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Bill would freeze identity thieves in their tracks

The latest reports that a fraud ring access to personal and financial information is estimated at 140000 consumers, including Washington in 3189, manages computer databases of ChoicePoint Inc., stressed the need to stringent security measures against identity theft.Choice Point is a resident of Atlanta, compiling a huge database containing information on millions of Americans in the criminal records and other public documents. The opportunities are companies maintains a record.

The Choice Point, the files have been compromised that contain sensitive information such as Social Security numbers adapted to the names and addresses. This is exactly the type of information scammers use for identity theft to celebrate is the most rapid growth in financial fraud to the USA and the ruins of credit for millions of Americans each year.

According to a report by the Federal Trade Commission in 2003, nearly 10 million Americans are victims every year. The financial costs are high. The identity theft cost consumers and businesses and write $ 51 billion per year. And if you live in Washington, you have a better chance to live the identity theft in the past year, said the FTC Washington, the eighth highest number of identity theft per capita of each State in the country.

Identity theft is an equal chance of crime on victims of all races, income and age. If you are a victim of identity theft and have opened a new account in your name, you spend an average of $ 1495 and 600 hours cleaning up your credit. In the meantime, you can become an increasingly hard time for a car loan, home mortgages, credit cards, an apartment or even an offer because of damage to your credit card.

Tips for victims of Choice Point

Choice Point is an organization of compensation for personal information, insurance companies, employers and government with information for consumers. The company made headlines because the information contained in the hands of fraud artists as the legitimate interests of officials.The company has information on the victims could include: name, address, social insurance numbers, drivers license numbers, abbreviated credit reports, bankruptcy, applications for licenses and real estate professional . A woman from Los Angeles to a complaint filed against Choice Point to the marketing threatening its identity.

How is it that a company has the right to sell this information? Often, my friends. He often works in our favor. Choice Point has more than 19 billion coins separated for consumers.

The government uses information collected by Choice Point and other databases for monitoring terrorist activities, while banks, employers and landlords to run to use the information about you.

It is not always a bad thing that your personal data available to enterprises. However, Ed Mierzwinski, Consumer Program Director at U.S. Public Interest Research Group, it should not be easy for companies, especially those fraudulent for consumers. “

On the cover Top stories

As Senior High School in Houston, Zachary Keith Hill hour of the death of his doting souped-up Honda Accord, Pratiquer hair tangle skills and surfing on the net. Hopscotching AOL Chat Rooms and Message Boards, it hakte “Mike”, a salty 16 years, New York City with a preference for slamming blowhards Chat-Room. Mike Hill helped rowdy a website for one of his classes in winter 2002, a tenure, grew up in a friendship, and within months, became a partner in Crime Spree.The fact that the deeper partnership and adopted shortly after it entered Hill Freshman Year as a computer engineer student at Texas A & M University, Prairie View, that. The Husky 20 years, remembers: “Mike said:” Whatever you think, I can tell you for free. “I was like” cool “.” During the next few years, the duo Blitzed, Hill asked that “thousands and thousands and thousands of fake e-mails allegedly Billing Center AOL subscribers and they requested financial information confidential until their accounts have been cancelled. A link included in the e-mail to a recipient realism breathtaking, but false AOL page, where they have their credit card numbers. The data were sent to an e-mail opened under the name of Hill. Hill and his accomplice took advantage of the pilfered cards on a credit of $ 47000 for online shopping, video games, computers, equipment and car accessories.

The FBI nabbed Hill, after making a packet contains a mat costly to mitigate the speakers in the trunk of a car. After searching more and more to justify the authorities on his computer 473 credit card numbers, 152 types of bank accounts and routing numbers and 566 types of user names and passwords. Mike Hill debt, but pleaded guilty to federal fraud charges and was sentenced last May to 46 months in the case of a low-security prison in Beaumont, Tex. (because it has a small, Mike was of the State prosecutors never followed each action; However, it was the payment of $ 125000 by the Federal Trade Commission, a judgement which has remained.) “It is not as bad as thinking,” says Hill, rely on a brave front in a fresh and green prison uniform. It does not regret for his crime or his victim-caught only regret that. “I wanted to, I would not come for that the strains of the carpet, “he said.

In addition, granola: New rules of the USDA label prove that bio Hit the big time

Since nutrition labels standard has been omnipresent on foods such as UPC bar codes, learned a lot buyer-to-peer on their purchases a little more closely.Now, consumers have yet another label.

All fresh and processed food manufacturer, the terms “organic” or declare that the product bio-ingredients must be equipped with a Federal minimum standard for environmental certification.

The change is not only decorative or simply informative, but signals, as most of the estimated $ 7.8 billion per year, the industry has opened up the market. In the decades since the organic produce began as a natural place in grocery stores, while potato cereal for breakfast frozen dinner came a name organic compounds

The Dallas Morning News Personal Finance column

If a postcard and Steven Kay Armstrong has promised a free round when they showed for a meeting, it was calculated to leave a timeshare sales pitch.The Duncanville couple, before we agreed not buy everything. But during these 90-minute presentation two years ago, Armstrong “guard was cut.

“There was pressure then decide correctly or not at all,” said Armstrong. “Normally, I would have asked for information to the house and check out the company. It was the first time, I have something.”

At the end of Armstrong, both 49, paid $ 2000 for access to discounts on travel, which is never available. And the “free” travel, it had attracted so many restrictions, he never cashed.

Still, Armstrong is more likely than others pay as much as $ 5390 for the same company. And their history, consumer advocates say, should serve as a warning, as the summer travel season brings a cascade of such offers to e-mail, by phone and online.

Utilities accused of fraud in California

In a bold step to try to resume some $ 9 billion spent during the electricity crisis in California in winter 2000-01, two programs and three public offices, a report Monday the federal government says that energy companies and public institutions to drift conspired Energy prices.After filing 1000 pages - supported by 3000 pages of documents - by the Federal Energy Regulatory Commission, businesses and utilities, such as Enron, market manipulation “in excess of California consumers $ 9 billion.

House passes patients rights

The Federal Parliament has approved the first guarantees for patients Managed Care Thursday evening, the new consumers of force against organizations, health maintenance, but their capacity, problems of recourse to the courts, that President Bush vigorously opposed.Chamber of Deputies after the legislation more closely linked to a party around online voting an agreement at the White House encountered a day earlier Rep. Charles Norwood, R-GA., A conservative Republican, has six years a crusade for the rights of patients.

In this process, the legislature has a fierce competition with the Senate, democratically controlled, clearly authorizes the broadest protection for patients five weeks, and increases the uncertainty of whether a patient’s rights law in Washington this year .

The 226 to 203 votes - without a single GOP defection - approval of the action reflects a quick political victory for Bush, appeared two days ago to the brink of defeat on an issue that polls say is most paramount importance to public opinion.

What do we expect when applying for insolvency proceedings

While you are bankrupt, the court controls your finances. A judge ultimately decides how much money you need to live each month, your finances are not discussed in the privacy of your home, but in public opinion, you have to ask permission to any additional debt, so you pay cash for everything.And if you are against the rules of lies about your income or hiding assets, the judge may dismiss your case and leave yourself with the right, where you started, minus your registration and charges d ‘ lawyer. It may also from depositing bar once again for a period of six months and one case of fraud against you.

“Yes, it is complicated, but we want to make sure people are not abusing the system,” said Diane G. Reed, a representative for the Northern District of Texas bankruptcy courts.

This means that the system works smoothly, after lots of practice as personal bankruptcies have increased in recent years.

“People think it is a long, supernatural, but it’s really not,” said Reed, is also a consumer insolvency lawyer in Waxahachie, Texas, USA.

The life or death depends on where you live

After waiting more than ten years for a liver, Jonathan Van Vlack was deteriorating. His well-inflated fluid and toxins accumulating in his blood made him forget his own name. Nevertheless, he was not sick enough - not in New York, where about 2000 people have been fighting the country for the same scarce livers.”It is equipped with a very difficult period at this time, his wife, Laura, irritated by e-mail to a friend in March 2005.” We need to come liver.

It did. Van Vlack died in December at its 53 anniversary.

Frank Evanac was stalled in the same line. In 53 years, he had long waited four years for a liver transplant, and he needed a kidney as well.

After a council of July a fourth party, but there were in New York.

Without saying his doctors, he travels with his sister outside Jacksonville, Florida, and a new waiting list.

Fourteen days later, a surgeon stung in his new liver and kidneys.

Two very sick men. Two sites. Two fates.

THE National Registry is glorified in itself long on the principle of fairness: the institutions should be on the sickest or victims of the longest.

For example, is sacred, that the code violations forced three transplant programs in California to close in the last seven months: At St. Vincent Medical Center in Los Angeles, the staff has a liver transplant patients and for him given to another person below the waiting list. At UC Irvine, viable livers were refused because the patients died waiting. The Kaiser Permanente in northern California, hundreds of patients a new kidney rushed a new program was pent in unison.

South Carolina lawyers in the news

Plowden Richardson adds Statkus The judicial is the practice of groupShannon, lawyer Heath Statkus, the law firm of Richardson, Plowden, Carpenter & Robinson, PA, as an associate.

She is a member of society litigation practice group and focuses on its general practice of judicial review is excluded.

Statkus earned his law degree from the University of South Carolina School of Law in 2002, where she graduated in the top third of their class.

A country man Aiken, deserves a Statkus-Undergraduate degree in political science from USC. Before joining Richardson Plowden, Statkus was an assistant attorney the11th Judicial Circuit Solicitor’s Office Lexington also clerked Hon