• Report: #155776

Complaint Review: Pre-Paid Legal

  • Submitted: Thu, September 01, 2005
  • Updated: Sat, February 25, 2012

  • Reported By:Vallejo California
Pre-Paid Legal
http://www.prepaidlegal.com Internet U.S.A.

Pre-Paid Legal What are Associates Really Earning on Pre-Paid Legal MLM?? RIPOFF Internet

*Consumer Suggestion: PrePaid Legal

*Consumer Comment: lead with identity theft...those meetings are

*REBUTTAL Owner of company: PrePaid Legal

*General Comment: Your own business?

*Consumer Comment: PRE PAID LEGAL DROWNING THE REAL STORY

*Consumer Comment: You are smart to question your thoughts

*REBUTTAL Owner of company: Calm Down

*UPDATE Employee: who needs an attorney marc?

*UPDATE Employee: Henry it's a law in Europe is why_

*UPDATE Employee: In regards to your money speculation

*UPDATE Employee: Plain and Simple Not Everyone Can Do It

*Consumer Comment: Income potential with Prepaid Legal: thoughts and comments

*UPDATE Employee: Realistic Goals

*UPDATE EX-employee responds: Still a member, no longer sell...

*Consumer Comment: Pre-paid legal rewards those who will work for what they want

*Consumer Comment: PPL has been EXCELLENT for me.

*Consumer Comment: PPL has been EXCELLENT for me.

*Consumer Comment: PPL has been EXCELLENT for me.

*Consumer Comment: PPL has been EXCELLENT for me.

*Consumer Comment: I've had a great experience as a member (not associate) of Prepaid Legal.

*Consumer Comment: I've had a great experience as a member (not associate) of Prepaid Legal.

*Consumer Comment: I've had a great experience as a member (not associate) of Prepaid Legal.

*Consumer Comment: I've had a great experience as a member (not associate) of Prepaid Legal.

*UPDATE EX-employee responds: The funniest thing is...

*Consumer Suggestion: PPL? PLZ!!!

*Consumer Comment: Sorry to disappoint you Sidney

*Consumer Suggestion: OK people...Lets try staying ON TOPIC and POSTING properly, category etc.. PLEASE!!

*UPDATE Employee: Great company...

*Consumer Comment: No thanks

*UPDATE Employee: Thanks, Robert

*Consumer Comment: Just wonderful, Sidney

*Consumer Comment: Just wonderful, Sidney

*Consumer Comment: Just wonderful, Sidney

*Consumer Comment: Just wonderful, Sidney

*UPDATE Employee: Few Answers plus assistance if neede

*Consumer Comment: Try and pay attention in class, Aaron

*UPDATE Employee: Different plans have different benefits and it's important to fully understand them.

*Consumer Comment: How much did you pay for your PPL package

*Consumer Comment: How much did you pay for your PPL package

*Consumer Suggestion: To Robert in FLA.

*UPDATE Employee: not exactly a part time job

*UPDATE Employee: Third Party Credibility

*Consumer Comment: several thoughts

*UPDATE Employee: My Title I Experiences

*UPDATE Employee: My opinion

*UPDATE EX-employee responds: Such is MLM Life

*Consumer Comment: It Is Very Legit

*Consumer Suggestion: My two cents..

*Consumer Comment: Pure brilliance Edwin

*Consumer Suggestion: rip off ? or not.

*Consumer Comment: Nicole - Cleveland, Ohio - Can you say "predatory lending", "loan sharking", etc.?

*Consumer Comment: Nicole - Cleveland, Ohio - Can you say "predatory lending", "loan sharking", etc.?

*Consumer Comment: Nicole - Cleveland, Ohio - Can you say "predatory lending", "loan sharking", etc.?

*Consumer Suggestion: EX ppl customer and associate. Big Mistake.

*Consumer Comment: What is it really worth?

*Consumer Comment: You have to love this PPL nonsense

*Consumer Comment: You have to love this PPL nonsense

*Consumer Comment: You have to love this PPL nonsense

*Consumer Comment: You have to love this PPL nonsense

*UPDATE Employee: To fully use a pre-paid legal plan, you must understand the value of counsel and advice.

*Consumer Comment: PPL- worth every penny...

*Consumer Comment: I had Prepaid Legal - once

*UPDATE Employee: Talk about a company only after you have researched it throughly!

*Consumer Comment: SHOW ME THE SCAM? PLEASE!

*Consumer Suggestion: A few comments...

*Consumer Comment: member testimony

*UPDATE Employee: To all PPL associates

*Consumer Comment: Who buys prepaid legal?

*Consumer Comment: I'd like to hear from people who bought PPL

*Consumer Comment: PPL Business

*UPDATE Employee: I Am An Independent Associate With Pre-Paid Legal

*UPDATE Employee: WHY ARE YOU WASTING YOUR TIME WITH THESE PEOPLE?

*Consumer Comment: Glad you like me Salvatore

*Consumer Comment: As always robert, with everything, its not for EVERYONE

*Consumer Comment: VOLCANO INSURANCE FOR SALE!!!

*Consumer Comment: Good for you Denny

*Consumer Comment: Robert, coming to a ripoff site wont get you the answers you want

*Consumer Comment: Go sell your Volcano Insurance Salvatore

*Consumer Comment: SORRY IF I HIT A NERVE, TIM...

*Consumer Comment: Another zealous, but brainless PPL shill

*Consumer Comment: YES HENRY, THEY ARE EVRYWHERE...

*UPDATE Employee: Idiots are everywhere

*Consumer Comment: Wrong as aways Salvatore

*Consumer Comment: COMMON SENSE ISN'T VERY COMMON THESE DAYS...

*Consumer Comment: The stories I could tell...

*Consumer Comment: WELL, THAT'S JUST GREAT TIMOTHY!

*Consumer Comment: Enough with the B.S. - Answer the question!

*Consumer Comment: WELL LORI...

*Consumer Comment: WELL LORI...

*Consumer Comment: WELL LORI...

*UPDATE Employee: Depends on how he is doing and what his downline members are doing

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I fell upon this site when searching for more information concerning Associates signed up to sell the plan. My boyfriend is convinced that by selling 49 memberships, recruiting 4-5 people who sell 100 memberships each, he will be make upwards of $50,000 in six months. He started this 4 months ago. He goes to twice-a-week meetings, has a mentor, has weekly conference calls, has attended three conferences, et cetera. He has sold 2 memberships, and has recruited 1 person who has not sold any memberships. He is CONVINCED that it is possible for him to make $12,000 month in a year.

I put everything on a spreadsheet. I don't see how he can make $50,000/year, let alone $12,000/month!

I've watched the DVD that touts the benefits of having the membership, but for Associates, it repeatedly talks about BIG MONEY, sales, sales, sales. That's okay. But pushing the pyramid-style payment schedule has me extremely concerned. I have never seen him enter into anything without fully researching and understanding what it entails. But with this program, he jumped both feet just based on one meeting a watching this DVD.

I fear he's in for a huge let-down. Reading through these threads I see Associates saying they're happy, but there isn't one person that states what they've made in the first month, in six months, not even in a year or five. That tells me they are not earning what they expected they'd earned when they signed up to market the memberships.

So I'm reaching out to ask Associates what they really make. Thank you!

Lori
Vallejo, California
U.S.A.

This report was posted on Ripoff Report on 09/01/2005 11:42 PM and is a permanent record located here: http://www.ripoffreport.com/r/Pre-Paid-Legal/internet/Pre-Paid-Legal-What-are-Associates-Really-Earning-on-Pre-Paid-Legal-MLM-RIPOFF-Internet-155776. 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

PrePaid Legal

AUTHOR: Erick - (United States of America)

To the gentleman that was a truck driver.

The PPL plan is by individuals as a offered as a Benefit. Sometimes the company will pay it otherwise it would be a Payroll Deduct. Was this a Payroll Deduct from your wages?

If it was and PPL refused to represent you, you obviously let it drop and NO INSURANCE company no matter how good will cover your costs.

Your insurance co only covers DAMAGES not criminal.

PPL covers you in the event you get filed on and IF it's not your fault and you are current with Vehicle Insurance not drunk or under the influence of drugs and even if youare you would have legal representation.

Not knowing ALL  the information I can only tell you your PPL Plan is portable IF you leave the company. Did you know that?
Did you inquire.

Sometimes we have to take responsibility for our lack of actions.
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#2 Consumer Comment

lead with identity theft...those meetings are

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

just pep raleys...krolls idt plan is unique because it offers identity restoration if your identity ever gets stolen...show the stats in how much that can cost u and get stories of how idt has cost people their lives....ge group certified so u can go into businesses and talk to employees about the benefits of the plan,,,,by going into a business then the employees will know legal shield is legit by their employer allowing thm in....selllllll the idt plan since idt is so well publisized and include the legal plan for a total of $26.95 per month....show people that their identity is at the descretion of even an employer if their system gets hacked.....gather member stories and horror stories....and a sell alot of the time isnt made upon one meeting with a person...come up with excuses to revisit that person....get them an IDT book of stories and lend it to them...tell them its the only one u have and youll be in their area again doing a presentation,,,,can i pick it up from u when i come back? persistence...3 attempts on different days at a person and if nothing then...stop waisting time and add them on a social network site for them to keep dibs on u later on so u can let them come to u later on when needed
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#3 REBUTTAL Owner of company

PrePaid Legal

AUTHOR: Erick - (United States of America)

It doesn't matter what you sell or who you represent, no company is perfect!  What ever we do in life we must put in an effort!

I don't care if you are selling ice to eskimos.  Some will! Some won't! So what somewhere, some will!

My point here is this MLM or not you that have a job and work for a salary look to move up! You have a President, VP, CEO, COO, CIO. If you produce you are Promoted, right?  We agree on that? 

Any legitimate business does not operate w/out Insurance!

You have a house, car, family. You can't house or a car without insurance to protect the Banks interest, correct?  So what's wrong with helping people to have access to protecting their Civil Rights? Many just throw out the window when they go to court.

To the attorney you will get paid for that client once, while we get paid residual for as long as tht person keeps PPL membership.

Once you represent the client in court one time maybe twice IF they have the money you'll get paid.

We have many lawyers tht sell PPL because they see the benefits.  Obviously you see the benefit to providing legal representation, however you get paid one time!

Our lawyers receive residual monthly by doing this as a business.

As I stated earlier no company is perfect not even the court system!  But we still use them.  Did you ever have your phone drop a call?  Did you cancel the service? Probably not!

Anytjhing one does you have to knock to get the door answered!  Have a great day! <(((><
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#4 General Comment

Your own business?

AUTHOR: Phillip - (United States of America)

Daniel, how can you call it your own business when your money is filtered up the ladder to other people. That's not "your business", that's you supporting someone who actually does own the business. It seems to me more so that you're an employee feeding someone else, and everyone you bring on will also be feeding the person at the top. It's his business.
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#5 Consumer Comment

PRE PAID LEGAL DROWNING THE REAL STORY

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

You are smart to question your thoughts. PPL is a big hype. I put 150 people in total in to this business once and it is after you put your heart and soul in to it to reach these type of numbers that you realize the truth and they count on this as if you leave they keep your production and even go down in your organization and use the naivety of the newer against you. Here are the facts. The service is ok, however the lawyers are cocky and treat ppl members as wholesale cheap clients at least Florida attorney house does. If you complain to ppl about it eventually they will start treating you as the problem. This was a major complaint of many and their reason for leaving. The majority of the ppl memberships are held by distributors themselves as it is a requirement to earn a commission that the distributor pays for a membership. It is not by far and even close to being the best opportunity as I have built many very large organizations that do not require anyone to pay the amount of dollars to get involved or require a license. The same old promoted big wheels are the same that are still raking in all of the money.  A membership sold to anyone that is not a distributor will cancel and the distributor will get charged back. If you are selling memberships and your membership base is not at least 90% distributors in your group you are only getting a loan because all of the memberships you sell to companys, organizations and people will cancel and then expect to give 100% of the money that you have been paid. If you are looking to get an MLM started this is definitely not the one you want to look in to. Do not be fooled by all of the hype. Let attorneys be attorneys and you go find a business to build.Any one that knows the real ppl inside scoop knows that PPL is dropping fast. Since 2007 their numbers of recruitment are falling sharply and even in 2011. Dont fall for their hype  http://www.mediamoogle.com/
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#6 Consumer Comment

You are smart to question your thoughts

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

You are smart to question your thoughts. PPL is a big hype. I put 150 people in total in to this business once and it is after you put your heart and soul in to it to reach these type of numbers that you realize the truth and they count on this as if you leave they keep your production and even go down in your organization and use the naivety of the newer against you. Here are the facts. The service is ok, however the lawyers are cocky and treat ppl members as wholesale cheap clients at least Florida attorney house does. If you complain to ppl about it eventually they will start treating you as the problem. This was a major complaint of many and their reason for leaving. The majority of the ppl memberships are held by distributors themselves as it is a requirement to earn a commission that the distributor pays for a membership. It is not by far and even close to being the best opportunity as I have built many very large organizations that do not require anyone to pay the amount of dollars to get involved or require a license. The same old promoted big wheels are the same that are still raking in all of the money.  A membership sold to anyone that is not a distributor will cancel and the distributor will get charged back. If you are selling memberships and your membership base is not at least 90% distributors in your group you are only getting a loan because all of the memberships you sell to companys, organizations and people will cancel and then expect to give 100% of the money that you have been paid. If you are looking to get an MLM started this is definitely not the one you want to look in to. Do not be fooled by all of the hype. Let attorneys be attorneys and you go find a business to build.
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#7 REBUTTAL Owner of company

Calm Down

AUTHOR: Redyot - (USA)

I did not get the impression Timothy was bragging.  He was only making the point that since no one knows the source, "Why not put it out there".  Possibly because maybe the DVD exaggerates just a little the realistic numbers.  Sure it is possible to reach great levels, however; if 99% of the people are not getting close then maybe it has a little fluff in the presentation.
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#8 UPDATE Employee

who needs an attorney marc?

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

people who have kids for one---authorization for minors medical treatment form is available on our forms service center and you can fill that out and send to a provider attorney....anyone who has their kids being babysat this can help with to make any emergency at the hospital quicker......a living will form is made available and also your standard will....i know a lady in ohio here who wouldn't have a leg today if it wasn't for her living will....landlord notice to make repairs form is made available as well to have forwarded over to your attorney then landlord....you ever get a speeding ticket or something for a moving traffic violation then our attorneys will go to court with you to try to not only save money on that ticket but keep your insurance rates down with the points this would accumulate....if you're a lady--ever get harasssed by anyone?..you can request your attorney to write a letter to the other party to scare them into stopping this.....there's affidavits made available.....there's over 100 forms---a 100 chances of being able to use just one of our forms from our forms service center...maybe marc your just one of those baffoonds who speaks of something before you've truly investigated it?...oh yes nobody could use them lol
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#9 UPDATE Employee

Henry it's a law in Europe is why_

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

80 percent own it in Europe because it's a law to have a legal plan there. Not to bash anything but to be honest Pre-paid legal came out AFTER Europe came out with their legal plan. It's just a copy company in America. It's a decent company with a VERY good product but the marketing is IMMENSELY stupid...Yes the product is good but the marketing is stupid and that's why they haven't really risen at all in the past decade and have went downhill. This company doesn't change much with the evolution in marketing...they're to busy patting themselves on the back for PAST success....while people dont realize things evolve...if we never changed the wheel....wouldn't we be driving around on a wooden wheel on a buggy?...now it's rubber on a car...come on pre-paid legal...it's time to evolve....good product...marketing is to gear'd on making money off of associates by offering marketing tools that they deny you for..if you try to make your own ads or follow up ads through emails...they almost always deny you...and one of the men who works in the adapprovals department...gives out legal advice and quotes what the american bar assocation would say....when he's not an attorney and he's not a representative of the american bar association....
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#10 UPDATE Employee

In regards to your money speculation

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

This isn't a get rich scheme and this is a reputable company. With any company there are weak points and in this one it's the marketing department. I do believe the marketing department will deny MOST all marketing methods through your own means. Therefore forcing you to purchase their products and an E-service site which you pay about $20 a month for that gives you access to pre-approved materials. The problem with advertising within this company is when you advertise through their methods then people will call you who currently have problems. This program you need to learn your plan inside and out. Alot of associates make the mistake of talking about our trial hours but don't read everything-they dont see it's gear'd towards civil suits filed in a court of law for an EMPLOYEE. Court will almost ALWAYS bypass their trial hours at no added costs. Yet this system is VERY helpful for trying to settle and getting the attorney to write the other party and document review. The best thing to do is for every person you get to signup then upsell them the identity theft plan as well. If you can learn how to do this then you have something that'll influence them to stay on board. As far as the money quotes you have said. It's possible to make that much but I wouldn't ever tell anyone they're going to or not. It's all upon the individual and how good they are and willing. However if you did to this:

Selling 49 memberships, recruiting 4-5 people who sell 100 memberships each, he will be make upwards of $50,000 in six months

I don't know what level he is to quote you what would be made off of this. Basically when we make a sell we get what I like to call is an assumptive sell. The company assumes everyone we sell will stay on for a year or more so they loan us a year of cash in advance for the sale. If that person cancels within the year all we owe back is the difference of what we weren't lent.

49 membership through what I like to sell is the $26.95 plan(standard and identity theft together with the legal shield rider) - I get paid about $120 fronted money per sale.

$120 at my level x 49 would be $5880. Hardly close to 50,000. The recruits of 4-5 are so iffy on what they'd do considering various factors and the chain of how we get paid for recruits. I've made as much as $90 per sale on an individual on my team who sells someone. So let's say $90x100 - that would be $9,000. Now 9,000 x 4 is $36,000.

Let's keep in mind this is money before taxes and also on top of that you'll have people who cancel and we'll owe back the difference on our loans.

It's unrealistic to think he'll make $50,000 in six months but it's possible.

It's like any other business--you need to take time and figure this out.

He should be learning the market and product at this point the most. My advice is when you find people-make sure they're not going to court and if they are then make sure they know that it'll be 25% off the attorneys normal fee's. Just stay away from people going to court. It's okay to hit up the people who want to settle outside of court. And ALWAYS upsell the identity theft as a way to keep them on board and help with retention. I almost never push to try to get someone on board if they dont take the identity theft as well.

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#11 UPDATE Employee

Plain and Simple Not Everyone Can Do It

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

The fact is that not everyone can and will be successful at PPL. If you do not understand the concept of owning your own business and being an entrepreneur then you will not understand any MLM company. All of you who are saying its a joke becuase you didn't make the money you thought you would, let me ask you this... What kind of people were you approaching about getting the serivice or being an associate. If you were not approaching the type of people that have an entreprenural drive and understand that you must fail before you can succeed, then that is why you did not make the money you thought you would.

Any of you who are thinking of doing PPL or have done it and are mad about not making alot of money, I suggest to you to read Rich Dad, Poor Dad by Robert Kiysoki. That book explains why some people will never be rich. From that book move on to his next, Cash Flow Quadrant. Until you understand the concepts in his books you will never be successful in your own business no matter what it is, MLM or not.

Network Marketing Works, People Don't

Also, read this article http://entrepreneurs.about.com/cs/multilevelmktg/a/problemwithmlm.htm
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#12 Consumer Comment

Income potential with Prepaid Legal: thoughts and comments

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

I'm in the same boat as the girl who commented about her boyfriend. My husband is an associate as well. What makes it even more difficult for me is that I signed up with a party company after he became a PPL associate and I've been comparing his business with mine. I've been at it for 4 months and have made close to $2000 and recouped the cost of my training/startup kit at my first party. If you factor in the cost of attending the PPL twice weekly trainings/meetings, and the one Saturday per month gathering, he's lost money (you have to pay to attend to cover the cost of the conference room). With PPL you can sign 49 memberships, recruit 4-5 people who sell 100 memberships each, you can make $50,000 in six months. What they don't tell you upfront is that if those people cancel their membership before the first 12 months, you owe the company the "signing bonus", which I think is $30 each, so the next time you go to sign someone, you won't get that bonus, but rather it goes towards paying back the canceled memberships. An associate could very easily find themselves working for several months to get out of a hole if a lot of people cancel.

My sponsor in my business who signed me up lives out of state so I'm basically operating on my own. I have access to training and support online based on my schedule and commitment level and I do weekly conference calls if I feel like it. There are local meetings to attend if I want to but it's not a requirement to the level of success I'm experiencing and I still make money. My husband on the other hand physically attends ALL meetings. At the end of those meetings, he comes home all pumped up because the pattern seems to be that all meetings are "success stories" in the business. I'm not hearing that actual sales trainings are taking place.

My husband says I inspire him to do more with PPL because I've done so well in such a short amount of time with my business, but the reality is, I sell product, I get paid. It's that simple. For PPL, you HAVE to build a team to make the kind of money they talk about so when they approach you about the business, there's a method the associate has to follow. Just based on my observation of my husband, you can't just tell someone, "Hey, I have a prepaid legal membership and it's been an awesome benefit to me and my family," then sign them up. You have to do the sales pitch, get a DVD into their hands, schedule a face-to-face meeting or three-way call with their upline to do the entire business pitch and if they say "no" to the business, then you sign the membership. I'm still struggling to wrap my brain around why you can't just sell the darn thing!

As far as PPL the product and service, based on my personal experience with the law firm assigned to my area, hands down, it's a wise investment. I've consulted with them several times and it saved me a lot of money. Just to be able to have quick access to an attorney just to ask a question is worth every penny I pay a month for my membership.

I want to support my husband in this business because I love him to death and he supports me in mine. In my personal observation of him and the company, you can run around and sign up a bunch of people for a year, pocket the cash and get out. If you want to build a team and benefit from the residual income of your team, you'll need to tough it out for several YEARS, but I do believe it can be done. In this economy though, most people need cash now not several years from now,which has been the case for my family and that's what worries me the most.
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#13 UPDATE Employee

Realistic Goals

AUTHOR: Pat M. - (U.S.A.)

I believe your asessment that it would be difficult to make $50,000+ in six months or so, but let's be realistic here.

Tell me ONE business that you could start for less then $250 that could allow you to earn as much as this one does. Most business owners will tell you that it took them YEARS to get into profit mode from their intial investment alone!

The promises of riches are attainable in this company. I know people who have attained a very nice lifestyle with Pre-Paid Legal. The real problem is people who expect it to happen overnight. It will take a while to build your PPL team to the point were you are making a six-figure, passive, residual income. But the truth is would you rather work hard for a few years to have that, or would you rather work hard for someone else (as an employee) and never have the lifestyle you want?

Are we supposed to believe that acting is a scam b/c 99% of the people who try to become actors never make it. come on! I believe that the people who get involved and really go for it, will achieve what they want, as in anything else. The people who talk sh** and whine and complain, are always going to look for the "get rich quick" answer and will never realize their true potential as human beings b/c they are too busy chasing the almighty dollar.

My advice to anyone out there who gets involved with this company, is to go for it with all you have. Don't accept failure and you will have success! You will only fail if you quit.
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#14 UPDATE EX-employee responds

Still a member, no longer sell...

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

Obviously, I haven't read ALL the remarks concerning this topic...who has. But I would like to post this rebuttle/suggestion. My husband and I have had PPL coverage for about 8 years, and I must say that I have mixed feelings about the product. On the few occassions that I used it, I was treated well and with respect in all aspects by the company as well as the provider attorneys. They were able to help in most instances. However, you must remember that you are dealing with attorneys, and must expect just that...meaning, there is much fine print, and they will not hesitate to remind you of what IS and IS NOT covered, but that "you are still eligible for the 25% discounted rate" if you choose to pursue the matter further. I have found that many attys will meet this rate reguardless of PPL membership. As a member you must understand exactly what is covered, not covered, partially covered, covered a certain number of times, or for a certain number of pages, etc.

My husband and I did feel a little more secure when we first signed up. Since the person who sold us the plan was alos a family friend who had been selling it for years (and doing well, I might add), and we had two other friends who were seemingly doing well with the business, My husband and I decided to give it a shot. We did the weekly meetings, the phone conferences, the monthly meetings, the special conferences in Chicago, Detroit, etc., and the annual conferences in Vegas and Oklahoma City. We bought the magazines, the CDs, the DVDs, the Planners, the Nametags, the hardcover books, etc. We spent thousands!!! We handed out material to strangers, bought memberships to on-line connection clubs for "guaranteed leads"...you name it, we did it. While our one friend did well, we did not. We lost thousands!!! Sure, we had recruits, and sold memberships. But things happen, and some people don't keep their ,membership...and since you are paid in advance for the whole year of that membership, if it is canceled, money is deducted from your following sales. Plus, deduct your expenses from your sales, and you realize you are not actually making that much. You need to meet quotas for you to be considered "working it"...that means get 10 magazine/dvd combos out a day, $20 a day, $600 a month, minimum! Plus the fees for the weekly, monthly, and annual meetings.

I often heard the phrase "FAKE IT TIL' YOU MAKE IT!" used in the business...and had seen this first hand by many other associates...and it was quite disturbing. People I got to know in the business seemed to be doing well, dressed well, etc. But as I got to know them realized that they were in a huge financial mess, lived in less than impressive homes (tpik), and practicing questionable if not illegal means of business just to stay in the game. It made me sick. Many couldn't play for long...some played wayyy too long and it ruined them

Now for my one friend that is doing well: Financially, he is doing well. Very well, in fact. WE have known this couple for many years, and have watched them flourich i this business. THey recently moved into a beautiful new home not far from one of the BIG NAMES in PPL. He drives a beautiful car, and his children have nice things. They are the perfect picture of wwhat PPL wants you to see...they really are. EXCEPT: his philosphy is that his children (who are still young...all seven of them, a year apart or less) will appreciate all his hard work later in life...in the meantime, he does not go to their birthday parties, school events, Christmas programs, etc. PPL first...it will pay off. Yes, they go on vacation...but he catches the local PPL events while they are away...plus gets out his magazines and dvds, etc, does his conference calls, all that while the kidsa are with their mother. When I asked him about how that would affect his relationship with his childre later on lin life, he said non-chalantly..."well, it isn't like they are going to remember that I wasn't there!". I though it was very sad...I have 3 children and couldn't do that...and neither could my husband.

Anyway...I suppose there is so much more that I could say...but I will leave it at this:
The product is OKAY. It depends on what you are using it for, how often you might use it, and if you can;t get a better deal through just local atty or firm.

The business is only for those who will do nothing else...and find nothing of higher importance! If you value time with a family and friends (business free), this is not the business for you! You very well might make millions in this business...But don't expect to do anything else.
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#15 Consumer Comment

Pre-paid legal rewards those who will work for what they want

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

I have been an associate of PPL for 3 years now. And yes you CAN make money at this, my first 11 days with the company I received a check for $1379, I worked from my kitchen table for 1 hour per day for 5 days (only because that's what I was told to do by my sponsor, and I did not believe it would work) sure enough 6 days later I got my check in the mail. Over the last 3 years I have earned just under $60,000.00 that's not bad for a few hours here and there.

Yes, there are a lot of people I have sponsored into the company who have made nothing. But it is not the business model or the company, its their lack of effort.

PPL is MLM, you build a network of associates who sell memberships and you receive override income from their sales. This allows for time leverage (ex. you work 1 hour per day, you recruit 8 people who work 1 hour per day and you get paid off 9 hours in a day and you only worked 1.)

I have since moved on to another company that offers more residual income then PPL but I still will market memberships to those who are interested in the plan.

I have used the plan several times, and of course not every time I used it did I feel like I got what I needed but I have had many successes out of it. (ex. with the contract and doc review I saved $24 per month on my truck payment.) This might not seem like a big deal but my membership is $16 per month.

The Lawyers are humans just like us and they have bad days and sometimes they take it out on the wrong person, but who hasn't done that.......

This is all I really wanted to say, so to all of you out there who are fighting for your dreams keep it up and you WILL make it. To all of you who want to discourage others from reaching what they want in life, STOP and get some dreams of your own.



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#16 Consumer Comment

PPL has been EXCELLENT for me.

AUTHOR: Looking4adeal - (U.S.A.)

I have been a PPL member for about 3 years now. I have used the service a total of 6 times since then. Because I used for items that were actually covered by the program I have been BEYOND satisfied.

I have had 5 different speeding tickets dismissed (In 3 different jurisdictions) and I did not go to court once. The provider law firm walked me through the proceedings step-by-step and after I had done my part, my lawyer attended court for me while I went to work and took care of everything.

This alone has saved me an immense amount of money that I would otherwise be paying in Auto Insurance.

In early 2007 I was in a bad car accident and I did not have auto insurance. Luckily the other person was at fault though. While I was not responsible for the other person's damages, I still was responsible to pay the $550 driving without insurance ticket that is here in WA. I called PPL and was informed that there was nothing they could do for me as there is no legitimate defense for a driving without insurance ticket. If you were sited for it, you did it. While they were unable to help me with the ticket, I still received INCREDIBLY USEFUL advice from a provider law firm on how to handle getting the most out of the rival insurance company for the damage they did to my vehicle. I ended up speaking with the Lawyer directly and could tell by his demeanor that he actually cared about the outcome of my case.

ON ALL OCCASIONS: It took no longer than 2 hours for the attorney from the provider law firm to return my call and begin the proceedings for my defenses or to give me any information I sought after.

One of my main points: It seems like a majority of the gripes from members specifically, are centered around them not getting what they payed for. People did not realize what they were paying for. This is not a legal umbrella to go out and get in whatever trouble you please. They will provide support for specific litigation which is outlined in your sign-up packet. Anyone who "had the wool pulled over their eyes" had it done by the associate selling it to them, not Prepaid Legal Services.

Like any responsible consumer purchase, if you research what you are purchasing before you buy it you face a much smaller chance of being disappointed and disgruntled.

Me: I was told I would be able to drive like a maniac and not think twice about it. So, I pay $16 a month, and drive like a bat out of hell. I realize that if I get say a Reckless driving ticket I am going to have an issue, but that is only because I was smart enough to read the pamphlet and know that I am only covered for speeding and other infractions somewhat like it. I was also told that I have defense from credit card companies taking advantage of me as well as other consumer defenses. This is what I pay for, and for that I am happy.

One thing I noticed not being said in the defense of the provider law firms: These firms are selected by PPL and it is an HONOR and a PRIVILEGE to have the opportunity to service PPL. Just like an insurance company these Law firms are being handed a monthly check when at some times they are doing next to nothing to earn it. They are highly graded and reviewed by both PPL and the consumers using the service. PPL trusts them to provide EXCEPTIONAL service and in the event that they do not, their memberships can be revoked immediately to preserve the effectiveness of the program. These providers are encouraged to provide exceptional service.

They do not make money based on the amount of time you spend with them, and they do not get payed on a case by case basis. They provide great service and are payed monthly for it. This creates an incredible amount of competition within the Law Firm community to stay on PPL's payroll. As apposed to having to worry about your monthly income on a case to case basis, what lawyer wouldn't want a consistent check every month?

I don't have much to say about the Associate side of the program. Except that it seems like a great way for someone to make money if they know what they are getting into. It's what you make of it.

THIS PRODUCT ROCKS! I WOULD SUGGEST IT FOR ANYONE WHO NEEDS CHEAP EFFECTIVE LEGAL REPRESENTATION IN CIVIL MATTERS.

If you are looking for someone to get you out of trouble when you crash into things when you are drunk or when you knock out your neighbor over an easement on your property, you are going to have to look somewhere else. But if you want to speed in your car and be protected from petty civil suits that the state and county officials throw at you on a regular basis then I couldn't recommend a better way to spend $16 a month.
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#17 Consumer Comment

PPL has been EXCELLENT for me.

AUTHOR: Looking4adeal - (U.S.A.)

I have been a PPL member for about 3 years now. I have used the service a total of 6 times since then. Because I used for items that were actually covered by the program I have been BEYOND satisfied.

I have had 5 different speeding tickets dismissed (In 3 different jurisdictions) and I did not go to court once. The provider law firm walked me through the proceedings step-by-step and after I had done my part, my lawyer attended court for me while I went to work and took care of everything.

This alone has saved me an immense amount of money that I would otherwise be paying in Auto Insurance.

In early 2007 I was in a bad car accident and I did not have auto insurance. Luckily the other person was at fault though. While I was not responsible for the other person's damages, I still was responsible to pay the $550 driving without insurance ticket that is here in WA. I called PPL and was informed that there was nothing they could do for me as there is no legitimate defense for a driving without insurance ticket. If you were sited for it, you did it. While they were unable to help me with the ticket, I still received INCREDIBLY USEFUL advice from a provider law firm on how to handle getting the most out of the rival insurance company for the damage they did to my vehicle. I ended up speaking with the Lawyer directly and could tell by his demeanor that he actually cared about the outcome of my case.

ON ALL OCCASIONS: It took no longer than 2 hours for the attorney from the provider law firm to return my call and begin the proceedings for my defenses or to give me any information I sought after.

One of my main points: It seems like a majority of the gripes from members specifically, are centered around them not getting what they payed for. People did not realize what they were paying for. This is not a legal umbrella to go out and get in whatever trouble you please. They will provide support for specific litigation which is outlined in your sign-up packet. Anyone who "had the wool pulled over their eyes" had it done by the associate selling it to them, not Prepaid Legal Services.

Like any responsible consumer purchase, if you research what you are purchasing before you buy it you face a much smaller chance of being disappointed and disgruntled.

Me: I was told I would be able to drive like a maniac and not think twice about it. So, I pay $16 a month, and drive like a bat out of hell. I realize that if I get say a Reckless driving ticket I am going to have an issue, but that is only because I was smart enough to read the pamphlet and know that I am only covered for speeding and other infractions somewhat like it. I was also told that I have defense from credit card companies taking advantage of me as well as other consumer defenses. This is what I pay for, and for that I am happy.

One thing I noticed not being said in the defense of the provider law firms: These firms are selected by PPL and it is an HONOR and a PRIVILEGE to have the opportunity to service PPL. Just like an insurance company these Law firms are being handed a monthly check when at some times they are doing next to nothing to earn it. They are highly graded and reviewed by both PPL and the consumers using the service. PPL trusts them to provide EXCEPTIONAL service and in the event that they do not, their memberships can be revoked immediately to preserve the effectiveness of the program. These providers are encouraged to provide exceptional service.

They do not make money based on the amount of time you spend with them, and they do not get payed on a case by case basis. They provide great service and are payed monthly for it. This creates an incredible amount of competition within the Law Firm community to stay on PPL's payroll. As apposed to having to worry about your monthly income on a case to case basis, what lawyer wouldn't want a consistent check every month?

I don't have much to say about the Associate side of the program. Except that it seems like a great way for someone to make money if they know what they are getting into. It's what you make of it.

THIS PRODUCT ROCKS! I WOULD SUGGEST IT FOR ANYONE WHO NEEDS CHEAP EFFECTIVE LEGAL REPRESENTATION IN CIVIL MATTERS.

If you are looking for someone to get you out of trouble when you crash into things when you are drunk or when you knock out your neighbor over an easement on your property, you are going to have to look somewhere else. But if you want to speed in your car and be protected from petty civil suits that the state and county officials throw at you on a regular basis then I couldn't recommend a better way to spend $16 a month.
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#18 Consumer Comment

PPL has been EXCELLENT for me.

AUTHOR: Looking4adeal - (U.S.A.)

I have been a PPL member for about 3 years now. I have used the service a total of 6 times since then. Because I used for items that were actually covered by the program I have been BEYOND satisfied.

I have had 5 different speeding tickets dismissed (In 3 different jurisdictions) and I did not go to court once. The provider law firm walked me through the proceedings step-by-step and after I had done my part, my lawyer attended court for me while I went to work and took care of everything.

This alone has saved me an immense amount of money that I would otherwise be paying in Auto Insurance.

In early 2007 I was in a bad car accident and I did not have auto insurance. Luckily the other person was at fault though. While I was not responsible for the other person's damages, I still was responsible to pay the $550 driving without insurance ticket that is here in WA. I called PPL and was informed that there was nothing they could do for me as there is no legitimate defense for a driving without insurance ticket. If you were sited for it, you did it. While they were unable to help me with the ticket, I still received INCREDIBLY USEFUL advice from a provider law firm on how to handle getting the most out of the rival insurance company for the damage they did to my vehicle. I ended up speaking with the Lawyer directly and could tell by his demeanor that he actually cared about the outcome of my case.

ON ALL OCCASIONS: It took no longer than 2 hours for the attorney from the provider law firm to return my call and begin the proceedings for my defenses or to give me any information I sought after.

One of my main points: It seems like a majority of the gripes from members specifically, are centered around them not getting what they payed for. People did not realize what they were paying for. This is not a legal umbrella to go out and get in whatever trouble you please. They will provide support for specific litigation which is outlined in your sign-up packet. Anyone who "had the wool pulled over their eyes" had it done by the associate selling it to them, not Prepaid Legal Services.

Like any responsible consumer purchase, if you research what you are purchasing before you buy it you face a much smaller chance of being disappointed and disgruntled.

Me: I was told I would be able to drive like a maniac and not think twice about it. So, I pay $16 a month, and drive like a bat out of hell. I realize that if I get say a Reckless driving ticket I am going to have an issue, but that is only because I was smart enough to read the pamphlet and know that I am only covered for speeding and other infractions somewhat like it. I was also told that I have defense from credit card companies taking advantage of me as well as other consumer defenses. This is what I pay for, and for that I am happy.

One thing I noticed not being said in the defense of the provider law firms: These firms are selected by PPL and it is an HONOR and a PRIVILEGE to have the opportunity to service PPL. Just like an insurance company these Law firms are being handed a monthly check when at some times they are doing next to nothing to earn it. They are highly graded and reviewed by both PPL and the consumers using the service. PPL trusts them to provide EXCEPTIONAL service and in the event that they do not, their memberships can be revoked immediately to preserve the effectiveness of the program. These providers are encouraged to provide exceptional service.

They do not make money based on the amount of time you spend with them, and they do not get payed on a case by case basis. They provide great service and are payed monthly for it. This creates an incredible amount of competition within the Law Firm community to stay on PPL's payroll. As apposed to having to worry about your monthly income on a case to case basis, what lawyer wouldn't want a consistent check every month?

I don't have much to say about the Associate side of the program. Except that it seems like a great way for someone to make money if they know what they are getting into. It's what you make of it.

THIS PRODUCT ROCKS! I WOULD SUGGEST IT FOR ANYONE WHO NEEDS CHEAP EFFECTIVE LEGAL REPRESENTATION IN CIVIL MATTERS.

If you are looking for someone to get you out of trouble when you crash into things when you are drunk or when you knock out your neighbor over an easement on your property, you are going to have to look somewhere else. But if you want to speed in your car and be protected from petty civil suits that the state and county officials throw at you on a regular basis then I couldn't recommend a better way to spend $16 a month.
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#19 Consumer Comment

PPL has been EXCELLENT for me.

AUTHOR: Looking4adeal - (U.S.A.)

I have been a PPL member for about 3 years now. I have used the service a total of 6 times since then. Because I used for items that were actually covered by the program I have been BEYOND satisfied.

I have had 5 different speeding tickets dismissed (In 3 different jurisdictions) and I did not go to court once. The provider law firm walked me through the proceedings step-by-step and after I had done my part, my lawyer attended court for me while I went to work and took care of everything.

This alone has saved me an immense amount of money that I would otherwise be paying in Auto Insurance.

In early 2007 I was in a bad car accident and I did not have auto insurance. Luckily the other person was at fault though. While I was not responsible for the other person's damages, I still was responsible to pay the $550 driving without insurance ticket that is here in WA. I called PPL and was informed that there was nothing they could do for me as there is no legitimate defense for a driving without insurance ticket. If you were sited for it, you did it. While they were unable to help me with the ticket, I still received INCREDIBLY USEFUL advice from a provider law firm on how to handle getting the most out of the rival insurance company for the damage they did to my vehicle. I ended up speaking with the Lawyer directly and could tell by his demeanor that he actually cared about the outcome of my case.

ON ALL OCCASIONS: It took no longer than 2 hours for the attorney from the provider law firm to return my call and begin the proceedings for my defenses or to give me any information I sought after.

One of my main points: It seems like a majority of the gripes from members specifically, are centered around them not getting what they payed for. People did not realize what they were paying for. This is not a legal umbrella to go out and get in whatever trouble you please. They will provide support for specific litigation which is outlined in your sign-up packet. Anyone who "had the wool pulled over their eyes" had it done by the associate selling it to them, not Prepaid Legal Services.

Like any responsible consumer purchase, if you research what you are purchasing before you buy it you face a much smaller chance of being disappointed and disgruntled.

Me: I was told I would be able to drive like a maniac and not think twice about it. So, I pay $16 a month, and drive like a bat out of hell. I realize that if I get say a Reckless driving ticket I am going to have an issue, but that is only because I was smart enough to read the pamphlet and know that I am only covered for speeding and other infractions somewhat like it. I was also told that I have defense from credit card companies taking advantage of me as well as other consumer defenses. This is what I pay for, and for that I am happy.

One thing I noticed not being said in the defense of the provider law firms: These firms are selected by PPL and it is an HONOR and a PRIVILEGE to have the opportunity to service PPL. Just like an insurance company these Law firms are being handed a monthly check when at some times they are doing next to nothing to earn it. They are highly graded and reviewed by both PPL and the consumers using the service. PPL trusts them to provide EXCEPTIONAL service and in the event that they do not, their memberships can be revoked immediately to preserve the effectiveness of the program. These providers are encouraged to provide exceptional service.

They do not make money based on the amount of time you spend with them, and they do not get payed on a case by case basis. They provide great service and are payed monthly for it. This creates an incredible amount of competition within the Law Firm community to stay on PPL's payroll. As apposed to having to worry about your monthly income on a case to case basis, what lawyer wouldn't want a consistent check every month?

I don't have much to say about the Associate side of the program. Except that it seems like a great way for someone to make money if they know what they are getting into. It's what you make of it.

THIS PRODUCT ROCKS! I WOULD SUGGEST IT FOR ANYONE WHO NEEDS CHEAP EFFECTIVE LEGAL REPRESENTATION IN CIVIL MATTERS.

If you are looking for someone to get you out of trouble when you crash into things when you are drunk or when you knock out your neighbor over an easement on your property, you are going to have to look somewhere else. But if you want to speed in your car and be protected from petty civil suits that the state and county officials throw at you on a regular basis then I couldn't recommend a better way to spend $16 a month.
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#20 Consumer Comment

I've had a great experience as a member (not associate) of Prepaid Legal.

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

I've been a member, not an associate, of Prepaid Legal Services for about 5 years. I have no complaints about how they've represented their services nor how they've fulfilled their stated services.
I've gotten out of 4 out of 5 speeding tickets during my membership and have never had to go to court! On the one ticket I didn't get out of, ppl advised me to ask for a deferrel and instructed me on how to do it. I did, and I may not have that one on my record either if I don't get a ticket within a year's time.
They are drawing up my will and do cover all aspects for free.
All phone consultations are free and are unlimited. I use that service several times a year; the last time being over a cell phone I returned to a company which the company said I didn't return. The company routinely did NOT issue return receipts for returned phones. My ppl attorney advised me that policy was faulty and would most likely hold up well in small claims court. I then called the cell phone company back with this info, at which point, they dropped the matter. My attorney also offered to have a letter drawn up and sent to the company if the matter wasn't resolved to my satisfaction.
I've found the staff at ppl to be professional, responsive, and reliable. I've never felt that what I was sold was over or misrepresented and I really DO feel an extra sense of security for having this type of insurance. They even give you a sticker to put on your vehicle so law enforcement will know that upon issuing you a ticket, you'll be represented in court by a top notch attorney.
Upon reading much of the above comments, I see many people are misinformed about ppl's actual stated services. I would advise people to do more research about the company before making such inaccurate and inflammatory statements.
Sincerely, Linda Snoqualmie, WA.
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#21 Consumer Comment

I've had a great experience as a member (not associate) of Prepaid Legal.

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

I've been a member, not an associate, of Prepaid Legal Services for about 5 years. I have no complaints about how they've represented their services nor how they've fulfilled their stated services.
I've gotten out of 4 out of 5 speeding tickets during my membership and have never had to go to court! On the one ticket I didn't get out of, ppl advised me to ask for a deferrel and instructed me on how to do it. I did, and I may not have that one on my record either if I don't get a ticket within a year's time.
They are drawing up my will and do cover all aspects for free.
All phone consultations are free and are unlimited. I use that service several times a year; the last time being over a cell phone I returned to a company which the company said I didn't return. The company routinely did NOT issue return receipts for returned phones. My ppl attorney advised me that policy was faulty and would most likely hold up well in small claims court. I then called the cell phone company back with this info, at which point, they dropped the matter. My attorney also offered to have a letter drawn up and sent to the company if the matter wasn't resolved to my satisfaction.
I've found the staff at ppl to be professional, responsive, and reliable. I've never felt that what I was sold was over or misrepresented and I really DO feel an extra sense of security for having this type of insurance. They even give you a sticker to put on your vehicle so law enforcement will know that upon issuing you a ticket, you'll be represented in court by a top notch attorney.
Upon reading much of the above comments, I see many people are misinformed about ppl's actual stated services. I would advise people to do more research about the company before making such inaccurate and inflammatory statements.
Sincerely, Linda Snoqualmie, WA.
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#22 Consumer Comment

I've had a great experience as a member (not associate) of Prepaid Legal.

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

I've been a member, not an associate, of Prepaid Legal Services for about 5 years. I have no complaints about how they've represented their services nor how they've fulfilled their stated services.
I've gotten out of 4 out of 5 speeding tickets during my membership and have never had to go to court! On the one ticket I didn't get out of, ppl advised me to ask for a deferrel and instructed me on how to do it. I did, and I may not have that one on my record either if I don't get a ticket within a year's time.
They are drawing up my will and do cover all aspects for free.
All phone consultations are free and are unlimited. I use that service several times a year; the last time being over a cell phone I returned to a company which the company said I didn't return. The company routinely did NOT issue return receipts for returned phones. My ppl attorney advised me that policy was faulty and would most likely hold up well in small claims court. I then called the cell phone company back with this info, at which point, they dropped the matter. My attorney also offered to have a letter drawn up and sent to the company if the matter wasn't resolved to my satisfaction.
I've found the staff at ppl to be professional, responsive, and reliable. I've never felt that what I was sold was over or misrepresented and I really DO feel an extra sense of security for having this type of insurance. They even give you a sticker to put on your vehicle so law enforcement will know that upon issuing you a ticket, you'll be represented in court by a top notch attorney.
Upon reading much of the above comments, I see many people are misinformed about ppl's actual stated services. I would advise people to do more research about the company before making such inaccurate and inflammatory statements.
Sincerely, Linda Snoqualmie, WA.
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#23 Consumer Comment

I've had a great experience as a member (not associate) of Prepaid Legal.

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

I've been a member, not an associate, of Prepaid Legal Services for about 5 years. I have no complaints about how they've represented their services nor how they've fulfilled their stated services.
I've gotten out of 4 out of 5 speeding tickets during my membership and have never had to go to court! On the one ticket I didn't get out of, ppl advised me to ask for a deferrel and instructed me on how to do it. I did, and I may not have that one on my record either if I don't get a ticket within a year's time.
They are drawing up my will and do cover all aspects for free.
All phone consultations are free and are unlimited. I use that service several times a year; the last time being over a cell phone I returned to a company which the company said I didn't return. The company routinely did NOT issue return receipts for returned phones. My ppl attorney advised me that policy was faulty and would most likely hold up well in small claims court. I then called the cell phone company back with this info, at which point, they dropped the matter. My attorney also offered to have a letter drawn up and sent to the company if the matter wasn't resolved to my satisfaction.
I've found the staff at ppl to be professional, responsive, and reliable. I've never felt that what I was sold was over or misrepresented and I really DO feel an extra sense of security for having this type of insurance. They even give you a sticker to put on your vehicle so law enforcement will know that upon issuing you a ticket, you'll be represented in court by a top notch attorney.
Upon reading much of the above comments, I see many people are misinformed about ppl's actual stated services. I would advise people to do more research about the company before making such inaccurate and inflammatory statements.
Sincerely, Linda Snoqualmie, WA.
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#24 UPDATE EX-employee responds

The funniest thing is...

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

I'm sure Salvatore has quit by now.

Anyhow, I'm a former associate and still have and love the membership. It has done well by me.

Back to the original question. The reason no one wants to say how much they make is no one is making money except for a select few. I live in Utah and the one guy in the state that is earning six figures is the same guy that was earning six figures five years ago.

The line about not asking people how much they make because it's impolite is bullshit they teach you to say at the trainings. Salvatore has learned well.
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#25 Consumer Suggestion

PPL? PLZ!!!

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

Some of you guys are so motivated, you pitch the service IN THE MIDST of a COMPLAINT!

I love it, I really do.

First for Salvadore, if the company has been around for 33 years, why are there only 50 millionaires (but in a later post, you quote 60), aren't many of those people celebrities already?

Then there's this one:

Salvadore said:
Would you of hired Johnie Cochrane to represent you? Because he was a provider attorney for PPL.

Oh yeah? Did OJ cash in on his $29.00 a month plan, and if so, I want him as my provider. Not the jerk-around "letter writers with Esq. logo" that were sent on my behalf. 6 months, 8 issues, and only one was "partially" resolved - I ended up taking more time to do the same work I could have done at the beginning.

In one of my situations, I sent a demand letter due to a ripoff on Ebay - and guess what! The other person ALSO had PPL, and all of a sudden, my representative law firm wanted nothing to do with me. It's lawyer intimidation, is what it REALLY is, at least for me.

80% of Europeans MIGHT buy this service - they don't have the right to an attorney in their country. The rest must be too poor. I also could not find that figure online - could someone note a site about that?

Enron was on NSDQ. So was Tyco. So was Haliburton. Only respected, quality companies are on NSDQ?

You can't sit here and tell me that PPL is not a MLM. If you don't know what an MLM is, look it up on Wikipedia - but don't say you know and then make a joke of yourself. It's a MLM.

MLMs fail for one reason: There aren't enough people. You have your few rich people (like the ones Salvadore quotes) who are "respected leaders", and then you have your Level 2, and your level 3 people, all learning the 7 figure income.

If each level must recruit 6 more below them, the ratio of losers to winners is close to 5 to 1 - studies show that 84% of all investors will lose their money, yet these are the very people who "somehow didn't try hard enough/wasn't dedicated/didn't invest in 'learning tapes', etc".

The pyramid in reality would not be perfectly balanced and some members might be able to partially fill their number of recruits, even though the same principles apply.

Why? Because there's not enough people in the country, even if we had 100% compliance.

Interestingly, those at the top stay at the top, and those at the bottom jump up a few steps, but rarely outdo those before them.

The same guy at the top may do as many recruits, but he got in early, thereby guaranteeing his place as more people got on board - he could then keep or lose his place - and those that keep their place is why he is a winner. Not because of more or less work, not because he was more or less efficient. But because he got in 33 years ago and even if ONE of his people did well, and another did well UNDER THAT GUY, the guy who got in early is a millionaire.

Talk about "financial freedom" all you want. I love when people succeed at this business, because they are the best salesmen in the world, and there's no-one here that I've seen deny that. But don't tell me you don't work under someone, or answer to someone, because you do. You're not your own boss. Someone else is relying on you for income, and they will do everything possible to "motivate" you.

Steve said:
Approximately 3% of any MLM sales force will ever make money past overall break even on time and investment.

Mathmatically, that is correct. And the chances of that happening decrease from there as
a) more people sign up
b) the older the company is (people who get pitched) and
c) the more the company denies it is a MLM. (the accusation alone is GREAT press!)

On a personal note, Denny, I like your banter in the threads, and I do hope you get mega-rich, friend. Good luck to you.

Robert, I feel similar to you in regards to this. The employee seldom makes more than the supervisor, and the supervisor seldom makes more than the manager, than the direct manager, than the regional manager, than the national manager, to the VP to the President, to the Owner and/or Founder of a company. When the risidual checks go up, how can you make more money than them? They make money off themselves. They make money off you. You only make money off of you.

So unless someone can explain how I can join that elite level of stature by my own effort without propelling 8 people ahead of me to "millionaire" status first, I don't believe you.

Can you make good money? Yes. Can you reach millionaire status? The odds are very much against you. But that's the dream they sell you.

Their offer of helping you make a million dollars will result in them getting 5 million. Of course they care about your success!

They're travelling, speaking, selling tapes, making top cash and writing off literally Tens of THOUSANDS in tax deductible expenses.

You're out there trying to get grandma to sign up her bridge buddies and walking parking lots and buying space in newspapers hoping to catch a hidden talent who will make money for you.

The best way to get rich off an MLM - is to start one.
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#26 Consumer Comment

Sorry to disappoint you Sidney

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

I have no unresolved issues with PPL, nor anyone else...except those scumbags at HFC.

The plan offered everything, and provided nothing.

As I have stated very often...The ones who sell it think it's great. The ones who buy it know it's useless.

Telling(warning) people about a snake, does not mean I have an issue with that snake. I just make sure other people know about it.
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#27 Consumer Suggestion

OK people...Lets try staying ON TOPIC and POSTING properly, category etc.. PLEASE!!

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

I see many of you PPL folks posting as EMPLOYEE REBUTTAL..If you are selling the PPL plan, you are NOT an EMPLOYEE. You are an independent contractor. And, whether you realize it or not you just violated your associate aggreement with PPL by creating an employee/employer relationship. This means your posting options are only Consumer Suggestion or Consumer Comment.

Now that we have that settled, on to the next item. This thread was specifically about PPL, not legal plans in general or the CDLP. Those need to be a separate thread. Please stay on subject.

Now, as far as PPL goes, it is a joke. It offers the consumer little or no savings on legal services and representation in the real world. I can get a better deal on any legal service simply by calling around. I have done this and proven my statement.

As far as being a sales representative of PPL, MOST fail. It is a very hard sell, and is very hard to recruit others. You will only make money with PPL if you are a totally obnoxious salesperson who lives and breathes PPL 24/7.

As with any MLM business, the motto is "fake it til you make it". This is why they will never SHOW you whayt they are ACTUALLY earning, as they are faking it til they make it. It is all Hype, smoke and mirrors. It is a cult.

I have done my share of MLM before I learned the truth. But after many years of wasted time and money and embarrassment with friends and relatives, I quit all MLM.

Those are the FACTS, Salvatore. Approximately 3% of any MLM sales force will ever make money past overall break even on time and investment. The FTC and many other government agencies and consumer groups have stats on MLM businesses. This is public knowledge.

MLM products and services can NEVER be priced competitively to the consumer as several people have to be paid. It is impossible to get a good deal on ANY MLM product or service, and the only ones who make money are the ones who focus only on recruiting and not the sale of product or service to the end user.

Those are the facts.
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#28 UPDATE Employee

Great company...

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

CX Roberson was. It has been a little while since I have heard that name. I thought they got bought out, which I guess is the same thing as closing their doors these days. I have worked in the freight industry for the past 12 years or so, mainly in the South/Southeast, so I had heard that name plenty.

From the price you are stating, it sounds like whomever sold it totally misrepresented the CDLP plan. It should have been a few bucks more a month for that plan, but that is neither here nor there. Again, my apologies for what you had to go through. I am sorry you are still having to go through some things due to it not fufilling what was promised. Thanks for reading what I have to say. I only wish that I could help with your situation in some way.
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#29 Consumer Comment

No thanks

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

I stopped my "Membership to Nothing" in 1995. I paid the same $25/month every driver paid. It may have been a little less.

And just like every driver, it offered the world, and provided nothing. Everything was in writing, and that still meant nothing.

For the record, I drove for CX Roberson. That Company had the best drivers in the industry. It's overall accident rate was .2/million miles, while the standard is 1.3/million miles. So for the geniuses who think I was some loose cannon, sorry...no. They did extensive checks, including those of us who came form the military. They folded last year, after a 59 year run.

Good luck to all the drivers/owner-operators who were there at the end. I've heard/read your stories, and I can only offer my sympathies. Brian tried to do the job, but Roger never should have let him.
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#30 UPDATE Employee

Thanks, Robert

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

Honestly, I would love to see your memebership card. I would like to help you get what deserved to get, what you paid for! I didn't recall seeing what you paid per month, so I wasn't sure which plan that you had.

Let me know. I would be happy to assist in whatever way that I can. At least my assistance wouldn't cost you a dime, so to allow me to try to help wouldn't go against you.
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#31 Consumer Comment

Just wonderful, Sidney

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

The only problem with what you just posted, is that it contains the exact same BS the policy I had stated. And yet, NOTHING was ever covered.

Considering I was still employed by the company I drove for, I should have been fully covered.

You just keep hawking that Volcano Insurance.
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#32 Consumer Comment

Just wonderful, Sidney

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

The only problem with what you just posted, is that it contains the exact same BS the policy I had stated. And yet, NOTHING was ever covered.

Considering I was still employed by the company I drove for, I should have been fully covered.

You just keep hawking that Volcano Insurance.
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#33 Consumer Comment

Just wonderful, Sidney

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

The only problem with what you just posted, is that it contains the exact same BS the policy I had stated. And yet, NOTHING was ever covered.

Considering I was still employed by the company I drove for, I should have been fully covered.

You just keep hawking that Volcano Insurance.
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#34 Consumer Comment

Just wonderful, Sidney

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

The only problem with what you just posted, is that it contains the exact same BS the policy I had stated. And yet, NOTHING was ever covered.

Considering I was still employed by the company I drove for, I should have been fully covered.

You just keep hawking that Volcano Insurance.
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#35 UPDATE Employee

Few Answers plus assistance if neede

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

To one question, ARAG is one of the companies in Europe that offers the same general benefits. There are several regular insurance companies in Europe that offer Legal Insurance.

To the gentleman in Florida, I understand your total frustration with the program. I know they have revamped the CDLP program within the past few years. However, if you no longer work for the company, your benefits through PPL are stopped immediately, due to you signing up through your company. That is one thing that does suck about that. However, here is a breakdown of the new CDLP plan in Florida:
Pre-Paid Legal Services, Inc., of Florida

"Commercial Drivers Legal Plan

Tragic Accident Representation
If you or your spouse is charged with criminal act due to a serious traffic accident, a Commercial Drivers Legal Plan lawyer will defend you in the court of original jurisdiction at no additional cost for the following charges:

Manslaughter
Involuntary Manslaughter
Vehicular Manslaughter
Negligent Homicide

*Additional Information & Exclusions

Moving Violations
Defense of moving violations in the court of original jurisdiction at no added charge to you.
Defense by a lawyer located through your Commercial Drivers Legal Plan Provider Law Firm at no added charge to you.
The lawyer appointed for you is usually located in the area where you received the ticket.


DOT And Non-Moving Violations
At no added charge, you and your spouse are entitled to defense of citations issued in your motor vehicle including:

Logbook
Over length
Over weight
Over height
Load spill
No placard
No fuel stamp
No medical card
Hazardous material
No motor carrier authority
Expired inspection sticker

License Reinstatement
You or your spouse have 2.5 hours of legal help from a Commercial Drivers Legal Plan lawyer in each of the following situations if:

You are denied a driver's license.

Your driver's license is canceled, suspended or revoked by the Department of Public Safety or Department of Motor Vehicles where a right to appeal is provided to you by statute.

Assistance is needed to reinstate or maintain a driver's license because of job related or medical reasons.

Property Damage Collection Assistance
A Commercial Drivers Legal Plan attorney will help you or your spouse collect property damage claims of $2,000 or less for damage as a result of driving, riding in, or being struck by any motor vehicle or boat.

Covers minor damage to your car or truck.
You may receive up to 2.5 hours of attorney time per incident.

Personal Injury Collection Assistance
A Commercial Drivers Legal Plan lawyer will help you or your spouse collect personal injury claims of $2,000 or less for injuries resulting from driving, riding in, or being struck by any motor vehicle or boat. You may receive up to 2.5 hours of lawyer time per claim.

All Other Legal Services
You and your spouse receive this and any other legal work not covered by this plan at a 25% discount from the lawyer's standard hourly rate.

*Additional Information & Exclusions

Additional Information & Exclusions:

Due to regulatory requirements, benefits and rates vary in certain states and provinces. The information contained on this material is for illustrative purposes only and is not a contract. It is intended to provide a general overview of plan coverage; only a plan contract can give actual terms, coverage, amounts, conditions and exclusions.

The benefits available under this membership plan may be used ten (10) days after the effective date of the membership. Any matters occurring prior to the end of the ten (10) day waiting period will be considered "pre-existing conditions" under the terms of this membership.

In order to receive benefits under this Contract you must advise the Provider Attorney by telephone regarding receipt of the citation within three (3) business days after receipt of the citation. The Provider Attorney's office must have at least five days before your court date to help you with the Benefits under this membership.

Tragic Accident Representation: Appeals are not included.

All Other Legal Services: Depending on your legal needs, a retainer may be required by your Provider Law Firm prior to services being rendered under this discount. Your Provider Law Firm is responsible for determining the amount of the retainer and any other anticipated costs. Other costs you may incur include fines, court costs, penalties, expert witness fees, bonds, bail bonds, and any out-of-pocket expenses. These costs are your responsibility and are not included as part of membership benefits. Your Provider Law Firm cannot provide any legal services until payment of the retainer and other costs have been made. If you need representation in court, you must notify your Provider Law Firm at least five business days in advance so they may prepare for your case."

Also, I have been in PPL for just 4 months. My wife and I are working this together as a team. We have made the Director level this month. Honestly, the first month, we barely earned our money back, due to not doing much. The worst thing is the states that are license states. Since that first month, our earnings have increased every month. We are doing nothing spectacular, but we are only putting in 5-10 hrs a week, which includes a meeting and conference call. It has been a great help to us.

The service has also been of use to us, actually combining both the PPL membership and the Identity Theft portion. We were able to resolve some issues that were not supposed to be on there, as well as remove an item that a car company was unwilling to remove.

I would be more than happy to assist anyone in getting help, if they feel that they have been misrepresented. Also, if you don't feel that the law firm for the state has done a good job, you can file a report against them. I have seen it done in another state, which the person got their case handled for free instead of the 25% discount. Let me know if I can assist.
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#36 Consumer Comment

Try and pay attention in class, Aaron

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

The PPL nonsense was sold to every driver in the company(nearly ALL companies) as covering ALL employment related legal issues. It covered NONE of them. It did not cover ANY moving violations. It did not cover ANY collision related problems. It did not cover ANY employment related issues at all.

"Playing guns" as you put it, is nonsense. Since you are obviously clueless, I'll spell it out for you. When a company driver has a full load, and an independent is empty, the idependents get pissed and sometimes do very unprofessional things, like force others off the road. This usually happens when the cost of fuel goes up, or the taxes are jacked up. Independents cannot usually absorb the extra costs as well as a large company.

For about 6 months(I think it was in '94 or '95), company trucks were being vandalized regularly at rest areas, truck stops, etc. I saw many a Pumpkin either burning, or resting on rims due to giant gashes in their sidewalls. The JBH trucks tried to move in packs. Big Red was taking damage too. The company I drove for(CX Roberson) took their share of abuse, but alot of us carried weapons. It was "not allowed" officially, but the company turned a blind eye to it after a few drivers were assaulted. Company flatbed drivers had their straps stolen, which meant the load could not move untill new straps were bought.

Being confronted by some dipshit who is having a bad day is not a reason for me to get shot. If you don't have a gun, don't pretend you do. That's the lesson the other guy learned.

I've gone over this before. As I have said time, and time again...the people who bought PPL know it's worthless. The people who sell PPL, claim it's priceless.

I notice there hasn't been a single person who doesn't sell it, that claims it works.
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#37 UPDATE Employee

Different plans have different benefits and it's important to fully understand them.

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

Robert,

You truly are a sad little man. Let me start by asking you a question:

Which plan did you have?

As you know there are several. Don't weasel out on me by saying it's whichever one was sold to me. Different plans have different benefits and it's important to fully understand them.

Next, Prepaid Legal is not insurance it's a service. They don't market themselves as insurance and specifically state that they are not an insurance product. You're car insurance doesn't pay for free oil changes and you medical doesn't allow you to call your doctor for free everytime you sneeze. The reason I state this your earlier comment about having insurance cut off but still being covered for incidents that took place when the insurance is in effect. This is not necessarily true. It depends on the contract and the laws governing insurance for that state. Several states, such as Georgia, are set up so when your insurance is cancelled you have a very limited grace period which only allows you a few days to file your claim after an incident and still receive coverage. On the other hand, a service, which Prepaid Legal is, may be revoked at any time when the contract is violated. If you're watching a mini-series on TV but haven't paid your cable bill and they stop your service, they don't have to turn your cable back on simply because you started watching the mini-series when the service was paid for. The same is true of your electric or phone. You want it, you've got to pay for it. If your Prepaid Legal Service was provided through your company you could still have the service once you were fired if you chose to. You made a choice not to keep your service, that was your decision...live with it.

Also, you make these wild claims of covering ALL this and ALL that. No Prepaid Legal Plan advertises FREE coverage of ALL of anything. The standard family plan offers unlimited free telephone consultation, not representation. Additionally, it covers defensable moving violations and specifically excludes DUI/DWI. You mention in one of your ramblings that your were charged with an aggrivated assault with a deadly weapon then spout off about guns and being on your A game. If all this took place after another driver pulled you over (I.E. you were at a dead stop) and you boys were playing guns, that's not a moving violation (Duh). Not to mention that Prepaid Legal does not offer ANY plan that will cover ALL job related legal expenses. What they do guarantee is that any service not covered for free, as specifically stated within your plan, will be covered for a 25% discount. I understand that most people tend to ignore the part about the discount and assume that it's all free but it just doesn't work that way.

By your own admission, because of your job there was a potential need for this service quite often. This conflicts with your argument that the average person only needs it a few times in their lifetime. If you have a driver's license, bought a car, have a bank account, have a credit card, have a job, leased or bought a house/apartment then you've signed a contract. Me personally, I sign about one contract a month. It's tends to be from internet purchases. I have my attorney's look over the fine print before I buy such stuff. The incidents I mentioned in my earlier post are all things that have happened in the last year and a half. I don't consider myself abnormal, yet crap happens. Most people take it because they can't afford not to. I didn't have to. My membership inspired me to want to sell this product to give my friends and family the same benefits. Nearly all whom I have sold memberships to have used them and are now glad they have them. For this service to be valuable you don't need to have it as much as use it. Once you use it you'll find things that you should have handled through an attorney in the past but never did.

Ultimately, many of your statements are misleading and other are outright lies. My only hope is that you are lucid enough to see the lies and move beyond them. I can understand if you had a bad experience and would like people to hear about it, but you take it to a childish extreme. You make things up then challenge others for believing in a product that has worked for them. You spoke earlier of scanning the great effort PPL has put into people, let me follow up with this:

Scan your agreement so everyone can either see the truth your telling or the crap your spewing.

I know this is an empty challenge as we both know it would only support my position, but I am giving you the opportunity. I've documented my positive experiences and would be willing to share my new ones or those coming from personal friends and family. Just say the word.
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#38 Consumer Comment

How much did you pay for your PPL package

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

"How much did you pay for your PPL package?"

About $25/month back in the early-mid 90's.

"How many briefings did you go to
How many phone calls did you listen to
Did you think you could sit on your butt
and let PPL work for you

If you said yes to any of the above then PPL is
NOT for you Did you work with your upline to help you get started? Did you have any PBR's

See Robert if ya want something bad enough you will do what it takes to get there but if you DONT its nobodys fault but ROBERT's and this goes for all the other nay sayers here also."

You apparently have reading comprehension problems.

I was NOT a salesweasel for this Snake-Oil. I was one of the millions of unfortunate victims who was told it would do something(anything would have been nice) that it would not, under ANY circumstances. EVERY truck company in this country was sold a bill of goods with this Volcano Insurance. Truck drivers need legal counsel more often than the typical person, and this waste of money covered nothing at all.

Believe it or not, not every idiot who buys your Volcano Insurance, sells it to someone else. The vast majority buy Insurance so they have protection when they need it. The worthless piece of paper you sell to people does NOTHING but put money in your pocket, and the pockets of those above you. How amazing an Attorney dreamed this Volcano Insurance up.

Apparently, you are one of the scoundrels who pushes this crap off on other unsuspecting victims. Only someone who has as bad a comprehension problem as yourself, could possibly sell it. The rest of us know words have meanings, and actually expect the policy to do what it says IN WRITING!

It NEVER did. Learn to read.
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#39 Consumer Comment

How much did you pay for your PPL package

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

"How much did you pay for your PPL package?"

About $25/month back in the early-mid 90's.

"How many briefings did you go to
How many phone calls did you listen to
Did you think you could sit on your butt
and let PPL work for you

If you said yes to any of the above then PPL is
NOT for you Did you work with your upline to help you get started? Did you have any PBR's

See Robert if ya want something bad enough you will do what it takes to get there but if you DONT its nobodys fault but ROBERT's and this goes for all the other nay sayers here also."

You apparently have reading comprehension problems.

I was NOT a salesweasel for this Snake-Oil. I was one of the millions of unfortunate victims who was told it would do something(anything would have been nice) that it would not, under ANY circumstances. EVERY truck company in this country was sold a bill of goods with this Volcano Insurance. Truck drivers need legal counsel more often than the typical person, and this waste of money covered nothing at all.

Believe it or not, not every idiot who buys your Volcano Insurance, sells it to someone else. The vast majority buy Insurance so they have protection when they need it. The worthless piece of paper you sell to people does NOTHING but put money in your pocket, and the pockets of those above you. How amazing an Attorney dreamed this Volcano Insurance up.

Apparently, you are one of the scoundrels who pushes this crap off on other unsuspecting victims. Only someone who has as bad a comprehension problem as yourself, could possibly sell it. The rest of us know words have meanings, and actually expect the policy to do what it says IN WRITING!

It NEVER did. Learn to read.
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#40 Consumer Suggestion

To Robert in FLA.

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

How much did you pay for your PPL package?

How many briefings did you go to
How many phone calls did you listen to
Did you think you could sit on your butt
and let PPL work for you

If you said yes to any of the above then PPL is
NOT for you
Did you work with your upline to help you get started? Did you have any PBR's

See Robert if ya want something bad enough you will do what it takes to get there but if you DONT its nobodys fault but ROBERT's
and this goes for all the other nay sayers here also

Danny Nashville Tn.
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#41 UPDATE Employee

not exactly a part time job

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

Here's my 2-cents:

For the past 5 years or so I have entertained the thought of becoming a pre-paid legal associate. Ive been to numerous meetings, listened in on numerous phone calls, and have done untold amounts of research on the company. I currently am the Gen. Manager of a company that works with close to 30,000 rental properties accross 3 states. Needless to say I already have a job I love and just like the rest of a lot of you... I am a very busy person. The owner of the company I work for and I are close on a buisness basis as well as a personal basis... and we are always looking for other streams of income to supplemnet money we are already making that we might be able to invest in together. Well we finally took the PPL plunge and decided to start up our associate memberships.


Up to this point, our upline had told us many things about how we get paid, what we need to do to continue to make money and the best way to grow the amount of money we could make. Keep in mind also that I was and still somewhat am a firm believer in the PPL services...AS LONG AS THEY ARE PRESENTED TO POTENTIAL CUSTOMERS CORRECTLY!!!! This is one key problem that I see with associates of PPL is lack of training and lack of knowledge of what is being sold---too much focus on making millions and not how to do it the right way. Anyway, the same night we became associates, we already had 10 other people to register under us in line ready to go so that we could jump into a manager position immediately and make the maximum dollar possible for the memberships and associates we brought to the company. Our whole purpose of getting into this was to gather a large number of people under us that we could train properly and have them selling for us constantly while we were tending to our current responsibilities, Basically making money from the training we were doing and not the day to day pounding the pavement.

So yeah we wanted to get in make some quick money... then let others do the work for us and make residual income off of what they did... THIS IS THE WAY OUR UPLINE TOLD US WE COULD DO IT..... so that it would not interfere with our current buisness and the time it requires. Now after the initial nicities and hand shakes and congrats.... the whole picture started to unfold... like that if one of the people you brought in gets to the same level or above you... you cease to make any income off of that person... so that means you have to constantly be recruiting, bringing in fresh meat if you will... so that you always have a new stream of people under you. We wanted to build a good solid team of about 10 people... train them and stick with them so that any people they brought in would be trained by us as well and we all would make money off of each other. Lets face it... thats all any MLM company is about... making money... but if your going to present this as a part-time way to make a large amount of residual income, let it be known up front that if you dont constantly recruit, there wont be any LARGE in front of your INCOME.

We feel that we were told half truths by our upline just so we could sign all 12 of us up so that she could get a quick buck. Not saying its like this everywhere but thats a lot of friends and buisness associates that I feel I screwed over because I didnt have the proper information from what I thought was a reliable source and I dont like being made to look like a fool.

I wont continue to put all of my issues out there because that would take a while..but this was the main one!

In closing I'll say this: PPL is not a screw-u-over, fly-by-night scam like others out there. Its a great concept and can work very well if you have the time to put in it. But PLEASE... to any current or future associates, managers, directors and above: TRAIN YOUR PEOPLE!!! DONT SEND OUT BAD REPS WITH BAD EXAMPLES!!!! PPL IS what it is REPRESENTED by. and if your company is represented by foolishness and ignorance than that is what your company will be. Once I have more time to involve myself in the whole thing I plan to get back into it...but right now I have a seriously bad taste in my mouth that I wouldnt have if my higher ups would have just been honest.
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#42 UPDATE Employee

Third Party Credibility

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

Directly:
I've been an independant associat since the first of the year. The first 2 months I didn't do anything I was told to do. Guess how much I made? The 3rd month I realized what I was earning was somehow related to my efforts - I started doing what I was told - I made a couple of hundred dollars. Last month (and this month) I've focused my efforts on following the "success system" touted by those who have made the income I want to - yes, six figures - and have seen my income double. The "trend" (earnings based on activity) tend to do that in a MLM organization - so I have every reason to believe they will double and double again every month or two. (NOTE: Read The Slight Edge by Jeff Olson for a better understanding of the concept of "duplication" - used by every franchise in America and around the world today.)

What we make is directly proportional to the effort we put in, the system we use, and our level of belief in what we do. The system is extremely simple - shut up, give the prospect a tool (magazine, DVD etc,) follow up in a couple of days to find out if they're interested, if they are connect them to someone that's been in the business longer than you have and see if they want to get involved. Anything more than that is "convincing" and yields people who write RIP-OFF reports, spitting fire at the company because it didn't work for them. Belief in what you do is what separates the 95% from the successful in ANY MLM industry. Recruiting someone that doesn't believe in the product you're distributing is like hiring a demolitions engineer to run your construction crew - counterproductive.

Indirectly (or For the "Pyramid" squawkers):
Pre Paid Legal is listed on the NYSE (PPD). Membership on that exchange is by invitation only - you must have a proven record of profitability and stability before you are even considered. They don't invite pyramids (since pyramids are illegal), and something tells me they may do a little research on the companies they invite.

The service is offered by the federal government as an employee benefit, and by several cities across the country as well. Most of the firms that represent our clients are run by former Attorney's General of their respective states. The company (and product) has been featured in national financial publications such as Fortune, Forbes, Money, Entrereneur World, Black Enterprise, Equities, ad nauseum. Please, feel free to look up any of this information and verify it. With 34 years under their belts, being pioneers in the legal services industry, and a national network of firms, I'm hedging my bets that Pre Paid Legal Services, Inc. will be around for a while.

If it's not for you, that's fine. If you don't trust it, I wouldn't dream of forcing you to. If you think your opinion means more than the business publications, financial advisors, and government investigation agencies that have looked us over, congradulations: you've found your venue.

Finally:
Those that have succeeded in the company have done so by using a specific system - clearly the system works. The company stands a head above anything I've ever seen - try evaluating it on the Harvard Business School's model and you'll find out where it stacks up - clearly the company works as well. The only variable involved with your success as an independant associate is...well...you.
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#43 Consumer Comment

several thoughts

AUTHOR: Zdenek - (Canada)

Firstly I would like to let you know how I found about this threat. I searched on google for "does prepaid legal exist in Europe" I did not find relevant results. I am from Europe myself from the Czech Republic and I have never heard of prepaid legal type of service in Europe. In fact, I have never heard of prepaid legal here in North America until one of my formal classmate called me one day telling me that he has a great business opportunity for me. I was very surprised because I have never heard from the guy before. Anyway, here are my thoughts about prepaid legal and whether it is good to sell it.

I am pretty sure that you can make great money selling prepaid legal, I am also pretty sure that you can make great money selling realestate. I am pretty sure that lot of people who sell prepaid legal don't make any money, as I am pretty sure that lot of people who sell realestate don't make any money. There are people who are great salesman/women and there are people who are not.

I thin k that for most things prepaid legal is pretty useless. I called them twice asking an opinion about certain issue one dealt with an immigration law and the other was a problem with an airline. Both calls were handled by the same woman, so I am pretty sure that she does not specialize in exclussively one type of law. Many specialized lawyers offer free consulatation time, and it can be disputed whether the prepaid legal discount for your case is actually the best price on the market or not.

Having said that I think that there are cases where prepaid legal can be off benefit to people. Most people do not have time and money to hire a lawyer. Therefore they are more likely to give in to someone who has a legal representation or who appears to have one. Let us say that a garadge owner screws up your car repair and than he tries to screw you over, if you complain to him he will probably brush you off. However, if he receives a letter from a law firm he is more likely to give in to your demand simply because he may not have time and / or the money to go through the courts. Those are procisely situations where I think prepaid legal is useful. For some mondain stuff.

Here in Canada the cost of prepaid legal is about $26 I believe, my x girlfriend told me that cost of a will is about $75. 26 * 12 is 312 so instead of paying $75 for your will you pay $312. But as I poiknted out those letter can be very beneficial to you. So question for the prepaid legal sales guys what is the prepaid legal called in Europe, how come that I can't find any info? Thanks.
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#44 UPDATE Employee

My Title I Experiences

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

I can't speak for everyone but I've had a lot of
benefits from the my use of the Title I benefits. So far PPL has helped me on the following issues.

1) Had a false damage claimed dropped when a car rental agency claimed I had damaged their car day's after turning the car back in.

2) Got the Navy to turn over my DD-214 when the administrative staff refused to turn it over.

3) Helped me on several moving violation, most became warnings shortly after I handed over my Legal Shield card.

4) Reviewed my lease when I had it removed. Saved me over $75 dollars a month in hightened rental fees and added expenses that the apartment's parent company wanted to have me pay.

As an Independant Associate for nearly a year I currently make about $300 a month, though I admit that I spend very little time on it. For the time I do invest I am pleased. I have two associates under me, both of whom I make myself available for. They both make more money than I do and will shortly move above me within the company.

As a former Yeoman and Legal Clerk for the US Navy, I've seen first hand the types of issues that people face, many encountering legal situations regularly. I certainly don't consider myself abnormal, yet in my own life I've encountered four situations in which I used my attorneys within one year. Without PPL I would have had to suck it up and allow myself to be mistreated and ripped off. It only worked because I used the service the moment these issues arose and did my part to keep my situation from becoming a problem. The goal was to never go to court and thus not need attorney litigation.

On a side note: Many have referred to PPL as a pyramid yet modern business is the ultimate pyramid. You take any business and you'll see a few Corporate Execs on the top with multiple layers of people underneath until you reach the lowest and largest layer which is your employees. Walk into any store and you'll find a hundred employees with a dozen deparment managers above them, a few assistant managers above them and a store manager above them. Take it higher and you a smaller layer of district managers, a smaller layer of regional managers and so on. With many years of labor and work you may move up a layer or two but nobody gets employed to run a register then finds themselves running the company a few years later. I've known some who've worked 20 years at places and they're still on registers. If it makes them happy, good for them. The BOTTOM LINE: If you have a traditional job than you're either a willing participant in a pyramid and have no business complaining or you've allowed yourself to be duped and should add a few IQ points to your resume before judging the endevors of others.
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#45 UPDATE Employee

My opinion

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

To answer the original question. I have made anywhere from nothing to $500 in a month. I have been working extremely part time so I don't expect more. That being said, I have started devoting more time to my business and am looking to close a few groups in the next month or two which should earn me anywhere from $1000-2000. Bottom line is you usually get out what you put in. If people want to bash the legal plan and the company, that is their right to do so. It doesn't make their opinion any more valid than mine or any less (if they have their facts straight). I can't think of a company alive that doesn't have disgruntled ex-employees or customers. Some people are oriented towards the negative and have nothing better to do than gripe about how this or that is a scam or a rip off. Too many people expect something for nothing and don't take the time to understand what they are getting involved in. I'm wondering how many people who are slamming the company are actually successful in running any other sort of business. Anyhow, this is just my opinion. Take it or leave it. Oh, yeah one last thing. When I think of a pyramid, I think of traditional management structure where the CEO earns the most money off of the efforts of the lowest in the company. In a system like that, there is no room to move up or ever outpace the CEO. Such large pyramids like Microsoft and Coca Cola come to mind.
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#46 UPDATE EX-employee responds

Such is MLM Life

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

Well, here's my rebuttal

Anyway, I was a PPL Associate. My goal was to let people know that they were NOT stuck without legal representation. Sorry about your situation, Robert. Not sure how Florida handles PPL.

I was not interested in the pyramid; I mean the MLM end of the business. My upline, Brian Az, was not interested in helping me in sales, nor was he helpful in pointing me in the direction of someone who would help me in this respect. There were so many rules by the company to market this product that I never really saw anything in the supplies that acted as a guide.

Yeah, I didn't do anything because quite frankly, didn't want PPL's big bad lawyers on my butt if I sold this the wrong way!
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#47 Consumer Comment

It Is Very Legit

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

I am an Independent Insurance Agent for a very large insurance company. My girlfriend worked in an office as a office manager for a large non profit company. I received a phone call from her asking me if I had heard of PPL. Seems she just signed up for PPL when she heard of the products and wanted me to talk to the sales guy about possibly joining ppl. We met and I watched their presentation. Because it's direct sales and multi level, they recruit rather than have large offices and tons of overhead. I am pretty established with my company so I decided to hold off a bit. Well, we had remodeled a few months earlier and got screwed on almost every aspect from the back ordered flooring, to the sinks that were cracked, countertop, screen doors etc etc etc.. We went back and forth to change faulty parts so many times. We spent hundereds of dollars in Gas alone. We got so tired of the phone calls not being returned, run around over and over and over. We decided to call prepaid legal. They called us in 30 min. We explained and they sent a letter. We had a gentlemen out at our house Tape measure in hand wanting to do whatever it took to satisfy us. We were very excited about PPL. We realized we literally saved thousands of dollars on what an attorney would have charged to sue them. Everything was handled with perfection.

I drive a large luxury car. I was excellerating and the engine seemed like it blew up. The Tow truck driver asked me if I blew an intake manifold? I said I had no idea but needed it fixed. We got to the service garage and the Owner asked if I blew the intake manifold? I said I had no idea. he looked under the hood and Yes, it was the intake manifold. I looked online and saw lots and lots of info about them making them out of plastic. Class action lawsuits etc. I called the company many times different locations etc. They had never heard of that problem. I called Prepaid legal. They did the research and gave us the information we needed to get a complete refund for the repairs. We were so impressed, that My girlfriend quit her office manager position to begin selling PPL she now sells PPL full time.
As with any sales job there is a learning/survival curve. We went to the annual conference in Las Vegas and met countless people who all had different stories. What impressed us most is the amount of successful minorities. We saw many many many people who are very succesful because they did not give up. There are many single parents with 6 figure incomes. My Girlfriend became a manager in less than 4 months and yes, it's a tough job but you are building residual income for life. If you work as hard as you can for the next 3 years for a company, or you work as hard as you can for yourself, who do you think will be better off in the future? It works!!! Not only as a customer, but as a carreer. We know for a fact that it is legit, and the money you can make is only limited by the amount of work you put in. We used it twice before ever becoming involved in the sales part of it. If you believe in yourself and want an opportunity to earn unlimited income. Take a chance. I honsetly believe in it. If you work hard, you can make 6 figures in 2 years or less. To the girl who is not very supportive of her boyfriend, What the hell are you thinking? The best thing you could do is encourage and support him and when he succeeds, share the joy with him. The world has more negative people than it needs. Be a success. We're hoping you'll attend one of the meetings he should be going to. Ask questions. People putting those meetings on must be making money, right? Good luck.
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#48 Consumer Suggestion

My two cents..

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

Every household will have it.. you need it? give me a break. like it has been said before in the thread "Once again, what do you expect for $26 a month?" EXACTLY! nothing.. you get some advice on purchases, real-estate, and whatever.. The fact is.. the average person does not and will not ever really need it. I dont have it.. been through some rough times, traffic tickets.. lets see 15 years 26.00 a month about 5000.00 bucks.. even after a divorce attorney, child custody.. was still less. yeah I came out on top you could say.. or even lucky.. but PPL would offer me "the preferred member discount"..From what I understand.. for the divorce and child custody..

Like every other insurance out there they are in it for the "MONEY" not to help you or give you something for free. I am sure PPL may be able to help me in this life time once or twice.. but lets do some simple math.. 26.00 over 45 years.. if I had it that long.. heck with interest that could pay for my food for a year..

Car insurance.. yeah makes sense.. I have a 20,30,50... thousand dollar investment out on the road every day.. I could be hit, I could get into an accident.. but my auto provides me with most of what I need..would I need a lawyer? most likely.. yeah I would get a "DISCOUNT"... Wal-Mart offers discounts.. I think you get the idea.. that fact is .. when "Every Household" has PPL .. lawyers wont have time to call you back.. and the fact is most likely it is not the attorney calling you in the first place..

So in the end it may be good.. but besides little legal matters it really isn't much more then a piece of mind then anything.. and I can get that on my own from just reading what I sign, paying attention when I am driving, and just being aware... That's just my two cents
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#49 Consumer Comment

Pure brilliance Edwin

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

"Because I tried it and I can tell it works if you use it the way it tells you to use it. Same thing happens to a car if you try to drive your car on water, what's going to happen? cars are for roads. Boats for water. It is so logical."

Stunning at the very least. Here's the problem. When you pay for something that is sold to you as "covering ALL legal issues connected with your job" and then you find out that it covers NOTHING, you have been ripped off. This bit of thievery affected over 500 company drivers, and another 500 Owner Operators at the trucking company I worked for. PPL sold this crap to all the truck companies, and made a tidy fortune doing it. They pulled down $$Millions$$ every month from the truck companies alone, not to mention other businesses, and paid out $$ZERO$$ in return. Nice. What a gyp.

I can go to Staples and get the "Will in a box" kit. I can fill it out, get it notarized, and filed in the Courthouse myself. Costs less than $20 total...and it's just as useless as the one PPL will do for you. Proper estate planning requires more than a few sheets of paper. I can read a lease agreement myself too. From what I have read in ROR, these are about all PPL will do for you.

Tell ME again, how PPL is NOT a ripoff. I want specifics...and PROOF! I don't want you to tell me how great they are. I want to see the proof. Scan the great efforts PPL put forth to save your a*s from the other side of ANY legal issue. Remember, this is EXACTLY what PPL sold itself to millions of truck drivers, and other professionals, as doing.
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#50 Consumer Suggestion

rip off ? or not.

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

Well I think I have read so much about the company itself and everthing seems to be good and it also seems to work as well. The fact is there is people making money out of this called Pre-pail Legal services and there are some other ones that do not do nothing else than just talk without any facts. My facts are stated in that I personally tried the services of PPL and to be honest I think they work. I called the 1 800 number given on the back of the card, and my concerned was about 3 timeshares that I owe. This people from PPL they called me back. One of the calls within 8 hours, the second call next day and the third call it was from an attorney in the State of Nevada. I did not see not bill neither I had to pay any extra than the 26 a month. I did my research over the internet, and to be honest; there is a lot more than just to pay 26 a month. So think about it. Have you tried this before? yourself? or somebody else? Because I tried it and I can tell it works if you use it the way it tells you to use it. Same thing happens to a car if you try to drive your car on water, what's going to happen? cars are for roads. Boats for water. It is so logical.
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#51 Consumer Comment

Nicole - Cleveland, Ohio - Can you say "predatory lending", "loan sharking", etc.?

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

'They learned how to build their business from another millionare many people, like yourselves, don't know about (A.L. Williams)...'

That statement alone made up my mind on how I would (and do) feel about PPL.

I at one time did all the hiring for an agency of the 3rd largest insurance company in the US. Whenever a prospective agent, who showed promise in our industry, told me s/he was once associated with A.L.Williams, s/he might be hired only if they promised to UNLEARN all they picked up at ALW!

Can you say "predatory lending", "loan sharking", etc.?
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#52 Consumer Comment

Nicole - Cleveland, Ohio - Can you say "predatory lending", "loan sharking", etc.?

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

'They learned how to build their business from another millionare many people, like yourselves, don't know about (A.L. Williams)...'

That statement alone made up my mind on how I would (and do) feel about PPL.

I at one time did all the hiring for an agency of the 3rd largest insurance company in the US. Whenever a prospective agent, who showed promise in our industry, told me s/he was once associated with A.L.Williams, s/he might be hired only if they promised to UNLEARN all they picked up at ALW!

Can you say "predatory lending", "loan sharking", etc.?
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#53 Consumer Comment

Nicole - Cleveland, Ohio - Can you say "predatory lending", "loan sharking", etc.?

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

'They learned how to build their business from another millionare many people, like yourselves, don't know about (A.L. Williams)...'

That statement alone made up my mind on how I would (and do) feel about PPL.

I at one time did all the hiring for an agency of the 3rd largest insurance company in the US. Whenever a prospective agent, who showed promise in our industry, told me s/he was once associated with A.L.Williams, s/he might be hired only if they promised to UNLEARN all they picked up at ALW!

Can you say "predatory lending", "loan sharking", etc.?
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#54 Consumer Suggestion

EX ppl customer and associate. Big Mistake.

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

I too purchased Pre-Paid Legal at one time and decided to join their association and sell the product. Big Mistake, First let me point out I have been Quite successful in the sales business for twenty years. PPL quite simply put IS A PYRAMID and thank god in Montana pyramids are against the law.(check your local state laws) If you want to make money thats leaglly and MORALLY acceptable THEN STAY AWAY FROM PYRAMIDS. If you like to give money away then go for it, infact invest your money in a chain letter I hear they will make you $500,00.00 in just six months.....
OH YEAH, I am no longer with PPL"you can fool all of the people some of the time and some of the people all of the time but you cant fool all of the people all of the time." I woke up.
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#55 Consumer Comment

What is it really worth?

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

You have a way of hitting the nail right on the head sometimes, Robert.

The rebuttal before your was accurate, and therein lies the problem.

When people think about legal help they think about some guy getting them out of trouble or prosecuting a lawsuit.

But PPL, as a practical matter, affords neither of these services.

The preventitive services that are provided are of very limited value to the average consumer.

The free will is nice, but not that valuable. Effective estate planning requires much more than a will. Furthermore, most people who only need a will are actually better off without one. Every state has a set of laws that dictate the distribution of estate property in the absence of a will. The great majority of the time, these laws provide for the exact distribution that people put in their will. But a written will opens the door to contests and litigation, whereas distribution under state guidelines is usually nice and clean.

Most consumer contracts are "take it or leave it," and each respective industry/market uses the same basic boilerplate language in their contracts. In other words, if you're buying a car, the sales agreement with Lot A will generally be the same as with Lot B, and the terms are un-negotiable. So you can either buy a car under those terms, or you can buy yourself a bus pass. There is thus little value to the assistance of a lawyer in most consumer transactions.

Larger transactions, such as real estate purchases, are generally too rare for the provided services to benefit most consumers.

The ID protection protects people from a rather improbable occurence.

Etc.

Before sliced bread, the best thing was boiled pig snout. Thank god for sliced bread.
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#56 Consumer Comment

You have to love this PPL nonsense

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

Everyone who sells it claims it's the greatest thing since sliced bread.

Everyone who bought it says it's useless and a big scam.

PT Barnum was right.

By the way...What was the greatest thing before sliced bread?
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#57 Consumer Comment

You have to love this PPL nonsense

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

Everyone who sells it claims it's the greatest thing since sliced bread.

Everyone who bought it says it's useless and a big scam.

PT Barnum was right.

By the way...What was the greatest thing before sliced bread?
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#58 Consumer Comment

You have to love this PPL nonsense

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

Everyone who sells it claims it's the greatest thing since sliced bread.

Everyone who bought it says it's useless and a big scam.

PT Barnum was right.

By the way...What was the greatest thing before sliced bread?
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#59 Consumer Comment

You have to love this PPL nonsense

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

Everyone who sells it claims it's the greatest thing since sliced bread.

Everyone who bought it says it's useless and a big scam.

PT Barnum was right.

By the way...What was the greatest thing before sliced bread?
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#60 UPDATE Employee

To fully use a pre-paid legal plan, you must understand the value of counsel and advice.

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

Despite all this talk, there is no mention as to the true benefits of having a Pre-Paid Legal Plan.

I understand you are angry and want to be heard, but the value of the service is something that is very subtle.

To fully use a pre-paid legal plan, you must understand the value of counsel and advice.

With a prepaid legal plan, a person has unlimited access to an attorney who specializes in a particular area of law, so if you have questions about real estate, taxes, immigration, consumer or criminal law, an attorney who specializes in that area can counsel you.

They do not "fix" things unless they are fixable.
People sometimes get into big messes because they do not think. Another reason for big messes is because they do not have proper information to make decisions that will affect their lives.

That is why a prepaid legal plan is so vital. Now, with a prepaid legal plan, a person can call an attorney who specializes in a particular area, consumer, estate, RE, etc, and can get advice BEFORE they make a move. They can have documents reviewed BEFORE they lock themselves into an agreement or contract. They can get their business in order BEFORE the state gets a hand on their property by having a fully comprehensive will prepared without paying $600-800 dollars.

The true value is in the Preventative Services. And the Legal Shield with 24-hour Emergency Access to your legal representation is a godsend. Now you can show your legal shield to any law enforcement in situations where you feel you are being taken advantage of, or just plain scared. Your attorney is on YOUR side.

Remember, in a PPL plan, the attorneys are paid large sums of money from the corporation, so a member is not some Joe-Schmo. The Member is treated with courtesy and attention, but no one can protect a Member from his or herself.

Are you going to take care of yourself before a heart attack or are you going to have the heart attack first? Will you make it out alive after?

Hope this sheds some light.
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#61 Consumer Comment

PPL- worth every penny...

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

Actually the law firms who are involved with PPL are top rated in "martin-dale hubble". I'll ask you this- Would you of hired Johnie Cochrane to represent you? Because he was a provider attorney for PPL. Just goes to show you what type of attorneys are really involved.

You said, "any company that sells a discounted plan is not on the up and up".
How is a company not on the "up and up" being a 33yr old publicly traded company who's founder/CEO is considered "one of the most powerful men in the insurance industry", who has top rated law firms in the country involved with them, who has been asked to provide their services in Europe, who has teamed up with the worlds top risk management company (Kroll, INC) to offer [true] identity theft protection (not just credit protection like other plans), who is the only company that restores your identity and credit in the case that it is stolen, who has over 60 millionaires in the company as associates and are only at 2% market penetration, who has tons of states attorneys, celebrities, etc involved with the company- I mean I can go on, but I'm sure you get the point.

Is the legal plan for everyone? Perhaps not, but anyone with a social security number which is everyone, needs to protect themselves from identity theft- it's the fastest growing crime ever! And there is no other company out there that does true identity theft protection. Other companies do credit protection and call it "identity protection". A lot of people think that identity theft means credit theft, but in reality credit theft makes up only 25% of identity theft.

$35 a month to have 24/7 legal access and identity/credit protection/restoration is very well worth it! It's worth hundreds, especially considering how much it costs the average identity theft victim to restore their identity and credit; according to the FTC it costs $1500 - $3000, 600 hrs of attorney services (at $200+ per hr) and takes 3 - 7 yrs to restore. You do the math, now do you think PPL is worth it?
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#62 Consumer Comment

I had Prepaid Legal - once

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

I bought into the prepaid legal plan back in 1999, didn't have the will done, but did need to use the service last year (2004) - only then did I find out I'd been sending them $25.00 a month for NOTHING! Absolutely NOTHING! I needed an attorney for a prenuptial agreement, I thought maybe it would cost about $200 tops! Ha! Wanted $800 (and that was supposed to be a discounted price!). This Prepaid Legal is just another scam by a lawyer!
I have decided that ANY company selling a "discounted" plan for ANYTHING is not on the up and up. Take that same $25 a month and put it in a savings account, over time, you'll have a nice size nest egg instead of the "Associates" or the lawyers.
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#63 UPDATE Employee

Talk about a company only after you have researched it throughly!

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

Prepaid Legal Services, Inc. has been the catalyst for a number of people I know personally to have financial freedom. They no longer work a 9 to 5 like most of you. They own their own business! They are in a whole different quadrant then you. Most of you are speaking harshly about a lifestyle you were not educated about. You can only understand this company fully if you research with an open mind and are willing to actually do some work. Most of you are too lazy to get off your butt unless something bites you hard enough! Upon entering this mind frame of how to own your business you cannot and will not do it on your own. You must be affiliated with a wonderful and supportive team. I learn how to build my business by a couple that have built their team from the ground up. They are MY "Coaches" K&YC. My "Coaches" started in PPL 9 years ago with a 3 bedroom house and 6 children and now they are millionares in the because of PPL. They learned how to build their business from another millionare many people, like yourselves, don't know about (A.L. Williams). One thing I have come to understand about this business is that you must re-educate yourself to think like a business owner NOT an employee. I AM on my way to making enough money to be able to be a full time mom and I will use PPL to do that. Some ask "How we get paid?" If you really want to know ask a PrePaid Legal Services, Inc. Independant Associate, like myself, who is on the second largest team in PPL. The Team that is soon to be the #1 Team in PPL.

Oh, The membership does work. Any idiot can see that!

Wide Or Die!
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#64 Consumer Comment

SHOW ME THE SCAM? PLEASE!

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

Will somebody please prove to me how PPL is a "scam"?!?! You sell the membership, you get paid- PERIOD! I just don't understand what about that is a scam? Yes, there are reps that over exaggerate, but you have to go by facts not some money hungry shady associate. And just because a company has some shady people involved doesn't make it a scam. I just can't see how a scam can last over 33yrs, be publicly traded and be partnered up with another 30+ yr old, publicly traded company who does tons of work for almost every country's government (Kroll Inc.).

As far as the service goes- Every time I've needed legal help, they were right there and very professional. But I guess it depends on the law firm, I'm sure there are some crappy firms involved with PPL and they give PPL a bad name. I receive a questionnaire every six months from PPL asking me to grade my provider law firm and everyone I have dealt with from the firm. I guess I can only speak for the law firm in CT, and they are excellent. Also before having a PPL membership I never new my credit score nor did I know what was going on with my credit reports, who was pulling them, reporting to them, etc. now I receive regular e-mails telling me that info. And I know that if or when my identity is stolen I don't have to worry about doing all the leg work, hiring a lawyer, putting out thousands of dollars and waiting years to restore my identity and credit. PPL has Kroll INC do the restoration, all that I have to do is sign a paper.

Just that stated above alone is worth much more then $35 a month and I didn't even mention all the legal issues it covers. So please tell me how PPL is a "scam"?
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#65 Consumer Suggestion

A few comments...

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

Firstly, I don't know how PPL operates now, but about 6 or 7 years ago, they were completely useless. My now ex-husband signed up with them and told me how this was a good idea in case we needed legal advice. Well, there came a time that I did need an attorney for some motor vehicle issues so I called the toll-free number on the card, gave the membership number and name and was given contact info for a law office in my area. All seemed well until the "lawyer" showed up at the courthouse. I put lawyer in quotes because I am not 100% certain he was a real attorney. Anyway, this guy was anything but presentable, didn't seem to know what he was doing, and left so quickly after my case was heard that I almost didn't know he had been there at all. I could have a done just as poorly by myself.

Now, as to the MLM/Network Marketing crap. Is there a standard script for "opportunities" that offer desperate people the chance to make six figures in six months? It seems that every rip-off report I've read about these companies, PPL included, have almost identical verbiage from their supporters. If there is in fact a script available, I would like to purchase one so I too can scam people into believing that I have all the answers, am the only one who truly cares for them, that their lives are meaningless without my guidance, and that if they just invest in my fool-proof plan, and work hard they can be millionaires like me.

Here's a tip to all those out there who believe they have found their guru in whatever MLM scam they're in. You can better your life yourself. You don't need to be led around by some bassackwards, money-hungry, manipulative jerk. If you are having self esteem issues, see a therapist.

I have to say in closing that it truly upsets me that there are still things like this going on. Oh, and to those who have "proven" that PPL is not a scam because they have been around for such a long time...just because something or someone has been around for a long time only proves that they are extremly good at scamming people.
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#66 Consumer Comment

member testimony

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

I'd like to thank the associates of ppl and congradulate the other members of this great benefit. I have been a member of ppl for 5 years. I pay $25 dollars every month and feel as if I'm the one getting over on the ppl company. For $25 a month I have used my membership at least 7 times for traffic violation alone. I mean on at least 7 occasions I had a lawyer physically acompany me in court to dispute a traffic ticket. On five of the traffic disputes I walk out of the court paying nothing, not even court costs. Two of the disputes I did have to pay court costs ($17 each). I'm not sure how they determine when court costs have to be paid and I really don't care. Let me also say, I had a will prepared and a few contracts written for me by my provider attoneys. I recently asked my friend's mother who is an attorney, what she would charge to do a will and one contract. She mentioned a dollar figure and I honestly though she was making a joke. I really did not know how much of a value ppl was until just recently. The way my luck is it would be stupid for me to be without ppl. I can't afford not to have it.
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#67 UPDATE Employee

To all PPL associates

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

First of all, congratulations to Sal, Denny, Lori, and all the other associates who see it like I do. To all the haters... whatever. Trust me, we associates are happy that you dont see this opportunity like we do. We are the ones who want more out of life. Dont worry, we still need janitors, garbage men, cooks, waiters, landscapers...(and truck-drivers) the list goes on. As for us, we'll be paying them minimum wage for the rest of their lives simply because we chose to live more productive lives, and not trade our time for money. Prepaid legal will be a household name in 5-6 years, trust us. Associates, dont listen to them, continue to do what you do... see you all at the top.
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#68 Consumer Comment

Who buys prepaid legal?

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

I know of only one person that buys this stuff, and he buys it because he's always doing something illegal and thinks it's going to get him out of something when he's finally caught. When it happens I'd be glad to let you all know how it goes. Personally, I think he's an idiot.
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#69 Consumer Comment

I'd like to hear from people who bought PPL

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

Some of the lawyers I use to work for (we're talking mid 1990's here) would not take calls from the potential clients if they were PPL members. They wouldn't even take the calls from the PPL seller. I always wondered about that. Cut to 2005, I am a member of a "pre-paid legal service" but it is NOT PPL. Its a different one that I decline to name. I'm going to drop them next year when the contract expires because I rarely am sucessful in getting an attorney on the "participating" list to call me back.

I would be interested in hearing feedback, not from the PPL sellers, but from the clients themselves, as to how they feel about the plan. I'm shopping for another company other than my current one and would like feedback.
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#70 Consumer Comment

PPL Business

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

Hello Rhonda,

Good-Luck with PPL! I am also an independent associate and I love it. One thing I really like about PPL is, unlike true MLM companies, with PPL you can make money through the sale of the product not just by building a "down-line". But I have to say; if you are going to go full-time, getting involved with the MLM part is a great way to build your business.

I also do the group benefits, its a great way to reach a lot of people at once. Also with the new "facta" law, businesses tend to jump on offering their employee's the identity theft shield as an employee benefit mainly to take the liability off of them. I'm also going to show the teacher's plan to the board of education. There is just so many ways to make money and build a PPL business, it's just to bad that people don't see that. They rather listen to negative, ignorant people and never learn about the excellent opportunity.

Again, Good-Luck! Take care...
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#71 UPDATE Employee

I Am An Independent Associate With Pre-Paid Legal

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

I am an independent associate with Pre-Paid Legal and I love it. I earn a couple hundred a month right now but I am looking to do the business full time. I do not do the MLM part of it, but may in the future. I use the service often and it has saved my husband and I alot of money with a child support scam. My husband got Pre-Paid through his employment as a benefit, and that's how I came to know PPL. I loved the service and became an associate. I am looking to do the group benefits as my full-time field with the company. There are 3 ways to make money with the company, 1. The one on one sales, 2. group benefit sales, and 3. the MLM part of it. I went with one on one at first, but am growing ito the Group sales. The MLM is on the back burner for me.

You can make money with it, but it depends on you and what you put into it. If you sit on your butt and expect sales to come to you, you wont succeed. You have to work at it. IT IS NOT a "get rich quick" scam. The money you make is up to you and you alone. It does not matter what anyone else makes with it, they may do it full-time or part-time. It depends on you.

But the simple thing is is , YES, you can make money with it.
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#72 UPDATE Employee

WHY ARE YOU WASTING YOUR TIME WITH THESE PEOPLE?

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

I stumbled on this site and I'm wondering why Salvatore and Denny are wasting their time with these people.

I am a brand new associate of PPL (6 weeks)and I don't mind admitting that I haven't made any money yet. The reason? I haven't put my foot forward yet. But I will. I know that network marketing is the wave of the future, and I also know that 10 years from now almost every household will have a Pre-Paid legal insurance plan. Personally, I am sick and tired of the corporate world mentality that you have to stick in a 8-5 job for 40 years and then retire, only to find out you don't have enough money to live on, and have to get a job at Wal-mart. I don't want anyone dictating to me my worth, that will be left up to me by how hard I work.

I have only one thing to say to Salvatore and Henry. Quit wasting your time trying to convince these people. You will never convince them. They are negative people only looking for the bad in PPL. You could be earning lots of money in the time you're wasting your breath on them.
As for me, I'm never coming back to this site again, just as I'm never returning to corporate America. If anyone wants to respond to this in your negative manner whoever you are, don't waste your breath. I won't be reading it. I'm beating the pavement selling memberships and recruiting, and looking forward to the life I deserve.
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#73 Consumer Comment

Glad you like me Salvatore

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

I got that volcano insurance idea from an episode of Family Guy. Amway is the mother of all scams and they've been around for well over 40 years. Social Security is a scam and it's been around for nearly 70 years. Longevity means nothing. Tucker built one of the finest automobiles ever made. Didn't make but about 50 of them. I use Carl as a reference because he's been in these threads as you well know. I did get the pamphlet when I(along with about 500 other drivers) signed up. What it said, versus what it would do, are two different things. If I tell you the repair on your car is covered by a warranty, you expect it to be so. If every repair I do for you has an issue and I won't cover it, are you going to believe anything someone else tells you about how great I am? I think not. I requested assistance several times for things PPL had in writing they would cover, and failed to honor their end. It specifically stated it would cover ALL traffic offenses, ALL job related legal expenses, ALL ALL ALL. It covered nary a one. Look out for the lava.
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#74 Consumer Comment

As always robert, with everything, its not for EVERYONE

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

*****I'll assume you sell this snake oil.****

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You are confused Robert. "Snake Oil" is something that is sold on the premise that its supposed to do something, but it doesn't do what it claims. PPL is not a fraud , nor are its products.

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******** PPL is useless to the vast majority of people. Most only need an attorney a few times in their lives, as I have pointed out.********

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As with life/home/car/fire/flood/etc insurance, its to "insure" that you are covered when the need arises. Many people dont realize how hard it is to obtain a lawyer or just to seek legal advice, even for everyday, mundane things

You dont just do "will planning" with your PPL membership. YOU can use your PRovider Lawyer to DO ANYTHINg. Need a contract drawn up? May cost you $400 in real life to do so ( or thousands, depending on what kind of contract ), the PPL membership can allow you to get that at a 20% discount.

I used my provider lawyer to draw up a bill of sale for vehicle I was selling over state lines. Why? To protect my a*s if the buyer should turn around and say something false.

I used my provider lawyer to GO OVER a mortgage loan and contract with the condo association so that I am protected.

They also went over my Car lease with Acura to make sure that I was protected.

PPL offers a great opportunity, and UNLIKE OTHER insurance types of business, YOU can take advantage of it. Unlike Car Insurance, when they will only cover you (or you see its benefits) after something happens, PPL allows you to take ADVANTAGE of the services NOW.

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***** It has been noted that PPL does not even handle ALL aspects of doing a will and estate handling. *******

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Which is why you talk to your provider lawyers to see what they can cover and if they can refer you to another firm to handle such requests under your membership. My provider lawfirm handles Real Estate, estate planning so its covered under my PPL membership.

And the membership benefits are outlined very detailed with your sign up and paperwork you receive as a member. Its in plain english that anyone with an 8th grade education can understand, about what they do cover and what will be covered at a discounted rate to their members.

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*****As for going to their site and reading "testimonials", yippeedoo. I can watch an infomercial and hear great things about canned hair. This does not make it so. Real life experience is the greatest advertiser around, and so far, I have met nobody who will vouch for PPL other that the dupes who continue sell this crap.********

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Then google them. What's so hard about "Prepaid Legal Testimonials" or "Prepaid Legal Opinons".

Not so hard for someone who wants facts and opinions, but are only relying on this site to form the basis of their libeling.

Haven't met anyone? Want to know why? there is only a 2%-3% market share of the PPL business in the United States. That means many people do not KNOW about it or what it has to offer.

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***** I can make up a website for my shop and type up all sorts of "testimonials" about how wonderful I am. It takes no great skill to do it. I have an attorney right now working on getting a forged DoT off my property in NC. This will cost me $1500. That's 5 years worth of dues for PPL to just tell me, as they told me EVERY time I needed legal counsel, "sorry...not covered".******

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You could have contacted another provider law firm to get a second opinion, or you thought that your situation was covered under the PPL benefits (which are clearly and precisely listed in the paperwork sent to you when you became a member), and that your situation would only be covered under their "discounted" rate?

Youve yet to clearly state your SITUATION, and since none of us ARE lawyers, we can't comment on why, when, or how the PPL membership would benefit you.

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#75 Consumer Comment

VOLCANO INSURANCE FOR SALE!!!

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

Robert, you are one of the most ignorant s****. />
Once again, what do you expect for $26 a month? It is your own fault that you didn't know what PPL covers. All you had to do was read the 5 areas of coverage that are in every pamphlet given to you, that is if you can read. And stop referring back to Carl for your information, do you have a mind of your own? But since you brought him up I'll say this; You said that he pointed out that PPL will cover somethings and not everything. Exactly, he's right and that is just what you are told. PPL is not for everything, I mean do you really expect absolutely everything to be covered for $26 a month? C'mon stop acting so stupid already! Maybe next time before you join up for something, you should take the time to read through the materials. So later you can't go cry and complain that you didn't get what you expected to get and then blame everyone else for your stupidity. I know, I know Robert, PPl is a scam. A scam that has been going on for 33 yrs and that is publicly traded on the NYSE. And you are the first person ever to figure PPL out. Wow, you are one intelligent individual, Robert! I guess it is all over for us now! Intelligent Robert had to go and ruin it for us!

Anyway, I do know a little bit about driven a truck, I have a cousin from New Orleans who drives for Land-Star Ranger and have drove across country with him a few times. But all you said was if you were "stuck". Well, all of us non-truckers aren't up on trucker lingo. "stuck" could mean broken down on the side of the road as far as we all know.

Also, I can go on and on listing people who are involved with PPL from celebrities to government officials to very well respected business men and women to states attorney's, etc. The list just goes on, but I spent enough time dealing with the ignorance from people like yourself in this forum. "Gots to go sell me some volcano insurance, never know when one mights erupt"!
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#76 Consumer Comment

Good for you Denny

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

I'll assume you sell this snake oil. PPL is useless to the vast majority of people. Most only need an attorney a few times in their lives, as I have pointed out. It has been noted that PPL does not even handle ALL aspects of doing a will and estate handling. As for going to their site and reading "testimonials", yippeedoo. I can watch an infomercial and hear great things about canned hair. This does not make it so. Real life experience is the greatest advertiser around, and so far, I have met nobody who will vouch for PPL other that the dupes who continue sell this crap. I can make up a website for my shop and type up all sorts of "testimonials" about how wonderful I am. It takes no great skill to do it. I have an attorney right now working on getting a forged DoT off my property in NC. This will cost me $1500. That's 5 years worth of dues for PPL to just tell me, as they told me EVERY time I needed legal counsel, "sorry...not covered". After being told NO every time I had PPL, I gave up on them. I paid the $1500, and will get back far more after the suit is done. If you are not working for PPL, then I am happy they took care of your needs. Do not be surprised if they did not take care of ALL of your needs though. As Carl in CA has pointed out before, PPL does the basics, but not everything. You have stated you are making serious money in HI. If so, you need more than the basics so your heirs won't be walking away with nothing, while the governments confiscate the bulk of your estate.
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#77 Consumer Comment

Robert, coming to a ripoff site wont get you the answers you want

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

I've used my PPL membership to:
draw up my living will, my will and who would ultimately have responsibility of my assets, bills, and posessions should I become incompacitated for whatever reason (medical). This alone, through a private attorney would cost me $600 - $2400 to do on my own. With the PPL membership, it cut that cost down to 1/3rd (meaning my membership fees).

you can't come here to find your answers. YOU have to go out and talk to those who have the membership and have used it. check out their website for testimonials (there are many to weed through)
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#78 Consumer Comment

Go sell your Volcano Insurance Salvatore

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

The reason truck drivers buy PPL is so if they are stuck somewhere, they can get the legal stuff handled locally and quickly. With an overweight truck(not covered by PPL), they have a choice...unload the trailer at the scale or sit forever. A truck can become overloaded due to getting fuel, and already being real close to begin with. The fine is still charged. Truck drivers get all sorts of fines and tickets that normals have no clue about. I got one in Cali once for the idiotic habit of allowing merging traffic to enter the freeway. We call that being courteous back home. In Cali, they call it illegal. That cost me $114(not covered by PPL). While you sit there, the cops look for everything else they can and start the ink running. Luckily for me, I had a legal truck(although the brakes were later recalled). I had another driver force me off the road in NM. That turned into an "aggrivated assault with a deadly weapon" charge against me. The other driver apparently didn't know how to have a proper gun fight. Here's another free hint to everyone...if you want to pretend you are armed by the way you are hiding your hand(and repeatedly tell the other guy on a CB you are going to kill him), don't be surprised if the other guy has his game on. That one in NM cost me $500 to be found NOT GUILTY(not covered by PPL). I have yet to hear from ANYONE or read in these threads either, any real person being provided an attorney for anything with PPL. I read all about you selling this crap and how great it worked for you. Here's a thought...go sell your volcano insurance Salvatore, you should be a billionaire in no time. After all, according to you, all it takes is hard work. Get busy, that volcano is due any time now.
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#79 Consumer Comment

SORRY IF I HIT A NERVE, TIM...

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

What's the matter Tim, did I hit a nerve? Relax Timmy, life is to short. But if you really have that much of a hard on for what I make, I'll tell you this; It takes me about an hour to make $200 and I work about 10 hrs a week, so you can do the math. Yes, it does vary at times depending on what kind of week I'm having. And I haven't even been with PPL for a year yet. One of my partners been with PPL for 6 yrs and he makes 15k+ a month, another partner has been with PPL for 10 yrs and he makes 30k+ a month. There are also others making 6 figures a month. So, you are telling me that you will make those numbers doing what you do? I doubt it.

The ones who don't make those numbers (the 98%) are the people who don't want to work for it or expect something for nothing, etc. and when they fail they want to blame it on everyone else (including the company) instead of themselves. Those people deserve to fail!

Motivational materials? PPL doesn't sell motivational materials, that is up to you to go get, if you want to better yourself. Besides my initial $49 investment, I have spent $100 on marketing tools in the past 6 months. Not bad for what I am making back, huh? And do you even know what a pyramid scheme is? Obviously not. How many pyramid schemes do you know of that have been around for 33yrs, that are publicly traded on the NYSE, that are in every business magazine available, that have tons of celebrities involved in the company, that is considered one of the fastest growing companies on the NYSE, that has one of the best stocks on the NYSE, who's owner/ceo is considered one of the most successful men in business, that has over 50 millionaires in the company, that has government officials involved in the company, that Robert Kiyosaki says has the best compensation plan that he has ever seen, who's service/product is an employee benefit in huge companies and in state jobs? The list just goes on and on.

Looks like I earn far more then you already, huh Tim? LMAO! Hey, your the sucker defending people at no cost. "Pyramid Scheme"! Actually it is called direct sales/network marketing, and it is the wave of the 21st century. Those of us who stick it out, work hard and don't give up when the going gets tough or when things don't go how we expected, will prosper and become very wealthy. The rest will just keep on living the way they always have been, because they are afraid of change and the unknown. And can't stop listening to the negative people and who have failed because of their own faults.
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#80 Consumer Comment

Another zealous, but brainless PPL shill

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

Sal, you're a jackass. I wasn't trying to impress anybody with my earnings. If I was, I would have lied about them, like you probably will after we hound you enough. What I was showing, since you're too d**n dense to either understand it or face the truth, was how laughable your excuse was for not answering the original question.

You talk a big talk Sal, but what are you really making with PPL? And, on the off chance that you decide to answer that question, are you willing to verify your income? I am.

What's the average income, Sal? What is the average income of the lower 98% of earners, Sal? What are the average business expenditures, Sal? How much money are you suckers paying for motivational materials disguised as business advice, Sal? Your rhetoric is absolutely worthless. Give us the numbers lest we assume that they work against all of your arguments.

And FYI, since this is the direction you've decided to take this, I work between 15 to 20 hours a week. You do the math.

I spend the rest of my time representing indigent criminal defendants at no cost to them, studying the law, and spending time with my family. Believe me, I will earn far more in the coming years than you will in a lifetime with PPL.

No ridiculous pyramid scheme could make me any more pleased with my life. Your "question dodging" only proves that point.
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#81 Consumer Comment

YES HENRY, THEY ARE EVRYWHERE...

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

Its nice to see that someone in here has some common sense (Henry)! Henry is absolutely right about everything he said, 80% of the population in western Europe have legal plans (it is only a matter of time before that happens over here) and the government used to offer it, but now they are looking for a private company to offer it. That is where Pre-Paid Legal comes in and we will be able to expand our teams over there. Also, in Germany it is a law that you have to have legal ins. in order to get a drivers license and it is said that it will be like that here soon too. So, who ever doesn't see the opportunity in PPL are just complete idiots! PPL is the easy business that I have ever tried, I made $800 my first week and its been growing ever since. How? and why? Because I want it work and I will make it work. And I don't expect something for nothing. PERIOD.

Its hysterical to hear about what people expect for $26 a month. First off I won't even comment on what Carl said, because Carl doesn't have a clue about what PPL covers. You ask how often does the average person need an attorney? Are you really that naive? Number one, that's the mentality of someone who can't afford a lawyer so there-fore they just put it in there head that they don't need one. If you had an attorney on retainer I'm sure you would be calling him on almost a daily basis. But what do people need a lawyer for? Well, think about how many contracts you have signed in your life for things like a cell phone, buy a car, rent a car, turn on utilities, apply for credit, mortgage, loan, etc. the list goes on. Wouldn't it of been nice to say, before you signed, let me have my attorney take a look at this? But you didn't, did you? Or in my case where MCI over charged me for my phone bill, I got no where with them calling myself, but my PPL provided lawyer wrote one letter to MCI and they credited my account $650 off of my $800 phone bill. That just bought me another 8 months of PPL service. How many traffic tickets have you just sent in guilty and paid for, because you couldn't take the time off work? Those are just a few examples of what people need a lawyer for, but I guess down in hick-ville where you live, no body thinks that way. And by you saying that the only reasons that people need a lawyer is for a home purchase, a will and a vehicle collision, shows just how much of an idiot you really are! Umm, there is a reason why there are more lawyers in this country then any other profession. Are you really that ignorant?

Why doesn't anyone mention the identity theft protection? It is because you know that everyone needs it these days. And don't be like a lot of people and say that you have protection on your credit cards, because that is your credit cards not your identity. Credit fraud makes up only 25% of identity theft. But I'm sure you didn't know that either, because no one needs identity protection, right Robert? And why would you need legal council if you were stuck somewhere in a truck? I don't understand that part. If that is the reason why you purchased a legal plan then who is the moron?
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#82 UPDATE Employee

Idiots are everywhere

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

Reasons why would people bash Pre-Paid Legal:

--They paid 49 bucks and expect thousands of money will drop from sky without working hard and build your network

--They don't understand the value of insurance

--They are some lame lawyers and their business are threatened by Pre-Paid Legal. Inc. Yes for all the individual lawyers out there, we are going to eat you alive. 80% of West Europeans have legal plans similar to what we offer, it will soon happen in this country, WHETHER YOU LIKE IT OR NOT.

--They don't understand that if you fail, it can only because of YOU. Everyont starts at 49 bucks, why are you a sucker while some are making good money? I am a brand new associate and I can already have EXTRA 600 bucks a month, not bad for working 5 hours per week and being a full-time student. If you cannot make money in this business, go get a job in Wal-Mart you idiots.

--They don't understand there are bad people in ANY company. They are looking for a heaven on earth, which does not exist.

--They do not understand that Pre-Paid Legal will grow WITH or WITHOUT you. Hehehe if 80% of west Europeans have pre-paid legal plans, what makes you think it cannot work in North America?

And, I DO NOT CARE ABOUT IF WE ARE RIP-OFF or not. Tell you what, our power will grow, that is all you need to know. Yes we are evil and we eat babies. SO WHAT? If you don't have the power to stop us making money, why not join us and make money with us huh? If you are wasting time for anything that won't make you money, you are nothing but an idiot. Anf if others are making money in Pre-Paid Legal and you are not, you are also an idiot.
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#83 Consumer Comment

Wrong as aways Salvatore

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

It's exactly like paying for something and needing it when it's sold to you as being usable for any type of job-related legal expense among other things. The policy was STILL in effect, by the way. Let's pretend your scenario is used. I have insurance and get into a wreck. The insurance company cancels my policy AFTER the wreck. They are still responsible for covering the claim, since the policy was in force at the time of the incident. THAT is the proper analogy for you. As for why the guys made no money selling those useless policies, it's simple. NOBODY wanted to waste their money on them. How often does the average person need an attorney? Very seldom...home purchase, wills, vehicular collisions...that's pretty much it. As Carl has pointed out before, PPL is useless for handling a person's estate handling. I have pointed out they are useless for collisions. Any decent real estate attorney will do the closing for a few hundred dollars. The truck company I worked for suggested all the drivers get a policy. We all thought it would be a good idea in case we were stuck somewhere and needed legal counsel. What a waste of money. If nobody wants what you are selling, it doesn't matter how hard you work to sell it. Maybe you should sell volcano insurance. CT hasn't had one in a million years or so...I think the state is due for one.
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#84 Consumer Comment

COMMON SENSE ISN'T VERY COMMON THESE DAYS...

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

The bottom line is if you sell the service, PPL sends you a check. So, if your friends didn't make money with PPL then it is there own fault. It amazes me that people expect to make money for doing nothing and then they want to blame the company because they failed. It is like anything else in life, if you give it your all and work hard then you will do good and make money. If you sit back, be lazy and do nothing then nothing happens and you make nothing!

Also, as far as the service goes. It also amazes me what people expect to get for $16 to $26 a month. Like I said before, the PPL legal plan is great for the average everyday typical legal issues that happen to people. What you said above would be like getting into a car accident while you have auto insurance, dropping your insurance then making the claim. And expecting the insurance company to pay to repair your car because it happened while you had the insurance. Are they going to pay? Hell no!

Have some common sense already.
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#85 Consumer Comment

The stories I could tell...

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

I know a bunch of people who fell for that PPL garbage. None of them still bother trying to sell it. They made little to no money at it..quit wasting their time after about a year or two. I don't think any of them made enough to pay for their hunting/fishing licenses. I had PPL when I drove a truck. When I had an accident(NC said it was NOT my fault in traffic court), the company fired me. Boohoo. I was then brought back into court for a criminal charge. It is a felony in NC to hit a woman. Her attorney claimed the truck was a weapon and since I ran into her car, that was the assault. PPL said that since I was no longer an employee, my coverage was void, even though the incident happened while I was employed with the company. Great deal for PPL, pay until you need it, then get zippo out of it. I gave the truck company the option of paying for the best attorney around, or I'd sing like a canary and give up all of the maintenance records for the truck. Here's a hint for all you drivers...keep records on maintenance). The records showed a massive failure of the ABS system on the Freightshaker I drove. The brakes would just stop holding at any time it wanted. The brakes were later recalled for this failure. The company decided it was in their best interest to pony up the legal bills, and did so. Being the honorable gent that I am, I still gave up the records. The truck company tried a last ditch effort to get my attorney to screw me, so WE screwed them right back. That's just my 2 cents, and that's about what PPL is worth, when adjusted for inflation.
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#86 Consumer Comment

WELL, THAT'S JUST GREAT TIMOTHY!

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

$900 a week, huh? Yea, that was good money for me when I made that and sometimes more as a flat rate auto painter at 20yrs old, being single with no real bills. But I also had to bust my a*s 40-50hrs a week to make it. Is that what you have to do Tim to make your measly $900, bust your a*s for long hrs every week? Or is it more like finally you make more then minimum wage and you feel that you need to go plaster your earnings all over the internet?

Well, like I said around $900 a week was great when I was a 20yr old, single with no real bills. But as I "grew-up" gotten married and had a child I realized that making under a $1000 a week isn't s**t, unless I just wanted to barely make it in life and live a "regular" life. But that is not me, I want more out of life and more for my family. So, I stopped thinking like an employee and started thinking like an entrepreneur. Now I work from my home office making a lot more then I used to and I'm no longer busting my a*s to make someone else rich. I work when I want and how much want, and spend as much time as I want with my family. And no one tells me when to take time off, nor do I have to beg someone for a raise.

Also, when I was 20yrs old I also bragged about what I made, but as I "grew-up" I realized that I didn't need to tell the world about my financial status, nor is it anyone's business. I guess you feel that you need to brag about making $900 a week, but let me tell you Timothy, it really isn't that much. And also, NO ONE CARES!
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#87 Consumer Comment

Enough with the B.S. - Answer the question!

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

Your B.S. isn't fooling anybody. You are virtually anonymous here, so why not tell us what you're making?

Watch this:

I make about $900 per week.

That was easy, guys. Now come on, have out with it. None of this "well, that depends on blah-blibbitty-blah" or "we don't want to reveal that kind of information" B.S. Nobody's buying it.

Or, even better, tell us where we could find out what the average PPL associate earns.

Otherwise, we can only assume that the truth hurts.
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#88 Consumer Comment

WELL LORI...

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

Lori, I know that I don't like to tell a bunch of strangers exactly what I make for a living. Which is most likely the way everyone else feels and is obviously the reason why no one has stated what they make. But I will tell you this, and if you no the numbers of PPL, like the cost to become an associate, commissions, etc then you will know what I am saying. My first month with PPL I made back what I paid to become an associate 16x, I mean that is because I decided that I am going to be successful and will work as hard as possible to make PPL work for me. My sponsor makes 10K a month and his sponsor makes 30k a month (now that's a nice up-line to have!).

You have to take what you read here with a grain of salt, especially the negative comments. Going to a forum (like this one) for advise about something is just as reliable as stopping any stranger on the street asking for his advise. And of course there are going to be unhappy people, especially the people who always look for something or someone else to blame for there failures. I mean go type in Microsoft, you have people bashing that company saying its a scam. C'mon, Microsoft?! It's a multi-billion dollar company for god-sake! The same thing with any company or business opportunity, you can't please everybody, some people are just unpleasable...lol. I hope that helped you at least a little.
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#89 Consumer Comment

WELL LORI...

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

Lori, I know that I don't like to tell a bunch of strangers exactly what I make for a living. Which is most likely the way everyone else feels and is obviously the reason why no one has stated what they make. But I will tell you this, and if you no the numbers of PPL, like the cost to become an associate, commissions, etc then you will know what I am saying. My first month with PPL I made back what I paid to become an associate 16x, I mean that is because I decided that I am going to be successful and will work as hard as possible to make PPL work for me. My sponsor makes 10K a month and his sponsor makes 30k a month (now that's a nice up-line to have!).

You have to take what you read here with a grain of salt, especially the negative comments. Going to a forum (like this one) for advise about something is just as reliable as stopping any stranger on the street asking for his advise. And of course there are going to be unhappy people, especially the people who always look for something or someone else to blame for there failures. I mean go type in Microsoft, you have people bashing that company saying its a scam. C'mon, Microsoft?! It's a multi-billion dollar company for god-sake! The same thing with any company or business opportunity, you can't please everybody, some people are just unpleasable...lol. I hope that helped you at least a little.
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#90 Consumer Comment

WELL LORI...

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

Lori, I know that I don't like to tell a bunch of strangers exactly what I make for a living. Which is most likely the way everyone else feels and is obviously the reason why no one has stated what they make. But I will tell you this, and if you no the numbers of PPL, like the cost to become an associate, commissions, etc then you will know what I am saying. My first month with PPL I made back what I paid to become an associate 16x, I mean that is because I decided that I am going to be successful and will work as hard as possible to make PPL work for me. My sponsor makes 10K a month and his sponsor makes 30k a month (now that's a nice up-line to have!).

You have to take what you read here with a grain of salt, especially the negative comments. Going to a forum (like this one) for advise about something is just as reliable as stopping any stranger on the street asking for his advise. And of course there are going to be unhappy people, especially the people who always look for something or someone else to blame for there failures. I mean go type in Microsoft, you have people bashing that company saying its a scam. C'mon, Microsoft?! It's a multi-billion dollar company for god-sake! The same thing with any company or business opportunity, you can't please everybody, some people are just unpleasable...lol. I hope that helped you at least a little.
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#91 UPDATE Employee

Depends on how he is doing and what his downline members are doing

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

"He has sold 2 memberships, and has recruited 1 person who has not sold any memberships."

And if he hasn't done more than that, and isn't putting any effort into memberships, recruiting or helping his recruits with their efforts, then he wont be "seeing" any money from this venture.

You dont have to attend the meetings if you dont want to. Conference calls are to help you to get information on how to perform better and how you can help your members become associates or help your associates to sell memberships or recruit.


As with any job, the amount of effort you put into will reflect on how much $$$ you will get. If you recruit people who aren't going to do a thing, then you wont see the benefits from them.

Is he communicating with his one member he signed up? Has he helped his recruit to sell membership plans or help him with finding associates to recruit? Why isn't he selling the plans? Does he fully understand the products that PrePaid Legal offers? Does his recruit understand the products? Has he, himself taken advantage of the product?

90% of the time, the sellers aren't even familiar with what they are selling so they have a hard time with trying to offer it to others.

And depends on what state your in, the breakdowns for earnings are different.

I sell 2-3 memberships a month. I get $300 extra each month. Its more than what I need since I only wanted the extra cash to cover my motorcycle payments.

Again, depends on who you are, where you live and how active you are.

Maybe you should sign up for the membership and see how much better you can do than your husband? What better way to supplement your income than to have both of you do it? There are many "husband/wife" teams in the PrePaid Legal systm that are doing fine.

And if you guys are only looking at the "goal" (ie $12,000 a year or $50,000 a year ) then you're going about the whole thing wrong.
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