Frequently Asked Questions

What are Prepaid Legal Services?

In short, for a small monthly fee, you are provided access to an attorney for consultation as required. Legal Advice by an Attorney may be available on such things as buying a house, traffic violations, being overcharged for repairs, concerns about tax audits, and more. Attorneys may also write legal letters and wills for you if your plan allows for this.

Chances are that at some time over the next year you'll need to seek legal advice on an issue. Prepaid Legal Services help you reduce the financial burden, and worry, usually associated with legal matters leaving you to the better things in life.

What are Home Equity Loans?

Home equity loans are where you use the value of a home as collateral to obtain a sizeable amount of credit.

What is Equity?

Equity is the difference between the appraised, or fair market, value of your home and the balance left outstanding on your mortgage. For example, if your home is worth $150,000, and the remaining balance on your mortgage is $100,000, then you have $50,000 in Equity.

Why are Home Equity Loans so popular?

If you have equity in your home, borrowing against it can be an effective way to get some things you need at a good price. Low Interest rates and tax deductibility make home equity loans an excellent proposition.

Payday Loans Info

Payday Loans are a quick way to get an advance on your next paycheck. If you're ever in need of a small amount of cash (usually up to around $500 depending on loan provider) a Payday Loan may be what you are looking for.

What is in a Credit Report?

Identifiers: Including your name, Social Security number, current and previous addresses, current and previous employers, and date of birth. This information is correlated form all credit application you have completed. Credit Information: Including information about each credit account including the date opened, credit limit or loan amount, balance, monthly payment, and payment pattern over the past several years. The report also states whether anyone else besides you (e.g.. a spouse) is responsible for paying the account. Public Records: Including federal district bankruptcy records; state and county court records, tax liens and monetary judgments; and, in some states, overdue child support payments.