My personal experience with pre-paid legal (actual name of the company) was crap. Sure, the sales pitch sounded great, and my husband was wanting to do a custody/visitation/child support mod, so we paid the $26 a month. We were suposed to get a free consult with an attorney from a "top family law firm" in Missouri. Shyeah, right. This attorney was a local attorney. The "free consult" we were to get because of being pre-paid legal clients cost us $50 before we walked out of his door after the consult was done. He wanted a $500 to $1,000 retainer that we didn't have, so told him that we'd be back in touch if we came up with the money and decided to retain him. He wrote my husband letters over the next couple of months, "reminding" him that if he wanted to retain his services he needed to pay the retainer. THEN, we got a bill for the time this attorney spent writing the letter to try and solicit my husband's business! I posted about that here, but it was in 2002 and I can't get the thread to show in a search. He wasn't an attorney in a "top law firm" as stated by the pre-paid legal rep, he was a local schister who, upon checking him out, my husband decided he wouldn't want representing him in kangaroo court, much less a real one.
Pre-paid legal said we'd get "unlimited consultations" with an attorney at an 800 number, when in fact, that 800 number was just a lawyer referral service and they had no actual attorneys there at all.
We were going to be charged $200 for the "free" will we were supposed to get with the package.
It goes on and on, but you get the idea.
I've heard some people have had success with them, but I can only speak from my personal experience and I wouldn't ever use them again.