How the American Legal System is Failing you

How the American Legal System has failed you

We live in an increasingly litigious society. The chances of being sued are now estimated at being 1 in 4, with predators lurking to file spurious lawsuits and victimize anyone they think can afford it. America has most of the world’s lawyers with 50,000 being added every year, each one hungry for their piece of the lawsuit pie.

This is why it is so lucrative: in the USA, if you file a lawsuit against someone, they have to respond to it. Even if it is frivolous and without grounds, you must appear in court and defend yourself. Since this is expensive, many people prefer to settle out of court, and spare themselves the time and expense of legal proceedings, even if they are innocent.

And this is where the system breaks down. Why should it cost you, assuming you are an innocent party, anything? Why should you have to pay to defend yourself from a frivolous, speculative lawsuit? In England, by comparison, if someone brings a lawsuit against you, and they lose, they are responsible for paying not only their own legal costs, but yours too. It’s a worthy discouragement, and only those with a genuine case tend to take the risk.

Here however, you have to pay to defend yourself, and even if you are innocent, you are still liable for your own legal costs. In the USA, generally the richest 10% can afford a lawyer, and the poorest 10% will have a lawyer provided for them by the government. That leaves the middle 80% rather vulnerable to such predatory lawsuits.

Ideally, one would wish to have access to professional legal advice, without it costing the earth. One company that provides just such a unique service is PrePaid Legal, Inc. Through providing low-cost prepaid legal plans to over 1 million families in the US, this company is making legal representation affordable for the masses. With plans covering the whole family starting at $16 per month, no longer is legal representation the privilege of the very wealthy, or very poor, but now available to most hard-working American families.

Even though many do not need a lawyer on a regular basis, it provides great peace of mind to know that one is available, just a phone call away, and that cost no longer needs to be a consideration.

The coverage provided is extensive with unlimited phone consultations, a letter or phone call from the lawyer for each issue, contract and document review, will preparation and updates, motor vehicle violation representation, trial representation up to 60 hours the first year, IRS Audit representation and more, all for the flat fee of $16 per month – and this covers the whole family. If a situation arises which is not covered by the plan, the membership gives the person a 25% discount on all other legal services.

Five minutes after signing up for a PrePaid Legal Plan, new subscribers receive the name and telephone number of a top local law firm that will represent them in any matter. It’s that quick, and that simple.

It is no surprise that an increasing number of families are subscribing to a PrePaid Legal plan, seeing it as an affordable means of obtaining legal advice, and a fantastic insurance against a ruinous lawsuit. To have the confidence and ability to say, “I’m going to speak to my lawyer about this,” is certain to give any potential litigants pause for thought.

Glyn Norman

Post Author: mark

22 thoughts on “How the American Legal System is Failing you

    FizzyBubbler Lives Forever!

    (January 25, 2010 - 10:03 pm)

    How great is the American healthcare system?
    1 in 10 people with cancer said they could not obtain health coverage, and six percent said they lost their coverage, because of being diagnosed with the disease.

    It is legal in nine states for insurers to reject applicants who are survivors of domestic violence, citing the history of domestic violence as a pre-existing condition.

    When offering coverage, insurers can exclude whole categories of illnesses related to a pre-existing condition. For example, someone with a pre-existing condition of hay fever could have any respiratory system disease – such as bronchitis or pneumonia – excluded from their future coverage.

    When a person is diagnosed with an expensive condition such as cancer, some insurance companies review his/her initial health status questionnaire. In most states’ individual insurance market, insurance companies can retroactively cancel the entire policy if any condition was missed – even if the medical condition is unrelated, and even if the person was not aware of the condition at the time. Coverage can also be revoked for all members of a family, even if only one family member failed to disclose a medical condition.

    Isn’t that an awesome system?

    Machinehead 625 NYY WORLD CHAMPS

    (January 26, 2010 - 3:05 am)

    Sounds great. Damn Obama for trying to fix that.
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    (January 26, 2010 - 3:07 am)

    American health care is outstanding….if you have a lot of money or a great, iron-clad insurance policy through your employer. I would have no fear being operated on in Australia, Japan, Denmark or The Netherlands.
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    Proud Libertarian

    (January 26, 2010 - 3:09 am)

    The other 9 out of 10 get the best healthcare in the world the very moment they need it. No waiting lists here.
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    (January 26, 2010 - 3:11 am)

    Don’t believe a word you post Your links are crap
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    Tim H

    (January 26, 2010 - 3:13 am)

    If Democrats wanted reform instead of a government healthcare takeover they would have voted on preexisting conditions a long time ago. It would have passed with bipartisan support by a very large margin. The country would have been brought together by the bipartisanship and passage of healthcare reform.

    Instead, the Democrats are trying to takeover the whole system. Not only that, they are doing it behind closed doors so no one really knows what is going on. They showed their greed and their lust for more power and killed all chances for reform in the process.

    If they wanted to fix the problems you mention they could have done that a year ago.

    By the way, the current US healthcare system has the highest cancer survival rate in the world. Just imagine what it would be if the Democrats wanted to reform healthcare and addressed the preexisting condition issue.
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    (January 26, 2010 - 3:15 am)

    That’s why I’m entirely confused when people say that we have the best system in the world. Our health care system provides the absolute best care in the world, but only to those that can afford it. If that’s the standard we’re applying to who has and provides the best care in the world, then something is seriously wrong with our mental calculus. Access to health care should play a big role for everyone.
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    (January 26, 2010 - 3:17 am)

    it can be improved with a capitalist based system and cutting out the middle man (insurance Co.) but obama bill just gives more power to the insurance Co. by forcing us to buy insurance. under this bill there is a cap on how much they have to pay out per year. they can still deny claims. and the bill does nothing to provide health care witch is different then heath insurance.
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    The fed up matthew™

    (January 26, 2010 - 3:19 am)

    It is great. Seriously, I’ve been to the ER a few times, a few doctor check ups or testing sessions, and recently the dentist. I’ve paid cash every time and never been denied. If I would have had insurance the past 11 years it would have cost me more and been more of a hassle but of my friends and family with insurance none of them have been denied anything. The problem is that insurance is only supposed to be for catastrophes but people want it to pay for little $200 dollar doctor visits which drives premiums up.
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    Pink Pistol

    (January 26, 2010 - 3:21 am)

    If you have a job then its great.
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    (January 26, 2010 - 3:23 am)

    Our system sucks because we pay more per capita and get less than any other country in the world. Plus we have high infant mortality and lower life expectancy. Our health care costs too much and more should be covered.

    But congress would pass a stand alone pre existing condition bill no problem. Even some republicans would vote for that as a stand alone bill.
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    (January 26, 2010 - 3:25 am)

    The status quo health care is horrible, the so called health care reform in the Senate is horrible!

    Either way we go, the average American is getting screwed!
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    x x

    (January 26, 2010 - 3:27 am)

    There are many points to make but your not open to facts or someone else’s opinion.
    but think about this, That scum bag Michael Moore forgot to mention one big thing. The Doctor that operated on el presidente for life Castro had to be flown in from Spain because they did not have a doctor capable of doing the operation in Cuba.
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    (January 26, 2010 - 3:29 am)

    American health care is the best!

    It’s Insurance Companies that need overhauling AND we need tort reform!

    Health Insurance companies, when they first started out, were NON-PROFIT!
    Amazing huh? The reason for skyrocketing premiums, huge deductibles and the ability to refuse to insure has to do with making profits for shareholders.
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    (January 26, 2010 - 3:31 am)

    Thanks for the links.

    How great is our American health care system? We are NUMBER THIRTY-SEVEN in the world.

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    (January 26, 2010 - 3:33 am)

    a close relative of mine had breast cancer.

    ALL the tests, the 2 operations, the after treatment, the chemo therapies the radiation treatment… FREE !

    free choice of hospital, doctor etc.
    free counseling and massages
    once a week a worker to do house work

    needless to say… she does NOT live in the USA

    in most European countries costs for medication in a Pharmacy is free (Netherlands) or capped (UK max. $10)

    but hey, the only ones the Americans like to keep healthy (or should that be Wealthy) is the Pharmaceutical industry and the Health "insurers"
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    (January 26, 2010 - 3:35 am)

    We are ranked 37th in the world, so not very good.
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    Joe in texas

    (January 26, 2010 - 3:37 am)

    And yet we still have the best health care in the world bar none. My wife tore her knee last summer and needed surgery to repair. It took only two weeks to see an orthopedic surgeon, get an MRI, and have the operation. In Canada the exact same thing would take two and a half years to get done with waiting lists. That’s two and a half years of pain, restricted movement, and loss of employment.
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    The Patriot

    (January 26, 2010 - 3:39 am)

    Great question. American healthcare is great. The system that delivers it is a failure though.

    FACT – Insurance companies in the USA admit to pushing up prices, buying politicians and not paying out claims when they should [1]
    FACT – PER PERSON the USA spends more on healthcare than any other nation on the planet [2]
    FACT – Obama debated his plans before the election for healthcare [3]
    FACT – the chance of a child under five of dying in the USA is greater than industrialised nations with universal health coverage [4]
    FACT – Obama was elected by the American people to bring in change [5]
    FACT – Obama wants to stop insurance companies from screwing America [6]
    FACT – The reforms Obama wants work in the Netherlands and Switzerland [7]

    Let me know if my facts are wrong, but please provide proof.
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    Derek R the East-Coast Élitist

    (January 26, 2010 - 3:41 am)

    Thanks ALOT Massachusetts!

    Maybe once this country starts sinking into the 40’s & 50’s will people finally realise what a failure this system is.

    How could we be # 37, AND be the richest country in the world. It’s appalling and shameful.
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    Here Comes the Meter Man (P_Y_P)

    (January 26, 2010 - 3:43 am)

    the US system has failed, hasn’t worked in years, ask anyone who has had to pay for it. I advise everyone to drop their private insurance, then the companies will be broke. When you have a problem, go the ER, throw the bill away. If enough people do it, by default we will get a single payer system and everyone will be covered through minimal taxes. Thanks for paying my bills guys, I know I’ll be there to help you when you’re in need, unlike companies looking to rape at every chance.
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    (January 26, 2010 - 3:45 am)

    ~ It needs fixing.
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