tag:blogger.com,1999:blog-26274211201621105052024-02-20T13:38:10.161-08:00AskTheRightPIRightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.comBlogger18125tag:blogger.com,1999:blog-2627421120162110505.post-73356566091807619852017-05-20T11:56:00.002-07:002017-05-20T11:58:35.488-07:00Legality of GPS tracking of vehicles and personsI get requests all the time as a Private Investigator in California to track down people. I wouldn't be doing a service to my client's without posting this and addressing this topic.<br />
<br />
Frequently asked Question(s) below / with Answers:<br />
<br />
Client - Question: Can I GPS track someone in a vehicle?<br />
<br />
RPI - Question Back: Who is the person you want to track?<br />
<br />
Client - Example answers:<br />
My company vehicle, personal vehicle, my minor child's vehicle owned and registered to me.<br />
<br />
RPI - Answer (Yes)<br />
<br />
Client - My ex-boyfriend, ex-husband, one of my co-workers.<br />
<br />
RPI - Answer (No) <br />
<br />
Important Note:<br />
<br />
It is generally legal to use a GPS tracking device if:<br />
<br />
-You or your company/organization own's the vehicle (or asset) to be tracked<br />
-You own the asset that may be taken without your permission<br />
-Your children (under 18) are the focus of the tracking<br />
-You are tracking the asset for the purpose of legal repossession in the event of a loan default <br />
<br />
It is generally "illegal" to use a GPS tracking device if:<br />
<br />
-You are not the owner of the vehicle and do not have the legal right to track it<br />
-You are attempting to track a boyfriend or girlfriend or ex-spouse in their own car<br />
<br />
Client - Question: How do I know if my vehicle is being GPS tracked?<br />
<br />
RPI - Answer: a TSCM (Technical Surveillance Counter Measure) investigation may be needed to<br />
"bug or GPS sweep" your vehicle.<br />
<br />
Client: - Who can I contact for this TSCM investigation service?<br />
<br />
RPI: - Question: Do You Know The RightPI? visit: www.rightpi.com <br />
<br />
or call us at (916) 905-2559<br />
<br />
Answer: Yes, we conduct TSCM investigations of vehicles, residences and businesses. <br />
<br />
<br />
<br />
Right Path Investigations is a full service Private Investigation Services Company, in no way are we expressing we are legal counsel or offering legal advice. It is highly recommended that you check the laws in your state and jurisdiction you reside or conduct business and consult an attorney if need be. <br />
<br />RightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0tag:blogger.com,1999:blog-2627421120162110505.post-25410828721323792142016-03-15T07:59:00.002-07:002016-03-15T07:59:20.533-07:00Just another public service announcement (video courtesy of the
Fresno Bee) from your friendly Investigators that like to promote "fraud
awareness" like the RightPI and Fraud Investigators from the City of
San Luis Obisbo, Ca. Please click on the link below and watch the short video (and share it) , Like and
Re-Tweet. Stay Classy SLO. Nice work! ~RPI<br />
<a href="http://www.fresnobee.com/news/article64684067.html" rel="nofollow" target="_blank">http://www.fresnobee.com/news/article64684067.html</a>RightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0tag:blogger.com,1999:blog-2627421120162110505.post-73215933723826015632015-12-04T09:45:00.001-08:002015-12-04T09:54:42.669-08:00Get Trained, Observe & Report Suspicious ActivityThere has never been a better time to follow my last post on continuing your education than now to plug Code 4's course "Front Desk Safety" after the tragic events that unfolded this Wednesday December 2, 2015 in San Bernadino, Ca that has claimed 14 lives and critically injured dozens more. There have been reports that have ranged from the co-workers to the immediate neighbors of the 2 shooters (and don't forget pipe bombers or terrorists as defined by the F.B.I. ) that there was plenty of suspicious activity leading up to the violent events that have transpired up to and including the shooters directly communicating with known terrorists being watched by the F.B.I.<br />
<br />
Ironically there is a course being taught today on 12/4/15 in Sacramento as I type this post. I myself plan on trying to attend the next scheduled course if at all possible, merely to have the information.<br />
<br />
To read more about this and other courses visit:<br />
<br />
http://www.code4.org/new8hourfrontdesksafety/<br />
<br />
Tip of the Month: "Get Trained, Observe and Report" any and all suspicious activity that you may see in your neighborhood, workplace and/or in public places this holiday season as it is our duty as Americans. <br />
<br />
I am sure that these neighbors wish that they would have reported what they observed before this tragic event unfolded. Read more about this at:<br />
<br />
http://losangeles.cbslocal.com/2015/12/02/authorities-search-redlands-home-tied-to-suspect-syed-farook/ <br />
<br />
Please share this information & RT - Respect, Jeff Berns - "The RightPI" www.rightpi.com<br />
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<br />
<br />
<br />RightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0tag:blogger.com,1999:blog-2627421120162110505.post-72801792508827224262015-11-25T11:49:00.001-08:002015-11-25T11:50:34.631-08:00Got Training & Continuing Education?<br />
<br />
If you are not learning, you are not growing. Plain and simple.<br />
<br />
Your knowledge base or information gathered that you make decisions will direct your life. In the western United States we have been plagued with an extreme drought these past few years. It is not hard to picture plant growth without water. Whether your continued learning is a refresher course on Specialized Investigation Techniques, or new knowledge as technical as Computer Science or Data Science, Ethical Hacking often to referred to as "White Hat hacking", Interviewing Techniques, a CCW (Concealed Carry Weapon) course, it really doesn't matter as long as you continue to learn and excercise your noodle.<br />
<br />
I do not get one penny for plugging or advertising for any one business or organization but I would be remiss to write this short blog and not try to point you in the direction of learning and growth. So here it goes:<br />
<br />
https://www.sans.org/ <br />
https://www.blackhat.com/us-15/training/<br />
https://www.hetheringtongroup.com/about.shtml <br />
http://www.learningexchange.com/<br />
http://www.code4.org/<br />
<br />
I will be looking for a course to begin and bring in the new year myself. Many of us excercise our physical bodies, but when was the last time you excercised your brain?<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRngJjX3CbmxBmVTCT5cgp7OL7yd8khGeW54vaf6gyW2jm5bXQJqvhMe2KBhfQ3zQLMvcCDzmP6WSZhk1pNe-DzOBfdPrYCogK8s_JW6DzWiLhbM-MqJawwIxbYAvKO3ygAuHrjBC7BbTT/s1600/Idea.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRngJjX3CbmxBmVTCT5cgp7OL7yd8khGeW54vaf6gyW2jm5bXQJqvhMe2KBhfQ3zQLMvcCDzmP6WSZhk1pNe-DzOBfdPrYCogK8s_JW6DzWiLhbM-MqJawwIxbYAvKO3ygAuHrjBC7BbTT/s1600/Idea.jpg" /></a></div>
<br />
Follow more Investigative Information on Twitter @RightPI https://twitter.com/rightpi<br />
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<br />RightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0tag:blogger.com,1999:blog-2627421120162110505.post-55730438615078533832015-09-15T07:57:00.003-07:002015-09-15T07:57:21.726-07:00<b>Back 2 the Basics, Cyber Security 101: </b><br />
<br />
Cyber security starts with you: Go back to the basics and buy a real
flashlight. Read the disclosures before installing apps that waive your
right to privacy. Pictures, Banking info, Geo tagging and more...<br /> (P.S., this
applies to any App on your phone really when you allow access
your contacts, picture, info etc.) Pass it on to those you love . Blessings & Respect ~ The Right PI<b> www.rightpi.com</b><br />
<br />
Do not install Apps that allow access 2 your personal info: This is a Cyber Security "Must Watch" video.<br />
<br />
https://www.youtube.com/watch?v=Q8xz8xKEFvU <br />
<br />
RightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0tag:blogger.com,1999:blog-2627421120162110505.post-51793122959807811652015-06-15T13:40:00.003-07:002015-06-15T13:41:08.230-07:00"Surveillance, Data Privacy & Internet Freedom" "Surveillance, Right To Data Privacy, Internet Freedom"<br />
~ Edward Snowden via teleconference at TED 2014<br />
<br />
http://www.ted.com/talks/edward_snowden_here_s_how_we_take_back_the_internetRightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0tag:blogger.com,1999:blog-2627421120162110505.post-47480327533567576262013-08-21T20:51:00.002-07:002013-08-22T08:30:39.454-07:00Drones - Traffic Cams - Electronic Bug Sweeps - George Orwell's 1984Drones, Traffic Cameras for license plates, and yes Bugs or Electronic Eavesdropping Devices: 1984?<br />
<br />
Eavesdropping has become more and more common in this new world of high-tech surveillance whether it be the government, your employer, a spouse or ex-spouse. Per the front page article of the USA Today (8/22/13) 56, 000 emails of Americans were intercepted and monitored by the NSA that had nothing to do with terrorism this past year which has led to the huge NSA scandal that has unfolded before our eyes. Unmanned drones have been a hot topic lately in the news media and just to dis-spell any rumors or false notions: " Not all drones are *Predator Drones that carry heat seeking missiles." Many, and most (of these surveillance type drones) are smaller and may even resemble more like a remote control helicopter or airplane. This is a very grey area legally right now in our country and it is important to know the laws in your state or region in the event that you yourself are using these types of surveillance measures. This is such a new area that many attorneys and legal professionals are not even aware of what is legal or not when it comes to the use of unmanned drones for surveillance. <br />
<br />
Undercover cameras, video and audio equipment and it's technology has become microscopic and wireless. In addition, the cost for this type of equipment has come down and is much more accessible to those who have a need. GPS tracking devices, computer monitoring and key logger software can be installed and your privacy rights may have been violated or are being violated as I type up this post. I guarantee your vehicle has been spotted in California if you have driven thru Los Angeles County recently as there is a camera at almost every intersection. Well, that is a bit of an exaggeration, but not by much!<br />
<br />
If you believe you have been wire tapped illegally or you are being recorded without your knowledge and/or consent and want the peace of mind of knowing that your living space is free an clear of such devices, call us today for a free estimate to sweep your home, business and/or vehicles. All calls and emails are confidential and we can give you that peace of mind you are looking for. For more information on TSCM (Technical Surveillance Counter Measures) you can also visit PI.Now at the link below to read more about this and how we can help you and determine whether or not you are being monitored electronically. There are many helpful articles to educate you on this topic and many more involving investigation and how it is done. Read this article below and learn more about what we are talking about. No this isn't 1984 it's 2013.<br />
<br />
http://www.pinow.com/articles/1449/tscm-surveillance-case-study-father-vs-son <br />
<br />
If you don't know where to start, give us a call and we'll point you in the Right Direction (or Path).<br />
<br />
For more info or an appointment you can call us at 916.905.2559 or email us at info@rightpi.com. <br />
<br />
<br />
Do You Know The RightPI?<br />
<br />
www.rightpi.com<br />
<br />
Jeff Berns, Right Path InvestigationsRightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0tag:blogger.com,1999:blog-2627421120162110505.post-38643248064235004492013-06-24T19:32:00.000-07:002013-06-24T19:32:00.998-07:00Got Email Encryption?Got Email Encryption Software? Got The RightPI?<br />
<br />
In this day of government and corporate "data breaches" people and companies are learning more and more why they need to get educated on data and information security. Companies like Symantec and web based email solution companies like Enigmail, TrueCrypt and HushMail are the new rage. With the emergence of the Cloud in the digital age and corporations (including governments globally) moving more and more data into secure servers and relying less and less on paper records, these types of companies are now growing exponentially overnight.<br />
<br />
If when you hear words like cryptographic hash, compliance based reporting, and post-prism world and it sounds like someone is speaking Greek to you (and you don't speak Greek obviously), then you may want to visit Symantec's site below and watch a few videos on Email & Drive Encryption to brush up on this. More and more companies and organizations are taking their data security seriously and it is about time. We are not a re-seller for Symantec and their products, but they are one of the best data security providers on the market and this company is just one example of how you can protect yourself and your clients from unwarranted security breaches. Watch the video on their site and learn how.<br />
<br />
http://www.symantec.com/small-business/products-solutions/category/detail.jsp?pcid=encryption&inid=us_smb_ps-flyout_prod-cat_encryption<br />
<br />
Right Path Investigations is in the business of information and we encrypt our communications with our clients and partners on a regular basis. Just spreading the word on this hot topic and we wouldn't be doing our due diligence on the matter if we weren't sharing the info with you. ~ The RightPIRightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0tag:blogger.com,1999:blog-2627421120162110505.post-91299512230339274092013-03-27T18:22:00.000-07:002013-03-27T18:22:05.093-07:00Penny Background Checks - Consumer BewareIt is becoming more and more common for the general public to "buy" into the idea that you can, "Be Your Own Online Investigator" and guess what, the public is "buying in" in large quantities. These companies offer "instant comprehensive background checks" for pennies (ok maybe a $ dollar or two). Many of these companies (that I won't name here) have capitalized on selling you old, inaccurate information online and marketed "background checks" and claim to have information on a particular phone number or email address when they really do not have valid current owner information.<br />
<br />
It has been researched and documented by my colleagues and peers that many of these companies are foreign based and have a P.O. box listed for an address with contact numbers so old that you can not reach a live person. Sometime this old contact number that is as inaccurate as the outdated information you just purchased. As a licensed private investigator I am always trying to keep up on who has the most up to date and accurate or reliable information. I can tell you without reservation I do not use any of these irreputable companies.<br />
<br />
The next time you are in need of reliable information on an individual or company and "before" you type in your credit card numbers and press enter feel free to send me a message either via email through Right Path Investigations at info@rightpi.com If you are in serious need of Investigative Services you can always send a request for a " No Obligation Confidential Client Interview" by visiting us here: http://www.rightpi.com/index.php/request I had to post this info: Just know I am trying to save you some future heart ache &($$$) .<br />
<br />
In summary, you probably have heard your mother or father at one point in your life say, "You get what you pay for." This rings true not only here but in many situations in life and it is good advice to heed. Call me or message me and I will be happy to tell you which of these companies to
steer clear from over our confidential client interview. My best
advice going forward is to for you to use Google for your internet research. If you still can't find the information you are
looking for and still need to know, ask yourself this...<br />
<br />
Do you know The RightPI? <br />
<br />
visit: www.rightpi.com<br />
<br />RightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0tag:blogger.com,1999:blog-2627421120162110505.post-61049888409889387172013-01-15T09:26:00.003-08:002013-01-15T09:26:33.050-08:00A popular scam in the Sacramento (NorCal Area) is the latest SMUD late payment scam. "Not a new one by any means". In the P.I. world there are many ruses out there to gain information for investigative reasons. Scamming and victimizing is not the goal for P.I.s though as it it for criminals, identity theives and the like. Make sure you are up on these by checking out the FBI's list of common scams at: http://www.fbi.gov/scams-safety/e-scams or you can check out other helpful public service websites such as: Bytecrime.org at http://www.bytecrime.org/ Fox News just reported on this happening in our region recently so be aware that it is happening out there right now. The number one way to protect yourself is do not give out information "over the telephone" without you (yourself) initiating the call. Always that the number you are calling or the website you visiti is a legitimate and secure phone number and/or web address. It is always best if you initiate the call and contact. Make sure to do so through the service provider's statement that you are mailed monthly or their main website. Here is the Fox News story that hit the press on this recently: http://fox40.com/2013/01/14/smud-warns-of-convincing-scammers/ Spread the word...<br />
<br />
Don't be a victim, be aware and share this article and forum with a friend and/or family member.<br />
<br />
-Jeff Berns "The RightPI" web: www.rightpi.com email: rpisleuth@gmail.com pho: 916.905.2559<br />
<br />RightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0tag:blogger.com,1999:blog-2627421120162110505.post-90309958339363857022012-08-28T16:58:00.001-07:002012-08-28T16:58:02.616-07:00Online Threats - Scams<br />
Bytecrime Threat Center and Current Online Scams to be aware of.<br />
"This is a Great Resource for Consumers and the Public out there... "<br />
<br />
RightPI is Just taking a bite out of crime and spreading the info <br />
<br />
<span style="font-size: small;"><a href="http://www.bytecrime.org/threat-center.php?threat=73">http://www.bytecrime.org/threat-center.php?threat=73</a></span><br />
<br />RightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0tag:blogger.com,1999:blog-2627421120162110505.post-18080730864574151782012-08-28T16:44:00.000-07:002012-08-28T16:44:04.529-07:00Cyber Scams<div style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: #efefef; color: black; font-family: Arial, Helvetica, sans-serif; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 17px; orphans: 2; text-align: left; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">
Real People. Real Stories:</div>
<div style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: #efefef; color: black; font-family: Arial, Helvetica, sans-serif; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 17px; orphans: 2; text-align: left; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">
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"I had just been fired from my job when I saw an ad on a local classified website that said "help wanted" for a job "processing online ads". The ad indicated that there were only a few positions available. And in order to apply, you needed to send them $19.95 via PayPal so that they would send you a training manual to teach you how to process the ads. When I received the manual, I noticed that it was teaching me how to set up an ad (like the one I responded) to take people’s money.</div>
<div style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: #efefef; color: black; font-family: Arial, Helvetica, sans-serif; font-size: 13px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: left; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">
I really don’t know what I was thinking when I responded to a job ad that asked for payment. But I’ve learned my lesson. I no longer respond to job ads from unknown sources – especially if they ask for payment beforehand."</div>
<div align="right" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: #efefef; color: black; font-family: Arial, Helvetica, sans-serif; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 17px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">
<i>— Anonymous</i></div>
<div align="right" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: #efefef; color: black; font-family: Arial, Helvetica, sans-serif; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 17px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">
<br /></div>
<div align="right" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: #efefef; color: black; font-family: Arial, Helvetica, sans-serif; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 17px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">
<br /></div>
<div align="right" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: #efefef; color: black; font-family: Arial, Helvetica, sans-serif; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 17px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">
<br /></div>
<br />
Online Source: <br />
<br />
<a href="http://www.bytecrime.org/">http://www.bytecrime.org/</a><br />
<br />
<br />
Don't Be like Anonymous... Be aware of online scams and research who it is you are doing business with. If you need help there are many resources out there to help learn how to protect yourself online. We can help at Right Path Investigations and at least point you to a resource that may help protect you in the future.<br />
<br />
~ "The RightPI"<br />
<br />
RightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0tag:blogger.com,1999:blog-2627421120162110505.post-56295678111879162352011-04-30T04:49:00.000-07:002011-04-30T04:49:58.778-07:00Bogus Mortgage Fees Exposed!News Source:<br />
By Heather Sullivan / CBS News Channel 7<br />
Spartanburg, Greenvile, Anderson, S.C., Asheville, N.C. <br />
<br />
<br />
People across the country are losing their homes in the mortgage meltdown. <a class="topic_link" href="http://www2.wspa.com/topics/types/position/tags/leading-attorney/" title="Topic - Leading Attorney">A leading attorney</a> based in <a class="topic_link" href="http://www2.wspa.com/topics/types/company/tags/western-north-carolina/" title="Topic - Western North Carolina">Western North Carolina</a> says its often due to hidden and illegal fees on their mortgages. That's why he holds a <a class="topic_link" href="http://www2.wspa.com/topics/types/facility/tags/bankruptcy-boot-camp/" title="Topic - Bankruptcy Boot Camp">Bankruptcy Boot Camp</a> to teach other attorneys how to spot bogus fees. He shows you how you can spot them on your own mortgage, too, in this Seven On Your Side Consumer Watch.<br />
<br />
Inside a quiet house on a hill in <a class="topic_link" href="http://www2.wspa.com/topics/types/city/tags/polkville/" title="Topic - Polkville">Polkville</a>, <a class="topic_link" href="http://www2.wspa.com/topics/types/provinceorstate/tags/north-carolina/" title="Topic - North Carolina">North Carolina</a>, attorneys are in basic training. It's called <a class="topic_link" href="http://www2.wspa.com/topics/types/facility/tags/bankruptcy-boot-camp/" title="Topic - Bankruptcy Boot Camp">Bankruptcy Boot Camp</a>. They're learning how to save homes from foreclosure.<br />
<br />
The drill sargeant is <a class="topic_link" href="http://www2.wspa.com/topics/types/position/tags/attorney/" title="Topic - Attorney">attorney</a> <a class="topic_link" href="http://www2.wspa.com/topics/types/person/tags/max-gardner/" title="Topic - Max Gardner">Max Gardner</a>. "What we're trying to do is educate bankruptcy attorneys about how they can identify and find unlawful, illegal fees that have been charged to the loans of their clients."<br />
<br />
<a class="topic_link" href="http://www2.wspa.com/topics/types/person/tags/max-gardner/" title="Topic - Max Gardner">Gardner</a> says the fees are not usually charged by mortgage companies, but by the companies you send your payments to, the loan servicing companies.<br />
<br />
Said <a class="topic_link" href="http://www2.wspa.com/topics/types/person/tags/max-gardner/" title="Topic - Max Gardner">Gardner</a>, "It may be a fee for allegedly driving by your house once a month. ... It could be a fee for some legal service you didn't know about. It may be a late charge that is being added to your account when a late charge is not justified."<br />
<br />
Inside the room where <a class="topic_link" href="http://www2.wspa.com/topics/types/person/tags/max-gardner/" title="Topic - Max Gardner">Gardner</a> holds <a class="topic_link" href="http://www2.wspa.com/topics/types/facility/tags/boot-camp/" title="Topic - Boot Camp">Boot Camp</a> is what he calls the Wall of Shame, a series of framed checks he's won in cases against loan servicing companies. "We've got some checks up here for $300,000, $400,000, $50, $60, $75,000," points <a class="topic_link" href="http://www2.wspa.com/topics/types/person/tags/max-gardner/" title="Topic - Max Gardner">Gardner</a>. He says the checks are from just about every loan servicing company out there. The fees start out small, but add up fast.<br />
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Said <a class="topic_link" href="http://www2.wspa.com/topics/types/person/tags/max-gardner/" title="Topic - Max Gardner">Gardner</a>, "It can actually put somebody in default. They're mortgage obligation can go into foreclosure when they're not really in default and the pressure is on for them to do it more."<br />
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<a class="topic_link" href="http://www2.wspa.com/topics/types/position/tags/attorney/" title="Topic - Attorney">Attorney</a> <a class="topic_link" href="http://www2.wspa.com/topics/types/person/tags/john-larue/" title="Topic - John Larue">John LaRue</a> traveled all the way from <a class="topic_link" href="http://www2.wspa.com/topics/types/provinceorstate/tags/indiana/" title="Topic - Indiana">Indiana</a> for <a class="topic_link" href="http://www2.wspa.com/topics/types/facility/tags/boot-camp/" title="Topic - Boot Camp">Boot Camp</a> so he can help his clients. Said <a class="topic_link" href="http://www2.wspa.com/topics/types/person/tags/john-larue/" title="Topic - John Larue">LaRue</a>, "We'll be able to help them in retaining their homes, rewriting loans, even securing money judgments for them."<br />
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That's the kind of basic training <a class="topic_link" href="http://www2.wspa.com/topics/types/person/tags/max-gardner/" title="Topic - Max Gardner">Gardner</a> says attorneys will need in the war against the mortgage crisis. <br />
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Here are some fees and violations <a class="topic_link" href="http://www2.wspa.com/topics/types/person/tags/max-gardner/" title="Topic - Max Gardner">Gardner</a> says to watch out for on your mortgage:<br />
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*failing to credit payments to your account,<br />
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*late charges when you didn't pay late,<br />
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*charging for insurance you don't need,<br />
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*overcharging legal fees,<br />
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*failing to notify you when your payments change.<br />
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To protect yourself, <a class="topic_link" href="http://www2.wspa.com/topics/types/person/tags/max-gardner/" title="Topic - Max Gardner">Gardner</a> suggests asking for a written statement of your payments every six months. If you see a fee you don't recognize, he recommends sending the loan servicing company a written dispute by certified mail. If the fee is not resolved, you may need to contact <a class="topic_link" href="http://www2.wspa.com/topics/types/position/tags/attorney/" title="Topic - Attorney">an attorney</a>.<br />
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<br />
Attorney's are being trained by Max Gardner in Chicago, Illinois on June 18th & 19th. If you are interested,<br />
you'll find more information about <a class="topic_link" href="http://www2.wspa.com/topics/types/facility/tags/bankruptcy-boot-camp/" title="Topic - Bankruptcy Boot Camp">Bankruptcy Boot Camp</a> by following the link below: <br />
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<u>http://www.maxbankruptcybootcamp.com/ </u><br />
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<u>Respectfully,</u><br />
<u> </u><br />
<u>Jeff Berns "The RightPI"</u>RightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0tag:blogger.com,1999:blog-2627421120162110505.post-67691629177521449882011-04-21T23:18:00.000-07:002011-04-21T23:18:52.347-07:00Companies Offer Securitization Audits w/o Current Successful Case References?<div class="art-article">Author: Jeff Berns "The RightPI"<br />
Sources: California DRE, Credit Slips.com<br />
April 21st, 2011<br />
Unethical & Unlicensed Activity of Companies Offer Securitization Audits w/o Current Successful Case References. Question to Ask Your Auditor before you write and mail that check: " Where are the Current Case Examples?"<br />
Have you read about the "Ibanez Case" in Massachussetts? The case involves an issue of the Chain of Title and in this case the actual audit of the securitization process is critical to identifying who holds title and who has the legal standing to foreclose.<br />
<a href="http://www.creditslips.org/creditslips/2011/01/ibanez.html"> http://www.creditslips.org/creditslips/2011/01/ibanez.html</a><br />
If you are in the market for a "Securitization Audit" or a "Forensic Loan Audit" services for yourself or a client, make sure you know who you are hiring and doing business with, or you may be their next victim. Ask for the specific names of people and cases that these "Audits" have actually been introduced as evidence in court. Have they helped an attorney in foreclosure defense or a bankruptcy case? This might be critical to ask and to find out before spending your hard earned money.<br />
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Just having your Audit introduced as evidence is not enough if it leads to you or your client's foreclosure defense suit being dismissed. Unfortunately there are many companies and individuals out there producing flashy looking reports that have little or no value to the attorney litigating these cases. It has become so bad and prevalent in California that the Department of Real Estate (DRE) has had to issue a consumer alerts and warnings. <span style="text-decoration: underline;"><strong></strong></span><br />
<span style="text-decoration: underline;"><strong>http://www.dre.ca.gov/pdf_docs/ConsumerWarningForensicLoanAudits.pdf</strong></span><br />
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In some reports words are incorrectly spelled and the author's can't write a grammatically correct paragraph, much less a court ready legal summary or report. You can check current cases by searching (in many counties, even free) County Court Indexes or by signing up for Pacer (US Federal Court Search Site). If you need help with this email us or chime in on our "Ask The RightPI" Blog (Link Below)<br />
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For an administrative fee (2 hour minimum) Right Path Investigations can do a quick court check on whoever you plan on hiring. If you have been a victim of a particular individual or company we would like to hear from you. We'll help if we can. We may save you hundreds of dollars by doing so. If you need a more detailed investigation then contact us and we can make suggestions and recommendations based on your specific situation. We are not attorneys nor do we give legal advice. We do work closely with local, experienced real estate and bankruptcy, criminal and civil attorneys.<br />
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We also welcome your attorney calling us so we can discuss our Intensive SAIR and what investigation can be done. Actually tracking down the legal holder of the note, the deed of trust, the documents needed to prove if and when the chain of title has or has not been broken, involves a much more in depth investigation. We recommend you contact an experienced real estate attorney if you believe this has happened and is your situation.<br />
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This post has been written to help educate homeowners and the public on Securitization Audits, Forensic Loan Audits. These Audit Reports have been finding their way into the courtroom. Getting in the door in court just isn't enough. The door will be slammed on you by the judge if you have been provided a useless report. Don't be afraid to ask the tough questions before you write your check for an Audit. If you have more questions: Follow our Blog "Ask The RightPI" on the web at<a href="http://asktherightpi.blogspot.com/"> http://asktherightpi.blogspot.com/</a><br />
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Respectfully,<br />
<br />
Jeff Berns "The RightPI"<br />
CEO/Director of Operations<br />
Right Path Investigations. CA lic# 21832<br />
Former Criminal Investigator, County of Sacramento, Former Insurance Adjuster</div>RightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0tag:blogger.com,1999:blog-2627421120162110505.post-14335632034497293152011-04-17T15:42:00.000-07:002011-04-17T15:42:56.815-07:00*****CONSUMER ALERT***** Beware of Securitization Audits Scams, Hire a Professional InvestigatorSecuritization of a mortgage loan is the process by which residential and commercial real propertymortgage loans are bundled into various trusts and sold to investors. Securitization can occur months after origination, or it could occur immediately after origination. Approximately 85 percent of portgage loans are securitized. However, not all loans are securitized. It is important to know if your loan was in the 85 percent before hiring someone to conduct an investigation into the securitization of your loan.<br />
Investors such as Goldman Sachs, DeutscheBank, 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.<br />
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Knowing what happened to a particular loan, where it went and which investment vehicle it ended up in, can be important in foreclosure defense and litigation against lenders, especially for properties located in judicial-foreclosure states. There are many attorney’s nationwide using a securitization audit or a written investigation report in court to challenge the standing of the company taking action to foreclose. Our investigation services are designed for these attorneys. We do not offer SA Investigations to the general public or private homeowners as a matter of integrity and protection to those who may benefit from our services. All of our SA Investigation Reports have been reviewed by legal counsel and are court ready documents. We want you to be well represented and informed if you plan on hiring an attorney and filing litigation or bankruptcy for the purposes of foreclosure defense.<br />
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There are many individuals and companies out there that are not reputable and have preyed on desperate homeowners and the public. The Department of Real Estate in California has made a public warning page ( Click here Linkto DRE Consumer Warning) <a href="http://www.dre.ca.gov/pdf_docs/ConsumerWarningForensicLoanAudits.pdf">http://www.dre.ca.gov/pdf_docs/ConsumerWarningForensicLoanAudits.pdf</a> to warn consumers of unscrupulous individuals and businesses. Senate Bill 94 was signed into law on October 11th, 2009 by the Governor and it became effective that day. It prohibits any person, including real estate licensees and attorneys, from charging, claiming, demanding, collecting, or recieving an upfront fee from a homeowner borrower in connection with a “promise” to modify the borrowers residential loan or some other form of mortgage loan forebearance.<br />
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In non-judicial foreclosure states, this research can be useful in bankruptcy defense, and it can provide the basis for directed discovery or evidentiary hearings, and is especially useful in defense in Unlawful Detainer Proceedings as a complete defense.<br />
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Here is a list of judicial & non judicial foreclosure states:<br />
Florida, Indiana, New Mexico, Kansas, North Dakota, Iowa, Illinois, Louisiana, Alabama, Kentucky, Ohio, South Carolina, Delaware, New Jersey, Pennsylvania, New York Connecticut and Maine. Other states, including California, Oregon, Washington, use either non-judicial foreclosure methods or a combination of both.<br />
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It is also important to point out that an audit commonly referred to as a “Forensic Loan Audit” of your original loan document is when a thorough examination of original loan documents has been conducted. The findings of the Forensic Loan Audit are documented and quite commonly will list discrepancies and violations of TILA, RESPA and HEOPA have occured in the loan documents. The Forensic Loan Audit is much different and less complex than a “Securitization Audit” (SA) Investigation which has been decribed above. Some company’s have marketed themselves as providing such services “Securitization Audits” when really all they are doing is examining the documents and are not documenting the actual financial process by which the loan’s funds were pooled, where the note was sold or where the Trustee was actually named on the note and/or the Deed of trust of a specific loan.<br />
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If you’re a real estate attorney, bankruptcy or otherwise have need to obtain documentation on the holder of your client’s mortgage Note and/or its securitization history, Right Path Investigations can provide you the most comprehensive documentation available. We are a “Licensed” investigation company and can provide your with an accurate report of our findings. We can also investigate any company or individual who has preyed on you or scammed you in this area. We are happy to investigate who it is you are dealing with before you mail off your private loan documents with your sensitive and confidential info.<br />
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If you are not an attorney and thinking about hiring someone to conduct a Securitization Audit, don’t throw away you hard earned money. We can help with an inexpensive and quick background check.<br />
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Contact us on our website today <a href="http://www.rightpi.com/request">http://www.rightpi.com/request </a><br />
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<strong><br />
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<strong><span style="font-weight: normal;">Respectfully, </span></strong><br />
<strong><span style="font-weight: normal;">Jeff Berns "The RightPI"</span></strong><br />
<strong><span style="font-weight: normal;">916-981-5682</span></strong><br />
<strong> </strong><br />
<strong>IMPORTANT NOTICE: </strong><br />
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<strong>THIS INFORMATION IS NOT TO BE TAKEN AS LEGAL ADVICE AND SHOULD BE EVALUATED BY YOUR ATTORNEY FOR CLARIFICATION AND RECOMENDATIONS. WE ARE A LICENSED PRIVATE INVESTIGATION FIRM AND WE WILL PROVIDE THE FACTS OF OUR INTENSIVE AND DETAILED INVESTIGATION EFFORTS. THERE IS NO PROMISE OR GUARANTEE THAT OUR SECURITIZATION AUDIT AND/OR INVESTIGATION REPORT(S) WILL LEAD TO A LOAN MODIFICATION OR STOP THE PROCESS OF FORECLOSURE. </strong>RightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0tag:blogger.com,1999:blog-2627421120162110505.post-88768317091226672002011-03-29T19:29:00.000-07:002011-03-29T19:29:47.403-07:00Have 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. <span style="font-size: small;"><span></span></span><br />
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<span style="font-size: small;"><span>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. </span></span><span style="font-size: small;"><span>In this litigious world, you can be sued for just about anything and failing to conduct due diligence is no exception. </span></span><br />
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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?<br />
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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. <br />
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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.<br />
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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.<br />
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http://www.rightpi.com/request Author: Jeff Berns "The RightPI" <br />
Licensed Ca PI #21832 email: rpisleuth@gmail.comRightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0tag:blogger.com,1999:blog-2627421120162110505.post-46882834921428017372011-03-29T18:44:00.000-07:002011-03-29T18:44:54.551-07:00Securitization Audits for Foreclosure Defense Litigation<div class="art-article">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.<br />
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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.<br />
<br />
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.<br />
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<strong>Note: This information is not to be taken as legal advice and should be evaluated by your attorney for any clarification. </strong></div>RightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0tag:blogger.com,1999:blog-2627421120162110505.post-23472977554989538592011-03-15T22:45:00.000-07:002011-03-15T22:45:20.224-07:00Secure Email Certificates<h2 class="art-postheader"> Email Security</h2><h2 class="art-postheader"><span style="font-size: large;"><u>Secure Email Certificates - Information Security</u><span style="font-size: x-small; font-weight: normal;"> </span></span></h2><h2 class="art-postheader"><span style="font-size: large;"><span style="font-size: xx-small; font-weight: normal;">Author: Jeff Berns, Owner/CEO Right Path Investigations March 15, 2011</span></span></h2><h2 class="art-postheader" style="font-weight: normal;"><span style="font-size: small;">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.</span></h2><div class="art-article"> <strong><strong></strong></strong>Email certificates also known as <em>SMIME certificates</em>, 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.<br />
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.<br />
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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.<br />
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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<br />
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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.<br />
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Right Path Investigations - "The RightPI"<br />
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</div>RightPIhttp://www.blogger.com/profile/07776940341448280676noreply@blogger.com0