Tuesday, March 29, 2011

Have you done your "Due Dilligence?"

Have you done adequate due diligence on your new clients and customers. In today's information age you could be liable for handing over sensitive and personal information to the wrong person. You may get scammed or be the victim of the next con. 

Parties involved in a business transaction may find themselves being sued by their clients, investors, customers, employees, suppliers, or other third parties asserting failure to conduct proper due diligence or pursuing a liability that was overlooked or incorrectly assessed by due diligence. In this litigious world, you can be sued for just about anything and failing to conduct due diligence is no exception.

Do you know what questions to ask based on the business transaction or client interaction you are about to initiate? Are you an attorney and about to hire that big client? Are you a landlord about to rent your home?

If you are you in the process of  buying or selling property, negotiating a deal, perform any financial transactions, going to purchase, sell, or form a business, Invest and or enter into any kind of legal agreement you should contact us so we can check out your situation. It is important to know that every transaction and situation is unique and will need to be handled differently.

There are great resources out there on the internet on conducting due diligence. One can even dedicate too much time to due diligence for a particular transaction. If you need help or assistance to answer any of the above questions I would be happy to help point you in the right direction.

Contact Right Path Investigations at the link below and request a Confidential Client Interview with our Director of Operations. We will get you on the "Right Path" to the information you are looking for.

http://www.rightpi.com/request                                                                 Author:  Jeff Berns "The RightPI"
Licensed Ca PI #21832                                                                            email:     rpisleuth@gmail.com

Securitization Audits for Foreclosure Defense Litigation

A Securitization Audit is a process by which an Auditor or Investigator puts together a comprehensive report and document that shows what happened to a specific loan, where the money went and to which investment vehicle it ended up in. This can be very important in foreclosure defense cases and litigation against lenders. Each state is set up differently and there are judicial and non-judicial review foreclosure rules.

Securitization is the process by which residential and commercial real property mortgage loans are bundled and sold to investors. Investors such as Goldman Sachs, DeutschBank, Countrywide, Wells Fargo, etc. routinely sell or purchase large blocks of loans and place them into trusts or REMICs (Real Estate Mortgage Investment Conduits). Shares of those are then sold to other investors. Securitization can occur months after the origination of the loan or it can occur immediately after origination. Approximately 85 percent of portgage loans are securitized. Please be aware that not all loans are securitized. It is important to know if your loan was in the 85 percent before hiring someone to conduct your securitization audit.

If you are a bankruptcy or real estate attorney or otherwise have the need to obtain documentation on the holder of your client's mortgage note and or it's securitization history, Right Path Investigations can provide you with court ready information and documentation. Right Path Investigations should be accepting new clients for this new service as early as the beginning of April in 2011. Go to our website and register as a new client or email us and we can send you more information regarding our services and what we can provide.

Note: This information is not to be taken as legal advice and should be evaluated by your attorney for any clarification.

Tuesday, March 15, 2011

Secure Email Certificates

Email Security

Secure Email Certificates - Information Security 

Author: Jeff Berns, Owner/CEO Right Path Investigations March 15, 2011

In today's information age data security is becoming a crucial area of emphasis as online business and ecommerce moves toward a more mainstream user base. Corporations, government and law firms are sending more sensitive and confidential information via email than ever before. Many companies have capitalized on this and are now offering Secure Email Certificates.

Email certificates also known as SMIME certificates, are digital certificates that can be used to sign and encrypt email messages. When you sign an email using an email certificate, only the person that you sent it to can decrypt and read the email.  The recipient can also be sure that the email hasn’t been changed in any way.
If you don’t use an email certificate, your emails can be read by anyone, or any server, that is used to pass the emails to the recipient. This can be a lot people. This would be like sending a letter through the mail so that all of the postal workers and anyone who really wants to can read it. With an email certificate, you are 100% guaranteed to have secure email while it is being transmitted.

Some email servers use a different kind of certificate called a server authentication SSL certificate. This secures all email transmissions from the server to your local computer, but once you send an email to another email account on another email server, it leaves the safe haven and travels to the unprotected lines of the Internet where anyone can read it. An SMIME certificate ensures end-to-end security.

A few companies reputable that offer an excellent product at a reasonable price are CACert, Comodo, Digicert, Entrust, Geotrust, Startcom, and Verisign. If you are going to send sensitive information via email make sure you are using a reputable company and you may not want to go with free encryption services unless it is being offered by one of these reputable company. For example Comodo offers a free version of a Secure Email Certificate http://www.instantssl.com/ssl-certificate-products/free-email-certificate.html

My hope is that this information was helpful to you and may have prevented a breach in your company or organizations data security. Information, research and finding the solution it is what I love to do. Happy trails.

Right Path Investigations - "The RightPI"