Premier legal plan is similar to legal insurance. In exchange for a monthly fee, Premier Legal will refer a lawyer to you if and when you ask for qualifying legal help. You will not have to pay for the lawyer’s time— Premier Legal will pay the lawyer on your behalf depending on your legal plan. Some legal plans provide discounted rates. The lawyer referred will be licensed to practice law in your State.

No, Premier Legal is not a law firm. Premier Legal, instead, maintains (and is constantly updating and improving) a network of law firms in states across the country.

No. At this time, Premier Legal operates as a “legal access plan” and not as an insurance plan. In many cases this means Premier Legal’s ability to pay for a lawyer to help with litigation (i.e., attorney time spent inside the courthouse or time spent preparing to go inside the courthouse) is limited.

The most frequently used services are (i) advice and consultation about consumer-protection laws, bankruptcy and (ii) assistance negotiating with creditors and debt collectors. Of course, if customers stop making monthly payments to creditors in connection with a debt-settlement program, collection calls often result. Collection efforts sometimes turn into harassment. Premier legal is very good at putting customers in touch with lawyers who are experts enforcing consumer-protection laws against overzealous collectors. Plus, having a lawyer assist with creditor negotiations often results in better settlement results.

Premier legal strives to ensure all lawyers in its network are professional, pleasant to work with, competent, and ethical. Premier legal will not accept lawyers into its network that have disciplinary issues in their background.

The legal plan attorneys are retained to defend debt collection/ credit card litigation only. Bankruptcy is available at a discounted rate.