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How to Cut Costs on Legal Fees

Bern Lady Justice
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Occasionally, life goes truly pear-shaped and you’re forced to enter the legal system.

Even if you’re not embroiled in a tawdry, tabloid-fodder divorce, there are still legal issues that everyone needs to address, without exception.

The problem?  Or rather, one of many, if you’re having legal problems?

Lawyers are expensive.

Before I go any further:

  1. If you are having criminal court issues, get a lawyer.  Get the best possible lawyer.  Really.   The cost does not compare to a lifetime in jail, or even 10 years.    If you’re facing jail, get the best dang attorney you can find.
  2. I am not only not an attorney, but I’ve never even played one on TV.  I have driven past a law school a couple of times, but never stopped in.   I do know several attorney, carry the business cards of a couple and have a couple on my speed dial, just in case.  If any of them thought I was giving legal advice, I’d be in trouble.  To reiterate: I am not an attorney.  This is not legal advice.  
  3. Don’t do a prenuptual agreement at home.  A prenup will almost always be found unenforceable if both parties don’t have an attorney.

Where was I?   Ah, yes.  Lawyers are expensive, but there are ways to mitigate that.

There a couple of things you can handle yourself.

Small claims court, also known as conciliation court.   Typical cases in conciliation court include cases involving sums under $7500(varies by state) that involve  unpaid debts or wages, claims by tenants to get a security deposit, claims by landlords for property damage, or claims about possession or ownership of property.  Fees and procedures vary by state, but generally cost less than $100 to file.   The procedures for your state can be found by googling “small claims court” and the name of your state.

Small worker’s compensation cases can be handled yourself, if they don’t involve a demotion or termination related to the injury.

Apartment and car leases are usually simple and straightforward.  Read them carefully, but you probably won’t need a lawyer.

You can probably  handle your own estate planning and will writing with some decent software.   I love Quicken Willmaker.  It walked me through a detailed will that takes care of my kids, and gave me advice on financing their futures in the horrible event that I am tragically killed before my wonderousness can fully permeate the world.   It also contains forms for promissory notes, bills of sale, health care directives and more.  If you have extensive property, I’d still seek an attorney’s advice, but I’d bring the Willmaker will with me to save some time and money.

Purchase agreements.    A few years ago, I sold a truck to a friend and accepted payments.    I made a promissory note and payment schedule.   When he quit paying or calling me, that paperwork was enough to get the state to accept the repossession when I took the truck back.

A simple no-fault divorce is actually pretty painless, on the scale of divorce pain.    Again, the procedures vary heavily by state.

Other resources for finding legal information free or cheap include www.legalzoom.com and www.nolo.com.

Have you had to do any of your own legal work?  How did it work out?

Discount Gift Cards: How Much Can You Save?

Assortment of gift cards
Assortment of gift cards (Photo credit: Wikipedia)

Do you know where you shop regularly?

Would you be happy if the things you bought there were suddenly, magically discounted?

It could happen.

I don’t think the game store down the road is suddenly going to institute a “Jason Rocks” discount program, but some of the bigger chains I visit have an unofficial option that can save you money, and it’s not a five-finger discount.

You can buy discounted gift cards.   You can find a gift card exchange being run on a number of websites.  How does it work?

There are two kinds of card exchange.

The first simply connects buyers and sellers.    If you want to buy a gift card, you browse the list of available cards until you find something you like.   You place your order with the exchange, who then take a fee and pass the rest of the payment to the seller, who’s got the job of sending it to you.   When you get the card, you get to find out if the balance still exists or if it’s going to expire in the morning.   Most people don’t sell a lot of gift cards, so their reputation isn’t really at stake.  Avoid these, unless you like gambling.

The second kind of exchange actually buys the cards from the sellers and verifies the balance and expiration date before posting them for sale.   When you go shopping, you’re dealing with a company that is putting its reputation–both with its customers and its bank–on the line.  If there’s a problem, you’ve got someone to contact who probably isn’t going to vanish.

You visit the site, find a business you want to visit, and buy a card at a discount.   The discount ranges from around 3% up to around 30%, with most discounts hovering around 10%.    That means–depending on the store–you can get a $100 gift card for $90.   Not a bad deal, especially if it for a store you’d be visiting anyway.

Have you ever bought a second-hand gift card?  How did it work for you?

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