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Have you ever used prepaid legal services? What was your experience. ?

A friend of mine is dealing with a child custody issue and considering using prepaid legal because they can't afford the retainer to hire a lawyer. I'm just curious if anyone has ever used these services and can relate their experience.

Public Comments

1. I never used prepaid legal services because I recognized early on that the financial model is exactly the same as an early HMO. Experience with the HMO showed that when services were flat-rate and communal, the organization developed a culture of trying to get you in and out the door by expending the least amount of effort possible on your problem. Unless your prepaid legal service plan includes a financial incentive for them to work harder on cases that are non-trivial, you should adjust your expectations accordingly.