Prime Source Central - Legal Care

 

The Family Legal Plan anchors the Family Protection Plan. Its association is a discount legal referral service with a nationwide network of plan attorneys who provide free and discounted legal care for over 1 million families. Membership includes you, your spouse or domestic partner, dependent children under the age of 25, and any dependents that may be living with you such as a parent or grandparent.

Benefit Features

 

The Family Legal Plan anchors the Family Protection Plan. Its association is a discount legal referral service with a nationwide network of plan attorneys who provide free and discounted legal care for over 1 million families. Membership includes you, your spouse or domestic partner, dependent children under the age of 25, and any dependents that may be living with you such as a parent or grandparent.     

Legal Care

 

Free Legal Services:*

The following nine (9) services are available at no charge.

Initial phone consultation for each new legal matter (no time limit)
Initial face-to-face consultations for each new legal matter (no time limit)
Review of independent legal documents (6 page maximum per document, no limit to the number of new independent documents)
Plan attorneys will prepare a free Simple Will for you and your family, as well as update the Will annually for free. (See definition of Simple Will in Section 3 of the Plan Guidebook)
A state specific, web based, free Living Will form is available to Members. This form can be notarized by a Notary Public. Store this document in a safe location
Plan attorneys will help Members represent themselves in small claims court
Assistance in solving problems with government programs, such as INS and welfare
When deemed appropriate by your plan attorney, he or she will write letters on your behalf (one letter per legal matter, with no limit on the number of new legal matters)
When deemed appropriate by your plan attorney, he or she will make phone calls on your behalf (one phone call per legal matter, with no limit on the number of new legal matters)

Provide members with a "Case Completion Kit" including copies of documentation, correspondence, forms and letters for their personal records.

 

Deeply Discounted Legal Services:**

 

 

The following are eight (8) commonly used legal services for which plan attorneys have agreed to charge a one-time, deeply discounted fee.

  Legal Services Member
Rate 		Non-Member
Rate 		 
  Traffic Ticket Defence 89.00 199.00  
  Name Change 155.00 365.00  
  Simple Will with Minors Trust 250.00 530.00  
  Chapter 7 Bankruptcy 750.00 1,500.00  
  Non-Support (Spouse/Child) 275.00 1,490.00  
  Simple Divorce 275.00 1,100.00  
  Regular Incorporation 295.00 585.00  
  Personal Real Estate Closing 250.00 675.00  

**Court costs, filing fees and time charged for travel to and from courts are additional.

Guaranteed Low Hourly Rates:

 

Plan attorneys have contracted to charge no more than $125.00 per hour, or 40% off their usual and customary hourly rate, whichever is greater, for legal care that goes beyond the free and discounted services described above.

Retainers:

 

In the case of extended legal care, plan attorneys may ask you for a retainer. Any retainer sought will be computed by multiplying the number of hours a plan attorney believes a case will take, by the appropriate discounted hourly plan rate. For instance: 10 hours x $125.00 = a retainer of $1,250.00. Any unused portion of the retainer will be returned to the member

Contingency Fee Discounts:

 

The contingency fee discount will be a 10% reduction of the state maximum rate or the attorney's usual rate, whichever is lower.

Tax Preparation & Advice

 

The Family Protection Plan provides comprehensive personal tax benefits including free tax return preparation and unlimited, toll-free, tax related advice during normal business hours. Additionally, you will have access to most commonly used tax related schedules free of charge or at a significantly discounted rate.

Tax Related Benefits:

 

Unlimited advice for personal and business matters on federal taxation via toll-free phone call/fax/e-mail (no time or frequency limitations)
Free mail-in tax return preparation (includes 1040EZ, 1040A, and 1040)*
$20.00 off of tax returns prepared by H & R Block®
Discounted preparation of all schedules that accompany the form 1040*
IRS audit assistance
Tax professionals will review any notice or letter issued by the IRS and provide advice on how to understand and solve the matter.
Access to a web-based IRS audit tutorial, as well as an IRS notification tutorial.
IRS notification assistance
Tax planning
Review of prior year's tax return*
Member portal with tax tips, tax law changes, tax organization area, IRS audit area, IRS notification area and member advice on-line


 

* Limited one (1) per household.

All tax and financial assistance is provided by tax attorneys, financial analysts, CPA's, former auditors and/or Enrolled Agents certified by the IRS. Additionally, all tax and financial advice is backed by a $1 million liability policy.

Financial Education & Credit Counselling

 

This component of the Family Protection Plan provides you and your family with personalized financial and credit counselling services 24/7, 365 days per year. We provide access to counselling and financial education through a variety of delivery methods including telephone, online tools and live chat sessions.

Whether you are renting or buying a home, having problems with debt, or setting up a trust, this financial education program is designed to provide you and your family with the tools necessary to make better financial decisions. Personal financial guidance and education is provided by over 1,000 experienced financial counsellors.

The following is an outline of the free services included with this program:

Free Consultations

 

A complete financial assessment will include a review and analysis of your household income, expenses, assets and liabilities.

Credit & Debt Counselling by Certified Credit Counsellors

 

A credit counsellor takes the time to thoroughly understand and assess current credit and debt issues. They will:

Assist in creating a liveable budget to balance income and expenses
Provide specific advice on how to deal with creditors
Offer money management and budgeting techniques to help gain control of finances
Develop a comprehensive spending plan

Create an action plan to become debt free

 

Ask Susan Online Counselling Sessions

 

 

A unique opportunity to receive a personalized response to questions on subjects such as loans, budgeting, credit reporting, collections, dealing with debt, and much more. Email your questions to receive a personal response on these and other financial subjects.

Housing Advisory Services

 

Advice covering first time homeownership, affordable mortgages and refinancing
Post purchase counselling

Reverse mortgages – what are they and how do they work

 

Online Tools & Articles

 

 

Access online articles designed to inform, assist, educate and alert you in all areas of credit, money management and how to get help.

Online tools for budgeting
Articles designed to help make smart financial decisions
Articles designed to help with family financial and purchasing decisions
Hotlinks to a wide variety of consumer resources on topics such as lending, credit reports, credit cards and vehicle purchasing and financing
Easy-to-use online calculators to help get finances back on track. Calculators are available to help with budgeting, and vehicle and home financing

Tests and quizzes to gain a better understanding of how to improve money management skills

 

Money Choices

 

 

Five private self-paced courses, presented by Visa, that teach the skills needed for smart money management.

Prime Source Central has realized that the costs of professional counselling when utilized on a one at a time basis can cost a family dearly. For this reason we have included a tremendous professional resource program genuinely dedicated to Family Savings.

Prime Source Central wishes you and your Family a harmonious life.