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to assist you. In California, these are called Family Law Facilitators. These programs are free to everybody; they are not legal aid, which is only available to people with low incomes. There are also occasionally programs through local civic groups, such as the YMCA, that provide similar assistance.

Pre-Paid Legal

There are many types of legal insurance, but the most established is Pre-Paid Legal Services (http://www.prepaidlegal.com). For about $25-$30 a month, you can call a "provider law firm" and get legal advice on any matter. If you decide to use the "provider law firm" to handle a legal matter on your behalf, you typically receive some kind of discount. Some programs include free preparation of a Last Will and Testament for you and your spouse. Like any insurance, you can cancel your membership at any time.

If you wanted to do a more complex legal matter on your own, you could obtain a pre-paid legal membership and call your provider law firm any time you had a concern. If desired, cancel your membership when your legal matter was resolved. Be very sure that each time you call your provider law firm, you make it clear that you are not calling about the same thing you previously called about. They will charge you if you do. Be very specific and say, "I have called about this issue before, but I have a new concern" Be prepared to wait a day or two for the provider law firm to call you back with your requested advice or information.

Many employers offer pre-paid legal insurance as a benefit. Before you sign up, be sure to check with your employer-it may be completely free to you.

Learn more about this author, Staci Marquez-Nichols.
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