The Difference Between In-Person and Telephone - Recording Laws

Some of the most interesting and useful surveillance items available are audio recorders. There are several different styles and sizes of recorders available including Stick Cameras, Pen Cameras and even Flood Lights that record Audio. You can buy a dedicated analog or cell phone recorder, or you can choose one of several models of digital audio recorders that fit nicely in your hand or pocket.Regardless of which type of audio recorder you decide on, you should be aware of the legalities that accompany such recording.



It is very important to make sure that any recording, either of a phone conversation or an in-person conversation, complies with federal and state laws. You certainly don't, Telephone Recorders Products, want to face criminal charges or civil law suits for any audio recording. Depending on the circumstances and your jurisdiction, there may be a difference under the law between in-person recordings and telephone recordings.The first consideration you will need to make is whether the conversation is considered private.



Almost all telephone conversations are presumed to be private conversations between the parties to the call. In-person conversations, however, are not necessarily private. In general, in-person communications which can be naturally overheard - that is, overheard without use of any special device - are not considered private conversations.For example, two people have a loud conversation in front of you at the grocery store have no expectation that their communications are private. If a conversation is not private, it can generally be recorded without legal repercussion.



If the conversation is considered private, such as a phone call or a quiet discussion between two people in an office or bedroom, then federal and/or state wiretapping or eavesdropping laws will apply.You will want to make sure that you comply with the federal wiretapping statute - also known as the Electronic Communications Privacy Act. Under federal law, a telephone, Telephone Recorders Products, conversation can be recorded with the consent of at least one party to the conversation. If you are one of the people taking part in the telephone conversation, your consent is all it takes to comply.



If you are not part of the conversation, be sure to get the consent of someone who is.In addition to federal laws, each U.S. state and territory has its own statutes regarding the recording of conversations - either on the telephone or in-person. Most state wiretapping and eavesdropping laws are based upon the federal law and allow recording with the consent of one party to the conversation.The District of Columbia follows federal law and allows people to record conversations with the consent of only one party.



Nevada has what appears to be a one party consent statute but state courts generally interpret it as an "all party consent" statute. In California and Connecticut, there are exceptions to the "all party consent" requirement. There, you can record a conversation with the consent of only one party if threats or certain criminal activity is involved.In addition to federal laws, each U.S. state and territory has its own statutes regarding the recording of conversations - either on the telephone or in-person.



Most state wiretapping and eavesdropping laws are based upon the federal law and allow recording with the consent of one party to the conversation.In most states, the laws handle the recording of an in-person conversation with a reasonable expectation of privacy the same as the recording of a telephone conversation. There are a few exceptions. In Connecticut, you'll need all parties to consent to the recording of a telephone conversation in order to avoid being sued for damages.There is no mention of the recording of in-person conversations in the statute which gives that right to sue.



There is, however, a Connecticut statute which makes the recording of a telephone conversation or an in-person conversation a felony unless you have the consent of at least one party to the conversation. So, one statute has civil implications, the other has criminal consequences.In Hawaii, two rather confusing statutes allow for one party consent to record telephone conversations or in-person conversations - unless you want to install a "bug" in a private place to record an in-person conversation, in which case, you'll need the consent of all parties to the conversation.



Indiana has no statute which mentions in-person conversations at all.So, when considering whether or not to record an in-person or telephone conversation, you should follow a two-step analysis. First, determine whether the conversation is considered private under the law - can you naturally overhear it or is it in a place in which there is a reasonable expectation of privacy? If not (or if it is a telephone conversation), then, the basic rule is that it is illegal to record unless you have consent of at least one, if not all, of the participants.

Sharon Macdonald is a high-tech security specialist. She is an expert in visual and audio surveillance systems and techniques. See what she recommends to protect your family in her blog

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How to Find Anyone Using Reverse Telephone Lookup

Reverse phone lookups, with their ability to tell you who owns a phone number, have existed since around the time of the first phone book directories. Called the "gray pages," they used to list phone numbers in sequential order to help people search a number. Today, you probably will not find any gray pages in your local phone book, but you will be able to find those numbers and many more online using reverse phone lookup websites. Click to Get Best Reverse Cell Phone Lookup Service When reverse telephone lookups were first used, directories only listed landline information, Telephone Recorders Products, .



Today, most people have a landline in addition to sometimes multiple cell phones, so reverse telephone lookups have had to become much more powerful. Modern reverse lookups have an advanced service that can tell you who owns a cell phone number. As cell phone directories are privately owned, reverse lookups are sometimes the only way to find out more information about a cell phone user. Online reverse lookups are also somewhat more accurate because online directories are updated more frequently than phone books are printed.



This is especially true of mobile telephone records. Usually, one of the first things people update when the move or change services is their billing address, and since the directories that reverse cell phone lookups search are owned and maintained by individual cell phone providers, reverse phone lookups reflect these changes almost immediately, Telephone Recorders Products, . It is also very easy to find out who owns a phone number using a reverse lookup. All you have to do is enter the ten-digit number in question into the search field and wait for the results, which usually do not take more than a few seconds to load, depending on the speed of your internet connection.

Best Search for Public Records Online Service

Public Records Pro - If you want to access public records, such as birth and death records, then you will definitely want to try Public Records Pro. This public records search engine is one of the most affordable options on the Internet at only $2.95 per month, and the database is also one of the most comprehensive that you will find. You will get unlimited access to the 400 million records in the database when you join, and if you aren't satisfied in any way, then you can take advantage of the service's money back guarantee.

Gov-Resources was one of the first websites to provide its members with access to public records. The number one use of this particular investigative website is to locate or identify a missing person or to discover more information about someone for personal or business purposes. Gov-Resources guarantees a quick and simple search, allowing you to find any public record you need in just one minute.

Government Registry is a website that specializes in finding public records for your personal use, with a database of millions of people. You can find information on births and deaths, criminal court cases, and even marriage status using this website. If you want to see the kind of information that you will receive, then you can also visit the website for a sample report.

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Top-Rated Trial Attorneys Reveal The Truth About Asset Protection

This article is not legal advice. The accuracy and applicability of the subject matter of this article changes on a daily basis. Laws are different in each state. By reading this article, you acknowledge and agree that you have read and understand all terms and conditions set forth in the disclaimer posted at our web site and incorporated herein. The disclaimer is set forth at http://www.jwcms.com/privacyIntroductionToday's social and economic environment is more litigious than ever before. Theories of liability are expanding and across the U.



S., jury awards are increasing. Not too long ago, million dollar verdicts were rare. Today, it's not uncommon to read about multi-million dollar verdicts (or more) on a weekly basis.That's why it is so important that when doing business in today's ever changing business world, you must make sure that smart and intelligent decisions are made RIGHT NOW allowing you to avoid unnecessary claims and lawsuits tomorrow.To take proper legal and ethical steps TODAY to protect your personal and business privacy and assets BEFORE a problem arises sometime in the future.



To setup a system that has YOUR BEST INTEREST IN MIND rather than the best interest of your insurance company or its defense attorneys.As indicated at our web site, 9 out of 10 lawsuits in the world are filed in the United States. Statistics show that a new lawsuit is filed almost every 30 seconds.Business owners and professionals have a 1 in 3 chance of being named as a defendant in a lawsuit over the next year. Individuals statistically will be sued 2 to 3 times over the course of their lifetime.



Other estimates show 50,000 new lawsuits are filed everyday with the costs of defense (regardless of merit) ranging from $5,000 for an individual involved in a small case to well in excess of $10,000,000 for larger companies named as defendants in product liability and national class action cases.Several examples of both legitimate and frivolously lawsuits (obviously each case is unique in and of itself) might include...Doctors- There are 13.9 malpractice claims for each 100 doctors. 4 out of 10 medical doctors have been sued.



The average Obstetrician in New York has been sued eight times. Nationwide, the average jury verdict in medical malpractice cases is $1,333,000 and in New York, it is three times larger than the national average.Accountants- Accounting firms now face over 3,000 suits each year seeking more than 13 billion in damages. Huge judgments are being obtained like the recent $338,000,000 judgment against Price Waterhouse. Several regional firms have gone bankrupt.Investors- Every businessman, developer, business owner and board member is exposed.



Liability is often based on emerging and unanticipated legal theories. For example, the partners in a major law firm were recently stunned when they were notified of their joint and several liability under CERCLA for the projected $72 million toxic clean-up cost on a parcel of raw land they bought in the early 1970's.Now add the dollar amount of the verdicts...Keep in mind that the above figures do not take into consideration the billions of dollars in settlements and verdicts that are paid out each year by businesses in the U.



S. The U.S. Chamber of Commerce estimates that last year, more than $152 billion was paid to settle frivolous lawsuits. While we believe this figure is grossly overstated, and includes settlements of cases with merit, the point is that there really is no greater financial exposure which will result in permanent detrimental results than of being sued.So, the real question is, "What type of events can lead to personal or business litigation?"Events that could trigger liability exposure include..



.Intentional acts which are not covered by liability insurance
Negligent acts (automobile accidents, premises liability...)
Dog Bites (strict liability in many states)
Breach of contract
Employment related disputes
Discrimination related claims
Professional malpractice
Business partner claims and lawsuits
Alter ego and piercing the corporation
Officer and Director liability
Promissory notes and personal guarantees
Personal and business creditors
State and Federal tax liability
Environmental law liability
Joint liability like owning a home in joint tenancy
Divorce
Unfortunately, we want our clients to understand that it's not a matter of if you get sued, it's WHEN.



The question is, "what are YOU going to do about it?"Now here's some information that you probably didn't know. Even if you do everything right but are at the receiving end of a large damages lawsuit, there are inherent conflicts in our insurance liability and defense system that place your best interest no higher than third on the priority list.At the top is your insurance company. Next on the priority list are the insurance defense attorneys hired by your insurance company to protect your interest.



And last on the list is you. Your "best interest" is superseded by your insurance company and defense attorney. Here's why.Conflicts Exist In Our Current SystemWhether you know it or not, most insurance companies and defense law firms have huge conflicts of interest concerning issues involving protecting your interest from claims and lawsuits while at the same time, maximizing their bottom line profits.Insurance companies are in the business to make a profit. The less money they pay out in claims each year, the greater their annual profits.



Defense attorneys hired by insurance companies to defend you or your company generally bill by the hour. The longer they "work" your file, the more money their law firm gets paid. There is absolutely no incentive by either the insurance company or defense attorney to place your interest before their own. In most states today, there are little, if any, "checks and balances" in place to protect your interest.Problems We've Personally Seen With Insurance Companies...Failing to properly and timely open your file and investigate the claim.



Failing to properly investigate the facts and analyze liability and damages issues.
Improperly interpreting policy coverage, amounts and exclusions.
Failing to simply and timely pay a claim.
Forcing you to try and first get the other person's insurance company to cover the claim rather than allowing you to deal with your own insurance in company as you're entitled to do.
Improperly raising your insurance premiums simply because you presented a claim under the terms of a policy that you have been paying premiums on for years "just in case" something like this ever happened to you.



.. and the incident wasn't your fault.
Fraud and deception.
Failing to provide you with all the facts, options and proper counsel.
Requiring you to "jump through hoops" or provide documentation not required under the terms of your policy.
Denying your claim and arguing that it never received a premium payment from you after your submit a claim.
Implementing improper or unlawful schemes to decrease or eliminate your rights to pursue a claim.
Failing to keep you up-to-date on all important issues including settlement discussions
Failing to settle a case within your policy limits thereby unnecessarily exposing your personal and business assets to an excess policy coverage verdict.



Failing to resolve conflicts of interest- for example, the same claims person handling conflicting claims.
Improperly demanding reimbursement from you for money they paid out on your claim.
Problems We've Personally Seen With Defense AttorneysInsurance companies may hire inexperienced or inadequate attorneys to try and protect your interest.
Giving you the impression that experienced partners are handling your defense when in fact, inexperienced associates are doing much, if not all, of the work.



Rather than quickly and timely resolving your case, the claim is dragged out over an extended period of time allowing the defense firm to heavily bill the file.
"Rolling the dice" at your expense- settlement offers are not communicated to you or, unrealistic promises of getting you a complete defense verdict are made. When the verdict comes back from the jury for an amount in excess of your policy, you are the one writing a check for the difference.
Overworked, understaffed and underpaid. Many associates are given caseloads which are simply too large to effectively handle.



We constantly run into defense attorneys who are answering "ready" for trial on a Monday morning on three different cases in three different courtrooms.
In all of these instances, you should ask yourself, "who's best interest is being served?"Real Case Examples- Still skeptical. Read several "real case" examples from our personal files...Insurance company intentionally misrepresented and interpreted important facts against its own insuredOur client was hit head on by a drunk driver who was drag racing another vehicle.



The drunk driver was uninsured.Our client sustained serious injuries including broken bones and serious head trauma. His medical bills were about $100,000.00.After we were retained, our client's own insurance company told us that he only had $30,000.00 in insurance coverage. Furthermore, based upon their review of the file, that was more than enough to cover the value of the case.Our independent review of our client's written insurance policy indicated to us that there was actually $1,000,000.



00 of available insurance. Furthermore, our client and his family had been paying large insurance premiums to this insurance company for more than a decade with the impression that they had the $1,000,000.00 in coverage.Our instincts told us that something was wrong with how this claim was being handled and we filed a first party bad faith lawsuit against the insurance company to protect our client's legal rights. We asked for copies of our client's insurance claims file and the insurance company refused.



Only after threatening to bring a motion to have a Superior Court Judge order the files be produced and for an award of monetary sanctions were the files finally disclosed.What we learned blew us away.In the files were letters and memorandums indicating that the insurance company's own lawyers valued this case at a figure substantially higher than the insurance companies earlier $30,000.00 offer. The file also contained written documentation that the insurance company had earlier consulted with an accident reconstruction expert who confirmed that the cause of this accident was the negligent operation of an automobile by the other driver.



To our surprise, a follow-up reference was found in the file stating that if the insurance company discounted their own expert's earlier opinion and instead retained a new expert who (for a price) would point the finger at their own insured (our client) for causing this accident, it could save the insurance company a ton of money.We put our team to work and eventually obtain a binding uninsured motorist arbitration award for our client in the amount of $865,000.00 and a subsequent insurance bad faith settlement for another $2,500,000.



00. The total claim was resolved for $3,365,000.00. Remember, this is after our client was originally offered only $30,000.00 by his own insurance company.And here are two more real cases.Policy Limits Misrepresented by $1,800,000.00!In two separate cases involving tragic wrongful death traffic accident claims, we were told by the insurance claims adjuster over the telephone that the only insurance coverage available for our clients' families was $100,000.00 for each accident.After litigating each case and conducting discovery (forcing the insurance companies to turn over all documents and their insured to answer questions under oath), we discovered that in fact, there was $1,000,000.



00 in liability coverage resulting in an additional $900,000.00 of coverage per claim. Both of these claims were then subsequently resolved for the full policies.New Privacy Concerns...The USA Patriot Act was signed into law on October 26, 2001. As a result, new agreements, laws and treaties with foreign governments have opened up the doors to the free exchange of information that was once difficult to obtain and extremely confidential in nature. Without discussing personal views on whether or not this Act was the right thing to do, as we understand the Act, several important facts are as follows:It grants the FBI broad access to individual and business records without evidence of a crime.



Surveillance laws have been broadly expanded (wiretaps, search warrants, pen/trap orders and subpoenas).
"Secret searches" are authorized.
"Roving" wiretaps are authorized.
Telephone and internet communication surveillance rights of police departments are broadened.
Right now, attorneys and investigators can access databases giving them information about your:Voter registration records
Medical records
Telephone records
Business and personal checking account information
Property tax records
Driving records
Social Security number
Workers' compensation information
Police records
Court records
Real estate records
Fictitious business name and licensing records
Corporate records
Marriage records
Utility records
Credit card records
Family history records
Probate records
The average consumer is simply not aware of the financial exposure lawsuits can bring and, the lack of privacy that exists in this country today.



People's best interest are placed after the defense attorneys and insurance companies and personal and business assets are unnecessarily exposed.And that's where we come in.Jackson & Wilson Consulting and Manages Services, LLC was founded to help individuals, entrepreneurs, small business owners, large companies (including officers and directors), services organizations and professionals (doctors, lawyers, accountants...) minimize exposure to lawsuits and maximize privacy and asset protection.



To offer products and services designed to protect you and your business with a strong emphasis on specific, constructive and objective solutions, by seasoned and experienced trial attorneys, showing you how to MINIMIZE your liability exposure and MAXIMIZE your personal and professional privacy and, the protection of your personal and business assets.So, what can you do next to protect your family and business?Proper Steps Taken Today Can Maximize The Protection Available To You, Your Family and Business From Future Claims and LitigationDeveloping new business revenues, prospects and clients should be at the top of every businesspersons, Telephone Recorders Products, list.



At the same time, legitimately protecting your privacy, personal and professional assets must also be a main priority.How do you go about this?First, you need to know that most of what you know or have been told about "asset protection" is probably wrong. Although we hate to be the bearer of bad news, the reality of the situation is that now is the time to find this out, not later after you or your business is being sued by a talented trial attorney who you watch walk through your layers of asset protection as easily as one would peel back the layers of an onion.



An experience that is not necessarily limited to bringing tears to your eyes.Fact No. One: There are no "asset protection" specific laws or statutes under State or Federal law. For example, in California, we have a Vehicle Code which controls the operation of vehicles. We have a Business and Professions Code which controls how you do business. There are no "Asset Protection" Codes or Statutes which describe or control how you can avoid having your assets taken by a creditor.Fact No. Two: Most of the tools and concepts offered in the "Asset Protection" seminars you read about in various advertisements found in the Sports or Business sections of your local newspaper are worth no more than the piece of paper the ad was printed on.



Most of these seminars are given by people with little, if any, legal background. The alleged benefits and protection which are inaccurately, but effectively hyped with all the bells and whistles, are for the most part, completely ineffective for purposes of asset and privacy protection.State and Federal Judges will normally use concepts or equity and fairness when determining whether or not a good faith creditor should be paid for provided products or services and will not simply disregard money you have stashed in a Family Limited Partnership, Nevada Corporation, or Off-Shore Trust to, Telephone Recorders Products, avoid creditors.



And while you may argue to a Federal Judge that all of your assets are in an Off-Shore Trust beyond her control, he will remind you while you are standing in front of her that your failure to turn over your assets would result in you being in-contempt of court and that you can continue to assert your argument from inside a federal jail cell.Furthermore, remember the USA Patriot Act which expanded the amount of information now available to the government.What You Can Do...To effectively, legally and ethically survive in today's litigious environment, you must be smart about1.



How you make decisions;2. How you setup and manage your personal and professional life;3. How you hold and manage your personal and business assets.An overall plan must be designed and put into place which incorporates a combination of proper estate and succession, financial, business, risk management, liability insurance, asset preservation/ protection and tax planning. By necessity, it must involve a comprehensive approach to establish and then manage your personal and professional life in such a way as to maximize the ultimate transfer of your estate to your heirs while at the same time, minimizing liability risk thereby preserving and protecting your assets.



Here's One Proven Approach You May Want To Take A Close Look At...Step No. One- Use a "Private Consulting Attorney."Set up a system to allow you to make smart and informed decisions. You establish a win-win professional relationship with a "private consulting attorney" who has no financial connection to your partners, board of directors, liability insurance company, any of the defense law firms "on retainer" with the insurance company.All important business decisions, documents and contracts are reviewed with your "private consulting attorney" before decisions are made and documents signed.



We can't begin to tell you how many major lawsuits could have easily been avoided had this initial step been routinely followed.An additional benefit of private counsel is that decisions are made in your best interest as opposed to the best interest of insurance companies and defense firms.Important Attorney/Client Privilege- Another important reason to use a "private consulting attorney" is the strict confidential privilege with any communications between you and your attorney. This relationship is a "must have" in order to maximize all legal and ethical confidential attorney-client communications.



The only way to invoke the well established attorney-client privilege is to properly retain an experienced and qualified attorney to assist you with the concepts discussed herein. Your professional relationship with an accountant or any other non-lawyer, although critically valuable and important, WILL NOT invoke the important "attorney-client" privilege.Why is this important? Because absent the "attorney-client" privilege, a court or creditor can force your non-legal adviser to disclose all information, notes and documents associated with the establishment and existence of your plan.



Your discussions, ideas and concerns all become a matter of public record. Not a good idea.Subject to all "attorney-client" privileges, your private attorney will review your personal and business situation and determine your unique potential creditor exposure. Past, present and future challenges and issues are review and analyzed. Special forms can be used to streamline this initial process.If you find yourself in the middle of unavoidable litigation, your "private consulting attorney" can be the educated professional holding your hand and looking over everyone's shoulders to make sure ALL insurance decisions are made with your best interest in mind.



He or she will also be able to "review" the efforts of defense counsel resulting in you getting top-notch legal representation as opposed to the services of a first year inexperienced defense attorney.Believe it or not, other steps can be taken by private counsel to maximize the chances of any excess verdict (a trial verdict for more than your policy limits) actually being paid by your insurance company. About 12 years ago, we had such a case resulting in an insurance company being obligated to pay more than $950,000.



00 more than the written policy limits. In another case, more than $200,000.00 was paid out above the policy limits.Step No. Two- Set and manage your business using the correct business entity.Before taking personal or business actions, make sure you are doing so under the protection of the correct business entity. For example, when setup and used correctly, Corporations and LLC's can offer you certain tax and liability advantages that simply are not available when acting in your individual capacity.



Your best choice for the specific type of entity may directly depend on the type of activity or business you are planning to conduct. Also related to choice may be short and long-term tax, retirement and estate planning considerations. It may be best to use a combination of different entities for different assets and projects, depending on your unique circumstances.Depending on your individual needs, various tools and approaches can be put into action to maximize such a plan. These include but are not limited to Insurance (liability, disability, life, D&O, business loss), Corporations (Nevada, Delaware, domestic and foreign), International Business Companies or Corporations (IBC), Collateralization, Trusts (revocable, irrevocable, domestic, international, spendthrift, domestic asset protection trust, foreign asset protection trust), LLC (charging order protection LLC, Delaware Series LLC, Offshore LLC's), ERISA Plans (anti-alienation provisions), Employee Stock Ownership Plan (ESOP), IRAs SEP IRAs, Keogh's, Private and Public Pension Plans, Annuities, Extreme LLC, Xesop (complex arrangement for holding an operating business which combines an ESOP with an Xtreme LLC), Homestead and Creditor Exemptions, Family Limited Partnerships (charging order protection) and Management/ Leasing Companies.



Different entities may be used to segregate different assets. And when it comes to allocating liability risk, different business entities can be used to separate companies and liability arguments.Step No. Three- Setup and manage an estate plan.Now that you have a good start on the proper way to run your business, generate wealth and legitimately minimize tax liability, you need to make sure that you have an effective plan to pass on your estate to your heirs. Not only will proper estate planning guarantee that your heirs, and not the state or federal government will receive the bulk of your estate, but in many cases, you can avoid probate and minimize taxes.



Concepts and options to review would include one or more of the different entities described in step two above.An indirect result of proper estate planning techniques is that in your planning, you may also create certain privacy and asset protection devices. Benefits which on their own, might be subject to being tossed aside by a Federal Judge. But if part of a legitimate estate plan, these same benefits may very well be preserved and interpreted as simply a secondary benefit to a valid primary estate plan.



Step No. Four- Obtain proper insurance.The basic, but important issue as to whether or not you have proper and adequate insurance coverage is reviewed. Remember, when used with the additional services of your "private counsel," liability insurance benefits can be maximized.Depending on your personal and professional needs, entities and estate plan, insurance coverage to review might include homeowners, auto, umbrella, commercial, directors and officers, disability and life. Each entity may require different insurance choices and amounts.



Step No. Five- Maximize creditor exemptions.Creditor exemptions should be maximized. What we mean by this is that certain state and federal statutes actually provide an almost "bulletproof" shield allowing you to protect various significant assets.For example, in different states, certain retirement plans (for example, ERISA anti-alienation provisions) and accounts (IRA, Keoghs, public pension plans, county employee pension plans...) may be protected from creditors. Life insurance and annuities (for example, may require a clause which prohibits proceeds from being used to pay the beneficiary's creditors) may also afford a level of protection.



Homestead exemptions also may provide exemptions depending on your state and circumstances. In California and as of 2004, several homestead exemptions are $50,000 for a single person, $75,000 for a couple and $125,000 if 65 or older.Depending on your particular situation, the type of entity you are doing business under may provide you with the ability to annually contribute to an exempted retirement account certain funds that a creditor may not be able to touch in the future. Combining this protection with legitimate estate planning tools and these funds may be able to pass to your heirs free and clear from attachment by creditors.



Furthermore, certain exemptions built into estate planning tools (like a QTIP trust) also play a factor in passing wealth along to your heirs without creditor intervention.Step No. Six- Utilize advanced products and services.If necessary and appropriate, use more sophisticated privacy and asset protection products and services. Other alternatives to further legitimate business and estate planning goals, while as a bi-product, providing privacy and asset protection, may include the use of various out-of-state corporations, off-shore business corporations and off-shore trust.



At this level, a combination of one or more of the above tools are normally utilized to best serve the client's interest.Under the right circumstances, many of these entities can offer excellent benefits associated with legitimate business and estate planning needs. Additionally, they may offer outstanding privacy and asset protection levels offering various forms of legal and geographical privacy barriers.SummaryIn summary, and looking at the above six steps from a slightly different perspective, a properly established plan is a combination of proper estate and succession, financial, business, risk management, liability insurance, asset preservation/protection and tax planning.



It is a comprehensive approach to establish and then manage your personal and professional life in such a way as to maximize the ultimate transfer of your estate to your heirs while at the same time, minimizing liability risk, thereby preserving and protecting your assets.A properly established and managed plan requires constant review and modification depending upon your personal and professional needs and, changing state, federal and international laws.A properly established and managed plan is designed using established laws, to make it extremely difficult, inconvenient and in some instances, impossible, for someone to know what business and assets you have… or don't have.



A properly established and managed plan must not be established to hide income or avoid paying legitimate income taxes. However, it may be created and implemented to take advantage of legitimate and established tax laws to minimize or eliminate certain tax consequences.A properly established and managed plan helps you avoid personal and professional litigation or if the initiation of litigation is beyond your control, promotes an early amicable and fair settlement within your insurance liability policy limits.



A properly established and managed plan will, from the very beginning, have a proper, legitimate, legal, ethical and moral purpose. Otherwise, most judges will allow a creditor access to your assets.Despite what slick, uninformed non-lawyer seminar presenters are advertising and promoting across the country, judges will not normally tolerate an "asset protection plan" that doesn't look, taste or smell right. A plan that is setup for all the wrong reasons like tax evasion and fraudulent asset conveyance.



"Real world" judges will rarely issue a ruling or order resulting in a debtor being allowed to defraud creditors.A properly established and managed plan absolutely requires an attorney-client relationship in order to invoke the confidential "attorney-client" privilege. Only after the important attorney-client relationship is established will other experts and consultants such as other attorneys, accountants, retirement plan experts and tax specialist be utilized, in proper format, to plan, establish and manage your plan.



The most important aspect of a correctly implemented plan is to make smart and informed personal and professional decisions which will help minimize or completely avoid legal and ethical mistakes and litigation in the first place. The best plan possible is one that is never put into use because the need never arises.With the above in mind, smart people will take action right now to begin an overall analysis of their personal and professional "situation" in order to determine what steps they need to take to minimize their exposure to lawsuits and to maximize their estate planning, privacy and asset protection.



We've provided you with a great deal of information and want you to know that we are available to answer any questions you may have with respect to the information in this article.P.S.- Important Tip: If a claim or lawsuit is filed before you have taken steps to properly setup and manage your plan, your options, if any, will be extremely limited because of a set of laws commonly referred to as the Uniform Fraudulent Transfers Act (UFTA). This act allows a creditor to challenge a transfer of assets to pay an obligation owed to the creditor.



To be protected, you must properly setup and manage your plan well before any "hint" of a problem. Give us a call if you would like more information or to get started today!Jackson & Wilson Consulting and Manages Services, LLC was founded to help individuals, entrepreneurs, small business owners, large companies (including officers and directors), services organizations and professionals (doctors, lawyers, accountants...) minimize exposure to lawsuits and maximize privacy and asset protection.Southern California Office (Main Office)
23161 Mill Creek Drive, Suite 150
Laguna Hills, California 92653
Tel No.






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Use Caution When Buying Cell Phone Text History Records

Modern technology has caused many problems. Certainly for all of the advancements made there can be both good and bad used out of them. An example of this is when you buy cell phone text history records.There are positive ways that these records can be used but it also not legal to buy cell phone text history records if you don't own the phone.Cell phone records are used a lot of times to find out if a spouse is cheating. On finding out if a spouse is cheating there are a couple things you can do.



You can do this yourself, which could take a lot of time, or you can hire a private investigator.With the internet it became very possible to track your spouse and find out what they are doing online. The more that people used their cell phones on a regular basis the easier it was to try and track their recent calls.There have been reports of people who buy cell phone text history records but as stated earlier it is not legal to do this unless you take the time to do it according to the laws that have been passed.



In 2006 the Consumer Telephone Records Protection Act of 2006 law was passed.The only time that it is legal to obtain cell phone records is if you are the actual owner of the cell phone. You can then legally purchase the phone records you want.The reason that this law was passed is to protect the citizens of the United States. You can easily see how having access to your phone records could be used for a disadvantage by terrorists and others. So if you want to use cell phone records to catch a cheating spouse or for another personal reason, what can you do since this law has been passed?



You cannot do much of anything, Telephone Recorders Products, unless you are the legal owner of the cell phone. If you own the phone then you can hire a private investigator and have them forensically examine the phone. This is known as digital forensics.There is a way for investigators to access deleted text messages, deleted, Telephone Recorders Products, caller ID records, deleted address book entries and other things. They can do digital forensics on a handheld electronic device, a cell phone, or a Blackberry.






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Successful Telephone Selling Techniques

The cost of selling is escalating and time is ever in short supply to make face-to-face sales calls. But stiff competition requires that sales professionals keep notching up their sales goals every quarter and every year. The secret is not something very unfathomable. It lies with the proper use of successful telephone sales techniques. Winning sales professionals use the telephone as a successful tool to achieve their sales goals. Selling on the telephone is a very crucial sales method that no organization or individual can afford to ignore.



 That’s why we have a sudden increase and expansion of telephone call centers around the world. There are certain techniques that successful sales people resort to when they use the telephone for making sales calls and closing sales. We will study the simple techniques here. Same Principles Selling over the telephone may lead to the closing of a sale or leading to an opening for a presentation and possible deal. The same principles that apply for face-to-face selling, is applicable for telephone selling.



 This means that you will follow the same rules like providing product information, handling objections and closing. You will have to be cordial to the prospect, not interrupt them, and give priority to their needs. In other words your mindset should be on adding value and trying to solve the client’s problem with a cost-effective solution. You may not close the sales over the phone, but you can probe the prospect with open-ended questions like: who, what, when, where and why. You may have to first make many calls to get to the decision-maker.



 The decision-maker must have four unique and present factors: need, desire, financial capacity and authority. Then you will have to: present the product, anticipate and handle objections, and close the sale over the telephone to that person. This can be quite difficult, but just like a face-to-face sale and if you do it right you can close a sale or at least get a solid opening for an appointment and presentation. Use the Advantages The advantage of selling over the telephone is that neither the customer nor the buyer has the possibility of getting distracted by discouraging body language.



 The buyer also cannot judge the sales person by way of his/her personal appearance affecting the decision. Also sales over the telephone save a lot of time and energy by way of decreasing travel time and expenses. These advantages should be utilized to make each telephone sales call an opportunity to find out more about the client’s situation and lead to a potential sale. The First Impressions First impressions are always important. When making a cold call, responding to a lead, or following up on a business reply card you have to impress the prospect within the first one-two minutes.



 It is really important given the fact that people are bombarded with email, phone calls and sales solicitations daily and they love to avoid such calls. Actually reaching a prospect on the telephone is not as easy as it used to be. If you manage to get the prospects on line you should hold their attention and help them to or service quickly by listening, Telephone Recorders Products, and mentioning the benefits to help make the clients life easier. That’s possible when you speak in an unhurried voice, don’t sound like just another sales rep that is looking for a quick sale, sound as if you are truly interested in the need of the prospect.



When people find someone is talking about a solution to their needs they get interested. Speak in an unhurried voice. A hurried voice will put off the prospects instantly as they wouldn’t understand what you are saying and if they do, they will fathom that you are a desperate sales person. Speak in a cool, calm, and assured voice. Talk about the needs of the prospect. That is more likely to grab their attention. Do Your Homework You have to know as much as possible about the prospect.



 Try to gather relevant information about the prospects company. Go to their web site; check out their financials and the press room for relevant and timely information that will help you to gain credibility in their eyes. Learn thoroughly about their businesses, lifestyles, tastes, and preferences. Prospects will not have the time to educate you on the phone about those things and will be impressed that you have done your homework. Watch for Your Language and Body Language You have to be courteous, respectful, and thankful.



 Even if the prospect is not able to see you, your voice can clearly reflect your personality. So take care of that. Speak in a pleasant and friendly tone. Make certain that your voice sounds good on the telephone. Record your voice and see how your voice sounds. Stand up and speak while making sales calls. If you are sitting while making calls, sit in an erect position so that your voice is coming out properly giving it the required throw. If you slouch and make a sales call on the phone your tone will reflect carelessness.



 The tone shouldn’t be too soft or too loud. Use, Telephone Recorders Products, a telephone headset that allows for free movement to express yourself with suitable accompanying body language Don’t make calls to just add numbers to your sales report. Treat each prospect with due importance and call them with sufficient professionalism. Do adequate research on them before making calls. The total number of calls you make is less important than the quality of the calls you make.

The Sales Coaching Institute offers customized sales and marketing training programs which is designed to create permanent, lasting performance results. Contact us on 847-359-6969.

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MOTHER JAILED FOR PROTECTING HER CHILD FROM ABUSIVE FATHER GETS A NEW LAWYER AND MORE FIGHTING POWER TO PROTECT HER CHILD

Little Rock, Arkansas attorney, Alvin Clay of Clay Law Firm has graciously undertaken the representation of a El Dorado (Union County), Arkansas woman who has been jailed for almost 100 days for civil contempt because she refused to provide the whereabouts of her child to Union County Circuit Judge Carol Anthony who apparently intended to hand the child over to an abusive father in Tennessee.Committed to helping this little girl and her family, Clay has voluntarily taken on this challenge pro bono, assisted by Mary Edelmann, of Litigation Partners of America who has also undertaken this case pro bono.



Both Clay and Edelmann state that the human interest and need factors in this case greatly outweigh any need that either might have for compensation for their services. Both are very committed to eventually restoring some stability in the life of this child in order for her grow up in a nurturing, happy and healthy environment without the threat of being taken away from her home and family members in Union County, Arkansas ever again.Christina (Tina) and James Mitchell have been fighting the judicial system and the biological father for years in an effort to keep their little girl safe.



Jim and Tina were married in 1981 and later separated in 1991. The couple has 3 adult daughters born to them in the 1980's. After the couple separated in 1991, Tina ran into problems when she fell for a fast talking con man (Paul Kelley) that began to physically abuse her shortly after the relationship began. Having grown up in an abusive situation, Tina found it easy to adjust to the abusive relationship with Kelley and each time he beat her up, he apologized profusely promising that it would never happen again.



But, it always did.Just as Tina had become strong enough emotionally to make a break from Kelley in 1993, she discovered that she was pregnant, and once again Tina's good intentions and plans to break free from Kelley were postponed for a while longer. But, not before he began to sexually abuse the precious little child whom Tina had given birth to in Oklahoma City, Oklahoma on independence day in 1994. In 1997 when the little girl was 3 years old Tina made a devastating discovery that would haunt and torment her for years to come, Telephone Recorders Products, .



While Tina was constantly trying to keep her child quiet so as not to disturb Kelley, because with his volatile personality, it was difficult to determine just when he would go off the deep end and another beating would ensue. Tina always feared that Kelley would do something to hurt or possibly kill her baby or herself during one of his rages. It never occurred to Tina that Kelley was also a pedophile and her child would become one of his victims.After relocating to Alabama when the child was approaching her third birthday, she began displaying significant signs of a child who had been sexually abused.



It is now believed that the abuse began during the pre-verbal stages of life, and was simply unable to communicate what was happening to her mother.After a brief confrontation with Kelley, Tina packed her bags and her baby and left there home, but was unable to go far due the lack of funds to relocate. She and her child lived in Athens, Alabama. Hoping that she had heard the last of Kelley, she began to feel safe and secure; her emotional and physical injuries from the years of abuse had just begun to heal when she was served with a Petition for Determination of Paternity and a Petition for Emergency Temporary Custody of the couple's child, filed by Kelley.



Tina had reported the sexual abuse of her child by Kelley to the Alabama Department of Human Services, Child Protection Services immediately after she had discovered it, and shortly thereafter a caseworker had contacted Kelley to discuss the allegations against him. Kelley was now attempting to turn the table on Tina as he alleged in his Petition that it was in the best interest of the child to award custody to him. Despite a lengthy court battle, Kelley was awarded custody of the child. Tina appealed to the Supreme Court of Alabama, but Kelley was taking advantage of the situation, as he knew that the Alabama authorities were vigorously pursuing the investigation of the sexual abuse allegations against him, he also knew that he suffered from an illness and would never stop abusing this child, so he fled the state of Alabama headed for Tennessee with the child in tow.



Kelley also knew that if he were arrested on the molestation charges in Alabama that other similar charges could surface in different areas of the country. He really didn't have an interest in parenting the little girl, but he believed that having control of her would prevent her from talking about his illicit sexual conduct with her. Beat up physically and emotionally, Tina returned home to Union County with James and her three older daughters. Kelley moved to Iron City, Tennessee near Waynesboro in Wayne County, Tennessee where he grew up, had family and friends who were in law enforcement and judicial officers and where he found shelter from the impending molestation charges in Alabama.



Within days after his arrival in Tennessee with the child, the Alabama Supreme Court reversed the lower Court's judgment whereby it determined that Kelley had no standing to have a determination of paternity with regards to this little girl as Tina was still married to James Mitchell who still resided in Union County and because James' name appeared on the child's birth certificate that under Alabama law, Mitchell was the child's father and according to Alabama law no one had a standing to challenge his paternity, as James had never challenged it and had always contended that the little girl was his daughter and he loved her and cared for her as his own daughter just as he did his and Tina's three daughters that they had together.



The Alabama Supreme Court directed the lower Court to dismiss Kelley's petition and to direct Kelley to return the child to her mother. As soon as Kelley received new of the Supreme Court's decision, he immediately filed a Petition to have the Wayne County, Tennessee Court determine custody and to award him immediate temporary custody of the child to him, alleging that it was in the best interest of the child. This claim was bolstered by the fact that the child was already living with him, although he failed to advise the Lawrence County Court of the Alabama Supreme Court's decision, the sexual abuse investigation against him in Alabama or that Tina was the lawful custodial parent of this child in accordance with the Alabama Supreme Court's ruling, and that the Court in Alabama had original jurisdiction over the little girl.



Upon review of the case, the Lawrence County, Tennessee Court dismissed Kelley's Petition for Custody of the child.Despite of the Alabama Courts' decision and its original and continuing jurisdiction over the child and the subject matter and the decision of Lawrence County Court, Kelley filed yet another Petition for Custody, in Wayne County Juvenile Court falsely alleging that he resided in Wayne County, Tennessee. Like the Court in Lawrence County the Juvenile Court in Wayne County also dismissed Kelley's Petition.



Only days later, Kelley filed his third Petition for Custody of the little girl in Wayne County Circuit Court where one of his childhood friends is Circuit Judge. As luck would have it, Kelley's old friend was assigned to the case and presided over it. Kelley filed a Petition for Temporary Custody of the child which was granted and Tina was give visitation with her child whom Kelley had now refused to return to her for almost a year. In order to be near her child and as an attempt to protect her little girl as best that she could with Kelley having custody of her, Tina temporarily moved to Tennessee.



On her very first weekend visit with her child, Tina discovered that Kelley had continued to sexually and physically abuse after he fled to Tennessee from Alabama. Tina could not bear the burden of not taking action to protect her baby, and that summer when Tina was supposed to have her child for a two week vacation with her in California, she decided that would be the time that she would free her little girl from Kelley's abuse.Tina picked up her daughter as scheduled and left Kelley's residence.



Tina did not return her daughter after the two week visitation term had ended. Instead she notified Kelley that the little girl was safe and that she not be returning her to him. During the two weeks, Tina learned of yet additional sexual abuse that Kelley had inflicted upon the child while in Tennessee.Hoping to gain permanent custody of her child, Tina filed a Petition for emergency custody in Union County. The Petition was granted. However, before a hearing could be held and a permanent order issued in Union County, the Wayne County, Tennessee Court entered an order determining that Kelley was the biological father of the child and awarding him permanent custody of his victim.



Tina filed an appeal and the portion of the Tennessee Court's Order relating to determination of paternity was affirmed, however the custody issues were reversed as the Tennessee Court of Appeals held that the Wayne County Court was without subject matter jurisdiction to entertain the custody matter.When the case was returned to the lower court, it failed to comply with the Court's of Appeal order and ordered Tina (in Union County, Arkansas) to return her child to Kelley. The order was registered in Union County Court records and a foreign judgment which under Arkansas law is enforceable in Arkansas.



A hearing was set in Circuit Judge Carol Anthony's Court for the purpose of determining whether Tina must return her child to Tennessee to be handed over to the man who had abused the little girl for years. Judge Anthony determined that the Union County Court was without jurisdiction to entertain any further matters in the Union County case, however on this same date, Tina was ordered to surrender her child to Tennessee authorities who would ultimate return her child to Kelley. The Court had determined that it had no jurisdiction to entertain any evidence related to the child abuse or the necessity to protect this child from abuse.



After this determination was made, Tina was ordered to hand over her child, and when she refused to do so, she was cited for contempt and placed in jail and has remained in jail for contempt since January 28, 2003. Tina's husband James was placed in jail nearly two months later for alleged contempt as Judge Anthony did not believe James when he told at the January 28th hearing that he did not know where the child was that he and Tina had been ordered to have present with them at this hearing.



James Mitchell was released from jail after eight days due to complications resulting from leukemia Contempt punishments are imposed when one refuses to comply with a court's order, and is not a punishment for lack of knowledge. Nevertheless, James served eight (8) days in jail, suffering from Leukemia and in need of appropriate medical care. Judge Anthony entered another order stating that James could be released from jail if he would turn over Tina's computer and telephone records to law enforcement.



James agreed to do so and was released from jail. His wife Tina has remains in jail even though the maximum penalty that could be imposed for civil contempt under Arkansas law is only 10 days.Shortly after Tina was incarcerated, law enforcement in Wayne County, Tennessee contacted the Union County Sheriff's Office and advised that Wayne County had charged Tina with contempt and requested that Union County authorities meet Wayne County authorities in Memphis to hand Tina over to them. When Union County refused to comply and questioned the procedure without properly complying with the extradition proceedings, Wayne County attempted to misrepresent to Union County that extradition was not applicable in this case.



Union County refused to turn Tina over to Wayne County. Within only a week or so, Wayne County had charged Tina with custodial interference for failing to turn her child over to Kelley. Tina remains in jail at this time on the original contempt order by the Union County Judge, contending that according to the Alabama Court order, she is the custodial parent of her child and that she is merely protecting her child from the system that has failed her, as well as from Kelley. She has indicated that she is required under Arkansas Law to protect her child, and that is exactly what she is doing.



The state of Tennessee is now attempting to extradite Tina to stand trial in Wayne County, Tennessee for custodial interference. Despite the fact that this is a mother who loves her child so much that she is willing to remain in jail if it means that her daughter can remain safe and healthy and does not have to have any contact with Kelley.Kelley has previously threatened to kill Tina and her child to prevent them from disclosing any further issues regarding the abuse that he has inflicted upon the little girl.



Tina as well as her daughter are terrified of Kelley and have reached out to law enforcement and various agencies for help and their pleas for help have gone unheard. That is until a concerned member of this little South Arkansas town contacted Mary Edelmann, Legal Analyst/Litigation Consultant and founder of Litigation Partners of America, Inc. an organization in Little Rock, Arkansas that specializes in civil and criminal litigation consultation and support services on both State and Federal levels.



Edelmann is an advocate for children's rights, particularly those who have been abused and those whose parents are incarcerated. She is also an advocate for the rights of prisoners whose sentences are excessive and those whose sentences have been improperly imposed. After a brief summary of the facts in this case, Edelmann recognized that becoming involved in this case was not a choice for her, as her strong commitment to abused and/or neglected children and their rights would not allow her to consider anything other than helping this child and her mother.



Edelmann immediately set out to locate a local attorney who would be willing to take Tina's case pro bono and would work just as diligently as he would if he had been retained for a five or six figure fee. Edelmann determined that Alvin Clay with Clay Law Firm in Little Rock, Arkansas was the man for the job. Clay was more than happy to help this mother insure the safety of her beloved little daughter. Clay a native of Blytheville, Arkansas focuses his practice on civil and criminal litigation and is committed to protecting the rights of children as well as other citizens who have suffered an, Telephone Recorders Products, injustice in the community or in the judicial system.



While there is a specific legal strategy in place in this case that both Edelmann and Clay believe will result in their ultimate goal, it has not been disclosed at this time. It is noted, however that on May 5, 2003 on behalf of Tina and James and of course their child, Clay filed a Petition for Temporary Emergency Jurisdiction, a Petition to Terminate Kelley's Parental Rights to this child as well as a Petition for Emergency Custody to be granted to Tina and James. It has also been indicated that contacts have been made with the Governors' offices in the State of Arkansas as well as the State of Tennessee by the legal team, but no additional information is available at this time.






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Exposing Metro One's subsibriary company INFONE for what the Company is about: (1) providing service, and help to one entity: themselves.

Michelle Vernier was given a number, 1-888-411-1111 by her Mother, who'd never given her bad advice. Her Mother even fell prey to their false advertising technique on Infone's television commercials. Her Mother knew Michelle was going out of town and wanted her to be supplied with protection in case she was to become lost. On 10/22/03,Michelle's friend and herself, Tom Jennette, arrived via a map in New Jersey around 11:30 PM that night. Her Mom had explained that Infone only cost $ 89 cents a minute with up to 15 minutes for a call to obtain, Telephone Recorders Products, directions, the consumer was given 5 free calls, and that there were no sign-up fees or commitments.



Michelle called the number which she'd programmed into her cell phone. She was asked for her credit card number (which made her leery because of their sign-up commitments and fee agreement) but she proceeded to give it, since they were both exhausted. At that point they only wanted to arrive at their destination. The first operator, Telephone Recorders Products, kept her on hold much longer than 15 minutes. The directions, in which she had which specifically informed the operator, where she was located, where wrong.



Lost again, she called back. She did this 4 times. Same occurrence every single time: placed on hold for a long period then asked for her credit card number.After over 2 hours of driving around in a very shady area past midnight her friend and her asked a police officer they'd spotted on the street for directions. His directions were precise and took less than 3 minutes to provide. She proceeded to cancel the service to make sure there would be no charges incurred. The company representative online, a Michael Coe, wrote her back addressing her as a Mrs.



Morton. Hint one: Michelle is single. Then he went on to state her credits would be applied. She knew legally 4 calls constituted couldn't being charged, so what where the credits for? He had the audacity to leave a telephone number to return his call which was not toll free: (503) 524-1223 or this number belonged to the next customer service representative, she'd dealt with Nancy Palacious, Account Manager. She was bewildered at their lack of competence at this point. She wrote Michelle back apologizing on Michael Coe's behalf then lending a silly excuse.



She wrote that it was confirmed that her account had been terminated.Yet their advertising campaign states there is no sign up fees or commitments. She was ignorant as to what had to be terminated. Michelle did research on the internet into Infone because she deeply knew that this company is putting innocent peoples' lives in potential life or death situations. But she did think that if the bottom level was implemented properly it was a visionary idea and philanthropic. She found out that the โ€œmastermindโ€ behind Infone is a Tim Timmons, CEO of both Infone and Metro One, not an easy person to locate, and discovered: Infone, LLC at 11200 Murray Scholls Place, Beaverton, Oregon 97007 along with the headquarters phone number: (800) 933-4034.



She phoned Timmons and first spoke with his administrative assistance Linda. Next she spoke with the Company's COO, a Gary Henry. She explained the situation and how the company was being operated at the bottom level, how it needed to be improved,that she'd felt it was a humanitarian endeavor, plus a company with a huge profit potential if carried out properly. She told him if Tim was not aware of this situation the company was begging for a Class Action Lawsuit and complete bankruptcy. This corporate professional, Garry, had the immaturity to yell like a maniac at a customer concerned offering free advice, โ€œI am not allowing you to speak to Tim now!



โ€ and hung up. That's when she was fully aware of the fact that she had to pursue this dark predicament, that they're placing innocent lives on the line via this offer purely for their own greed, and arrogance. This Gary's callousness was beyond comprehension. She has all of the written out directions given by their 4 operators in writing. All her telephone records from these calls. All their e-mails saved. A witness in Tom Jennette, who had spoken with the operator on the phone. On December 6th, 2003 she wrote to Ralph Nader's Citizen Watch Organization and was referred to the Trial Lawyers For Public Justice.



They didn't take the case on the claim because of lack of funds. They encouraged her to pursue the case though. One would reason this would be an ultimate case for their organization affiliated with Mr. Nader to take on, if all the organization's lip service was truthful. She then assumed there must be far too much PAC money floating around to different individuals, corporations, and governments over this Company which claims to be the 4th largest telecommunications company in the world.Michelle went to the White House web site and made telephone calls regarding this issue (of which she has records of), and they told her to contact the FCC, and the IFCC and gave her their telephone numbers: 1-877-382-4357 and 1-888-225-5322.



Yet decided it would be a foolish choice to call the government and explain the situation to them when they're being highly likely to be heavily funded by that company and numerous others. She assumed they wouldn't help. She also has a copy of the letter that the Trial Lawyers for Public Justice wrote back and the letter she had written them. Someone in the future, or maybe many people will be in situations where they need directions and are given horrible directions by this company and a life/lives will be lost.



It is not legally sufficient for her friend to file suit, since he had not been a signed up via a credit card member, so Michelle is requesting that others, at least one come forward, with any problems they have endured over the usage of this number, as well as an attorney that is idealistic and ballsy enough to take on this case full throttle. It is a complete travesty of justice. She is willing to testify to make certain a life is not lost because of their negligence. She asks that two other people are equally willing to take a stand for justice and ethics.






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Access To Cell Phone Records-is It Legal

One problem with modern technology, is that for every advancement that can be used for good it can also turn around and be used for evil. Getting access to cell phone records is one example of this.In this article we will take a look at some of the ways you can use cell phone records in a positive way to help yourself when, Telephone Recorders Products, it comes to tracking a cheating spouse.In the past keeping track of what your spouse was doing involved a couple of things. You could attempt to do it yourself which caused mental anguish and took up a lot of time.



If you can afford it you could hire, Telephone Recorders Products, a private investigator to let them investigate for you.The Internet began to make it possible for you to track what your spouse was doing online. And as people begin to use cell phones on a regular basis you could even try and track recent cell calls or even take them yourself if your spouse was careless.It was reported that America blog obtained General Wesley Clark's cell phone records for $89.95 to prove a point about how easy it was to obtain his cell phone records.



This led to a law being passed known as a Consumer Telephone Records Protection Act of 2006. You can no longer purchase information unless you are the actual owner of the cell phone and can prove it.You can easily see how having access to such information could be used for a disadvantage by terrorists and others. So if you are trying to catch a cheating spouse, and you want records of their cell phone calls, what can you do.If you are the legal owner of the phone you can hire a private investigator and have them forensically examine the phone.



This is known as Digital Forensics. It is possible to access caller ID records, deleted text messages, and deleted address book entries, from a handheld electronic device, a Blackberry, or a cell phone.Another thing a spouse can do is track everything a spuse does by installing GPS on a cell phone. You can also check for online cheating by searching online personal ads to see if your spouse's email address shows up. This is known as a dating service assessment.It is possible to access cell phone records if it's done legally.






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Telephone Recording Equipment - Record Phone Calls For Employee Training

Employee training is paramount for those workforce positions that interface with clients and customers. Call center agents, customer service staff, and consultative sales team members are measured by the success they have in reaching out to customers and clients through verbal communication channels - in-person or over the phone.Phone recorders make employee training easy. Employers can use digital phone recorders to listen in as newly hired call center agents engage potential customers about products and services.



The same goes for companies that want to monitor their sales teams and their levels of productivity. Digital phone recording allows supervisors to assess the relative abilities of sales and customer service agents as they accept inbound calls, initiate outbound call campaigns, work through a performance review period, or simply conduct a spot performance evaluation.Phone recording technology allows employers to playback recordings as audio files, giving both they and their employees the opportunity to listen to and review earlier conversations.



Additionally, digital telephone recorders provide reporting functionality, so that supervisors and managers can collect and assess this call data and then distribute individual assessments to employees and trainees via email or FTP post. Data points available to administrators can include audio files of calls themselves, call duration, disposition codes, time and date stamps, and other pertinent information. These constructive critiques can then be the basis for joint or individual performance evaluations, duty modifications and/or incentives for new employees.



Phone recorders also provide an added motivation for employees who know their conversations, Telephone Recorders Products, with customers, clients and prospects are being recorded and assessed by supervisors. The incentive to do well and be recognized for a job well done can induce outstanding performances from good employees and cause significant improvements for less than stellar workers. Phone recorders make it possible for companies to efficiently and smartly train employees, which, Telephone Recorders Products, leads to increased productivity and employee morale, as well as provides employers a platform upon which to assess performance and make the necessary modifications moving forward.

James Smith has been writing about telephone recorders for many years. He has had countless articles published on phone recording equipment, telephone recording tools, and the multiple benefits can receive for business or piece of mind. James enjoys writing about professional telephone monitoring equipment and telephone recording is his passion, especially its constant practices throughout government agencies, private industries, and personal surveillance.

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Discover How You Can Use a Free Reverse Cell Phone Search to Discover Who Owns Any Phone Number

When you need to reveal who owns a particular telephone number you should use what is known as a reverse cell phone number search. If you ever require to discover information, Telephone Recorders Products, about a certain phone number you can get complete details on the owner of the telephone by using this tool. In this article we will show you how it's done..Online there several businesses that provide reverse phone number lookups on their site. The organizations that provide them have set up enormous databases of telephone numbers that anyone can run a search through.



The databases are developed by the businesses - they have to shell out cash to have access to telephone records and details.Whatever kind of telephone number that you are looking up, details can be discovered. Full information about business phone numbers, cell phone numbers and landlines are available.There is a small fee in order to utilize this kind of service. As it costs the organizations money to establish and sustain the databases, they need to be compensated, but it isn't pricey.The least expensive option is to find a company that has a membership option.



With this, you'll be asked to pay a one-time charge that then provides you with unlimited searches.. This way you can login to the site and use a lookup whenever you want. This is less expensive over the long run and a membership isn't a lot more than using a single search.Why don't we have a quick look at a tactic that anybody can utilize to try to get the same information at no cost. By heading over to a search engine and type in the telephone number using quotation signs, there's a possibility that you might obtain some info.



Look at the results and see if there is anything valuable. You hope that there's a website someplace, Telephone Recorders Products, on the web that has the telephone number published on the site.There's a good probability you will not find the details you need, but you might as well give it a shot before you pay money for a reverse telephone lookup.I tend to feel like a detective when employing a reverse phone lookup. It's impressive to look at the amount of information you can reveal about who owns the phone.

Running a reverse phone number lookup isn't complicated - you just type in the telephone number and you'll get the details displayed on your screen.

Click here to try a free sample search to see exactly how this works!

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I Need To Phonebook Reverse

Are you picking a call from an suspicious number on your mobile phone or home phone? Did the semimonthly phone charge come in and there are phone calls established to a figure that is unknown? Searching can provide you with solutions to these form of queries - and more - with a Reverse Phone Lookup.

CLICK NOW to Know The Real Owner of That Number

So what this is all about? A Reverse Phone Lookup allows you to put in a wireless number, whether landline or cell, and then provides you with information relating the individual whose number it is.



Data such as the individual?s name and location will be provided to you right away. If you want extra quality information such as address history, property records on that person, you can find it on this site. Now that you recognize what this type of reverse number lookup is, you could be demanding to know if they are as useful as, Telephone Recorders Products, they look, Telephone Recorders Products, . In a word, yes.



Why Run a Reverse Phone Lookup?

Find who is annoying you every night. From researching a telephone bill, hunting an unwelcome caller, or checking an address, Phone Detective Reverse Lookup is the best on the market, sleek and simplified!



1.



Uncover who is calling your house phone, your cell phone, or your husband's phone.

2. Identify repeated calls from strange number on your caller ID.

3. Identify joke callers.

4. Check someone?s name and workplace.



Phone Detective Reverse Lookup provides you with the name and location behind that unknown telephone number. On Phone Detective, we have access to classified public records that are not like the phone book and so are efficient to provide you with contact information behind a number that other sites cannot.



And if we can?t obtain it in our system right away, we?ll take an additional step and run an skillful hunting and proceeds reverse phone search outcomes within 48 hours at no addable charge.

You don't have to be worried anymore. Click the following link to discover instantly who your spouse is having an affair with or who stalking you by using a Reverse Cellphone Search.

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Thinking about Divorce? Think Money Money Money

Thinking about divorce?

Here's your new mantra:"Money, money, money, money…MONEY!" (hum to the classic tune "For the Love of Money" by The O'Jays)

A marital dissolution or divorce includes paying your attorney, court costs, and your living expenses. Variable factors of the cost of your split will include: the complexity of your case, the integrity of you and your spouse, your cooperative, Telephone Recorders, spirit,the amount of attorney's fees, the area of the country in which you live, custody, mediated issues and jurisdiction.



Seeking professional, Telephone Recorders, advice in addition to your attorney provides insights in areas that your advocate might not specialize.



This is especially true if you are determining a value for your business that will be part of your settlement. In this case you will need your own business evaluator.

Some of the valuable professionals to consider are: a family law attorney,, Telephone Recorders, a tax attorney, CPA, financial advisor, a forensic accountant, a business evaluator, a real estate broker (house or property appraisal,trust, wills, and estate attorney,
and psychologist.



It is important to secure your one half of the marriage resources to fund your divorce. These resources could include cash, savings accounts, credit cards, equity in your home, a family loan, retirement plans, a divorce lien, sale of assets, increased income, a commercial lender, or the sale of your house.

Here are some practical tips: photograph all your property; copy all financial information in advance of filing such as bank statements, financial statements, loan applications,, Telephone Recorders, income tax returns, credit card statements, business telephone records, brokerage accounts, deeds, or anything of value or sentiment; and build a financial reserve if possible prior to filing.



Are you humming yet?

Cindy Hide, BA, JD, is Director of Divorce Education for Women and author of 7 Steps to Divorcing Wisely: Do I Stay or Do I Leave?: A woman's guide to pray, pause and ponder...She offers family law legal services, life coaching by phone, seminars, FREE e-tips and an on-line bookstore with instant downloads, videos, books, and jewelry to empower women in relationship transition. Visit http://www.DivorceEducationForWomen.com or call 713.599.0065.






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Record Debt Collector Calls - Delete Bad Credit

We as consumers want to be treated fairly in every aspect of life, and we deserve respect even if we fall behind on some areas of life which includes being sent to collections in some cases. The FDCPA or Fair Debt Collectors Practice Act was established to control, Telephone Recorders, the abusive and unlawful practices of collection agencies.



If we are not aware of our rights these collection agencies can take advantage of us in order to get a debt paid quicker, and they do this lots of times without going through the proper procedures for collecting on a debt,, Telephone Recorders, which leaves them in violation of the FDCPA.



Consumers are, Telephone Recorders, unaware of many violations of collection agencies, but if in doubt you are welcome to contact the Federal Trade Commission for details and to file complaints.



One weapon we do have is the right to record debt collector calls. I have found in my own experiences with collection agencies that a telephone recording of a collection call or any call that you think you and your rights will be violated is very, very powerful. Your right in most states as a consumer to be able to record possible wrong doing or bad business practices can be powerful leverage to get accounts written off and DELETED from your credit reports, and in some cases file a law suit for damages and violations.



A list of some collection agency violations are below, Telephone Recorders, . Collections agencies CANNOT!



1. Make false statements in order to get you to pay a bill.



2. Make threats that they will have you put in jail if you do not pay a bill.
3. Say they will garnish your wages or put a lean on your property when they are really not.
4. Talk to someone else about your account other than your spouse without your consent.
5. Act as an attorney as a form of scare tactics.
6. Deposit a post dated check before the date agreed upon.
7. Call you collect or send any paperwork that resembles a court document.



Collection agencies can, Telephone Recorders, be sued for up to $1000 per violation, so if they violated 10 areas of the FDCPA that could mean $10,000 dollars for you. Most states in the US require only 1 party consent to record conversations, and that one party can be you knowing of your own recording, and the party on the other line does not have to know of the recording if you choose not to tell them.



This is some very powerful leverage when disputing collection accounts and potentially getting your credit, Telephone Recorders, report clear of collection accounts in violation of your rights.



If a recording is ever taken by you of any collection agency violations make the office manager aware of this and let them know you know your rights and see what they are going to do to remedy this. If you can not settle it between you and the business seek legal action against the collection agency.



Protect yourself as a consumer and keep your credit in good standing, seek good credit repair help as needed and be aware of your rights that recording conversations in most states is legal. Check your state laws on recordings before considering them, and seek out a good digital mp3 player with recording mic which can be used with a speaker phone on your cell phone and you can also purchase a cell phone with, Telephone Recorders, a recording function, and home phone recording systems also can be set up for these purposes. Stay up to date on your rights and state laws and let's protect ourselves from unlawful collection practices that are going on everyday.

I hope the tips and information have been a big help to you. I have been in credit repair for over 10 years and have even worked as a collector for close to 3 years. You can get major credit repair assistance and loans for most any situation at http://www.loansrealfast.com

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