| Volume 14 Number 10 |
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The People’s Lawyer’s Tip of the Day
As a general rule an employer may not require an employee to take a lie detector test. The employee may be required to submit to a test, however, if the employer is investigating a theft and has a reasonable suspicion that the employee may have been involved.
Credit Education
When you apply for credit, whether for a credit card, a car loan, or a mortgage, lenders want to know what risk they'd take by loaning money to you. FICO scores are the credit scores most lenders use to determine your credit risk. You have three FICO scores, one for each of the three credit bureaus: Experian, TransUnion, and Equifax. Each score is based on information the credit bureau keeps on file about you. As this information changes, your credit scores tend to change as well. Click here for more.
How to Brush Children's Teeth
Start by picking a small toothbrush with soft bristles. Click here for more.
ID Thieves Try to Sell Herman Munster's Credit Card
Did Internet thieves steal Herman Munster's MasterCard number? Crooks in an underground chat room for selling stolen credit card numbers and personal consumer information offered pilfered data purportedly about Herman Munster, the 1960s Frankenstein-like character from The Munsters TV sitcom. Click here for more.
Giving the Bounce to Counterfeit Check Scams
It's your lucky day! You just won a foreign lottery! The letter says so. And the cashier's check to cover the taxes and fees is included. All you have to do to get your winnings is deposit the check and wire the money to the sender to pay the taxes and fees. You're guaranteed that when they get your payment, you'll get your prize. There's just one catch: this is a scam. Click here for more.
Your Money
How can I reduce mortgage insurance costs? Click here for more.
For the Lawyers
Expert testimony not required to establish undue hardship. The 6th Circuit has ruled that a debtor who claimed he suffered from a debilitating illness was not required to introduce expert medical testimony to establish an undue hardship for his Chapter 7 bankruptcy discharge. Click here for more.