I joined Prepaid Legal Services almost a year ago. I signed up for the Identity Theft Protection and Casualty Protection which cost $9.95 and $17 a month respectively. Since then I've had 3 major legal matters for which I've needed a lawyer. The so-called provider attorneys are mostly freaking worthless. Paying $27 a month for these lawyers to write letters, review contracts and make idle threats is a waste of money.
The first matter was with the military unit I worked for that tried to charge me $23,000 for alleged missing equipment which was not missing but not properly accounted for. I called the provider law firm assigned to my state and the lawyer that I spoke to knew nothing about military regulations. I got out of that one by doing my own research.
Second, in May this "video e-mail" company happened to get my credit card number (I don't know how in the hell they did) and started billing me $40 a month for 3 months. When I called the company, they had no record of my name, (maiden or married) or my husband's name therefore they could not give me a refund even after I faxed them my credit card statements where I was billed. That company was VMDirect.com by the way. So I called my provider attorney and they wrote a letter to VMDirect ordering them to refund my money. About 2 weeks later they eventually did. Whoopti-freakin'-doo.
Third, and worst of all, 8 months ago I was defrauded $8,500 for this fraudulent real estate mentoring by John Beck (see his 30+ entries at ripoffreport.com.) So I called my provider law firm (they are Demming Parker Hoffman Campbell and Green) and they assigned me this lawyer that sounded like a fraternity boy who had partied all night before. I asked for another attorney and she sent a letter to John Beck threatening litigation if they did not refund my $8,500 by Sep 30th 2004. Oh, and I would get a Title V discount of 20% off her fees. September 30th came and went and John Beck did not refund my money. So I called my attorney and she said she "cound not take this case but she would refer it to the other attorneys." A week later I got a letter from the law firm stating that no attorney would take my case and basically told me it sucked to be me but I was on my own.
Prepaid Legal is all talk and no action. Their membership is a waste of money and a scam and you're better off without them.