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Consumer fraud series: Phishing

Last week, we talked about a type of consumer fraud known as identity theft. We discovered how it can happen and what signs to be aware of. This week, we are going to focus on a second type of consumer fraud known as phishing.

Phishing is a practice used by scam artists to coerce a party into giving out personal information that could then be used for fraudulent purposes. Most phishing is done via the internet by online hackers. An individual looking to commit fraud may email or send an instant message to a party alleging that there is a problem with an account that requires confirmation of personal information to access. Some parties even receive messages stating that they have unclaimed money or a refund waiting. Phishers may ask for a name, date of birth, address, Social Security number, password or even account numbers.

Consumer fraud series: Identity theft

Unassuming parties become victims of consumer fraud every day, all across the nation. Over the next few weeks, we will identify five of the most common types of consumer fraud, as well as discuss how they happen and what you can do to protect against them.

The first, and likely most common type of consumer fraud, is identity theft. In this crime, someone steals your personal information, including name, address, Social Security number, checking account number, or debit or credit card numbers. That person then uses your information to do any number of things. Those can include, but are not limited to, purchasing items using your account, applying for credit card accounts in your name, portraying themselves as you to commit insurance fraud, using your Social Security number to obtain a job, or applying for state or government benefits in your name with a different address. Again, this is only a short list of things that can occur. According to the Federal Trade Commission, as many as 9 million Americans have their identities stolen each year.

Truckers express concern towards other drivers

Safety should remain top priority for any vehicle on the road. Whether you are steering a car or motorcycle, all drivers have a responsibility to approach the road carefully to avoid potential accidents and fatalities.

The roads can be especially dangerous for truckers. The Bureau of Labor Statistics states that the accidents with the most fatal occupational injuries and fatalities in Alabama were transportation incidents. Truck drivers made up the majority of transportation industry fatalities.

Marengo County DHR to educate public on elder abuse

On Thursday, June 21, 2018, Marengo County DHR held an Elder Abuse and Awareness Health Fair at Linden Baptist Church in an attempt to educate the public on how to identify and prevent elder abuse. According to an article published June 20, 2018 in The Demopolis Times, elder abuse cases are frequently reported to Marengo County DHR. These can contain allegations of sexual misconduct, emotional or psychological abuse, financial exploitation, medical neglect, and housing negligence.

Elder abuse is on the rise, and many times can occur in a nursing home setting. In such a case, claims may be referred to as nursing home abuse, with the caretakers who are employed by the facility being the abusers. Dementia and Alzheimer's patients are particularly susceptible to these crimes, as their medical conditions tend to cause memory loss, often making any allegations difficult to prove.

Woman dies in car accident

Summertime means weekend trips and lots of sunshine and fun. Unfortunately, this summer was cut short for an Alabama woman when she was the victim in a two-vehicle crash recently. Car accidents happen every day and while they do not always result in fatalities, this crash was the exception. Reportedly, the woman and her husband were on their way to a church retreat at the time of the car accident.

According to reports, the woman's vehicle was traveling on U.S. 431 near the intersection of Highway 36 when the collision occurred near noon. Traveling in a smaller vehicle, a Honda Civic, the vehicle collided with a large truck, a Dodge Ram, that was pulling a boat. The driver, the woman's husband, suffered broken bones but is expected to recover. Details as to how the vehicles collided is currently being investigated and has not yet been determined.

Collect for the impact negligence and personal injury has had

When people suffer trauma, they often view their life in two parts: before the accident and after. Life can be drastically different after suffering an injury. It can affect every facet of a person's life, including health, work and everything in between. This is why personal injury claims exist, to recover compensation when an injury is caused by another's negligence.

Personal injury incidents happen every single day. Whether involved in a car wreck, an accident at work or some other incident that caused irreparable harm, these instances are often attributable to another's negligence. Negligence is something that happens when 'but for' another person's actions, the injury would not have manifested. People owe each other a duty to be careful and mindful of their actions, and businesses often owe people even more than that.

How would one file a complaint against a bank?

Banks are an American institution, dating back to our earliest history. Then and now, we need a place to keep our money and sensitive information private and protected. While many banks do a great job of this, sometimes, a bank might not be upholding its responsibility to consumers. When this happens, one may want to file a complaint against a bank.

This complaint could be on a variety of different topics, but the main component of filing this type of complaint is that it alleges some level of consumer fraud. Certain larger banks have been accused recently of consumer fraud. A consumer has the right to file a complaint if you believe that a bank has been unfair or deceptive in its dealings with you or has violated a law or regulation.

Alcohol: the scourge of motorcyclist-related deaths

Compared with other drivers involved in fatal motor vehicle accidents, motorcyclists have the highest percentage of being drunk. That’s right. People who drink and drive must learn that their actions may lead to tragedy. Motorcyclists, especially, need to remember this and to please take better precautions.

The National Highway Traffic Safety Administration continues to compile statistics that are eye-opening, alarming and tragic. Sadly, alcohol continues to play a factor in the motorcycle-related accidents, injuries and deaths reported nationwide.

Alabama accuses cryptocurrency firms of securities fraud

With cryptocurrency transactions hitting an all-time high in recent months, it's inevitable that we would also see some instances of fraud. Such is the nature of financial booms and regulations, there is a check and balance that often happens between new business and government regulations. Alabama, along with several other states, have sent cease and desist letters to five cryptocurrency companies suspected of violating securities fraud laws, as part of a wider crackdown known as "Operation Crypto-Sweep."

The intent behind this action by the Alabama Security Commission is to protect consumers from instances of fraud. While the ASC only holds jurisdiction in Alabama, three of the cease and desist letters went to Los Angeles based firms, who were accused of promoting ICOs and cryptocurrency schemes within the state. These actions come as the latest wave of enforcement action from financial regulators that are keen to clean up the cryptocurrency and ICO space.

Defective medical devices and personal injury action

When our health is not the greatest, we seek medical interventions to better our condition. For some, that means obtaining medication, going through a treatment course or even having surgery. Depending on the condition, it might be necessary for a patient to have a medical device planted in their body. While this is a very effective way to address some conditions, it is also one that poses some risks. If a medical device is not working properly or malfunctions, this could put the patient's health at risk.

The Food, Drug and Cosmetic Act regulates medical devices by designating the FDA's Center for Devices and Radiological Health or CDRH to oversee this. Medical devices can come in many shapes and sizes and are used for a wide variety of reasons. It can be an apparatus, machine, implant or other similar articles that are intended for the purpose of treating or preventing disease.

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