Ask if your employer offers discounted legal services through either a specialized program or a more general EAP (employee assistance program).

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So, in spite of all this effort by Corporate HR personnel, more Federal government (PPACA) more Medicaid, more EAP programs, new Exchanges , etc.

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"As the largest EAP, our increased call volume has been a reflection of the financial stressors faced by U.S. employees, " said Richard Chaifetz, ComPsych's chief executive officer.

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For example, if your EAP offers a free 30-min legal consultation, you can use that time to figure out if bankruptcy might make sense or to see if you might have a valid legal claim to file a lawsuit before hiring a more expensive attorney.

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