How to Use a Prepaid Legal Service to Collect a Debt

A prepaid legal service will offer a wide range of services for a reduced rate. For these services, you are charged a monthly fee with some services included in the price. If you need help to collect a debt, consider joining a prepaid legal service. Here are some tips to help.

Instructions

1. Educate yourself about the different types of legal services available to you. Be very careful if you sign up for a prepaid legal service online, because that service may not be available in your state. Remember that states have different rules and regulations for legal services. Compare the prices of prepaid legal services within your state, and compare the types of services they offer.

2. Ask the prepaid legal service if they assist in collecting on debts before you join. Many legal services will only do this for a business or commercial account at a higher monthly fee. Ask the legal service for a copy of their brochure or sales letter; this puts their services in writing. Many prepaid legal services will write from three to ten letters a year to collect a debt for you; the price is usually included in the membership fee.

3. Refer to your contract with the prepaid legal service for their reduced fees to represent you in bankruptcy and foreclosure proceedings. If you need to collect a debt that's more involved, you'll need more than just a letter from your attorney. Most prepaid legal services offer more extensive legal services at a reduced rate.

4. Take all your correspondence, receipts, bills and past due notices (regarding the past due debt) to the lawyer assigned to you. Gather all the information your lawyer will need to collect this debt for you. Include the name, address and phone number, invoice number, original sale date and amount of the debt owed to you. The more information your lawyer has, the quicker he can get positive results on the past due debt.