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Many people who purchase a house have great stories to tell about their experiences with sellers. However, there are those few who have reported fraud and crooked scams.

Recognizing Scams

Many fraud or scams involve the following:

Proposed transaction involves the prospective buyer making a large down payment or deposit directly to the sales "agent"
Proposed sales agent claims that they can approve your home loan if you put down a large deposit
Proposed transaction involves fraudulent advertising

Types of Scams

Manufactured Homes and Deposits
Potential buyers respond to an advertisement offering a manufactured home for sale. Seller claims to work for a mortgage company or bank and can approve a home loan for you with little or no problems. The seller then asks the buyer to put down a large down payment. Once the payment is made, the seller runs off never to be seen again.
Mortgage Payments
Potential buyers respond to an advertisement to buy a house. A sales representative contacts you and gets a large deposit and approves you for a loan. You move into your new house and begin making payments to the sales representative who has not been forwarding your payments to the mortgage company or bank. Instead, the sales representative keeps the money, and the real mortgage company calls to inform you that you are in arrears in your mortgage payments.

If you believe you are a victim of this fraud, call your state's attorney general's office of consumer protection.

You have rights as a homeowner to do what it takes to keep the home you felt you legitimately purchased.

There are many forms of fraud going on nowadays. It is up to you to educate yourself on what is or is not legitimate. Hopefully, our advice will minimize your chances of becoming a victim of the crime of theft by deception.

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Where can i get a security camera system thats not expensive but effective?

i want to install security cameras around my house does anyone know a good system that has a minimum of 4 cameras and is effective especially in bad weather.

Its going to be hard to find an effective security camera system that's not expensive. However, you can find one that is affordable and inexpensive for a camera system. I've included a link to a store I've used in the past. They'll help you determine what cameras you need and they do have a low price guarantee, so they're probably worth looking into. Good luck.

Care Surveillance Spy

PrivateInvestigatorLine — Wed, 08 Jul 2009 16:50:26 +0000

Swann S231-SCK Wireless Safety Security Camera Kit

List Price: ~~$119.99~~
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RCA530A Real-Time Four Channel Wireless Receiver

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SecuVox Motion Detection Clock Camera With Cycling Recording and Battery Power Backup with Real Time Stamp, Silver / Black

List Price: ~~$179.95~~
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4GB HD 2.0MP Water Proof Watch Camera , Watch DVR , Hidden Camera Support Low lllumination,PC Camera

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PC Wireless 4 Camera DVR Security Surveillance System

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Spy Gear Spy Video TRAKR

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Wild Planet Spy Video Car

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Believe it or not hospices are the one place where you would least likely think that health care providers would bilk the patients and their family members.

Do you have faith in health care professionals? Have you ever thought that the physician or nurse providing health care to you would take an unfair advantage of your situation? What about workers in a hospice?

Not only does fraud occur in a hospice, but it also happens in HMO's, clinics, nursing homes, and hospitals. Everybody seems to be getting their fair slice of the pie.

In a hospice, many patients and their family members are not cognizant of the fraud taking place. The employees at the facility can be in a state of denial of all the crooked ways going on. If they choose to ignore the mistreatment of the patients, they are just as guilty of abuse as those who commit Medicare fraud.

Examples of Hospice Medicare Fraud

Management at a hospice dictates the total amount of care for in-home health care of patients facing imminent death. They have the power to minimize staff providing such care so that the patient gets a substandard level of care for their condition. This tactic is done to coerce the family to put the patient in a hospice where the cost of health care will skyrocket over home care.

Hospices are notorious for using less than qualified employees to administer care to their patients. Licensed Practical Nurses (LPN's) perform the same jobs that Registered Nurses (RN's) should be performing. An RN supervises an LPN just about anywhere across the nation. If there is not enough supervision, the level of care to the patient is less than average. If the hospice chooses to reduce the number of RN's on their staff in order to save some money, it is the patient who suffers.

The hospice really wants to service the patient under their roof so that they can bill Medicare, Medicaid, or private insurance at a higher rate for nonstop care, which they are not providing. Many people are not aware of all of the rules and regulations governing Medicaid and Medicare, and it is simple for crooked health care providers to send out private bills to the family members who are falsely informed that a particular procedure or drug was only partly covered or not covered at all. Then they will subsequently bill the federal government and the state. Even if they were paid in full, the average Joe will not fully comprehend the billing or what services were performed.

How to Determine if Hospice Fraud is Occurring

Federal law determines the requirements of the level of care that a patients gets. Read up on all the patients' rights for both hospice and in-home care. Do not allow a substandard level of care determine when your loved one should be moved into a more expensive facility if it is obvious that you are being coerced into making this decision. This should be a red flag for you.

Make sure that your family member is comfortable and receiving adequate pain medication and that the staff is responsive to your family member's needs. Do not be afraid to voice out your opinion to the RN or person in charge when demanding a higher level of care for your relative. If you feel that your relative is not getting proper care, report your concerns to the state board that licenses and monitors hospices and medical facilities.

There are lots of consumer fraud schemes out there. It is up to you, the patient, to educate yourself to recognize what is and is not legitimate. Hopefully our advice will help you minimize becoming a victim to the crime of Medicare, Medicaid or insurance fraud.

Surveillance in own home?

I just got into foster care and being faced with allegations. So I just wanted to know if whether or not it is illegal to have audio and video surveillance in my home. Not to spy but to justify what is going on in my own home. I understand that it is illegal to have video in places such as the bedroom and bathroom. But is it illegal to have audio of the child in such places. And would they have to be aware of the audio recording in order not to be sued by parents.

P.s I live in Arizona

You have rights and if it is YOUR home, you can use the surveillance equipment.

However, you wont be able to use it in court unless the other parties are aware the camera is taping them.