Personal legal plan FAQ

  • What is debt collection defense?

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    An attorney can help you negotiate repayment schedules and limit creditor harassment. You can also get representation for personal debt collection, foreclosure, repossession or garnishment actions, up to and including trial, if necessary. Coverage does not include counterclaims, cross claims, third-party claims, vacated judgments, bankruptcy, and family law matters.

     
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  • Do MetLife Legal plans include telephone advice and office consultations with local attorneys?

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    Yes, MetLife Legal plans cover office consultations and telephone advice for an unlimited number of covered and non-covered personal legal matters, so long as they are not excluded. These services are offered by local plan attorneys.

     
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  • Are pre-existing matters covered?

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    Yes, MetLife Legal plans encourages members to use the plan to resolve as many legal issues as possible, even if they are pre-existing matters. The only pre-existing matters that are not covered are those for which you retained an attorney before becoming eligible for plan benefits. This is necessary to protect the existing attorney-client relationship.

     
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  • Can I get help with identity theft under this plan?

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    You can consult with an attorney about potential creditor issues resulting from identity theft and get help contacting creditors, credit bureaus, and financial institutions. You can also receive defense services for specific creditor actions over disputed accounts. In addition, you can receive online information about identity theft and prevention.

     
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  • Where do I get a form for out-of-network claims?

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    Claim forms for out-of-network services are personalized, so you must request a form by MetLife Hyatt Legal at 800-821-6400, 7 a.m. to 6 p.m. Central Time, weekdays (excluding holidays).

     
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  • How do I find an attorney?

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    To find an attorney, visit the MetLife Legal website or call Hyatt Legal at 800-821-6400, 7 a.m. to 6 p.m. Central Time, weekdays (excluding holidays).

     
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