUAL INCOME and I'm getting as well as most of the people who have been around for some time (over 3 years) that I've met. EACH & EVERY MONTH I've been receiving residuals since 2003 from business I wrote in 2000 and later.
____________
You Wrote: "Look at your success guide and read the topic on debit balances. They will never train on that subject locally or at a national convention because they know if people knew that truth their wouldn't be any new associates."
______________
If anyone wants to know how residuals are paid its very easy the Corporate Offices Marketing Services Department will explain in detail any question you have, isn't it better to go directly to the source? PPL is a very open book for those who choose to read it (as opposed to hearing someone disgruntled tell part of the story).
________________
You Wrote: "I quit PPL not because I did not have success because I did. I quit because I could no longer look people in the eye and tell them this opportunity is gonna make your dreams come true.
________________
Your post said they kicked you out of the company, now your saying you quit. If you are the person I have heard about (one of the original 3 horsemen), weren't you removed from the company for simultaneously joining another network marketing company and putting the company trade secrets at risk (which is a violation of the associate agreement)?
_______________
You wrote: "Ask yourself this: If residual income is such a big selling point for people to join network marketing and PPL why doesn't anyone who has been involved long enough to earn it ever share that part of the income in testimonies. They dangle that advanced commission carrot in your face to distract you from the 'real money'."
_______________
Again, I have learned recently of at least 2 associates who died and one who has retired (all in the business for over 3 years )and they are recieving very large residual checks from the thousands of memberships they personally sold.
____________
You Wrote: "Study the industry, I'm not with this company but look at Noni Juice. Since '96 they have created 400 new millionaires (people actually earning $1 million a year)!

Harland Stonecipher in 30 plus years has only created 3! They even try to spin that and make it seem like the millionaire club members earn a million a year! Just like the six-figure ring earners many of whom don't earn six-figures every year!"
_______________
Please, if you are who I think you are I cannot believe you slid that one in there. Health food supplements have been arounf for a long time which gave way for companies today to have great success,but there were many many years of slow sales just like any new idea before someone could break into the industry and make millions. Pre-Paid Legal Services is a very new concept as opposed to health and vitamin supplements. There was no previous company or companies that paved the way for the Affordable Preventive Legal Services product that Harland Stonecipher generously came up with. So we all who study business trends understand that a totally new idea takes years before it becomes a household name.
____________

You Wrote: "Everyone in PPL is just a salesman. Salesmen and women have no leverage. If the top income earners didn't market another membership and decided they were finished and took the next five years off their income would fall faster than a rock from 3,000 feet in the air!"
_____________
If that is true then everyone in any network marketing company is a salesman, including the one you are claiming is better. As a matter of fact most ofthe humans I know who don't even sell for a living are salesmen & women even children (my children try to sell me on what they want to eat...getting dessert before dinner...staying up late) My friends sell me on restuarants they've visited, movies they've seen and they aren't even getting paid for it. My husband sold be on himself and he did a good job of it.

Your frustration with your situation seems to be overriding the logic of your statements. If you are making commission for direct selling actively in any industry your income will be more than if you stop direct selling actively and just live on residuals. But the smart people are working towards leveraging the amount of future income (residuals) that will come when they are ready to retire. Most if not all understand that retirement income is less than active working income, but they are very very happy with the passive income and time freedom it has allowed them. PPL Leaders are the forerunners of teaching the philosphy of writing good business without overselling and keeping memberships on the books which in turn create future pasive residual income.

All of the corporate leaders teach this , and as a matter of fact at every business briefing and training it is FUNDAMENTAL. It is what seperates corporate america from PPL. Any direct sales activeity can attract salesmen & women, but PPL directly promotes the education of what leverage can do for you! You can get paid over and over for something you did right one time!

_______________
You wrote: "I enjoyed the service even though many of my customers didn't (And don't anyone even think about trying to say I wrote bad business because I never wrote bad business!). "
________________
Well, between all of the negativity you promote you have two concrete sentences. The earlier one is that you were very successful in PPL and two is that you enjoyed the service, and you sound like if they wouldn't have kicked you out or found you out you would still be enjoying your success!

_________________
You Wrote: "The fact is from now until forever if people don't use the service they cancel! And guess what? If people use the service they cancel! You will never escape chargebacks they are as sure as taxes. If by some act of God the chargebacks don't get you the debit balance absolutely, positively will! I dare someone to respond to this and say it's not true. Please, I'd love to see how you try to put a spin on this one!!"
_______________
Yes there are always going to be cancellations, but as an educated associate knows that an educated member thinks very hard about cancelling the service just as they think hard about cancelling their health, life and car insurance. As humans we make decisions to do things for various reasons in my time of financial trouble in the late 90's I cancelled my car insurance, health & life insurance because I was very poor I could not afford them not because I didn't see the value in them.

Everyone hasn't been bitten by the chargeback and debit balance bug like you, and maybe because they had a method and system to how they provided constant education to their members. They continue to write new business and they accept that some will keep it some won't do the best you can at sharing the value and never convince someone to get the memberships for a one-time use or to get you a much needed advance commission.

Another way to minimize chargebacks (if not eliminate them) is to not be paid advanced commissions, just get paid as the money is earned. There are many PPL associates who were financially free before they joined the company and don't get advanced commissions! These are all choices that you make when you sign the Associate Agreement and you can change them at any time.

_____________

You Wrote: "Folks that opportunity is dead! I'm not here to promote my business but do anything else but PPL! Please find the books that tell you what to look for before joining a company (Successful Network Marketing for the 21st Century by Rod Nichols). "
_____________
Your bashing of PPL sounds just like when a man & woman break up one or both go around bad mouthing the other so that no one else will want him/her. Your business is dead because you joined another company so why make others not look into PPL for themselves. PPL is for anyone who is willing to spend most of their time working on themselves through personal development and by studying what makes a leader and what makes success... Read Jeff Olsons Slight Edge...again if you've forgotten.
_______________
You Wrote: "Ask yourself another question. If PPL is growing, why have the memberships remained at 1.4 to 1.5 million for the last several years. How many products and services worth their value took over 30 years to be accepted by the mainstream. Wake up people the big money in PPL has already been paid out. Find another opportunity where timing is on your side because in PPL it's over! Hawaii was the last frontier! How many other places in the United States and Canada can you go and successfully market PPL where noone has heard of it? Even if they didn't hear of it, they know someone who knows someone who knows someone who has heard of it."
___________
As a matter of fact when I first looked at the business 8 years ago it had just over 1 million members now it has grown over 400,000 more, and it has already surpassed its growth from last year this same time. I don't know how you calculate growth? but this is significant for a product that only 2 out of 10 housesolds has heard of. Are you serious? In middle-lower class America How long did it take for computers in the household to become a normal thing, what about fax machines, what about health insurance and life insurance?

PPL is ahead of the oversaturation of all of these markets and one day it will be saturated and because my business is willable( I can leave it to my grandchildren) I can't wait to see what 10 years from now will look like and all those who have stuck to it will be the ones who have lived to see little old PPL become just as important to people as LIFE/HEALTH & AUTO. By the way if auto insurance wasn't mandatory I don't think it would be as expensive as it is because people would find alternatives to the high cost like Harland Stonecipher did with Legal Costs!!!
____________

You Wrote: "Did you get into PPL only for advanced commissions? Why do you think so many of the top leaders in the company left? All I have shared are the facts. Challenge your upline to discredit what has been shared. Ask the corporate office about debit balances and how it relates to residual income! I pray you take this seriously before you invest another second or dime into this opportunity!"
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If as you claim top leaders left because they weren't getting residuals, then why are there still hundreds and hundreds of top leaders still here who are getting residuals? Did you ever think it because of the way those so called leaders who left handled their business and production. And if you were once a top leader why did you not encourage people to get paid as the commission is earned over 3 years or one year time as opposed to getting the commisoin advanced? Everyone has that choice. Just like in the real estate market people refinanced their homes and took out the equity upfront so they could buy stuff - cars, furniture jewelry vacations, instead of leaving the equity in for a rainy day and keeping their mortgage payment fixed and low.

Their real estate chargeback is even worse because it not only charges it ruins your credit and that is all foreclosure is a big real estate chargeback! I pray that your anger and malicious intent to slander PPL turns into a time to reflect on yourself and why their are still over 1 million happy members tens of thousands of associates making money and a few of you on Ripoff Report trying to vindictively misrepresent the facts and feed fuel into a dim fire. The best part about a good network marketing company is its educational component and PPL is serious about it, and the best part about PPLis that with over 2700 top rated law firms around the country partnering with PPL and Attorney Generals and other Leaders on the Advisory Committee there are a lot more qualified people in the US & Canada to listen to on the subject of whether PPL is a fraud, scam or anything else.

I think I'd rather side with the 2700 law firms, Attorney Generals, and the US Chamber of Commerce that love what Harland Stonecipher is doing for average people not just in terms of money making, but providing access to security and protection for their families and businesses for a very affordable price. And for that I am grateful and would tell people about PPL even if I never get another check.
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#36 Consumer Suggestion

Documentary?

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

Sarge, Court TV runs infomercials from 4 a.m. to noon on Saturdays (the 29th is a Saturday). Sounds like what you have is less of a "documentary" and more of a "commercial."

As for the endorsements, I can show you commercials wherein actual physicians tout the amazing powers of bogus weight loss pills. Heck, give me $5000 and I'll go on tv and say the Earth is flat.
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#37 Consumer Comment

Associate Reply: There is definitely money-making potential with PPL

AUTHOR: Sarge7us - (U.S.A.)

The comment that there is no chance to make any residual income with this business is simply not true especially considering the documentary about PPL which will be aired on Court TV Seprember 29, 2007 at 10AM EST and 11AM CST. This documentary will feature 4 Attorney Generals as well as the President of U.S. Commerce just to name a few who will be telling 85 million households why they need to have Prepaid Legal services. What more validation is needed? This is the tipping point for PPL and the demand for this service will explode and associates stand to make some serious cash from this.
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#38 UPDATE EX-employee responds

Integrity is correct

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

Integrity
You are absolutelly correct. Any one that mouths off to your calims is lying because they know it is absolutelly true. PPL's advertised membership base is majority from its distributors. The charge backs are super. Especially if you sell the service to people who do not get involved. Heck the people that get involved average 90 days. Yes you might have a very minority stick around for a year or two but eventually they leave as well. Yhe service is advertised good. I have had it for years and I have had to fight to get the service that I deserve. The customer service at their corporation is shameful and the attorneys especially Glant and Glants in Florida dont have a clue about treating the clients correctly. You are absolutelly right no matter what these dips have to say.
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#39 UPDATE Employee

You completely missed the point

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

My point that I was trying to make was that not everyone runs the business the same way. I got the idea of the office from a Platinum 2 ED. It actually works very well and I am a lot more efficient in my task of properly training associates and selling more memberships.

The only downside is that it is basically a 40 hoursfull-time job for me and I can no longer say I work from home. However my associates can say that they do and they have more confidence in selling memberships to people.


As far as Amway is concerned, that's my history and has nothing to do with PPL. I've been involved in a number of network marketing companies and a lot of them needed security. I was good at what I did and I'm glad I don't do it anymore. MLM thug is amusing but it is somewhat accurate. When you're young and someone offers you a lot of money to do 1 hour of security work you'll certainly take it regardless of how dirty your hands get
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#40 UPDATE Employee

You completely missed the point

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

My point that I was trying to make was that not everyone runs the business the same way. I got the idea of the office from a Platinum 2 ED. It actually works very well and I am a lot more efficient in my task of properly training associates and selling more memberships.

The only downside is that it is basically a 40 hoursfull-time job for me and I can no longer say I work from home. However my associates can say that they do and they have more confidence in selling memberships to people.


As far as Amway is concerned, that's my history and has nothing to do with PPL. I've been involved in a number of network marketing companies and a lot of them needed security. I was good at what I did and I'm glad I don't do it anymore. MLM thug is amusing but it is somewhat accurate. When you're young and someone offers you a lot of money to do 1 hour of security work you'll certainly take it regardless of how dirty your hands get
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#41 UPDATE Employee

You completely missed the point

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

My point that I was trying to make was that not everyone runs the business the same way. I got the idea of the office from a Platinum 2 ED. It actually works very well and I am a lot more efficient in my task of properly training associates and selling more memberships.

The only downside is that it is basically a 40 hoursfull-time job for me and I can no longer say I work from home. However my associates can say that they do and they have more confidence in selling memberships to people.


As far as Amway is concerned, that's my history and has nothing to do with PPL. I've been involved in a number of network marketing companies and a lot of them needed security. I was good at what I did and I'm glad I don't do it anymore. MLM thug is amusing but it is somewhat accurate. When you're young and someone offers you a lot of money to do 1 hour of security work you'll certainly take it regardless of how dirty your hands get
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#42 UPDATE Employee

You completely missed the point

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

My point that I was trying to make was that not everyone runs the business the same way. I got the idea of the office from a Platinum 2 ED. It actually works very well and I am a lot more efficient in my task of properly training associates and selling more memberships.

The only downside is that it is basically a 40 hoursfull-time job for me and I can no longer say I work from home. However my associates can say that they do and they have more confidence in selling memberships to people.


As far as Amway is concerned, that's my history and has nothing to do with PPL. I've been involved in a number of network marketing companies and a lot of them needed security. I was good at what I did and I'm glad I don't do it anymore. MLM thug is amusing but it is somewhat accurate. When you're young and someone offers you a lot of money to do 1 hour of security work you'll certainly take it regardless of how dirty your hands get
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#43 UPDATE EX-employee responds

Oh....so you're a wanna-be MLM Thug.

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

Mellvin:

I pray that your commentary and self-fluffed, self-ingratiated "resume" was NOT intended as some lame form of intimidation. In truth, I laughed at it from the word "go".

So, you and your ilk, basically, made distributors feel guilty for not being on "standing order" for training tapes and books and attending every event no matter where it was throughout the country. You sound as if you regret your decision to be involved in this form of strong-arming, on one hand, but you appear to boast of it on the other. Which one is it??

I've learned that the person that hollars the most about their "supposed skills" is the person you listen to and believe the least. That's the windbag. It's that quiet, unassuming, humble person that sit there smiling that you should watch.


:-)
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#44 UPDATE Employee

ExposA....I am indeed that person you think I am.

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

I'm not going to respond to that foulmouth anymore as he has some mental issues but I am or used to be an enforcer for a Diamond under the Britt Foundation back in the 90's.

That's Right. AMWAY.

Technically, I'm not on the books and there will not be a record of it anywhere but I was that person who "assisted in making sure people bought the books, tapes, and other motivational stuff and dealt with those who declined to buy their share or tried to bootleg the merchandise. I also took care of the people who decided to act up, complain about the company, or attempted to disrupt the meetings.

I was paid well to keep those people in line and if they acted up, they got "escorted" out the door. Sometimes they would try to fight back and me and the boys would have to smack 'em up a bit but that rarely happenned as few people were dumb enough to start static. I do feel bad about some of those people nowadays but at the time I was getting paid well and quite honestly I just didn't care.

Basically I was an MLM Bouncer. I was also hired for a number of other major MLM groups. I am well known in the MLM world.

Eventually I picked up on what how they really made their money. The money was made off running those seminars and all those crappy motivational books.

That's why I don't run my businesses like that. When I decided to do MLM I didn't want to do all that mess. That's why I run it my way. And I certainly don't use telemarketing or hire employees.

So you can turn me in if you'd like but they won't do any good. I haven't broken any rules and even if they canned me it wouldn't matter. I'd just move to another company. There's a million MLM's out there and I'll just move my team over. lol. It doesn't matter. Team Krush Groove will still be around.







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#45 UPDATE Employee

ExposA....I am indeed that person you think I am.

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

I'm not going to respond to that foulmouth anymore as he has some mental issues but I am or used to be an enforcer for a Diamond under the Britt Foundation back in the 90's.

That's Right. AMWAY.

Technically, I'm not on the books and there will not be a record of it anywhere but I was that person who "assisted in making sure people bought the books, tapes, and other motivational stuff and dealt with those who declined to buy their share or tried to bootleg the merchandise. I also took care of the people who decided to act up, complain about the company, or attempted to disrupt the meetings.

I was paid well to keep those people in line and if they acted up, they got "escorted" out the door. Sometimes they would try to fight back and me and the boys would have to smack 'em up a bit but that rarely happenned as few people were dumb enough to start static. I do feel bad about some of those people nowadays but at the time I was getting paid well and quite honestly I just didn't care.

Basically I was an MLM Bouncer. I was also hired for a number of other major MLM groups. I am well known in the MLM world.

Eventually I picked up on what how they really made their money. The money was made off running those seminars and all those crappy motivational books.

That's why I don't run my businesses like that. When I decided to do MLM I didn't want to do all that mess. That's why I run it my way. And I certainly don't use telemarketing or hire employees.

So you can turn me in if you'd like but they won't do any good. I haven't broken any rules and even if they canned me it wouldn't matter. I'd just move to another company. There's a million MLM's out there and I'll just move my team over. lol. It doesn't matter. Team Krush Groove will still be around.







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#46 UPDATE Employee

ExposA....I am indeed that person you think I am.

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

I'm not going to respond to that foulmouth anymore as he has some mental issues but I am or used to be an enforcer for a Diamond under the Britt Foundation back in the 90's.

That's Right. AMWAY.

Technically, I'm not on the books and there will not be a record of it anywhere but I was that person who "assisted in making sure people bought the books, tapes, and other motivational stuff and dealt with those who declined to buy their share or tried to bootleg the merchandise. I also took care of the people who decided to act up, complain about the company, or attempted to disrupt the meetings.

I was paid well to keep those people in line and if they acted up, they got "escorted" out the door. Sometimes they would try to fight back and me and the boys would have to smack 'em up a bit but that rarely happenned as few people were dumb enough to start static. I do feel bad about some of those people nowadays but at the time I was getting paid well and quite honestly I just didn't care.

Basically I was an MLM Bouncer. I was also hired for a number of other major MLM groups. I am well known in the MLM world.

Eventually I picked up on what how they really made their money. The money was made off running those seminars and all those crappy motivational books.

That's why I don't run my businesses like that. When I decided to do MLM I didn't want to do all that mess. That's why I run it my way. And I certainly don't use telemarketing or hire employees.

So you can turn me in if you'd like but they won't do any good. I haven't broken any rules and even if they canned me it wouldn't matter. I'd just move to another company. There's a million MLM's out there and I'll just move my team over. lol. It doesn't matter. Team Krush Groove will still be around.







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#47 UPDATE EX-employee responds

Expos

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

Integrity: If you are who I think you are (I'll make a few calls....really, one. I'll call who I think it is and ask). And Melvin...if YOU are who I think you are....I'm going to pull the rug from under you.

Melvin: I met a man online who was signed-on the Michael Baisden board. When I called his number (he had disguised his involvement w/PPL and I wanted to pull the covers from over him), he was using the EXACT SAME language that you're using.

1) He has an office set-up
2) He doesn't follow "the system"
3) He doesn't do 3-way calls
4) He doesn't have PBRs, hotel meetings, sit-downs, etc.

Basically, what this dude told me was that he has an office and his "team" is actually his EMPLOYEES who basically make telemarketing calls for the PPL service!! In my mind, I thought, "How tacky is THAT"?

From what I gathered, he'd been in the business for some time, but recruiting really wasn't his thing. Well, THAT's actually a GOOD THING because what he's doing (listed above) CANNOT be widely duplicated!
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#48 Author of original report

Finally, You Get It!

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

MELVIN MY COMMENTS ARE NOT PULLED OFF! THEY ARE SITTING PRETTY RIGHT ABOVE YOURS!

You're horrified because you finally realized the truth about PPL! You realize no one here believes you and you no longer believe yourself! There is nothing you CAN say after that. The only people needing professional help are those who continue to try and recruit people into PPL after knowing residual income does not exist there AND seeing this report.

Everyone considering PPL. FIRST READ THE ANNUAL REPORT AND UNDERSTAND WHAT A DEBIT BALANCE IS BEFORE JOINING.

I apologize to anyone who was offended by earlier comments made by me. However, when someone tries to RIP YOU OFF it's my responsibility to kill the roach with nuclear bombs when the RAID stops working.

To the drunken master of network marketing, rest in peace!

Integrity
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#49 UPDATE Employee

The Author's Last Comments- Very Foul & Disgusting

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

I saw your response to me and I was horrified at what you wrote before they pulled it off. As far as I'm concerned, I will no longer respond to this thread as you are obviously disturbed.

My friend, you have some serious issues and you may want to contact a counselor or someone to address them. Your problems are FAR BEYOND PRE-PAID LEGAL SERVICES.

Best of luck to you and please seek help as soon as possible.
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#50 Author of original report

PLEASE!

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

You were asked not to? What, you need permission? You think you know. SAY MY NAME! WHO CARES? You really think putting my name on this forum is gonna hurt me or my credibility? _ _ _ _ _ PLEASE!

I've never cheated! I've never lied to any customer! Period! I left and was already making money in another company BEFORE THEY KICKED ME OUT! I was kicked out for telling other associates the truth (backed by documentation) about PPL. This was all backed up with proof that could be read by themselves. ANNUAL REPORT AND THEIR SUCCESS GUIDE!

Since day one, the information I've put on here has been solid. No lies told. No made up stories. My info. can be backed up with documentation. CAN YOURS? Anyone who researches for themselves will see that. And you think for a second I'm ashamed of MY name? _ _ _ _ _ PLEASE!

FOOL, YOU'RE LUCKY I CAN'T PUT SCANNED DOCUMENTS ON THIS FORUM!

Just stick to your other businesses because you're just USING whoever gets tricked into signing up for PPL. If you're just a "groupie" selling group/individual memberships, cool do that. But if you're recruiting, shame on you. You know you are not creating anymore EDs, they're on the decline. Those folks you sign up don't have a chance. Anyone signing up today in that crap is just participating in a revolving door of people with no chance for true residual wealth!

PPL = CHARGEBACK CERTAINTY = DEBIT BALANCE HELL = NO RESIDUAL INCOME =
PROFESSIONAL LIER!

I see you said autoship. That's definitely not a PPL business. Why don't you sign them up for that business?

MAN, DO YOU READ THE ANNUAL REPORT! DID YOU READ ABOUT WHAT A DEBIT BALANCE IS AND HOW IT EFFECTS YOUR RESIDUAL INCOME! AND I'M PSCHYO??!!

You know I'm telling the truth because your rebuttals have become SOFT. Over time, you've been trying to separate yourself from PPL by explaining how YOU run YOUR business differently from all the other WAY MORE SUCCESSFUL ASSOCIATES. Your ways ARE NOT SUCCESSFUL! NO ONE AT THE TOP IN PPL run their business the way Melvin does it.

Dude, throw in your white towel and disappear! Melvin you are embarassing yourself AND your PPL business. Even they want you to stop. I'm exposing you _ _'s for what you are! You and your PPL team sucks, and you know it! Your only holding on because I'm effectively trashing you and your company and your pride and ego are hurt!

I'm taking the responsibility of reporting ripoffs for people who are here looking for the ripoff companies like yours. NOW SHOW THIS ON YOUR DLP! HA!HA!HA!

I thank you again Ripoff Report for allowing me to Ripoff the Ripoffs! HA!HA!HA!

GO AHEAD....SAY MY NAME, SAY MY NAME LIKE DESTINY'S CHILD! HA!HA!HA!
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#51 UPDATE Employee

Infinite Rebuttals??? Wow that's scary!!!

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

Dude, you're beginning to sound a bit psycho now.


Again, I don't run my PPL business like others. I don't rent out hotel rooms, banquents, or convention areas. I operate from a small office and use a public library for training classes which is free. It allows me to maximize my time and be comfortable at the same time as well as run operations on my other businesses. People come to my office from corporate approved newspaper advertising and some simple door hangers and its the same with recruiting. My other associates can simply refer others to my office if they cannot close out a client or potential associate. I also advise them to use the tools that are in place include the website, BLS system, and autoship so they can properly grow their businesses.

You fail to understand that their are more than one way to run your PPL business. Doing three way calls, hotel meetings, and running up on people is not mandatory. As an independent associate, you can run your business the way you see fit as long as you're not copying cds or buying leads off the internet or other stupid stuff that I hear about.


I'll admit that I like to have a nice drink after a long days work but its because I'm depressed but because I enjoy life and I don't waste it moaning and bitching about all the bad things in life. You were kicked out of Pre-Paid Legal for cheating and lying to your customers. I would call out your real name as I've found out who you were but I was asked not to do so.


Take some responsibility in your life. Move on.
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#52 Author of original report

I'VE GOT INFINITE REBUTTALS FOR ANYONE TRYING TO DEFEND THAT CRAPPY BUSINESS

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

I guess I have to DUMB it down for you again, huh Melvin? The Golden Years represent those years in which a company experiences its most rapid growth.

People, according to Melvin there have never been Golden Years in ANY company EVER! I wish you could see me laughing as I type this! If you still don't understand, you'll have to just pull out your Merriam Webster! HA!HA!HA!

I'm sooooo glad you said it for me...do you know what I'm talking about? Of course not! Melvin, these are your words: "There are only good salesman and bad salesman and I am pretty damn good at what I do."

People in his company you have to SELL TALL TALES to succeed. Which means you LIE or REGURGITATE information without checking the facts. I can't tell your good. You just blow alot of smoke! I DARE YOU to show our conversations to your team (if you even have one). If you have a team left after these comments that'll prove to me that if you are an ED then you do all the work yourself to get there and have ABSOLUTELY NO LEVERAGE WHATSOEVER!

Besides who gets into this business wanting to be a salesman except salesman! Which is why ladies and gents you SHOULD NOT EVEN CONSIDER PRE-PAID LEGAL SERVICES, INC. BECAUSE THAT IS ALL YOU WILL BE IN THAT COMPANY, A FREAKIN' SALESMAN. IT'S SATURATED MELVIN. ITS OVER...OVER...OVER..YOU'RE TOO LATE!

Cut your losses and go find your 4TH COMPANY! HA!HA!

I could go sell Saturns and make more money than you do at ED in PPL! Why bother renting banquet rooms, traveling all over and lying to people all day for ED money!

PEOPLE THAT'S WHY HE DRINKS SO MUCH, THE STRESS OF IT ALL DEPRESSES HIM!
FORGET ABOUT TRYING TO MASTER NETWORK MARKETING, MASTER SOBRIETY! HA!HA!HA!

Melvin if you put these comments on your DLP you'd probably have to stop training, wouldn't you?

REMEMBER, I'VE GOT INFINITE REBUTTALS FOR ANYONE TRYING TO DEFEND THAT CRAPPY BUSINESS PPL!

RIPOFF REPORT THANKS FOR THE OPPORTUNITY TO RIPOFF THE RIPOFFS!
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#53 UPDATE Employee

Stop crying like a pregnant woman, get some Xanax or some Prozac

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

There were never any golden years in ANY network marketing company. There are only good salesman and bad salesman and I am pretty damn good at what I do. I am the excellence of execution and I've been in a top position in 3 different companies.

I could care less about the history or who left or who failed at the company. They failed for the same reason that you did. Because they were failures themselves as a person.

My whole team could crash and burn the next day and PPL can go out of business but I'll still be knocking down drinks at the bar and throwing dollar bills at the strippers. The system I use is fully adaptable to any network marketing company and all I would have to do is change one little link on my website, buy some new brochures and ad material and I'm back in business.


That is how good I am because I mastered network marketing, not PPL. I was selling memberships and associates before I even knew what a PBR was and I still haven't ever done one. The only thing I do is train and I train my folks how to properly use the corporate material to its full advantage


Remember, its not the business. Its the marketing strategy you use. Now stop moaning like a little girl and move on. If you say your business is the stink, then don't worry about what I have to say.
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#54 UPDATE Employee

Stop crying like a pregnant woman, get some Xanax or some Prozac

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

There were never any golden years in ANY network marketing company. There are only good salesman and bad salesman and I am pretty damn good at what I do. I am the excellence of execution and I've been in a top position in 3 different companies.

I could care less about the history or who left or who failed at the company. They failed for the same reason that you did. Because they were failures themselves as a person.

My whole team could crash and burn the next day and PPL can go out of business but I'll still be knocking down drinks at the bar and throwing dollar bills at the strippers. The system I use is fully adaptable to any network marketing company and all I would have to do is change one little link on my website, buy some new brochures and ad material and I'm back in business.


That is how good I am because I mastered network marketing, not PPL. I was selling memberships and associates before I even knew what a PBR was and I still haven't ever done one. The only thing I do is train and I train my folks how to properly use the corporate material to its full advantage


Remember, its not the business. Its the marketing strategy you use. Now stop moaning like a little girl and move on. If you say your business is the stink, then don't worry about what I have to say.
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#55 UPDATE Employee

Stop crying like a pregnant woman, get some Xanax or some Prozac

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

There were never any golden years in ANY network marketing company. There are only good salesman and bad salesman and I am pretty damn good at what I do. I am the excellence of execution and I've been in a top position in 3 different companies.

I could care less about the history or who left or who failed at the company. They failed for the same reason that you did. Because they were failures themselves as a person.

My whole team could crash and burn the next day and PPL can go out of business but I'll still be knocking down drinks at the bar and throwing dollar bills at the strippers. The system I use is fully adaptable to any network marketing company and all I would have to do is change one little link on my website, buy some new brochures and ad material and I'm back in business.


That is how good I am because I mastered network marketing, not PPL. I was selling memberships and associates before I even knew what a PBR was and I still haven't ever done one. The only thing I do is train and I train my folks how to properly use the corporate material to its full advantage


Remember, its not the business. Its the marketing strategy you use. Now stop moaning like a little girl and move on. If you say your business is the stink, then don't worry about what I have to say.
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#56 UPDATE Employee

Stop crying like a pregnant woman, get some Xanax or some Prozac

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

There were never any golden years in ANY network marketing company. There are only good salesman and bad salesman and I am pretty damn good at what I do. I am the excellence of execution and I've been in a top position in 3 different companies.

I could care less about the history or who left or who failed at the company. They failed for the same reason that you did. Because they were failures themselves as a person.

My whole team could crash and burn the next day and PPL can go out of business but I'll still be knocking down drinks at the bar and throwing dollar bills at the strippers. The system I use is fully adaptable to any network marketing company and all I would have to do is change one little link on my website, buy some new brochures and ad material and I'm back in business.


That is how good I am because I mastered network marketing, not PPL. I was selling memberships and associates before I even knew what a PBR was and I still haven't ever done one. The only thing I do is train and I train my folks how to properly use the corporate material to its full advantage


Remember, its not the business. Its the marketing strategy you use. Now stop moaning like a little girl and move on. If you say your business is the stink, then don't worry about what I have to say.
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#57 Author of original report

At this point, your just killing your business by responding.

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

Melvin you are not successful in PPL, that's why you don't get anything I've shared. STOP LYING!! You also don't READ from top to bottom and that's evident by your nonsense rebuttals.

You claim to use your own marketing tactics? For what? Why would you try and reinvent the wheel at PPL unless their wheel is broken? Hmmm.

Melvin face it, you're leading your team off a cliff. Your timing of joining PPL is terrible. It's over. The Golden Years for PPL were '98 to '03. You missed it. You don't know the top earners that left because you are not plugged into the company.

HOW COULD YOU HAVE BEEN AT PPL FOR 2 YEARS AND NOT KNOW OF THE TOP EARNERS WHO HAVE LEFT? SEE PEOPLE, HE LIES! THEN AGAIN, YOUR UPLINE PROBABLY HID THOSE LITTLE DETAILS FROM YOU. YOU ARE JUST A COPY OF HIM/HER WITH LESS MONEY AND LIFESTYLE. YOU CAN'T HAVE MUCH OF LIFESTYLE IN PPL IF YOU'RE ONLY MAKING ED MONEY MELVIN (FOLKS THAT AIN'T NOTHING BUT THE TRUTH).

I told you I've found another company. I've never whined on this forum. I'm just giving people something to think about before joining your PPL business. Your only in the United States and Canada. Every major city in both countries have already been saturated with PPL. PPL is over 35yrs old. Check the numbers because they don't lie like you. Six-figure ring earners and ED's are all on the decline like the stock! Hawaii is your last frontier. Unless you are a part of _ _ _ _ _ _ _ _ _'s team you aren't getting a bit of Hawaii.

How much more information do you need Melvin? Don't make me name names. I don't want to do that. I know, you are trying to protect the little money you can make off hand-to-hand membership sales. You don't really build a team anymore do you?
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#58 UPDATE Employee

The Sky is Falling But Chicken Little's at The Bar Having a Drink With Me

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

So, I'm going to be the cause of the Apocolypse right??? Ummmm...Ok

If you think I tell my associates to go around and hand out a book or DVD to every walking man alive, I don't think I would have been successful. I utilize my own marketing tactics which bring in the memberships, keeps them on the books, and saves a lot of time and fustration. Sorry if that was the way you did the business but I'm not some Joe Schmoe or etc.

I'm not aware of the people who you've stated have left millionaire lifestyles and etc. I didn't know that someone would stop being a millionaire if they left Pre-Paid Legal. lol If they left, then that's their business. I don't hear them whining like you are

And yes, I do have a few stocks but nothing to write home about. I mainly work the Forex Market so I could care less.


Again, you are stating no facts. Just another day of crying and moaning about your actions that got you kicked out. There are a number of other opportunities so find you one. And change your diapers while you're at it.


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#59 Author of original report

HERE'S THE PPL CAREER ENDER!

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

I hope you have a plan for life after Pre-Paid Melvin.

Why you mention your very large marketing company and nutritional consulting company is beyond me because this forum is about a terrible Network Marketing opportunity called Pre-Paid Legal Services. One has ABSOLUTELY NOTHING TO DO WITH THE OTHER! LOL!

Are you a stock holder?? I'd bet you never show people the ANNUAL REPORT in your trainings.

WHY NOT SHOW IT? YOU COULD SHUT ME UP FOREVER THEN! THE GREAT BUSINESS IT IS IS SHOWN ALL THROUGH THOSE PAGES AREN'T THEY MELVIN?
THE ANNUAL REPORT SHOWS EXACTLY HOW MANY PEOPLE CANCEL EVERY YEAR!!

EVERYONE WHO IS A PART OF PRE-PAID LEGAL SERVICES, INC. READING THIS, READ THE ANNUAL REPORT. COMPARE WHAT'S IN THE REPORT TO WHAT YOU HAVE BEEN TRAINED ON BY HIGH LEVEL ASSOCIATES IN THE COMPANY!

AT YOUR NEXT CONVENTION, ASK HARLAND STONECEIPHER WHAT YOUR CHANCES ARE FOR BRINGING YOUR DEBIT BALANCES DOWN TO ZERO!

RIPOFF REPORT READERS: OVER THE LAST 3-4YRS PRE-PAID LEGAL SERVICES, INC. HAS LOST SOME OF ITS MOST PROMINENT AND SUCCESSFUL ASSOCIATES DUE TO EVERYTHING I HAVE SHARED ON THIS SITE.

PEOPLE ARE WALKING AWAY FROM MULTIPLE SIX-FIGURE INCOMES, MILLIONAIRE STATUS, COMFORTABLE LIFESTYLES AND TONS OF RESPECT WITHIN THE COMPANY BECAUSE OF THE LACK OF INTEGRITY AT PPL.

MELVIN IS DISCONNECTED AND SO LOW ON THE TOTEM POLE HE DOESN'T HAVE THIS INFORMATION....HE HAS ACCESS TO IT BUT HE HAS GIVEN UP HIS FREEDOM OF THOUGHT AND SETTLES FOR BELIEVING WHATEVER HIS UPLINE TELLS HIM.

NEVER, EVER BE LIKE THAT IN THIS BUSINESS! ALWAYS ASK QUESTIONS!

You can give out as many DVDs, books, and a brochures as you want those people are still gonna cancel their membership and your "REAL RESIDUAL INCOME."

People, Melvin is regurgitating what he is trained to say and do when an insider like me with integrity finally stops and gets the facts about the company they are a part of and shares this information with everyone.

Melvin, the smartest thing you are doing is keeping your other businesses going and you and I know why. Unfortunately everyone in your downline doesn't have other businesses and that's what makes your involvement tragic.

You will become the reason people lose their homes, cars, jobs and self esteem! It's amazing that you can sleep at night participating with such a scam.

I sleep much better now that I no longer encourage people to join the PPL business. Scam artist don't care who they hurt as long as those advanced commissions keep coming in.

MELVIN STOP LYING TO ALL THOSE INNOCENT PEOPLE IN YOUR GROUP!!

I WOULD INTRODUCE YOU TO MY NEW COMPANY BUT WE DISCRIMINATE AGAINST PEOPLE WITHOUT MORALS! SORRY!

GO AHEAD......I KNOW YOU WANT TO SCREAM IT....NO MAS! NO MAS! NO MAS! LOL!
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#60 UPDATE Employee

We don't need no stinking bandages...

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

Actually, I have been in the company for 2 years now as an Executive Director. Ooops, I forgot to mention it, sorry bout that. I'm also run a very large marketing company as well as a nutritional consulting service center (Not MLM).


The reason I've ignored most of your comments is because they aren't questions, they are just some crying and moaning


You were kicked out for telling the truth about the compensation plan??? So the money made isn't spelled out any clearly regarding advance commissions and residual income. Its no different than the life insurance business.


And yes, its about selling the membership but its more about marketing the membership and building a network of sales associates to make a residual income...
THUS THE TERM.....NETWORK MARKETING

Honestly, if you can't hack it in network marketing, then go get a regular job somewhere. A lot of people are not meant to do it anyway.

As far as chargebacks are concerned, if a person cancels in a week then you obviously haven't done your job. I always give a DVD, book, and a brochure to all prospects and when they sign up, I give them a temp kit and help them prepare their will. If you do all of that, then you will have a much higher retention rate. Underpromise and Overdeliver



Seriously, I'd suggest you getting your life together. You are no longer in the company....so what...its not the end of the world. If I was kicked out, then I would move on. Life is too short and I'm much too old for diapers.


I'll tell the bartender to leave the taps on for you.
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#61 UPDATE EX-employee responds

Melvin's still talking out the side of his neck...here's a bandage!

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

First of all, I didn't fail at PPL. Secondly, I quit building the business first. I then was kicked out because I started to tell people the truth about the company's compensation plan.

I continued endorsing the membership but could not endorse the business opportunity after finding out the TRUTH about the business.

Are you a PPL associate?

If not, then showing my comments was a complete waste of you and your teams training time. Your team would have no clue about the SPECIFIC comments I made about the company so how could they relate. AGAIN, YOU ARE NOT QUALIFIED TO RESPOND!

Then again, being the drunk that you are maybe they did relate and you didn't realize they were laughing AT YOU! LOL.

You try to attack my integrity without knowing me! Stupid, yet again! Being the professional I am, what do I care about name calling and laughing? That's an everyday part of this business. You have an obvious case of the blind leading the blind.

Melvin, you're really boring me. As I said before, join the company, then we can have a discussion. You obviously don't understand my comments because you are not at the superstar level you claim to be at.

You are the true fraud on this forum. Your comments have NO weight or substance to them at all. All of your responses have just been emotional fits. When people read our comments line for line who is gonna respect anything you've shared here. I've shared nothing but facts.

Melvin, this is the Ripoff Report. Keyword being REPORT. That means Melvin, relaying FACTS. That means taking time to gather information. How much time have you spent gathering information?

Melvin, nobody here cares about your opinions. Nobody here cares what you think. Since I share facts I will always be able to consistently rip your rebuttals to shreds! If you have a team and your real name is Melvin you better hope they never find out about this site because you won't have much of a team left if they do!

People, Melvin has not answered one question from my comments on White Russian Stupor! At this point, he is just WWF entertainment! ALL FAKE! LOL! Just enjoy his show for what it is, a show. He is embarassing for Network Marketing if he is really involved in it.
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#62 UPDATE Employee

I'm not putting down my White Russian, in fact, I'll have another one along with a shot of Whiskey

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

You failed at Pre-Paid Legal Services because you are obviously a scam artist who thought he could tell a pack of lies to people to make money and you were kicked to the curve ready for the garbage man to haul

Again, if you are honest and upfront about the membership, then you don't have to worry so much about chargebacks.

Fact is you wrote bad business obviously and when you got caught, you tried to blame others for it.

If you're so impressed with Noni Juice and its 400 millionaires, then go sell some and maybe you'll become 401....lol



BTW...I showed my team a copy of your comments on the DLP projector at one of my training classes and everyone broke out laughing in complete hysteria as to how pathetic you were. I would tell you what they said about you, but I don't think you'd like to know. But it was pretty bad


Ripoff Report, I love you guys. Keep them folks coming. And this should be a lesson to anyone wanting to cheat the system. If you lie, cheat and steal...it will always come back on ya.
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#63 Author of original report

I'm so glad you shared your (false) residual statement

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

Thank you so much for sharing your income statement! This is precisely why people need to run from PPL ASAP! Not because your income is low but because of your confusion as to what "real residual income" is.

Steve, what you shared was not residual income. It is simply your income earned from the "new" sales of the team you left behind in 2002 which again, is advanced commissions.

You see Steve, "Residual Income" is the term used in network marketing to describe income received periodically for services rendered in the PAST. As an example, Mary becomes a distributor in the Good Insurance Company. She services many customers who remain in the books for a period of time. After a certain period of time, depending on the company, Mary receives a percentage of the premium or plan from whatever customers sign under her umbrella of business. If Mary goes out and services 1,000 customers and she gets 25% of whatever her price of the service cost, (let's say 40 dollars for conversation sake) Mary would receive 10,000 dollars per month whether or not she is working. SHE IS GETTING PAID FOR ALL THE MEMBERSHIPS SHE HAS MARKETED IN THE PAST, NOT THE PRESENT.

Math = 25% of 40 = 10 residual income base x 1,000 memberships = 10,000 dollars monthly = 120,000 dollars annually for no work rendered but for all the previous work rendered for whatever period of time she has worked in the company.

Steve your statement shows that you have been paid from memeberships during those months in the PRESENT. You need to find out how many memberships you currently have on the books that are at least 1yr old then find out what you are paid from those OLD MEMBERSHIPS. Then you can write back with more accurate information regarding your residual income.

Also your income is up and down. Red flags should go up! If you were not getting chargebacks wouldn't your income consistently get higher or stay at the same level? There are alot of months where there is no income earned in your statement. What happened there? Chargebacks! Cancellations! If you were really getting "residual" commissions you would get them EVERY month according to PPL's compensation plan.

Man, I've been there. I know exactly what I'm talking about. There isn't anyone you know that can dispute anything I've shared on this forum. Harland Stonceipher can't dispute this! Steve just enjoy the money you are able to get in advanced commissions because that's all that's available.

I hope you don't think your experience is the norm in that company. If you're a stock holder, read your prospectus. According to the 2005 prospectus, out of 468,365 "vested" associates only 11,221 associates sold more than ten memberships. I know this is 2007 but I dare someone to show the 2006 numbers that show much of a difference.

I hope this has clarified "residual income" for you.

Integrity
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#64 Consumer Comment

You Don't Recieve Residuals? Come On....

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

Here are my residuals. I joined PPL back in 2002 and haven't done a thing since, and here are my residual numbers from their website, which I copied (Note the residual balance so I don't get hit with chargebacks). This money is earned as well.

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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#65 Consumer Comment

You Don't Recieve Residuals? Come On....

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

Here are my residuals. I joined PPL back in 2002 and haven't done a thing since, and here are my residual numbers from their website, which I copied (Note the residual balance so I don't get hit with chargebacks). This money is earned as well.

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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#66 Consumer Comment

You Don't Recieve Residuals? Come On....

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

Here are my residuals. I joined PPL back in 2002 and haven't done a thing since, and here are my residual numbers from their website, which I copied (Note the residual balance so I don't get hit with chargebacks). This money is earned as well.

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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#67 Consumer Comment

You Don't Recieve Residuals? Come On....

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

Here are my residuals. I joined PPL back in 2002 and haven't done a thing since, and here are my residual numbers from their website, which I copied (Note the residual balance so I don't get hit with chargebacks). This money is earned as well.

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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#68 Author of original report

White Russian Stupor

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

Put down the White Russian have some water to sober up and pay attention.

It's very obvious that you have never seen or been in Pre-Paid Legal Services. You are not even qualified to respond to this report.

I will dumb this down for you and everyone else so that noone responds to this report talking out the side of their neck!

Fact: Juice company with a 10yr history created 400, million dollar per year earners. Legal service company with a 35yr history created 3, million dollar per year earners.

Fact: A million dollars on your 1099 is a million dollars on your 1099.

With your theory, if a million dollars isn't a million dollars doesn't that also mean that $500k isn't $500k?! Is $100k not $100k? Is $60k not $60k? Dude, you really should have thought this through.

If its true that you have to sell $5 million worth of products to earn a million who cares! If you are handling your business right YOU aren't selling $5 million worth of products, you and YOUR TEAM are!

Fact: Chargebacks are not standard in all companies.

Dude, where do you get your information? You make a chargeback sound like a simple return of clothing in a retail store.

Chargeback: You sell product to me. Company pays you for sale. I cancel the product in one week. You sale product again to someone else. Now because I canceled the product you now owe the company so when you made that last sale to someone else your commission goes to the company to pay back the debt you owe.

How do you like working for free? I've been there and done that for 5yrs so I know what I'm talking about. All my comments are based on my experiences and the experiences of others within the company.

Want proof? Want some facts for yourself? Join PPL for 90 days and see what happens! Since you know how to make money you can afford it, your wealthy right? Ask the company about the questions and concerns in these reports that you have read! I'd love to see if you think chargebacks are still no big deal!

The company I'm currently with has NO chargebacks! I'm strictly paid from the consumption of product in my organization. I never have to work for free and nor does anyone on my team!

Dream stealing? What I'm doing is giving warnings so that noone fools themselves into thinking they can join PPL in 2007 and make millions in a 35yr old company with only 2 service based products available. I mean how many "real facts" do you need. Again, join the company and then tell me I'm wrong!

People listen. Every company has its pros and cons in the compensation plan. Just do your research BEFORE you voice your opinion to this report so that noone mistakes you for being in a White Russian stupor.

I welcome your retort.
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#69 Consumer Comment

Oh man!!!!

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


I won't give my full name but basically I was one of the most rowdiest network marketers in another famous company. I acted just like my last name is in being drunk, wild, and wealthy and my exploits are pretty legendary. Normally I would curse you out and call names but I can't do that up here so I'll stay professional.....for now of course.

Now I just back into Network Marketing last year after I took a long vacation to take advantage of another business opportunity "namely Ebay" making a lot of money and becoming a Powerseller in the process. So I know how to make money.

But enough about me, lets break this down like a Lego


First off, Noni Juice may have 400 millionaires but most nutritional MLM's have a shelf life of 2 years. Same with Goji, Mangosteen, Coral Calcium, and other 50 dollar Kool-Aid Drinks. I would rather make 500,000 a year for 10 years than make 1 million for 2 year. Basically I call those a white dwarf MLM's. Next year there will be another fruit of the year....hopefully a super enhanced prune juice because it helps out with my bowel movements.

Also a million dollars isn't always a million dollars, In order to make one million dollars, you have to sell at least 5 million worth of product based on figures. In order for an basic level associate to make 103 dollars, he can hand someone a 10 cent brochure and maybe explain it to them. You can make a million but did you spend more to make it???


Chargebacks are actually standard in all companies so whats the big deal. If someone buys a bottle of Noni Juice and they return it then its a chargeback isn't it. People bring back stuff all the time to stores. If you're in any time of business, you can expect a chargeback at one point or another. Chargebacks will happen more often if you are not an honest person. Its really all about the person and my success in any business was the fact that I was honest, didn't lie to people, or spin any tall tales. I undersold and overdeveloped.


Then there's your conspiracy theories but I won't even address all of them because it doesn't matter. If you're business opportunity doesn't work....move on. Not everything works for everyone.



You shared no real facts or proof. This tale you're spinning just doesn't add up. And if you got kicked out of a network marketing company which is actually very hard to do, then you must have done some dastardly stuff. In either case, its all the same. If you get kicked out....move your big butt on.




Folks, if you feel that an opportunity is something that you can be successful at then you are obligated to give it that old college try (Or High School if you never went). If you fail, dust yourself off and try again. This person is a clear example of a dream stealer. Someone stole her dreams and now they want to steal yours. Stay away from people like that





That's all I have to say right now because I'm going to make myself a White Russian and go to bed. And I will be around here more often so watch out!!!


The Drunken Master of Network Marketing is Back!!!
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