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Scammers and Financial Abusers
Posted by stutt   •   Monday, 2016-June-27
Worried about identity theft?

Consider going to the National Consumer Law Center's website at
https://www.nclc.org/images/pdf/older_consumers/consumer_facts/cf_protect_yourself_from_identity_theft.pdf and download the Protect Yourself Against Identity Theft brochure.
Are you a target for Scammers? They focus on elders who are 78 or older according to experts.
What are some of their strategies? They make you feel important, a somebody once more. You may then relax your suspicions and fall into their scams.
The scammer may offer validation or praise while your son or daughter tells you of your foolishness. The scammer may offer you a deal that is too good to be true. It is best to check out the "deal" with your financial adviser, attorney, and financial institution rep before taking the leap for that "deal".
Public Education Resoures for Parents, Teachers and Teens
Posted by stutt   •   Tuesday, 2016-February-16
The State Bar of Wisconsin offers law-related education materials that provide valuable information for you.
You can download the following for free: The Bill of Rights

What You Should Know about Wisconsin Law

Teens and the Law
There are Spanish versions of "What You Should Know about Wisconsin Law" available as well. You can download such publications at

The State Bar of Wisconsin's Study of Public Understanding of the Legal System
Posted by stutt   •   Tuesday, 2016-February-16
The State Bar of Wisconsin recently caused a study of the understanding of the public of the legal system. Five key findings are:

1) The person least likely to have sought a lawyer is a female of color under the age of 30 with a high school diploma or less.

2) The typical person who does not vote in a judicial election is likely to be a male of color under the age of 30 with a high school diplomas or less.

3) The typical person who fails to participate in government by voting, contacting public officials, attending government meetings, and/or running for office is a person of color under 30 years of age with a high school diploma or less.

4) Only about one in eight survey respondents were able to identify two rights they possess as citizens. The full report of the Public’s understanding of the Legal System can be downloaded as a pdf file at

www.wisbar.ogr/aboutUs?Reports/Pages/reports.aspx. The public can use the State of Wisconsin Bar Association's website to understand the law in our state.
Are you concerned about the theft of your credit?
Posted by stutt   •   Thursday, 2014-November-13
You can legally obtain a free copy of your credit report once every 12 months. Visitwww.annualcreditreport.com, or call 1-877-322-8228 or visit the Federal Trade Commission website to request a complimentary Equifax, Experian or Trans Union profile. For identification verification purposes, when you request a free credit report, you should be prepared to disclose personal information. In addition, under the Federal Credit Reporting Act (FCRA), you are also entitled to a free report within 60 days of a credit denial or after a company has taken an adverse action against you. This company must provide you with a notice that lists which credit reporting agency or agencies it used in processing your application. The Federal Trade Commission testified before a U.S. Senate Commerce subcommittee on a recent FTC study examining the accuracy of consumer credit reports, as well as the agency’s efforts to improve credit report accuracy through enforcement and education.
One of the Agency's Associate Director, Division of Privacy and Identity Protection, told the Subcommittee on Consumer Protection, Product Safety, and Insurance that errors in credit reports can cause consumers to be denied credit or other benefits or pay a higher price for them. It may also lead credit issuers to make inaccurate decisions that cause them to deny credit to a potentially valuable customer or issue credit to a riskier customer than intended.
“The Commission recognizes the importance of accurate and complete credit reports, both to businesses that use them to make decisions and to the consumers who are affected by those decisions,” the testimony states.
The Commission’s December 2012 study to Congress on credit reporting accuracy focused on identifying potential errors that could have a material effect on a person’s credit standing. Any participant who identified a potentially material error on their report was encouraged to dispute the erroneous information. The study found that 26 percent of consumers reported a potential material error on one or more of their three reports and filed a dispute with at least one credit reporting agency (CRA) and half of these consumers experienced a change in their credit score. For five percent of consumers, the error on their credit report could lead to them paying more for products such as auto loans and insurance.
Vigorous enforcement of the Fair Credit Reporting Act (FCRA) is a high priority for the Commission, the testimony states. In the past decade, the FTC has brought over 30 actions to enforce the FCRA.
In addition to enforcement, the FTC works to educate consumers and businesses about consumer reports, credit scores, and their rights and obligations under the FCRA. Resources for consumers include Disputing Errors on Credit Reports and Your Source for a Truly Free Credit Report? AnnualCreditReport.com. Publications including Credit Reports: What Information Providers Need to Know, are available on the FTC’s Business Center website.
The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC’s online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC’s website provides free information on a variety of consumer topics.
Finally, the FTC has a video for consumers on how to get a free credit report. One can obtain a free report at AnnualCreditReport.com If you receive one of these notices of problems with your credit score, an attorney can help you to read the information in your credit report, file a dispute against a credit-reporting agency if your credit report contains inaccurate information, and if necessary, file a lawsuit to collect compensation for the damages you’ve incurred.
What is Micro Housing?
Posted by stutt   •   Friday, 2014-August-15
Micro housing is a dwelling that measures about 200 to 500 square feet.
These tiny houses are sometimes called micro lofts. Their market can be singles in their 20's and 30's and elders. However, they are not a new phenomenon. History of these micro dwellings dates back to the Middle Ages. In some situations, the unit can be moved and transported by cranes.

Some of the benefits of these micro dwellings are that they can be fun to live in as the cost is low. They also have a small footprint on the earth and are low maintenance.

However, they do have some drawbacks which may include the expense to acquire the land, confined space and parking issues.

California appears to have a state code that is encouraging micro housing. Keep in mind that in your state, both state and local laws must be reviewed to determine if you have met the zoning requirements. In some applications, prefab materials mean lower costs for construction. These units can be environmentally friendly and combat air pollution. In the industry, these are referred to as accessory dwelling units or ADU's.

New urban planners tend to favor ADU's as a way of achieving density, class integration and perhaps age integration. The goals may be affordable housing and the ability to age in place. If you are in the market for such a concept, we recommend that you consult an attorney on the laws and an architect on the design.
Will Contests -II.
Posted by stutt   •   Friday, 2012-December-21
There are multiple ways to challenge a will by a will contest.read more
Will Contests -I
Posted by stutt   •   Friday, 2012-November-30
There are multiple ways to challenge a will by a will contest.read more
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