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Welcome to Financial UniGuard 4 Family Legal Plan
5 free services
7 reduced hourly rate
We would like to take this opportunity to welcome you and your 7 how to use the service
family to the Financial UniGuard. Take a few minutes to read
through the materials included in this program. Familiarize yourself
with the services available to you and become acquainted with the
procedures to put your cost saving benefits to work for you.
Sincerely,
8 Tax Advice and Preparation
Member Services
9 voice behind the software
10 typical questions
10 how to use the service
12 Mortgage Mitigation
13 quality assistance
14 Credit Counseling
15 free credit counseling
15 budget tips
15 budget analysis
15 financial instruction
16 debt settlement and negotiation
16 personal financial literacy
3
Family Legal Plan Free Services
Each attorney will provide Legal Club members with 8 Free Services:
• Initial phone consultations for each new legal matter (no time
limit)
When you or a family member has a Legal concern, wouldn’t it be
• Initial face-to-face consultations for each new legal matter (no
great to just pick up the phone, receive legal advice and not have
time limit)
to worry about the cost? Well now you can do just that! With
access to over 20,000 Plan attorneys you, your spouse and eligible • Review of independent legal documents (6 page maximum per
dependents* can call any time during normal business hours (8:00 document per new legal matter, no limit to the number of new
AM to 8:00 PM EST) or visit a plan attorney to get unlimited legal independent documents)
advice about any new legal matter and you don’t have to worry • Plan attorneys will prepare a free Simple Will for you and your
about the cost. The Plan Attorney will discuss your legal questions family, as well as update the Will annually for free**.
with you and assist you in reaching a solution to your problem.
The Plan attorney can review important legal documents (6 page • Plan attorneys will help Members represent themselves in small
maximum), draft a simple will or write letters on your behalf, all at claims court
no charge. • Assistance in solving problems with government programs,
such as INS and welfare
• When deemed appropriate by your plan attorney, he or she will
write letters on your behalf (one letter per legal matter, with no
limit on the number of new legal matters)
• When deemed appropriate by your plan attorney, he or she will
make phone calls on your behalf (one phone call per legal mat-
ter, with no limit on the number of new legal matters)
Discounts For Eight Commonly Used Legal Services
Legal Service Member Rate Non-Member Rate
Traffic Ticket Defense $89 $199
Name Change $155 $365
Simple Will with Trust $250 $530
Chapter 7 Bankruptcy $750 $1,500
Non-Support (spouse/child) $275 $1,490
Simple Divorce $275 $1,100
Regular Incorporation $295 $585
4 5
Personal R/E Closing $250 $675
Reduced Hourly Rate
Plan attorneys will provide extended legal care at the reduced
hourly rate of $125.00, or when appropriate, at a 40% discount
off their usual and customary hourly rate. This is where the real
savings take place. After the free letters, calls and consultations
take place, members and their attorneys will have to decide what
course of action to take next. In some cases, members may not
have a choice and litigation may ensue. This is the point in time
that the attorneys charge the $125.00 hourly rate for legal care.
• Discount on Contingency Based Cases
• Plan attorneys provide a 10% reduction on contingency fees
either from the state maximum rate or the attorney’s usual rate,
whichever is lower.
Law Areas Included
All areas are included in the Family Legal Plan. The Family Legal
Plan does not exclude any type of law area.
It’s Easy To Use:
To utilize any of the following services, simply call our toll free number.
After presenting the customer service representative with you
name and membership number or case number and the type of
legal matter you have, you will be provided with the name, address
and telephone number of the provider firm located nearest you.
Matters involving disputes or actions between members and Family
Legal Plan or its plan sponsors, agents or their officers, directors
or employees are specifically excluded from eligibility of this plan.
Court costs and filing fees are excluded from discounted rates
under any of the discounted pricing described in this fee schedule.
* Membership in Family Legal Plan includes the member, their spouse, their children 25 and younger and any
dependent living in the member’s home who may be dependent upon them, such as a parent or grandparent.
** SIMPLE WILL: A will distributing personal property and homestead and not involving trusts, specific bequests,
real estate, tax matters, guardianships, living wills, health care proxies or partitions.
6 7
Tax Advice & Preparation* Use Financial UniGuard as the voice behind the software.
With today's tax software programs, users need more than help
screens. Financial UniGuard steps in with tax advice tailored spe-
cifically to an individual's unique situation. Live, one-on-one, direct
answers to members' tax questions over the phone. When pop-up
Tax laws are getting more and more complicated all the time. You screens just aren't popping up with the right answer, Financial
have important questions about changes in government regula- UniGuard experts are a phone call away with reliable advice.
tions, capital gains, credits, and deductions. Where can you turn?
Rates for professional advise can be prohibitive. And talking to Financial UniGuard members seek and receive advice on the tax
the IRS can be frustrating. To avoid making costly errors, you need implications of all these everyday financial matters:
answers you can trust. Now you can have them as a member of
Financial UniGuard • Individual Retirement Accounts, Roth IRAs, 401k plans, SEPs
• Healthcare spending accounts
Financial UniGuard members receive all this:
• Investment timing and strategies
• Unlimited advice on federal taxation via toll-free phone call/fax/ • Capital gains
email • Real estate timing and strategies
• Free tax return preparation (includes 1040EZ, 1040A, and • The tax advantages of home ownership
1040)
• Divorce
• Unlimited advice on federal taxation for small business owners
(sole proprietors) • Inheritance
• Savings on the preparation of numerous tax schedules • Retirement planning
• Advice regarding IRS audits and notifications Financial UniGuard will also review a member's prior year's tax
• Tax planning return. This review can reveal costly errors and generate a source of
extra tax savings.
• Review of prior year's tax return
All tax and financial assistance is provided by tax attorneys,
financial analysts and tax professionals. This team of professionals
is ready to answer your tax questions in a confidential and secure
environment. Additionally, all tax and financial advice is backed by
a $1 million liability policy!
8 9
Typical Questions
Some of the typical questions our Financial UniGuard experts hear:
• Should I open a Roth IRA?
• How does the capital gains tax work?
• Is the money I inherited taxable?
• Which tax form do I file?
• Is my Social Security or retirement taxable?
• Do I get a tax break for childcare expenses?
• Should I itemize deductions?
• Which deductions can I take if I have a home-based business?
How To Use
To access the Financial UniGuard Tax Hotline simply call the toll-
free numbers listed on the front of your membership card.
* Financial UniGuard is pleased to have your tax questions answered and your tax forms completed based upon
the information you provide. Inadequate or incorrect information provided by the member to the tax professionals
may lead to an incorrect answer for which the plan administrator and Financial UniGuard cannot be held respon-
sible. The plan administrator makes every effort to keep its tax professionals abreast of changes in tax law but is not
responsible for inconsistent interpretations of the tax code by the IRS and/or tax courts regarding specific matters.
All benefits are available to the individual enrolled and his/her dependents as defined by the most current IRS code.
The plan administrator, not Financial UniGuard, assumes all liability and responsibility for the provision of, or failure
to provide the stated products, services and benefits. Financial UniGuard's liability is limited to the amount of
actual membership fees paid by a member for access to the tax program.
10 11
Mortgage Mitigation Investigation
To protect your home, we need to know as much about your case
and lender as possible. A file examiner will be assigned to your case
to review all your real estate documents and contracts. They will
identify any inaccuracies, flaws, or mistakes made by your lender
Your home is one of the most valuable things you own. You and communicate their findings to your Modification Processor.
worked hard to earn it and you want someone who will work hard
to ensure that you keep it. Countless homeowners face foreclosure Intercession or Arbitration
every year, but it’s not too late to turn your situation around. Our The goal of the Forbearance and Modification Processor is to use
members have access to sound mortgage mitigation advice and the information gathered by your real estate consultant and file
services at discounted rates. Whether you’re 30, 60, 120 days late, examiner to renegotiate and/or modify the terms of your existing
or in foreclosure right now, it doesn’t matter; you can be helped. bank loan to fit your needs. More often than not, the Processor
is able to negotiate with your lender to make the contractual
We know that talking with your lender about your mortgage can changes needed so that you can keep your home under financial
be scary and confusing if you don’t have all the information. Our terms and conditions you can live with.
members have access to a nationwide network of professionals
with the tools and expertise needed to shed some light on your Representation
situation and move you in the right direction. Your case will be A network of real estate attorneys is available to provide you with
handled by a team of loss mitigation specialists who know the free and discounted legal care should you need it. Their comprehensive
system and have experience helping homeowners navigate through services include consultation and review of legal documents. To
tough circumstances. We offer consultation, investigation, interces- resolve issues, they will make phone calls and write letters on your
sion, and representation to help you make the best decisions about behalf when appropriate. When necessary, they may also appear in
your mortgage, because like you, we know what’s most important. court to argue on your behalf for reduced hourly rates.
You aren’t the only one who wants to avoid foreclosure. Most likely
Quality Assistance your lender would prefer to renegotiate than risk losing tens of
thousands of dollars. Our loss mitigation specialists are experts at
Consultation proposing plans or strategies to the bank that will put your loan
Mortgage mitigation is not a cookie-cutter process. That’s why we back in good standing. For 1,750 dollars, approximately 50% less
take time to talk with you about your goals. Our members receive than the national average, you can save yourself from spending
a free consultation with a real estate professional, who will help tens of thousands more and more importantly, you can rescue
assess your situation and make recommendations on the best your family from the uncertainty of continuing mortgage trouble
course of action. We aim to be as thorough as possible from the and looming foreclosure. For access to our services and/or more
beginning, by conducting a complete investigation and fact-finding information, visit our website or call our toll-free number. We are
session. Your consultant will then communicate the particulars of available 24/7 to get you started. Don’t wait out a bad mortgage
your case with the rest of the loss mitigation team. situation; the sooner you call the more options you’ll have.
12 13
Credit Counseling Free Credit Counseling
Talk with a Certified Credit Counselor for free M-F 9:00am–5:30pm
EST. Our counselors will answer your questions on budgeting,
settlement and credit. They can help you assess your current
financial situation and provide you with quotes for new monthly
Good credit is a must-have in today’s borrowing-driven society. payments available through our debt negotiating services.
If you plan on leasing an apartment, taking out a mortgage, or
buying a car, your credit matters. Employers often check your credit
history before offering you a job. Cell phone, cable, telephone, and Free Budget Tips
other utility companies may or may not provide you with services Free budgeting tips are available in the Financial Literacy Workbook
based on your credit history. Good credit is a big deal. That’s why as well as in the newsletters. You can access both by visiting the website
we provide our members with a credit counseling program that can at www.debtresourceusa.com and clicking on resource library.
help them build, maintain or reobtain good credit.
We offer a variety of free services to meet our members’ diverse Free Budget Analysis
consultation needs. Our counselors are certified through the A budget is a great way to provide yourself with a little financial
National Association of Certified Credit Counselors To get started, clarity. If you’re ready to create a budget, want to reevaluate your
call our toll-free number printed on your membership card M-F current budget or just want to take that first step toward ending
9:00am to 5:30pm EST (excluding holidays) and speak with a your money woes, our Certified Credit Counselors are here to assist
customer service representative or check out our services online at you. They will provide you with individual budget analysis that
www.debtresourceusa.com. locates areas of potential savings, possible waste and ensured debt
payment within your personal budget.
After reviewing your debts, expenses and income, your Certified
Counselor will establish a workable budget plan that will help you
pay your bills and maintain a lifestyle that works with your income.
Financial Instruction at Your Own Pace
Work through your financial questions at your own pace using our
free online Financial Literacy Workbook at www.debtresourceusa.
com. You will encounter twelve chapters of sound financial
instruction and advice. This self study covers topics from credit
basics and knowing your debts to checking accounts and securing
your finances. You can test your understanding using our online
tests and final exam.
14 15
Debt Settlement and Negotiation
If you’re behind on your monthly financial obligations, our Debt
Settlement and Debt Negotiation programs may be the solution.
Designed to assist you in negotiating or settling your outstanding
debt balances by as much as 50%, our program can offer you the
financial stability you’ve been wanting—and it’s only $99.00. Re-
vive your credit and pay off your debt in no time. Enlist our services
and you will:
• Receive comprehensive counseling from Certified
Credit Counselors
• Reduce your total unsecured debt load by approximately 50%
and monthly payments up to 50%
• Improve your debt-to-income ratio
• Prevent bankruptcy
• Reduce and/or eliminate phone call from harassing creditors
• Reduce the stress of financial pressures
Personal Financial Literacy Program
Whether you have good credit, bad credit, debt entanglement or
are new to the world of finances, you can take control of your
personal finances by mastering a range of topics that directly affect
your money. Learn how to manage your credit and debt. Develop
skills for handling your personal finances responsibly. Our services
offer you:
• Advice and consultation from Certified Credit Counselors
• Financial Education administered by professionals
• Improved debt-to-income ratio
• Control of your personal finances
• Thorough budgeting instruction
16 17
Terms & Conditions Use of Membership
Your Membership is non-assignable and non-transferable. You agree that only You
and your immediate family members may use the Membership. The term “Immediate
Family” shall be defined as You, your spouse, your children and parents whose legal
address is the same as yours. You shall be responsible for all use of your Membership
and will promptly notify Us if You become aware of any unauthorized use of your
Membership.
The following is the Membership Agreement between the sponsoring organization
(“We and Us”) and the person who has enrolled in the “ Financial UniGuard” program Disclaimer of Liability
(“You”). All persons subscribing, “Members,” agree to be bound by these terms of Financial UniGuard and/or the sponsor, do not guarantee, nor are responsible for, the
Membership and are urged to read them carefully. If you have any questions regarding quality of products or services provided by any independent vendors. Financial Uni-
your Membership, You may contact our customer service center 24 hours a day at the Guard and the sponsor are making no representations with respect to those matters.
toll-free number listed on your Membership Card. In the event any benefit is deemed unsatisfactory to the Member, the Member will look
solely to the provider of the product or service for rectification. Accordingly, Financial
Membership Benefits UniGuard and the sponsor make no warranty, expressed or implied, including but not
As a Member, You have access to discounts on various products offered through limited to the warranty of merchantability or fitness for a particular purpose with re-
the Financial UniGuard Web site, customer service center and other benefits and spect to any of Membership Services or products obtained by a Member. All warranties,
services offered by independent vendors, “Benefits,” as specified in your Membership expressed or implied, are the responsibility of the manufacturer or independent vendor.
Guide. The discounts contained herein may not be used in conjunction with any other Our liability shall not exceed your current Membership Fee and under no circumstances
discount program. All listed or quoted prices are current prices only and are subject shall we be liable for incidental, consequential or exemplary damages. Financial
to change without notice. This is a discount Membership Program only, and may be UniGuard may revoke, repossess, modify or cancel the services at any time. Use of the
discontinued or modified at any time. Membership is governed by the conditions set forth herein when issued and retained,
and any use of this Membership constitutes acceptance thereof.
Membership Terms
Your Membership is effective immediately upon enrollment by You and shall continue Entire Agreement
until terminated by You at any time by calling Us at the toll-free number listed on your This Agreement contains all of the terms and conditions of Membership and no
membership card or by writing Us at the address provided by a Financial UniGuard representations, inducements, promises or agreements concerning the Membership
customer satisfaction specialist. Unless You notify Us that You wish to cancel your not included in this agreement shall be effective or enforceable. If any of the terms of
membership by following the instructions under Membership Terms, your Membership this Agreement shall become invalid or unenforceable, the remaining terms shall not
will be renewed automatically and You will be billed the then-effective Membership be effected.
Fee which will appear on your statement.
Reservation of Rights
Payment of Membership Fee We reserve the right to eliminate, add, change, and substitute benefits and participat-
The payment of your Membership Fee is made automatically by a charge to the ing vendors without notice to You. We further reserve the right to change the terms
specified billing vehicle authorized by You. You may cancel your membership within 30 and conditions of this agreement and any Membership policies at any time without
calender days of joining and be entitled to a complete refund of all membership fees notice.
excluding any one time enrollment fee, or money paid for services or benefits received
under this program. If We are unable to bill the Membership Fee to your specified Governing Law
billing vehicle at any time, We reserve the right to terminate your Membership without This Agreement and the terms of the Membership shall be interpreted, construed,
notification. and enforced exclusively according to the laws of the state of Illinois. For any disputes
regarding this agreement you irrevocably consent to exclusive jurisdiction and venue
Renewal of Membership before any federal or state court residing only in Chicago, Illinois (you may replace with
Unless you notify Us that You wish to cancel your Membership by following the your governing area) to whose personal jurisdiction You agree to submit. However,
instructions above, your Membership will be renewed automatically and You will be nothing in this agreement is intended or shall be construed to negate or otherwise
billed the then-effective Membership Fee which will appear on your statement. affect the consumer protection laws of the state in which You reside.
18 19
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