Private Detective Radio!

Jeffrey-Peter Hauck will be on the air hosting the program "Private Detective Live!"

Set your Internet browser to and listen in at: http://www.blogtalkradio.com/private-eye.

Air date of February 27th, 2009 at 3:00 PM EST.

Segment Title: The Pro Se Litigant: Representing Oneself in the Legal Realm.

Description: Many people need legal services and when they cannot afford to pay for a qualified attorney they choose to represent themselves. They are known as pro se litigants and represent a growing trend.

Special Guest: Lorelei Broskey, MLS

Guests Callers Please Dial: (646)-915-9249.

Know Your Rights With Regard to Free Credit Reports.

The Office of Jeffrey-Peter Hauck, JD

Licensed Private Detective

Post Office Box 142
Macungie, PA 18062

Website: http://private-eye.homestead.com

Phone: 610-928-3222

Fax: 610-928-3098

E-Mail: Privatei4u@msn.com

Office Hours:

Available for contact at ALL times. Please call.

Report (infra) reprinted from the Federal Trade Commission website.

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How To Access Your Free Credit Reports

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Here are the details about your rights under the FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free annual credit report program.

Q: How do I order my free report?

A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.

A Warning About “Imposter” Websites

Only one website is authorized to fill orders for the free annual credit report you are entitled to under law — annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.

Some “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.

Annualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. It’s probably a scam. Forward any such email to the FTC at spam@uce.gov.

Q: What information do I need to provide to get my free report?

A: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.

Q: Why do I want a copy of my credit report?

A: Your credit report has information that affects whether you can get a loan — and how much you will have to pay to borrow money. You want a copy of your credit report to:

• make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
• help guard against identity theft. That’s when someone uses your personal information — like your name, your Social Security number, or your credit card number — to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.

Q: How long does it take to get my report after I order it?

A: If you request your report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.

Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide consumer reporting company needs more information to verify your identity.

There also may be times when the nationwide consumer reporting companies receive a high volume of requests for credit reports. If that happens, you may be asked to re-submit your request. Or, you may be told that your report will be mailed to you sometime after 15 days from your request. If either of these events occurs, the nationwide consumer reporting companies will let you know.

Q: Are there any other situations where I might be eligible for a free report?

A: Under federal law, you’re entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft. Otherwise, a consumer reporting company may charge you up to $10.50 for another copy of your report within a
12-month period.

To buy a copy of your report, contact:

• Equifax:1-800-685-1111; equifax.com
• Experian: 1-888-397-3742; experian.com
• TransUnion: 1-800-916-8800; transunion.com

Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports.

Q: Should I order a report from each of the three nationwide consumer reporting companies?

A: It’s up to you. Because nationwide consumer reporting companies get their information from different sources, the information in your report from one company may not reflect all, or the same, information in your reports from the other two companies. That’s not to say that the information in any of your reports is necessarily inaccurate; it just may be different.

Q: Should I order my reports from all three of the nationwide consumer reporting companies at the same time?

A: You may order one, two, or all three reports at the same time, or you may stagger your requests. It’s your choice. Some financial advisors say staggering your requests during a 12-month period may be a good way to keep an eye on the accuracy and completeness of the information in your reports.

Q: What if I find errors — either inaccuracies or incomplete information — in my credit report?

A: Under the FCRA, both the consumer report­ing company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the consumer reporting company and the information provider.

1. Tell the consumer reporting company, in writing, what information you think is inaccurate.

Consumer reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.

When the investigation is complete, the consumer reporting company must give you the written results and a free copy of your report if the dispute results in a change. (This free report does not count as your annual free report under the FACT Act.) If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider.

2. Tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct — that is, if the information is found to be inaccurate — the information provider may not report it again.

Q: What can I do if the consumer reporting company or information provider won’t correct the information I dispute?

A: If an investigation doesn’t resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your state­ment to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.

If you tell the information provider that you dispute an item, a notice of your dispute must be included any time the information provider reports the item to a consumer reporting company.

Q: How long can a consumer reporting company report negative information?

A: A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. There is no time limit on reporting information about crimi­nal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance. Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, which­ever is longer.

Q: Can anyone else can get a copy of my credit report?

A: The FCRA specifies who can access your credit report. Creditors, insurers, employers, and other businesses that use the information in your report to evaluate your applications for credit, insurance, em­ployment, or renting a home are among those that have a legal right to access your report.

Q: Can my employer get my credit report?

A: Your employer can get a copy of your credit report only if you agree. A consumer reporting company may not provide information about you to your employer, or to a prospective employer, without your written consent.

For More Information

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To learn more about credit issues and protecting your personal information, visit ftc.gov/credit.

To file a complaint or to get free information on other consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

If You Are A Victim of Identity Theft...

If you are a victim of identity theft or anytime that you suspect fraud you should place a fraud alert with all three credit reporting agencies. They will place a 90-day alert on your account, which can be extended. They will also send you a copy of your report to be sure there aren't any other problems. These are the contact numbers to report fraud:

Equifax: 1-800-525-6285.

Experian: 1-888-397-3742.

TransUnion: 1-800-680-7289.

You can never err by being too cautious. It is better to report a possible fraud attempt and be wrong, than not to report one and allow the problem to grow and fester causing greater future problems.

Scared? Threatened? Police or Attorney Can't or Won't Help? Call Us Today!

The Office of Jeffrey-Peter Hauck, Private Detective, with an office in Macungie, serves the entire Commonwealth of Pennsylvania.

We are sensitive and responsive to the particular needs of our individual clients, whether they are individual, legal, or corporate.

We are experienced and here to help you. Contact our office for a free consultation at tel: 610-928-3222.

Website: www.private-eye.homestead.com

Fax: 610-928-3098
E-mail: privatei4u@msn.com

PRIVATE DETECTIVE SURVEILLANCE & WORKERS' COMPENSATION SERVING THE LEHIGH VALLEY AND ALL OF PENNSYLVANIA !

The Office of Jeffrey-Peter Hauck proudly serves The Lehigh Valley community and the Commonwealth of Pennsylvania at large, as well as select international customers offering the finest in private detective, risk assessment and management and investigation services. Our unparalleled service, competitive prices, and overall value are why our customers keep returning. We look forward to your patronage.

The Office of Jeffrey-Peter Hauck is a Pennsylvania licensed private detective agency. The agency is bonded and insured, and serves individuals, government, business, and the legal profession statewide and internationally.

Our office is located in the eastern portion of the Commonwealth in Macungie. It is a full service agency that provides investigations, pre-employment background profiles, forensic data retrieval, physical security surveys, employee termination assistance, electronic countermeasures, and more.

Our office has assisted private citizens, law offices, & businesses with investigations, witness statements & interviews, persons locate services, photographic evidence, fire origin and cause determination, death investigations, police report reviews, trademark infringements issues, and the service of process.

We believe that your satisfaction should be guaranteed. Call us for a free consultation at Tel: 610-928-3222.

Our motto is "Cerca Trova," Latin for "seek and you shall find!"

The Office of Jeffrey-Peter Hauck, JD

Private Detective

Post Office Box 142
Macungie, PA 18062

Phone: 610-928-3222

Fax: 610-928-3098

E-Mail: Privatei4u@msn.com
Website: www.private-eye.homestead.com

Available for contact at ALL times. Please call.

The Roles of the Private Detective are Expanding.

Cyberstalking Arrest

By Holly Wagner, WINK News

Story Created: Jan 8, 2008 at 5:42 PM EDT

Story Updated: Jan 9, 2008 at 6:24 AM EDT

FORT MYERS, Fla. - Teens using the Internet are being policed by more than just police. A private investigating firm working across the country helped the Lee County Sheriff's Office make an arrest here in Southwest Florida.

The private investigators are out of California and Detective Chris Shoap says they were on MySpace working on another case.

Detective Shoap says they found the page of a Southwest Florida teen who deputies say made some very serious threats. A page put together by a teen that goes by the user name, Bloody Bon3. A teen who is now charged with cyberstalking for using MySpace to threaten other people.

"I'm so glad the private investigators found it and let us know about it," says Detective Shoap.

Shoap says the messages are gang related. Because of the tip, The sheriff's office was able to interrupt a brawl scheduled to go down at a public library in Lehigh Acres.

"His intentions were definitely to make good on his threats, no doubt in my mind" said Shoap. Detective Shoap won't elaborate on the threats made other than to say the teen wanted to fight.

We went and tracked the teen down, we're not identifying the teen because he's underage but he says he was simply retaliating.

"I don't stalk people." the teen said. "They told me they were going to kill my mom, I told them to come see me."

The teen claims he asked the people in so many words (some derogatory words) to come and see him at the library.

"He didn't show, I got arrested." says the teen. Now he's facing cyberstalking charges.

Detective Shoap says this investigation isn't over. He says they're working on more leads in the case. Detective Shoap says all of the teens involved have been in trouble with the law before.

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Clearly the roles of the Private Detective are expanding. In society where law enforcement budgets are held static the Private Detective is being employed to produce results. Call today to see why you should consult with a Licensed Private Detective in the Philadelphia, Metro, Mainline, and Lehigh Valley, Pennsylvania areas.

The Office of Jeffrey-Peter Hauck, JD
Private Detective

Post Office Box 142
Macungie, PA 18062

Tel: 610-928-3222
Fax: 610-928-3098

E-mail: privatei4u@msn.com
Website: http://private-eye.homestead.com

NEW WEBSITE: http://private-eye.homestead.com

The Office of Jeffrey-Peter Hauck, Private Detective has just launched an updated website after a professional consultation. Our agency was looking for a website design that was simple to navigate and which provided the necessary information in a clear and understandable manner to potential clients. We think the new format is aesthetically pleasing and should serve our needs well.

Please visit our website at: http://private-eye.homestead.com for more information.

Remember, when you need the proper information to make an informed decision, contact the Office of Jeffrey-Peter Hauck, Private Detective. Sometimes you need an advocate who works for you and represents your interests alone! Call for a free consultation.

The Office of Jeffrey-Peter Hauck
Private Detective
Post Office Box 142
Macungie, PA 18062

Tel: 610-928-3222
Fax: 610-928-3098
E-mail: privatei4u@msn.com


Serving the Lehigh Valley and all of Pennsylvania. International clients are welcomed.