Category Archives: Economy and Meltdown

Battling Fraud in Arizona

Overview

Fraud, at its most basic definition, refers to an intentional deception made for personal gain or to damage another individual. It is a very real issue that has plagued businesses and affluent organizations for years; in fact, the typical organization loses 5 percent of its annual revenue to fraud, with a median loss of $160,000 (Association of Certified Fraud Examiners).

Movies like Catch Me If You Can detailing the extravagant life of American fraudster Frank Abagnale Jr. may cast the crime in an almost appealing light, but fraud is and always will be a crime that is punishable by extensive jail time. In Arizona, the amount of money stolen relates to the severity and class of the crime; for example, if the amount at issue is less than $1,000, the case is categorized as a Class 1 Misdemeanor.
However, if the case involves an amount of $25,000 and above, it then becomes a Class 2 Felony and is punishable by an extended prison sentence upwards of seven years.

Types of Fraud

Also dubbed “White Collar Crimes”, there are several different types of fraud that exist. A few of the more well-known examples are:

Bank fraud involves the use of a banking institution in order to engage in conduct with a fraudulent enterprise, a material omission, or misrepresentation for a bank loan. The charge can be applied to bank employees
as well as customers; typically, the bank employee approves a loan that should not have been approved.

Money laundering is usually accompanied by charges like drug trafficking. It occurs when someone attempts to pay another person with money gained from illegal activities, or the illegally gained money is deposited in a bank account or corporate shell.

Computer and Internet fraud are relatively new in the world of fraud, but they are charges that are becoming more and more mainstreamed as computers and the Internet become more integrated within our society. Identity theft is one of the most common forms of computer and Internet crimes, involving hacking into computer files or using the Internet to access bank account and credit card information.

What to Do

If you or a loved one have been convicted of any type of fraud, it is imperative that you get in touch with a qualified fraud attorney Arizona immediately. A criminal attorney in Arizona well-versed in the state’s fraud laws will be able to ensure that your case is fought for a reduced or even dismissed charge. Your first step should always be to contact a trusted criminal attorney in Arizona; they will provide you with the tools you need to win your case.


An Arizona criminal defense attorney with the experience of 20 years in law, Guy will provide you with an outstanding, passionate defense in the face of criminal law charges. For more information about Guy and his mission, contact him here or at 602.396.7114.

Google Biz Kit Scam, BUT It May Have Helped You, Here Is Why

The google biz kit is a scam if you haven’t already guessed.. But you were looking for a home business so don’t give up hope! The google biz kit scam may have lead you to me, and I have the answer if you want a home business, and are scared of more scams.

Welcome,

Let me start by telling you that you are not alone, I started out online falling for the google biz kit scam. But I am thankful for it now.

Here is my story, you will want to read this because I am offering you a one on one, I am just happy with how far I have come. My favorite thing to do is to help people, and I am happy to do this because in a good deal everybody wins, and in a scam, just the scammer wins.

Google biz kit scam may have been a scam that stole your money, and didn’t offer you anthing real. I am sorry for that. But because you recognized it as the scam it is shows that you have critical thinking, and that means you are going to be ok. In fact, part of making money with a online business is being able to think outside of the box a little.

I want to help you. Don’t bother me though if you aren’t really ready do make a difference in your life, or you expect this to be giving to you. I don’t waste my time with people who are just concerned with making millions over night. That can happen but that is the exception not the rule. People who make a  fast are very rare, and most likely were working on it fare longer then one night. You just heard they did it over night.

Who am I and what will you get from me?

Four months ago I was at the end of a long hall of a failing business. I lost ten houses that my bank just up and decided for no reason to take away from me. I lost my whole net worth in about a 6 month battle with my bank to try and keep them. After months of fighting to save my failing business, I lost and was left with nothing but my will to keep trying and one day solve the making money puzzle.

I just knew there was money to be made online. But How?

So, I woke up defeated, after the train wreck that had taken down my business I was very happy to start a new chapter in my life. I would later call this the Chapter of my life called, “Internet Success”. Although, it certainly didn’t start that way.

Little bit of failure lead me to some big success.

The first thing I found when I started searching for money online was the google biz kit scam. Now, I didn’t know it was a scam when I started, but then again, most people don’t. However, I luckily didn’t waste much time on it because I found out it was a ponzi scheme very quickly.

The next thing I did once I found out about the google biz kit scam.

First I got pissed off, and thought to myself, “am I ever going to kick this losing streak?” Then I got on google and typed into it, (and I will never forget what brought me to the tool that would go on to create a monster inside of me, that is capable of making money online!) “google biz kit scam”.

I looked at the search results that google gave me, and clicked on one that appealed to me. I was literally praying to God, asking him to help me find the answer that seemed to be hidden in a sea of scams! But I went on to click on one of the websites that popped up.

I read through all of the content on the page that I had clicked on. I remember it like it was yesterday, at the very end of the page, the writer left me a clue to where I might find some real direction online. He left me a link to a web page, and on that web page there was another link, and that lead me to where I now feel at home.

To learn more about the place that I have learned what I needed to learn you can click on this link, and hopefully you have the same story as me in 4 months. You can also find my email address on this website and talk to me more about my online business, and how I have taken over my own life.

Here is the link:  http://www.squidoo.com/Google_Biz_Kit_Scam


Here is the link: http://www.squidoo.com/Google_Biz_Kit_Scam

How to avoid becoming a victim of fraud

No FraudAccording to the Bureau of Justice Statistics in 2002, Out of every ten Americans, one became a victim of fraud. This may have increased by now. These data were derived from the survey and did not fully reflect the real situation. The same survey showed that cases of fraud to the police were reported by only 49% of the victims. The typical victim of swindlers was usually an elderly man with a low educational level and income.

* Fraud – defined in criminal law – the crime of the acquisition of anothers property (or the acquisition of property rights) by means of deception or breach of trust.

Due to the development of ,scams have increasingly started to operate in virtual space. In 2001, the damage from the fraud committed via the Internet and email, for the first time exceeded the damage caused by “traditional” rogues who do not use computers to conduct fraud. According to the Center for Analysis of internet fraud (Internet Fraud Complaint Center), the average victim of Internet crime in 2002, lost 845 dollars as compared to the victim of “traditional fraud” – 840 dollars (data from the FBI).

Only 3 … 5% of the frauds committed by real business structures. Fraudsters, in most cases, use the principle of “chicken pecking at grain and cause its victims relatively little damage. In 32% of the rogues can steal from 100 to 499 dollars, 18% – from 1 st to 3 thousand dollars only in every tenth case, the victim’s financial losses exceed 3 thousand dollars probably is going to and from of the activity of law enforcement. Statistics also shows that the bigger the loss robbed so great diligence the police seeking to find the attacker. Most of the fraudsters have stolen more than the sum of 5 thousand dollars, have been arrested within three to four months. However, a few years in search are scammers who tricked received from 100 to 1.5 million dollars

Experts Legal Centre Society of U.S. consumers (National Consumer Law Center) believes that the actions of cheaters do not differ in diversity, and they use only a few well-known techniques. However, these methods work, not withstanding the fact that the dangers of such actions is well known. For example, a certain Mark Brown (Mark Browne) in 1998 committed at least six frauds using one and the same scheme. He opened a virtual store and ring up people with an offer to buy consumer electronics at ultra low prices. Gathering 10-20 thousand dollars, Brown then disappeared.

Statistics show that in the U.S., the most successfully triggered following methods are applied on victims: a message that offered the chance to buy a thing at such a cheap price – the promise of obtaining a monetary prize, the promise that health is much improved and the proposal of secret information that would allow the victim earn and use intricate rules that consumers are not able to comprehend. This article is brought to you on demand of

Communicating with potential victims, the fraudsters tend to stress that their activities are absolutely legal. They tend to use names of well-known and established firms (for example, that consumers make for their employees Ivanov & Co, used the name Evanov & Co). Almost half of the cases, the fraudsters were able to catch prey in their nets after a telephone conversation.

How to Steal a Million

According to the National Consumers League (National Consumers League) in the United States fraudsters most often used the following types of fraud or scams:

Stealing credit card information

Swindlers who obtain information about personal data the card holder can pay with it in the shops, take bank loans, rent housing, apply for benefits, etc.

Online stores and auctions

Scheme: the buyer pays money for the purchase of an online store, but either did not receive it, or receives the goods in smaller quantities or inferior quality. The most popular scams on the Internet. According to the Center for Analysis of Internet fraud, such crimes in 2002 amounted to 27% of the number of recorded crimes in the worldwide web.

Investments

The company proposes to buy its shares or to make private investments, promising a significant profit. Usually to attract victims, the fraudsters operate phony statistics and reporting false information about the history or the owners of the company.

Fundraising

Fundraising is widely distributed in the U.S.. 90% of Americans donate to larger or smaller amounts to various charities. These crooks use this method. They simply create a fake charity that specializes in some good work, and quite openly collect donations. The only difference from conventional charities is pocketing the money by these rascals.

Restore Credit History

Virtually every resident of the United States and each company have their own credit history – a chronicle of obtaining and repaying loans. In the U.S. there are a number of independent credit bureaus that track credit histories Americans, share information and operate completely independently from each other and from third-party companies and organizations. Influence on their actions is impossible. Many Americans are unable to carry the loan burden, and their credit history deteriorates, making it impossible to buy houses, cars, etc., since banks do not want to bind to an unreliable borrower. Crooks offer for a modest fee to “improve” credit history – of course, those promises are not fulfilled, because they can not be performed in principle.

Repayment of debts

In time of bad loans and unpaid bills are considered personal debt U.S. resident. Quite often a person is unable to pay all their bills. These crooks use: they offer the following scheme: their own company pays the bills in the U.S. and is seeking major discounts from lenders, but a victim of covering the costs of the company. In reality, rogues only get money from their victims.

Job offers

Crooks offer lucrative work at home. However, the victim has to pay extortionate prices provided the supplies to make a warranty or registration fee or part-time work as a free trial period.

Insurance

“Insurance” company is offering record low prices for their services. In fact, either this company exists only on paper, or she lays a contract with the client, such conditions that make it impossible to get insurance money.

Concessional loans

Individuals often offer preferential loans. However, to obtain such credit crooks do require a fee (eg, to obtain a loan of $ 100, the victim pays $ 150) or a pawn in a contract extortionate interest rates.

“Nigerian letter”

Recipient of the letter are invited to participate in the transfer from Nigeria (Ghana, Libya, Congolese, Mozambican, etc.) of the bank in the U.S. bank a few million dollars belonging to the heirs of the African presidents, ministers, dictators, kings, etc. For their assistance, the recipient must get a quarter or a third of the amount transferred. However, to demonstrate the purity of intentions, the victim is invited to translate a few thousand dollars at the expense of crooks. Back in 2001, “Nigerian letter” believe 15.5% of victims of online fraud , the number of victims has fallen sharply – to 1% due to awareness.

Financial “pyramid”

This scheme is widely known and was first used several hundred years ago. However, until now the financial “pyramid” attract victims. The last of the collapsed U.S. “pyramids” attracted funds 7 thousand people, each of which has lost about 3 thousand dollars

Taxes

Sometimes, U.S. residents do not have time time to file a tax return. Scammers offer to falsify data on the time of delivery declaration to the tax service and, thus, to avoid trouble.

Telephone communication

The victim is invited to call a phone number, where a minute call costs a fortune. Small telephone companies also resorted to fraud: they expose their clients accounts, which include services (eg voice mail) that the customer did not order.

Tourism

Rogues or unscrupulous businessmen sell their victims’ tours or tickets to hotels, real conditions in which considerably less advertising. For example, instead of five-star hotel is victim of thieves in a three-star.

Revolutionary method of getting rid of excess weight

Advertising promises to get rid of excess weight within days or weeks when using the new miracle drug or diet. In the best case, the victim becomes the owner of a useless product, and at worst – the health is under threat.

There are certain tips presented by the FBI to keep civilians safe from Such Scams and Frauds.


Shaheen Tabbasum is a freelance articles writter who can write articles on any topic on Demand for your website and blog promotion. if you want to contact her Contact thru the contact form of Shaheen’s personal website

Top 10 frauds with buying and selling through online classified sites

If you ask anyone how to sell or buy anything, then the answer you receive is through online classified sites. Yes it’s true, selling and buying is done successful through online and it’s the easiest way. That’s the great thing about dealing through online, you get to communicate directly with the person buying or selling.

There are many sites (Example: AdsGlobe.com) on the Internet which allows . It is as simple as going to a site and placing an ad for anything for free. This creates a very unsafe environment for the public; ads can be placed without any back round check or screening.But selling or buying stuff online always involves some level of risk. Today so many are affected with frauds.

Here are 10 common methods and warning signs of online fraud:

PayPal Fraud:

Most of the classified sites are doing transactions through PayPal. With the rapid growth in the number of PayPal users, frauds on PayPal accounts have become more frequent and severe.

To access a PayPal account you need to have the username and password of the account. The username of a PayPal account is the main email address (primary email address) used to register the account. The security system is quite secure as long as the username and password of the PayPal account are known only to the actual owner of the account. If these details are available to anyone else it would mean that the security of that PayPal account has been compromised.

Automotive Fraud:

A fraudster posts a vehicle for sale on an online classified site, generally for luxury or sports cars advertised for thousands less than market value. The details of the vehicle, including photos and description, are typically lifted from other sites and re-posted elsewhere. An interested buyer, hopeful for a bargain, emails the seller, who responds saying the car is still available but is located overseas. He then instructs the buyer to send a deposit amount to initiate the “shipping” process. The innocent buyer gives the funds, and does not discover until days or weeks later that they were scammed.

Travel Fraud:

Some Travel agencies tries to fraud by posting fake ad posting in the classified sites asking to buy cheap Travel packages and tries to impress on the offers they are providing.

Once the traveller has paid the processing fee, the travel agent will come up with additional charges or in extreme cases even disappear.

Dating Fraud:

The classified sites are providing a category for Dating. And some sites are providing only Dating ads. Online dating scams and fraud are almost as old as Internet dating itself. The person who frauds often tries to develop a relationship, and eventually convinces the victim to send money. The scammer often meets the victim in chat rooms or via online dating classified sites. Their object is not to get into their hearts, but to get into their wallets. They will try to earn someone’s affections and trust so that they can persuade him/her to send money. The requests for money can either be a one time event or repeated over an extended period of time. After spending time communicating and building a relationship with the victim, the scammer will ask for help in the form of money.

Rental Fraud:

Fraudsters operating are trying to confuse those who are seeking on rent. The scammers posts an ad in the classified site that property is for rent and pretends to be the owners of a property and when the customer responds to the ad, fraudsters ask to make a deposit and for some personal information to be sent via email. Keys to the home, they promise that they would be sent as soon as possible.

Car Dealer Fraud:

Most auto classifieds online give a price, which you can work with, but a regular trick, which is frustrating and time consuming for customers is this.

When the dealer wants to get rid of the old car quickly, the dealer will run a large advertising in classified sites, with the price ridiculously below cost. When the advertisement runs, the dealer waits for customers to flood through the doors. The customer will be buying that old car thinking to be new car and deposits the amount to the dealer assuming that he is buying a car at very low cost. He does not know about the fraud until he receives the car or he may not even receive the car.

Work-at-Home Scams:

Work at home job offers are more in classified sites. The job offer section is almost filled with work from home, online data entry, Earn Money Typing at Home, Real jobs with Real companies and so on.

Why are so many people interested in these types of jobs?

The answer is so many people are interested in work from home jobs so that they get to work from home, spend more time with their family, don’t have to worry about leaving house and getting stuck in that traffic.

So some companies are taking advantage of this fact and post ads in jobs category since the latest trend in searching job is through online classified sites. Companies say that they guarantee that you will get a job. The only you have to do is to have a one-time, lifetime enrollment fee and that enrollment fee is backed with a 90-day money back guarantee. All we ask is that you participate in the program for 60 days and once they receive payment they will not respond back.

Pet Classified Scams:

In recent years, online Pet Classifieds scams have increased and have affected many people.

Online classifieds scams pose threats to both sellers and buyers.

Posing As a Seller: A Person can post an ad for a puppy that only exists in the item description. Actually, seller doesn’t have the puppy that he/she is trying sell or give away. Seller will then ask for money and refer them to the shipping company who is supposed to send the puppy to the buyer. Buyer waits for few days and contacts the seller, but no answer. Tries again for couple of more days, no answer. Finally buyer decides to call the shipping company with the reference number for the puppy. Shipping company replies that they don’t have anything related to this reference number or it is not for your puppy. Buyer loses money.

Posing As a Buyer: A scammer can pose as a buyer of a puppy and contacts the seller. Buyer is desperate to buy and accepts your listed price and suggests that his/her agent will pick up the puppy with a check that is more than the asking price. In return, they ask buyer to deduct amount for the item, get remaining amount and give a fake cashier’s check. Seller will lose the puppy and the money.

Home Improvement and Home Repair Fraud:

Each homeowner wants their home to be as comfortable as possible. Home improvement or home repair can be a major expense and every homeowner looks out for the best deal that is available in the market. These large sums of money attract fraudsters to the home repair industry looking for ways to scam your money, while offering you fraudulently services.

Scammers post that they are offering to do expensive fixes for a fairly low price. This is just one technique dishonest home repair firms use to hook customers. Once you sign the contract and pay in advance, they don’t show up to complete the job and leave you with phony contact information.

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Fraud Prevention

Fraud is one of the worst crimes a person can commit without hurting anyone physically. Not only is fraud stealing from the government, but it can also be money stolen from an individual person. The average person does not have backup resources and will have to survive with the trauma caused until an investigation can be done and then the money returned, but in many cases the damage is already done. Losing all of ones savings can happen at the worst time, which can lead to a holiday being cancelled, a home being lost, a debt missing its payment and so on. Statistics show that fraud costs the UK 14 billion pounds per year and because of that there are many safeguards in place in order to stop fraud.

Fraud prevention is not only carried out by the government in order to protect its people but also the businesses: small and large. As such there are many laws that govern what is and what is not fraud and how it must be proved and disproved, as well as the appropriate punishment for such acts. The main set of legislation that the majority of fraud prevention work stems from is the Serious Crime Act 2007; using this act the CIFAS (Credit Industry Fraud Avoidance System) is able to share information on fraudulent activity, as well as guide businesses and people on the best ways to stop any kind of fraud happening directly to them.

However, fraud prevention is not just the concern of big corporations and the government; it is also an issue for the individual person. With fraud affecting tens of thousands of people a year, many safe guards have been put in both online and in the physical world in order to make it much more difficult to get around. For example, the basic magnetic strip swipe is nearly obsolete now, replaced by the chip and pin system. Most banks have taken to using a PINsentry (Natwest being one of the first) which must be used in conjunction with the owner’s card and pin number, in order to produce a unique number that must be entered in order to access their own account. However Barclays have also taken this PINsentry to a new level by not only using it as a way to access online banking, but also an instrument to use in the banks themselves in order to stop fraud.

However, each person is responsible for keeping themselves safe from fraud. One of the most common issues comes from the pin code itself, as many parents will send their children into town to buy something and in some cases the cards are then lost or stolen. A second common problem with keeping card details secret is the internet.

From emails telling you that you have won the lottery, to sites which steal your details when you buy from them, caution should always be noted and sites always double checked on Google to ensure that the site is legit and has no complaints. It is, however, wise to note that is one of the most well researched areas and with more and more being done to stop it; it will only be a matter of time until reaches perfection.

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