Re: Pre-Paid Legal -- A Pyramid Scheme With Catchy Name???
--- In email@example.com, oracleintl@a... wrote:
First.. Let me say, that while I like Bill and think he is a very
intelligent person, I think this particular post of his is utter
> Since my post was used as a springboard for this advertisement, let
> out that:
> 1) Vickie is an "Independent Sales Associate" - if you go to the
> sent, you will note that it identifes you as her referral so if you
> gets a commission
Yes.. Vickie has found a way to make money.. And she is aggressively
doing what she is supposed to be doing to make her money.. So?
> 2) Whereas she represents that Michelle would get benefits limited
> thoiudands of dollars since this is a pre-existing matter, that is
not what they
> say on their site - for pre-existing issues, they don't pay squat.
> Trial Defense Services: This benefit does not cover defense of the
> following: claims or charges relating to workers compensation,
inquiries or actions by
> a government agency, bankruptcy or alcohol, drugs, substance abuse,
> abuse or dependency; class actions, interventions, or amicus curiae
> or class actions filed in the business is a party or potential
> pre-existing conditions, defined as those acts which give rise to a
> are alleged to have occurred prior to the business' enrollment,
> the filing date of the lawsuit.
Well there are limitations to all services.. Let's put it into
perspective.. That is a limitation placed on a service that you pay
next to nothing for.. 75 hours of legal services from attorneys with a
minimum of four (4) years in the busienss for $40.00 or $50.00 a
month. And you can use the service as much as you want..? I don't see
that as a bad deal at all.. The retainer for an attonrey to handle
your case would eat up 2 to 5 years of payments to prepaid legal, and
that is just for one case.. I am not trying to promote prepaid legal,
and I don't have prepaid legal, but I see NOTHING wrong with it... I
liken it to insurance, in a way.
> 3) IF this was not a pre-existing condition, the benefit is 75 HRS
> After that, you get a 25% discount off whatever their standard rate
Still not a bad deal.. But the hours progressively go up after you
have had the service for over a year...
> The fact is, these people are being widely accused of running a
> scheme and I would advise you to read:
I got accused of killing Kennedy yesterday by a friend.. And he may
put a website up about it too.. Don't make it so... Anyone can build a
webpage with accusations on it, Bill.. This is a service.. Correct me
if I am wrong, but don't pyramid schemes have to have the potential to
have an "end person" left "holding the bag" when the pyramid
Her is an explanation I found on pyramid schemes:
In the classic "pyramid" scheme, participants attempt to make money
solely by recruiting new participants into the program. The hallmark
of these schemes is the promise of sky-high returns in a short period
of time for doing nothing other than handing over your money and
getting others to do the same.
The fraudsters behind a pyramid scheme may go to great lengths to make
the program look like a legitimate multi-level marketing program. But
despite their claims to have legitimate products or services to sell,
these fraudsters simply use money coming in from new recruits to pay
off early stage investors. But eventually the pyramid will collapse.
At some point the schemes get too big, the promoter cannot raise
enough money from new investors to pay earlier investors, and many
people lose their money.
I don't see prepaid legal fitting that definition....
> Since I am currently working on an expose of these people to be
> FraudsAndScams.com, it is unwise to use a post of mine as a spam
Why? It is just another option that Vickie was trying to offer.. Of
course she is going to try to make money with prepaid legal.. Given
the opportunity, who would'nt?
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Sun Tzu 500 B.C. "The Art Of War"
It is not the critic who counts,
not the man who points out how the strong man stumbles,
or where the doer of deeds could have done them better.
The credit belongs to the man who is actually in the
arena.... who strives ..... who spends himself and who,
at the worst, if fails, at least he fails while daring,
so that his place shall never be with those cold and
timid souls who knew neither victory or defeat.
Theodore "Teddy" Roosevelt
- --- In email@example.com, "Vicki Siedow" <Siedow@L...>
I don't know much about pre-paid legal, but interested in learning
more. Please send me some info. With $225 hr avg attorney fees and
the litigous society we live in, is certainly worth at least looking
Ekeholm and Associates, LLC
Office: (770) 720-8343
Georgia Private Detective License: # PDC001919
- -----Original Message-----
From: Vicki Siedow [mailto:Siedow@...]
Tsk, Bill. So virulent! I'm flattered! You've been trying to pick one
with me for some time..
Ah shite Vicky, just let it go...
(Snipped out a bunch of stuff)
"Show me an insurance company that covers pre-existing conditions. Does
your health insurance cover you when you've been diagnosed prior to signing
Actually, Vicki, it is now the law that insurance companies cover
pre-existing conditions if the insured can prove coverage for the same
condition, with any form of insurance, for the previous 12 month period.
(Medicaid and Medicare DO qualify as insurance coverage too)
No break in coverage is allowed but the new insurance company is also not
allowed to get a one year vacation on covering the condition, regardless of
what it is, as long as there is proof of coverage for the preceding 12 month
I might not know much about a lot of things, but believe me, with my medical
bills for my son, I know about insurance and how to make them stand up and
bark like the bitch dogs they are!
As long as we're on the topic, I've been solicited to sell PPL. Once I got
into the pitch room, you know, that separate room that the rep takes you
into, so no one else can hear what it is goes on during the actual sign up
process....yeah, that one, I made the comment that this all looked strangely
like AmWay with a twist..oh, he didn't like that comment, made a smart
remark and well you can guess how that meeting digressed from there knowing
my temper. In short, it smelled like a giant scam to me back then and I've
never been able to get over that slimy feeling I get whenever I hear about
PPL or other gimmicky MLM schemes, no matter what they sell. The only
pre-paid legal system I've ever seen work was the one we had back when I was
a police officer called CLEAT (Combined Law Enforcement yada yada, I can't
remember what the A and T stood for) those guys were a state pool for police
officers, we paid dues and if you got into something and needed a lawyer, it
was truly pre-paid. You're dues didn't go up, your representation was by
attorneys that specialized in representing police officers and you didn't
pay one dime to the lawyer, ever. The contract/agreement was about three
paragraphs long too. I agreed to have them deduct a certain amount from my
check, they agreed that as long as I was a member and I got sued or
arrested, they would represent me. It was that simple. Anything that needs
ten pages of finely typed, single spaced paper to cover always gives me that
hinky feeling down at the base of my neck.........you know, that weird
feeling you get when you know you're about to get poked in the eye but can't
stop it.....yeah, that is what it is like.
Have a great day, best of luck in selling that stuff........but it was a
little tasteless to blatantly advertise using Michele (with whom I have no
special love loss or anything) to boost it.
Last thing, if Bill really wanted to pick a fight with you, he'd simply get
on a plane and come to your house to argue his point, he doesn't need an
underlying, concocted reason.........he's pretty up front about that sort of
Brian K. Ingram, Owner
Consulting Investigation Services
Email Tracing/Internet &eBusiness Investigations
Forensic Data Recovery, Catastrophic Event Investigations, Major Case
"Setting the New Standards in Private Investigations"
Texas P.I. License A-8429
- Happy to, Kirsti. Here's my link, I'll give you a ring, or you call me with
questions. As you say, with the cost of attorneys, and the even higher cost
of not consulting one, this is a "must." As Investigators we absolutely
must consult attorneys often. Since Teri Shiavo everyone wants a Will, and
a Living Will. Since ChoicePoint & BofA, the Identity Theft Shield is in
huge demand because it includes restoration of your identity. Our clients
all need legal advice, and I prefer that they get it from a qualified
attorney, not from me. I also prefer that they have enough money left over
to hire me. It's win/win.
Siedow & Associates Investigations
& Custom Legal Support Services
2629 Foothill Blvd. #262
La Crescenta (Los Angeles area), CA 91214
CA Lic. PI #22852
Need economical legal help?
From: ke1024b1 [mailto:kekeholm@...]
Sent: Friday, April 01, 2005 12:51 PM
Subject: [infoguys-list] Pre-Paid Legal -- Send Info
--- In firstname.lastname@example.org, "Vicki Siedow" <Siedow@L...>
I don't know much about pre-paid legal, but interested in learning more.
Please send me some info. With $225 hr avg attorney fees and the litigous
society we live in, is certainly worth at least looking at.
Ekeholm and Associates, LLC
Office: (770) 720-8343
Georgia Private Detective License: # PDC001919
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