Pre-Paid Legal Services

Have you ever been treated unfairly, received a speeding ticket, signed a contract or bought a house without knowing what all the fine print meant, been overcharged for a repair, been named or feared being named in a lawsuit, worried about being audited by the IRS, or just wanted to call an attorney but didn't know who to call or that it would cost too much?

If you answered yes to any of the above questions, then you can benefit from a Pre-Paid Legal Services Protection Plan offered through Pre-Paid Legal Services, Inc.

Pre-Paid Legal Services, Inc. was founded in 1972 and is now a publicly traded company on NYSE delivering low cost, professional legal assistance and identity theft protection to over 1.5 million families.

When it comes to seeking legal advice, it's not unusual for people to not know who to call and to be concerned about the cost. Your membership will provide access to competent legal counsel not only for traditional legal problems, but for everyday events.

As a Pre-Paid Legal member, your benefits will include:¹

• Legal advice & counsel by phone for any person or business legal matter
• One letter or phone call per subject matter when your provider law firm determines it's in your best interest
• Contract & document review of up to 10 pages
• Preparation & annual updates of your Last Will & Testament
• Assistance & advice for moving traffic violations nationwide
• Representation for certain motor-vehicle related criminal charges
• Representation for civil lawsuits & job-related criminal charges
• IRS audit legal services
• Preferred member discount of 25% off your provider law firm's standard hourly rate
• Legal Shield which offers 24 hour access to an attorney under certain circumstances

Download the Pre-Paid Legal brochure now!

Brochures are also available at MCCU branches, or call us and we'll mail one out to you. This plan is offered through our partner, Syndicated Insurance Agency, a Northridge-based Insurance agency. For questions or to apply, please call Syndicated at (818) 332-1566 and mention that you are a MCCU member.

IdentityTheft Shield^SM

Hardly a day goes by that we don't read or hear of a data security breach that could compromise the identities of thousands of individuals. Whether it's the Veterans' Administration database or most recently the 45.7 million credit & debit cardholders information that was stolen from T.J. Max and Marshalls. It seems our personal information is getting harder and harder to protect.

In fact, according to a 2003 release from the Federal Trade Commission (FTC), approximately 27 million Americans have fallen prey to identity thieves since 1999. Each year that number climbs higher and higher. In 2003 alone, almost 10 million people in the United States reported being victimized by identity thieves. On average, FTC estimates $1,200 in out-of-pocket expenses to clear ones name.

What can you do? Where would you turn if you found yourself in this situation? Would you know where to start to clear your name? Well, now you don't have to worry about what to do as we have the answer.

IdentityTheft Shield^{SM 2, 3} gives you easy access to the resources you need to understand your credit ratings and to fight back if an identity thief threatens your financial standing. This benefit is designed to alert you to suspicious account activity, and to restore any resulting damage to your credit history by offering the following:¹

1. Credit Report Through Experian
2. Continuous Credit Monitoring Through Experian
3. Fraud Restoration Service

You can receive the legal plan and Legal Shield for a low cost of $26.00 per month. That is less than $1.00 a day to have a whole law firm on retainer. Identity Theft Shield^SM can be added to the legal plan for an additional $9.95, or it can be purchased stand-alone for $12.95. You can have a law firm on retainer and protect your identity and good name for as little as $1.20 a day.

Download the Identity Theft Shield^SM brochure now!

Brochures are also available at MCCU branches, or call us and we'll mail one out to you. This plan is offered through our partner, Syndicated Insurance Agency, a Northridge-based Insurance agency. For questions or to apply, please call Syndicated at (818) 332-1566 and mention that you are a MCCU member.

1. Please refer to written material for detail of additional information and exclusions; 2. Marketed by: Pre-Paid Legal Services, Inc.; 3. Services provided by: Kroll Background America.

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