You likely need a lawyer if you're being sued or anticipate a lot of complicated legal situations in the future, like when you're starting a business.
If you have a single need — like a will or a document to review — a lawyer may quote you a flat rate that's less expensive than an hourly service or a legal plan. But if you're in a period of life full of job and housing changes, a pre-paid law plan may bring peace of mind for reviewing contracts.
Just make sure you read the fine print on what they don't cover. The American Bar Association advises that lawyers explain their fees, ideally in writing, within a reasonable time after beginning to represent you. Some state bars require that lawyers put fees in writing before they even take a case.
In a criminal proceeding, if you can't afford legal assistance, a court will appoint an attorney for you. In a civil case, generally described as a dispute between two private parties, to get legal representation, you have to get creative. Here's how to find legal help if you can't afford a lawyer:
The Akron Bar Association, in Akron, Ohio, is an example of what's out there. You can call the second and fourth Fridays of each month from 9 to 11 a.m., as part of their Ask an Attorney Service, and they'll answer legal questions for free.
Legal aid societies are nonprofit organizations found in almost every corner of the country that provide free legal services to low-income people. While this is certainly worth exploring, the problem for many households is that the individual or couple makes too much money to qualify for help.
That is, if you lose your case, you won't pay money, but if you win, the law firm will take a portion of the money awarded to you. However, it's important to tread carefully before picking a lawyer. Choose a reputable attorney and make sure the rate is agreed upon before the lawyer takes your case.
It's risky for lawyers to take cases on contingency, and they need to be confident a judge or jury will side with you, and that there's going to be something sizable awarded to you. While no legal expert will suggest you represent yourself, it is an option if you're in a financial bind.
For instance, you can't go to small claims court if you're trying to work out your financial affairs after a divorce. But if the stakes are fairly low where someone owes you money or is trying to collect money from you, and it isn't worth risking lawyer fees, you might consider small claims court.
An attorney might give you a discount. Also, many attorneys offer payment plans, so that you're paying monthly instead of one huge sum all at once. Of course, you could hit the jackpot and find a pro bono lawyer, or you might find someone willing to take your case on contingency.