I HAVE BEEN APART OF PREPAID LEGAL FOR 7 YRS. I HAVE NOT HAD ONE PROBLEM. ROBERT KIYPSAKI AUTHER OF RICH DAD POOR DAD SAYS IT A GREAT COMPANY. FORBES, MONEY MAGAZINE, SECCESS FROM HOME, AND OTHER SECCESSFUL MAGAZINES TALKS WELL ABOUT PREPAID LEGAL. IF THE MEMBERSHIP IS NOT EXPLAINED TO YOU CORRECTLY YOU WILL NOT KNOW HOW TO USE IT. IT WORKS GREAT.