justice for all

This Saturday, a documentary on Pre-Paid Legal was featured on national television, specifically showcasing the opportunity available. Pre-Paid Legal’s slogan is “Making a living while making a difference” because so many lives have been bettered by the life events legal and identity theft memberships.

In case you missed the show on Saturday, click on this link for more info (option # 8):

http://israelrevealed.com/justiceforall

For further information, visit us online.

Last Wednesday on the front page of the Daily Herald and the Salt Lake Tribune was an article on how University of Utah Hospital patients had been victims of identity theft.  Recently ID theft surpassed drug trafficking as the most widespread crime in the word. 

In the latest trend of identity theft, people assume your identity and get expensive medical procedures done under your name and you get the bill.  One lady received a statement from her insurance company for tens of thousands of dollars for a foot amputation she never had.  She marched over to dispute it, both feet intact, and because it was her name, address and SSN, it was her bill.

Kroll and Pre-Paid Legal offer the premiere Identity Theft Shield which protects you from not only financial identity theft, but medical identity theft also.  For more on how to protect yourself today, visit http://www.prepaidlegal.com/hub/wardfunk. 

SAN JOSE, Calif. - Todd Davis has dared criminals for two years to try stealing his identity: Ads for his fraud-prevention company, LifeLock, even offer his Social Security number next to his smiling mug.

Now, Lifelock customers in Maryland, New Jersey and West Virginia are suing Davis, claiming his service didn’t work as promised and he knew it wouldn’t, because the service had failed even him.

Attorney David Paris said he found records of other people applying for or receiving driver’s licenses at least 20 times using Davis’ Social Security number, though some of the applications may have been rejected because data in them didn’t match what the Social Security Administration had on file.

Davis acknowledged in an interview with The Associated Press that his stunt has led to at least 87 instances in which people have tried to steal his identity, and one succeeded: a guy in Texas who duped an online payday loan operation last year into giving him $500 using Davis’ Social Security number.

Paris said the fact Davis’ records were compromised at all supports the claim that Tempe, Ariz.-based LifeLock doesn’t provide the comprehensive protection its advertisements say it does.

“It’s further evidence of the ineffectiveness of the services that LifeLock advertises,” said Paris, who is lead attorney on the three new lawsuits, the latest of which was filed this month.

Davis learned about the fraud in Texas when the payday-loan outfit called to collect on the loan, he said. He didn’t get an alert beforehand because the company didn’t go through one of the three major credit bureaus before approving the transaction.

Davis said it’s possible driver’s licenses have been issued to other people in his name because of the widespread availability of his personal information — and because of what he described as the flimsy mechanisms in place to report that kind of fraud.

Paris noted that LifeLock charges $10 a month to set fraud alerts with credit bureaus, even though consumers can do it themselves for free.

But Davis stands by his company and his advertising gimmick, which has appeared in newspapers and on billboards, radio and MTV. He even broadcasts it by bullhorn on walking tours through crowded downtowns.

“There’s nothing on my actual credit report about uncollected funds, no outstanding tickets or warrants or anything,” he said. “There’s nothing to indicate my identity has been successfully compromised other than the one instance. I know I’m taking a slightly higher risk. But I’ll take my risk for the tremendous benefit we’re bringing to society and to consumers.”

The lawsuits, for which Paris is seeking class-action status, highlight the fundamental limits on how much security identity-theft companies can provide.

Companies like LifeLock can help guard against only certain types of financial fraud by helping consumers set up alerts with credit bureaus, which inform them when someone tries to open a new line of credit or boost their credit limit to finance a buying binge, for example.

The services don’t guard against many types of identity theft such as use of a stolen Social Security number on a job application or for medical services, or even the instance of an arrestee giving police a stolen Social Security number to shield his own identity.

LifeLock is also being sued in Arizona over its $1 million service guarantee, which the plaintiffs claim is misleading because it only covers a defect in LifeLock’s service, and in California by the Experian credit bureau. Experian accuses LifeLock of deceiving consumers about the breadth of its protection and abusing the system for attaching fraud alerts to credit reports.

Security experts say complaints about the company reinforce the time-honored wisdom of keeping your Social Security number secret.

“There’s been a lot of marketing, a lot of hype about LifeLock,” said Paul Stephens, director of policy and advocacy with the Privacy Rights Clearinghouse, a nonprofit consumer advocacy organization. “The question is, ‘How much protection does it really buy you?’”

“There is no company that can guarantee they can protect you (completely) against identity theft,” Stephens said. “Absolutely nobody can do that.”

Medical identity theft was recently featured on the front page of Readers Digest magazine. The fastest growing form of identity theft, medical identity theft is where someone has medical procedures done under your name and you get the bill for it.

Recently, I heard of a woman who got a $40,000 bill in the mail for a foot amputation she didn’t have performed. With both feet intact, she took her bill to hospital to dispute it. They said to her, “Is this your name? Is this your social security number? Is this your address? Then this is your bill.”

Medical identity theft can be a lot more than just a bill in the mail. A registered nurse was at the hospital filling out the necessary paperwork for an upcoming operation. The woman behind the counter was asking her a lot of questions about her blood, which she thought peculiar, so she brought it up. “Well, it says here you’re HIV positive.” While clearly a mistake, once medical records are altered, they cannot be changed. Distraught and in tears, she tells her boss about this terrible experience. Unexpectedly, he fired her on the spot - someone with AIDS can’t working closely with patients.

Thankfully, there is a solution. The Identity Theft Shield from Pre-Paid Legal and Kroll cover all five areas of identity theft - not just the financial aspect as most companies do. You receive daily monitoring of all your identities and email notifications if something triggers an alert. Here is what really sets us apart from everyone else - in the event your identity is compromised, you are assigned a licensed investigator who will work to restore your good name and identity while you go back to your life. All for $12.95/month for both you and your spouse or significant other.

To learn more, visit us online at http://visit.buildlastingsuccess.com to watch a 15-minute presentation on how to protect your identity today.

Robert and Kim Kiyosaki of the Rich Dad, Poor Dad fame, were esteemed guests at the Pre-Paid Legal International Convention in Oklahoma City in March 2008. Kiyosaki spoke of the dire economic state of our country and charged us all to educate Americans about how to switch from an employee to a business owner mindset. With our current economy, many North Americans are looking for alternate sources of income. Kiyosaki, a big believer in Pre-Paid Legal, wishes he had known about this opportunity before he started his business.

Above: Representatives from each provider law firm across the United States and Canada were represented onstage.

I also had the pleasure of meeting Dave Savula, top money earner in the company.

To learn more about the incredible services Pre-Paid Legal has to offer and the opportunity to work from home, visit http://visit.buildlastingsuccess.com to view a 15-minute online presentation.

Do you know someone that could benefit from earning an additional $500 - 1000 / month? Our NYSE company recently launched a national expansion and are looking for sharp, motivated individuals to help share the message, earn a full time income part time from the comfort of their home and earn residual income for life!

Robert Kiyosaki said of us in 2003 that he wished he’d known about our company before starting his.

To learn more about this incredible opportunity, visit http://visit.buildlastingsuccess.com to view a 15-minute overview to decide whether this is for you.

Look forward to doing business with you!

I remember being concerned about identity theft when we lived in a large apartment building and once or twice it seemed like we didn’t receive our credit card bills in the mail. As nice as it would be if our bills just disappeared, I have learned that this is one way identity thieves steal your credit card information - by taking one of your credit card bills, changing your address unbeknownest to you, then changing it back before you even notice.

In the meantime, they have opened up a new credit card in your name with bills coming to their address so you don’t even know about it. In fact, most victims of identity theft don’t find out for an average of 14 months that their identity has been compromised. Unfortunately the rule of thumb with credit card companies is unless you report any errors on your statement within 60 days, you are held financially responsible. But what if you’re not even getting your statement in the mail?

This is why I was so relieved to learn about the Identity Theft Shield. Offered through Kroll Background America and Pre-Paid Legal, two 36-year-old, publicly traded companies, they have teamed up to give North Americans peace of mind on the highest growing crime in the world, identity theft. With the Identity Theft Shield, you are protected in three ways: first, you are given a credit report; second, you’ll receive daily monitoring of your identity and will be alerted immediately by email if a credit card is opened in your name, or your address is changed to ensure this was done by you; thirdly, if you are compromised, Kroll will assign you a licensed investigator to go to work for you to restore your good name.

Many other companies provide a credit report and monitoring. But what good is monitoring unless they are able to do something about it? It’s like getting a phone call from the fire station while you’re on holiday reporting that your house is on fire but that they won’t be putting it out - they just wanted you to know.

On average, an identity theft victim will spend 600 hours, or the equivalent of 15 40-hour work weeks to put their name back together again. Wouldn’t it be wonderful if you had a professional world renown company on your side to do this for you so you can return to normal life?

To learn more about the Identity Theft Shield, please visit our website.

Two and a half years ago, I married an American and moved from Canada to the Salt Lake City area for school. Upon arriving in Utah, we also had the good fortune of becoming involved with a reputable New York Stock Exchange company called Pre-Paid Legal Services, Inc. A 35-year-old tried and tested business, Pre-Paid Legal specializes in providing affordable legal access to protect every family in North America. Another phenomenal product offered is the Identity Theft Shield which provides daily monitoring of your entire credit report and full restoration in the event your identity is ever compromised.

Personally, having these services available to us since arriving in this new country has made me feel so much safer than I would have otherwise. We have had our wills prepared and experienced greater peace of mind.

Please visit our website to watch a brief video overview about how to protect yourself and your family. Perhaps you know someone who could benefit from this information. We look forward to your feedback.