Jim K asked:


Also, if it’s possibly, where can you do it and how much would it cost?

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Fedup Veteran asked:


I haven’t heard anything about it and I am very curious about the facts.

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KBGood asked:


I don’t believe he is using my last name, but I want to know if it’s legal for him to use my first name without my knowledge.

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Jack Payne asked:


If 75% of women wear the wrong bra size, and 75% of men wear shirts with the wrong sleeve length, is it any wonder that so many people do not understand paper trails, do not understand their critical roles in con games? Fraud, shell games, scandal-revelation and creation, and rip-offs of every kind flower from this tell-tale debris.

And, alas, most importantly, it is essential to understand how all of this paper trail information is tied together by social security numbers. (For the intent to rob you blind, this information collecting method is, obviously, patently illegal. For the lawn mower manufacturer, in his search for demographics trying to sell you a new riding mower, however, society seems to feel this is O.K)

Spreading like wildfire, with the aid of an internet stage setting, what are paper trails anyhow? Let’s be more specific.

Simply put, as they might affect you, they are every sort of record, kept anywhere, that link business transactions back to you. These can be any paper document such as a bill of sale, promissory note, receipt, application, resume filing, customs claim, insurance form, notarized statement, any legal form. These spell out into computer records.

It’s largely society’s propulsion into the computer / internet era of the 1990s that has brought about this current-day fleshing out of the “paper trail.” It’s now so efficient that the structural schematic of this thought-police invasion–this total assault on your privacy–should indeed frighten you. What next? you might ask. Will you be marked with a tracking device so the government always knows where you are?

In this day and age it’s computers, computers, internet, internet. Far and wide. They are to blame. It’s computer records that pull all these bits of paper information together, to the delight of con artists.

Examples: Credit card purchase? Computer. Bank deposit? Computer. House purchase? Computer. And, the list goes on and on. Endlessly.

Take a simple, one-time credit card purchase. This is stored in the bank’s computer, as well as several way stations along the path back to your bank, in the network’s computers. When you deposit cash into your checking account the information is stored in a computer. when you deposit cash into your savings account the information is stored in a computer. when you buy a house you get a triple-whammy, the transaction is stored in a computer, in paper form, and on microfilm at your county recorder’s office. Every time you turn around and blink these days, it seems, something about you is recorded in a computer.

And, sad to say, the common link that pulls all of your business transactions together is your social security number. It is the commonly used identifier of the present day age. By using only your social security number the con man can put together a near-total list of your business transactions stretching back over the years.

So, stealing your ss number–it being the string-tying mechanism which pulls everything together– then packaging it neatly and presenting your financial affairs to the world as the “whole you”–makes it easy for the con man. These data include such invasion-of-privacy issues as what assets you have, where you shop, what you buy, and what you owe on various credit accounts and loans. The skilled con artist knows precisely how to pull this string.

Unfortunately, too many people today regard this as only a mild irritation, like talking to robots on the phone while trying to make a warranty claim on a defective computer. Red flag! It’s far more serious than that So, like it or not, the challenge is on you, to weave, dodge, confuse, and bewilder any scam artist who might be about to stalk you.

How do you do this? How do you fortify your defenses?

You must disrupt your paper trail. This can partially be done in several ways, or combination:

1. A long, long time ago, in a galaxy far, far away (seemingly), cash was used. Stash your credit and debit cards. Earmark them for occasional or emergency use only, and for the most part rediscover cash money, paper and coin. Go back to this simpler form of exchange wherever possible. We all feel nostalgia isn’t what it used to be, but this step alone will go far toward masking your paper trail.

2. Set up a Trust. This is like turning the porch light on, with nobody home. It somewhat confuses the paper trail by disrupting the con man’s view, due to the linkage between you and your Trust. Like the service station attendant washing your windshield with a soapy brush, this will partly obscure the vision of the con man trying to put together a financial profile on you.

3. Refuse to star in the con artist’s psychodrama. Go offshore. Not physically. Just export some of your assets This is not considered socially acceptable. Not patriotic, either. But, it’s not illegal, and it is most effective. If you make yourself invisible to the bureaucrats–and the scam artists–they will have no address with which to find you. (A page torn from a legal thriller?)

4. You ask, what if the Hokey Pokey is really what it’s all about? Incredibly, the U.S. Supreme Court has ruled that bank records enjoy no privacy protection. That’s right, none. They are considered property of the bank, You are not, however required to reveal your social security number when opening a non-interest bearing account, e.g. checking, debit, credit card. So, don’t. You are only required to reveal your social security number to a bank when interest-bearing accounts are involved. This is because the bank must report to I.R.S., for tax purposes, on how much they paid you.

5. You can even out-con the con man. Follow the New Hampshire state motto: “Go away and leave us alone.” Get yourself a post office box, then write, “Moved, left no forwarding address” on the face of every envelope that the postman tries to deliver to your home. That would certainly leave anyone trying to steal your identity hanging by a quickly-shrinking thread. This would be like giving a seeing-eye sled dog to a blind Eskimo..

These are just a few of the steps you can take to shore up your privacy. These steps will not totally obliterate the scam artist’s view of your financial structure. But, it will hinder it to the point of nearly crippling him, leave him babbling to himself, wondering how to write zero in Roman numerals. Consultation with an expert attorney would undoubtedly reveal more avenues of privacy restoration.

If such preventive steps were universally adopted, it would be quite a blow to the scamsters. It would leave con men everywhere quaking in their Hummer SUVs and calling their analysts on their cell phones.



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Joshua Fuson asked:


Prepaid Legal Services has become one of the largest and most successful network marketing companies ever. They offer a variety of identity theft and legal-protection services, as well as an income opportunity is someone wanted to become an associate and re-sell those services.

There are, however, some very real concerns and issues about starting or participating in a Prepaid Legal business. In this article, I will provide and unbiased review of the pros and cons of developing a Prepaid Legal business, and see if we can find out whether Prepaid Legal is a great opportunity - or a great scam.

Prepaid Legal - The Good

Pre-Paid Legal Services began in 1969 when CEO and founder Harland C. Stonecipher was involved in a vehicle accident which left him with legal bills. He began researching the industry of European legal expense plans. In August 1972, Harland Stonecipher created Pre-Paid Legal’s predecessor, The Sportsman’s Motor Club, offering legal expense reimbursement services as a motor service club. Pre-Paid Legal started selling plans through network marketing in 1983. Pre-Paid Legal went public on the NASDAQ National Market System in 1984, and two years later moved to the American Stock Exchange.

With over 1.5 million members, they are one of the largest network marketing companies in existence today. Their legal plans are sold by independent associates and can be purchased either by a one-on-one basis or in a group setting as the plans may be provided as an employee benefit. These plans provide preventive legal services, which include telephone consultation on unlimited personal legal issues, document and contract review, and will preparation.

The best thing that Prepaid Legal offers is peace of mind. Knowing that you are legally represented, that you have no danger of having your identity stolen or misused, is a very secure state of mind.

Prepaid Legal - The Bad

Prepaid Legal is a network marketing company, which means that distributor of their services can build a downline and earn income off their distribution channel.

Prepaid Legal is one of the oldest and most established network marketing companies. Being over 50 years old, the first flag that we noticed is they are using marketing techniques that worked better 50 years ago. They encourage people to use their “warm market”, i.e. friends, family, work colleagues, to grow your business.

Prepaid Legal also teaches their distributors to use the “3 foot rule”. This is where you are supposed to talk to anyone 3 feet around you about the Prepaid Legal services and opportunity. That type of thing might have worked back in 1960, but in this day and age, it simply positions the distributors as a desperate salesman looking to make a quick buck.

Prepaid Legal - The Ugly

The fact is, someone could absolutely make tons of money marketing legal service products - if they know how to market effectively. Trying to build a six-figure income on the backs of friends, family, and work associates is more than just a tough sell - it can be downright frustrating, not to mention ineffective. Trying to “sell” and convince people on the legitimacy of your product and opportunity is much less fun and much less lucrative than talking to people that have already expressed a direct interest in what you offer.

In closing, I would say that starting and developing a Prepaid Legal business is lucrative if someone knows how to market effectively. It is not a scam, but like any business, success will be determined by the skill-set of the marketer. Prepaid Legal is definitely not a lottery ticket or a stock option - meaning, you do not just buy in and wait for a payout.

If someone does not have the first clue on how to market effectively, then I would suggest they either learn how to be an effective marketer, or else just use the products and leave it at that.



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Jack Payne asked:


Why is the con man so good at passing himself off as the most qualified authority on redemptive truth since Pontius Pilot? For the same reason Willie Sutton robbed banks, because, “that’s where the money is.” Money, to the scamsters, is like blood is to sharks. Unlike bank robbers, who rely on gun expertise, get-away cars, and hideouts, the polished con artist rolls the dice based on his self-presumed intellect, charisma, charm, and powers of persuasion. He is boisterous, loud. He pours it on. The result? Now , with the instant, world-wide reach of the internet to aid him, it’s an eruption of shell games so severe they can only be described as an epidemic.

If you must blame the messenger, it’s the internet. Pure and simple. These charlatans no longer have to toil long hours beguiling the masses in person. Gone are the days when they would merely talk, smile, mislead, fleece and run. Now they can operate entirely from the shadows, the anonymity of the internet. And, they do. More and more and more, as each year passes.

The figures are frightening:

>Escrow scams which averaged $3,000 just 5 years ago are now approaching $10,000.

>Wire fraud which came to some $5,000 an average pop in 2002 now comes in at an estimated $12,000.

>In 2002 the FTC put identity thievery at some 750,000 cases Today they are looking at upwards of 1,000,000. Some estimates go as high as 10,000,000.

These are just a few scare tactics we are using to get you to wake up, smell the coffee, take the medicine–eat the can of cold beef chili if necessary. Armor yourself for the coming onslaught against your good name, established identity, anchored lifestyle, and peace of mind. Do it now. This plague is growing by leaps. So, be assured, as you are reading this, at this very moment it is inexorably coming at you. It will surface, most likely, sometime within your next 10-year future. The ages-old, tried and true “Law of Averages” dictates this.

First protective steps:

1. Wire money in select, rare instances only. Going overboard here could speedily make your primary source of income be the pawn shop. Do this only when maximum research has revealed the safety of it.

2. Forget all kinds of bank transfers for the most part (In some instances bank-to-bank transfers are O.K.) This omission alone, if done en masse, would be a sharp stick in the eye to con men.

3. Never use your debit card online. Set up a “debit block” at your bank. This is locking the barn door well before the horse escapes to freedom.

4. Never send money that you cannot afford to lose overseas. Except, in rare cases, money orders or cashier’s check only, preferably just small amounts at any given time. (This is preferable to wiring funds because the extra delivery time gives you, at least, a small window to alert law enforcement authorities if things go immediately afoul.) This will go far toward thwarting eager overseas con men who feast on gullible Americans like Al Capone once did on rival gangsters.

5. Deal only in credit card transactions, watch your statements closely, and at the first sign of trouble, report it to your bank in order to nail down your maximum $50 loss protection. This is not something you can put off.

6. At one time in your life you might have thought to yourself, I used to be indecisive, but now I’m not sure. No place for that kind of thinking here. If you are ever caught up in a costly financial loss due to a scam, don’t walk, run to your nearest police station and file a Crime Report. Decisiveness is paramount. All subsequent, meaningful legal actions will spring from this.

7. Never send out by mail or internet–to anyone you have no history of doing business with–vital personal financial information, e.g. bank account numbers, routing numbers, debit account numbers, social security numbers, passwords. Doing this would be boldly going nowhere.

A fool and his money can throw one helluva party. Better to spend your money that way than to feed it to these sharks.

That’s probably the way they would spend it, once they parted you from it.

A group of bears is known as a sloth. Sadly, a large portion of our lackadaisical, laid back citizenry also falls under this description. Bears because they sleep half the year away; people because they sleep year around–when it comes to their financial protection, that is. You cannot trustingly await the flowering of moral values among the con man breed. Like it or not, now is the time to swallow a large dose of horse sense. Then mull it. Contemplate it. Act on it.



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newly preg asked:


An upper manager was recently fired after 27 years of service (no one knows why at this point.) Middle managers have made a feeble attempt to counsel staff about this and insisted that no one is to speak of this firing. There are no legal proceedings that anyone’s aware of. I say that this is ridiculous. It’s a free country and under our constitution’s first amendment, we’re free to talk about anything we please. Who’s right?

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marie h asked:


I live in PA if it makes a difference.
Also, is it different if the employer is your current employer or former employer, thst is giving the reference?

Thanks

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Faye B. Roberts asked:


There are two different categories for legal grounds for divorce: “Fault” and “No Fault”.

What is “No Fault” divorce?

“No Fault” divorce is when the spouse suing for divorce does not have to prove that his or her spouse did something wrong. Every state recognizes the legal grounds for divorce regardless of who is at fault.

To get a No Fault divorce, the suing spouse just simply states a reason recognized by that state. In most cases, it’s enough to say that the couple cannot get along, (these go by the names “incompatibility,” or “irreconcilable differences”).

In many instances however, the couple must live apart for a period of months or even years in order to get a No Fault divorce. One spouse cannot stop a No Fault divorce. Objecting to a spouse’s request for divorce is itself an irreconcilable difference that would justify the divorce. There is a 60 day waiting period before the court grants a divorce on the grounds of irreconcilable differences.

It is important to do some research for the state you live in since a No Fault divorce is the only option allowed by a number of states. The other states recognize both a No Fault divorce or a Fault divorce.

What is “Fault” divorce?

Fault divorce is a divorce granted on one of the following:

* cruelty (inflicting emotional or physical pain) - this is the most frequently used grounds for legal divorce

* adultery

* desertion for a specified period of time

* being confined in prison for a set number of years, and

* physically unable to engage in sexual intercourse, if it was not disclosed before marriage.

Some people choose a Fault divorce because they don’t want to wait out the period of separation required by their state’s law for a No Fault divorce. Also in some states, a spouse who proves the other spouse is at fault may receive a greater share of the marital property or more alimony.

Since the legal grounds for divorce vary from state to state, choose the grounds that applies to your situation and is legal in your state. Use the guidelines below to do your research.

1) Each state has different laws about divorce. Check the laws of your state yourself or talk to an attorney to define what the legal grounds for divorce are in your state.

2) Some states allow divorce based simply on irreconcilable differences. You don’t have to give any reason other than that.

3) Realize that in some states it is more (or less) difficult to obtain a divorce.

4) Abandonment by your spouse is legal grounds for divorce in some states. There is usually a time requirement before you can file for divorce.

5) You should give consideration on the way your spouse treats you. Many states allow divorce if there is cruel or inhuman treatment.

6) Legal separation is also grounds for a divorce. Many states have a requirement that you must be legally separated for a specified period of time before you can divorce using separation as a reason

7) Serious consideration should be given when using adultery as legal grounds for divorce. Adultery occurs when one spouse has sexual intercourse with someone else during the marriage. Most states require a lot of proof if using adultery as grounds. This can often be very unpleasant and confrontational.

The information provided is by no means a complete compendium of the legal grounds for divorce, rather a basic framework to begin your research. If both partners are in agreement a divorce can be a simple procedure. If not in agreement, it can become a time consuming, tedious, and expensive procedure. Knowing your rights can help alleviate some of this confusion and expense.



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thatsunderstandable asked:


It seems like invasion of privacy to me to every other people in the building knowing business.

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