Someone that you care about has asked you to co-sign for him. He assures you that he has the ability to pay for that car, that home, or that lease. You know that he is currently working, and you trust him. Should you do it?That depends. Here are the things that you need to think about before you decide: If he stops making his payments for whatever reason (illness, job layoff, personal … [Read more...] about READ THIS- Before you Co-sign that Loan or Lease!
It is good Risk Management Strategy to make sure that your promises and representations to your customers/clients/patients are truthful, honest and free of unreasonable promises. Promising more than you can deliver is tempting. You may want to make that sale or cement that relationship. Don't do so at the risk of future litigation. Defending a lawsuit or administrative claim eats into your … [Read more...] about Avoid Lawsuits for your Company- Don’t Promise More Than You Can Give!
Scammers. They are out there... waiting.... waiting for your attention to be distracted... waiting for that moment when you let your guard down for just a minute! Scammers target the elderly. They also may attempt to extract information from children who answer the phone. They may attempt to get information by calling a business and pretending to be a client, supplier, organization or … [Read more...] about Great Tips for Avoiding SCAMS!
How can the Texas Department of Insurance help you? The Texas Department of Insurance ("TDI") can help you resolve insurance complaints such as property, title, health and workers' compensation insurance. The complaint may cover "claim and benefit disputes, false advertising, misrepresentation and suspected insurance fraud." If you have a complaint, check out the website (click here) and … [Read more...] about Texas Department of Insurance Can Help you With Your Insurance Complaint
It is normal to be concerned about appearing in court. Whether your case is family law, business, probate or other type case, the way you look and act while you are in court is important, even for just a short procedural hearing.R-E-S-P-E-C-T Signs of respect or disrespect for the court 1. A neat, clean physical appearance = GOOD (tuck your shirt in when possible, especially for guys) 2. … [Read more...] about Tips to Help you Make a Good Courtroom Appearance
Scammers and con artists are always updating their knowledge and refining their game. Senior citizens are especially vulnerable and some scammers "specialize" in targeting this particular group. Fraudulent letters, emails, and phone calls are getting more and more sophisticated. Recently, the Texas Office of Attorney General ("OAG") issued an alert aimed at helping prevent these tragedies. … [Read more...] about Help for Senior Citizens in Avoiding Scams
You can and should get a copy of your credit report free once every 12 months. There is a government website which gives you information on how to order, complete with links to forms, addresses, and contact phone numbers. The site also tells you why you should do it, how long it takes, and what to do if you discover inaccuracies. Here are some reasons WHY you should do this every 12 … [Read more...] about Governmental Help for Checking your Credit Score
Last time we covered fraud that is committed in an "impersonal" manner. Unfortunately, fraudulent activity is not confined to those situations. Here are a few other types of fraud that I hope you never encounter. Marital Fraud When one spouse defrauds another proving the fraudulent activity can be important to a the final division of property in a divorce case. Marital fraud can take various … [Read more...] about The Many Faces of Fraud.. Part II… The “Known” Perpetrator