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General Article

Identity Theft Precautions – 6 Proven Ways to Help Secure Your Identity

Identity Theft Precautions – 6 Proven Ways to Help Secure Your Identity

According to the Federal Trade Commission, you will spend countless hours and an average of $1,200 in your efforts to resolve the many problems caused by identity thieves.

Identity theft criminals are equal opportunity thieves, making this the fastest growing crime in America. Millions of us have experienced the devastating effects of having someone steal our personal information and use it to their benefit without our knowledge. But, please do not despair; there are many simple steps you can use to protect yourself against these criminals.

1. IDENTITY THEFT PRECAUTIONS – PROTECT YOUR PERSONAL INFORMATION

Your Social Security Number, pin numbers and passwords are all valuable to an Identity Theft criminal. It is best to memorize this information, or keep the numbers in a separate location from your purse or wallet.

2. IDENTITY THEFT PRECAUTIONS – DOCUMENT CONTROL

Important documents such as deeds, contracts, birth certificates, social security cards, etc., should be kept in a fire proof safe or bank safety deposit box. Anything you don’t have to keep, such as unused checks, and extra credit and debit cards should be shredded immediately.

3. IDENTITY THEFT PRECAUTIONS – INTERNET TRANSACTIONS

When you are using the internet to purchase items, pay bills, or even communicate via email, it is extremely important that you carefully limit what information you are posting and where you are sending it. Make sure that transaction web sites are secure and encrypted. Never put any of your personal information in an email, they are NOT secure. NEVER open a suspicious email or any attachments associated with it. This is a primary method of transmitting computer viruses and spyware.

4. IDENTITY THEFT PRECAUTIONS – HARD COPY BILLS AND STATEMENTS

It is vitally important that ALL bills and statements are reviewed each month looking for unauthorized transactions; if any are found contact the company immediately. As soon as you are done with them they should be shredded and thrown in the trash.

5. IDENTITY THEFT PRECAUTIONS – LIMIT YOUR EXPOSURE

Get an unlisted and unpublished phone number to limit the amount of telemarketing calls you receive. Don’t ever give any personal information out over the telephone. You have no idea to whom you are really speaking. Also, consider having your mail delivered to a Post Office box therefore protecting your address from possible thieves.

6. IDENTITY THEFT PRECAUTIONS – REGULARLY REVIEW YOUR CREDIT REPORTS

Credit reports should be reviewed on a regular basis to look for mistakes and more importantly suspicious transactions that may indicate a stolen identity. You can immediately contact the credit bureaus to correct mistakes and also put a freeze on you credit information if you think it necessary, which means that you have to personally approve any requests for new credit applications to your name.It appears that your web host has disabled all functions for handling remote pages and as a result the BackLinks software will not function on your web page. Please contact your web host for more information.…

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General Article

Do I Need a Mortgage Fraud Attorney?

Do I Need a Mortgage Fraud Attorney?

Today, the level of white-collar crime is on its highest. White-collar crime basically refers to a crime committed by person of high ranking positions in the course of their job. White-collar crime usually comes in the form of a threat, bribery, unfair promotions, deception, unfair practices, frauds and cheating in accounts, documents, stock etc. This is in contrast with the crimes known as blue-collar crimes – rape, murder, and homicide, among others. Of all these types of white-collar crime, nothing is more prevalent today than mortgage fraud.

Because of the cunning that most white-collar criminals have, it is typically hard to nip it in the bud and would usually only go to court when millions of dollars have already been carted away by the criminal or criminals involved. There have also been cases wherein people have committed mortgage fraud without intentionally doing so.

One of the things that you need to keep in mind is that mortgage fraud can come in two forms – as fraud for profit and fraud for housing. The former involves revolving equity and inflating the value of properties. Issuing loans based on fictitious properties is also considered to be a fraud for profit. Fraud for housing or fraud for property, on the other hand, is done in order for the borrower to acquire or maintain ownership of a property. In this case, the borrower usually doctors his income as well as employment history in order to get approval for loan.

Mortgage fraud is also different from predatory lending with the former harming those working in the mortgage industry and the latter harming the borrower themselves. There are several schemes by which this type of fraud can be done, foremost of which is property flipping. Although property flipping is generally considered to be legal, creating fraudulent appraisals and doctoring documents are considered illegal.

Another popular fraud scheme is known as backward application. This involves checking first a property to buy and then customizing income as well as doctoring documents in order to fit the loan criteria. Some borrowers also do air loans. This is when a loan is made with no underlying security or collateral.

Being charged with mortgage fraud is no laughing matter. Once proven, you can face many years in prison as well as be made to pay fines and restitutions. Once you are aware of the presence of a mortgage fraud or you have been charged with this type of fraud, you would need to get in touch with a mortgage fraud attorney. This is especially important if you are residing in states where there is a very strict law concerning mortgage fraud such as Arizona and Florida. A mortgage fraud attorney can help determine your degree of liability. They would also be able to defend you should your case result to a lawsuit.…

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Family Law Attorney

The Search For a Good Criminal Attorney

Most Nevada residents can go through their entire lifetime and never have the need of a Las Vegas criminal attorney. However, incidents can happen where you should be consulting an attorney in order to make certain that your rights are protected and that you have the best possible representation. Even if you are guilty of a criminal act, the laws of the United States and the State of Nevada provide for the assumption of innocence unless you are proven guilty.
Finding the right attorney should not be undertaken by drawing a name out of a hat. The attorney should be one who specializes in criminal law rather than other types of legal practice. Only an attorney who has experience in trying criminal cases will be up to date on all the laws and nuances that may help to prepare and present your legal defense.
Obviously, the first requirement of an attorney is that they are licensed to practice law in the state where they are needed. Attorneys must sit for and pass a comprehensive bar exam in order to be accepted as an accredited and practicing attorney in the state. Most attorneys must have some experience in criminal law before they are ready to defend clients in criminal cases.
In order to gain experience in courtroom cases, the criminal attorney may be an associate with a firm and serve in a second chair position for several trials or cases. They may do part of the questioning of witnesses, or provide detailed facts for the first chair attorney. As the attorney gains experience, they may be assigned clients for lower level criminal cases.
In addition to the necessary experience, your choice of a criminal lawyer should be one that you feel personally comfortable in talking about your case. An attorney that comes across as abrupt, harsh, or uninterested in the facts of the case will be one that you may have a hard time trusting. When you contact an attorney, have a preliminary conversation to see how the two of you relate to each other. Large firms may have several junior attorneys that would be able to represent you ably.
With today’s tools on the Internet, you can easily research potential attorneys to be part of your defense team. You can usually find educational background and areas of specialization within the overall criminal law boundaries. Check for membership in the State Bar Association or organizations dedicated to further standards of representation. You can check their websites to determine that the individual you are considering is a member of the bar.
You will need to determine what the cost of the attorney will be. Legal fees can be very steep, depending upon the nature of the crime and how much time the attorney expects to spend working for your case. Some attorneys charge a certain amount to handle all aspects of the case. Other attorneys charge an hourly rate and bill you by the time spend on your case.
When you choose a Las Vegas criminal attorney, you should shop around until you find the one that you can work with. The results of a criminal case could affect you and your family for years to come. Finding the best one possible will be your best hedge against more serious consequences.…

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General Article

Seeking Free Criminals Records Checks Online? Here’s How

Seeking Free Criminals Records Checks Online? Here’s How

More and more people are using the internet to do criminal record checks on people that they want to know more about. The process of finding these records is very easy and convenient to do. These are the step to finding these records:

Step 1:

The easiest way to begin your journey is to use a search engine. The best ones are Google and Yahoo. You begin by entering the person’s full name, address, phone number, their SSN (if able to obtain it appropriately) and other details that may be needed. A key thing to remember is that they must put the full name in quotation marks to get an accurate result.

Step 2:

If you want a bit more information or if you were unsuccessful with the search engines, you can go to a free online record provider. Some of these websites include The Federal Bureau of Prison website which tells you which prison a person is in; The Family Watch Dog’s website which gives you a list of the people that are sex offenders as well as The Department of Motor Vehicles website which informs you of how good or bad a person has been with operating a vehicle. Even though you will get more information from these websites than from the search engines, it is still pretty vague and basic and sometimes may be inaccurate due to a low-level of security of the websites.

For those who seek a much more detailed criminal record check, you may have to go on online record providers that charge a fee for their services. The great thing about these websites is that their information is very accurate and will be given to you in a timely fashion, usually taking a few days or weeks to complete the search. In some cases, you can get the records within minutes of ordering them. Another great thing about these websites is that you can look up a multiplicity of records such as:

o Bankruptcy record

o Marriage and Divorce records

o Parolee records

Lastly, if you are unable to have access to a computer or have computer troubles, you can always go to your local government agency such as a police department, or even a library and ask for these records.…

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General Article

Facebook and Privacy Matters

Facebook and Privacy Matters

Socializing websites are a gems in terms of marketing and building your brand and so is Facebook. With more then 4 Million or so users, Facebook can remarkably turn you into a celebrity.

With the growth of people hanging on Facebook, the diversity of its users and the rise in cyber crime people should be aware of the threats of identity theft. Identity theft is not to be taken by granted and should be understood by everyone out there on the internet. It is never too early to teach your children about this serious matter as well.

People openly start sharing their relations, their emotions and their personal details such as phone numbers and addresses they are revealing their real life to almost everyone on the internet. That is billions of people and billions of unknown minds and thoughts to expose yourself to. Its like the Indian saying “Aa bail mujhe maar”, you ask the bull to come and horn you.

Remember when you join any socializing website and especially Facebook always take time to fine tune your privacy settings. What you want the world to see and what you want your friends and other groups to see. You can also also have a custom setting to allow only specific to certain details. Some most important things that need to be kept a tight watch on are:

1. Date and Place of Birth

2. Relationships

3. Private Photos that reveal your address and personal details

4. Never ever give out your credit card number

5. Be choosy about revealing your School and Education details. (Remember most of your school mates already know about it)

6. Email addresses, IMs, Phone Numbers and Addresses need to be kept a strict watch on. Mostly our friends know these and if they don’t and are i=on your Facebook they will ask you.

7. Be very careful about allowing access to applications as they have access to your profile. At times it may seem fun but you are revealing everything about yourself.

8. Never delete your accounts on any socializing site. Head Hunters can pose as you.

9. Be careful about your emotions and do not be cyber sentimental.

10. Enjoy and build good relations. Keep a watch on your friends list and if you do not have someone like the Big B on it, keep it private.…

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Law Firm

A Guide to Choosing a Solicitor

If you become involved in a legal dispute, then it is essential that you hire a solicitor to represent you. If you represent yourself in court, then you will almost certainly lose, as an in-depth knowledge of the law is required, and that not is something that you can learn yourself (unless you have a few years spare to go to law school). The good news is that hiring a solicitor need not be difficult or overly expensive. You do need to follow some basic guidelines though…
References – Ask your friends if they have dealt with any solicitors who they were particularly pleased with. Even if they personally have not, one of their friends or family members might have done. If you do not get any leads from them, then look online for some. Only pay attention to testimonials left by unbiased third parties, and not those on the websites of solicitors. Blogs and forums are a good source of information that you can rely on.
Ads – Never pick a solicitor based on the basis of an advertisement you have seen on TV or in a magazine. The reason being that solicitors who feel that they have to spend huge amounts on advertising are, more often than not, more focused on style than substance. They are the easiest option, because you have the phone number to call right there in front of you, but how often is the easiest option the best one?
Specialization – Make sure that the solicitor you hire specializes in the legal work that you need doing. So, if you need a contract dispute resolving, do not hire a solicitor who specializes in real estate, even if they come highly recommended. The law is so complex that unless you hire a specialist you are putting your chances of winning your case at a serious disadvantage. There will be plenty of solicitors specializing in what you need available, so why settle for anything less?
Payment Options – If you are hiring a solicitor to handle some kind of routine legal work, expect to pay hourly. Even though this type of arrangement has a built-in incentive for your solicitor to run up your bill, it can actually work out quite well for you if ask for a detailed timetable before they start work, and regular, specific updates whilst it is in progress. If you are suing someone, you have the option of arranging for your solicitor to take some percentage of any settlement, rather than paying them hourly. In terms of incentive, this kind of arrangement is best, as your solicitor will know that they will not get paid if they do not win the case for you.…

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Family Law

If Your Civil Union Has Ended, It Is Best To Visit A Divorce Solicitor

For the past so many years gay couples in Great Britain have been permitted to enjoy what are called civil partnerships. A divorce solicitor is there to advise you on how to end your civil partnership in the event it appears to break up. It is best to try and get legal support once you discover your union has ended. The grounds for dissolving a civil partnership are usually just about the same as the divorce laws for dissolving a marital relationship and you will need the help of a divorce solicitor to submit your request. Even though the single argument for dissolving a marriage or possibly a civil partnership right now are the irretrievable breakdown of that relationship, you will still need to determine particular information with your divorce lawyer for you to accomplish this. Some of the things that individuals refer to as argument for the irretrievable breakdown of a partnership are generally violent actions, fiscal issues, infidelity as well as perverse sexual habits. Your divorce solicitor will be there to help you with the statement as well as then to set the details in a form that would be satisfactory to the court.
Providing your second half agrees the partnership has irretrievably ended, then you will each have to sign your statement your partner made before your respective divorce lawyers distribute papers to the court. As in a very standard marriage, should your partner doesn’t acknowledge the relationship has collapsed your solicitor might try to encourage the two of you to go for mediation. As a general rule the courts need mediation in cases where one mate disputes the dissolution or perhaps where there tend to be quarrels about finances and also property.
When some type of agreement may be arrived at then in line with the divorce laws in England and Wales, the divorce solicitor will lodge your petition with a legal court. Once the paperwork have reached the hands of the the courtroom, and also based on the number of other cases the judge must deal with, normally it takes from three to six months for any equivalent to a decree nissi to come through. The paperwork regarding the ultimate dissolution of a civil partnership, the decree absolute, should appear about six weeks following that.
Prior to when the judge can grant your application that your civil partnership has broken down, they’ll need a number of details of how any property and money are to be split, as they’d be in a spousal relationship. Your divorce solicitor will be able to assist you with this and also providing you and your significant other can agree on what’s to be carried out regarding joint property and assets, that shouldn’t be described as a problem.…