NSA Surveillance Should Be a Reminder to Job Seekers that Employers can run Background Checks, says Selection.Com President


Cincinnati, Ohio (PRWEB) June 28, 2013

In the wake of news that NSA surveillance has breached privacy, criminal background check organizations remind job seekers that employers already have access to details to help them stay away from risky hires.

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On June 24, ABC reported on this right here:&#13

http://abcnews.go.com/Blotter/nsa-leaker-edward-snowden-fails-board-flight-moscow/story?id=19470645#.Uc2vwRbJAZM

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As Edward Snowden evades intelligence officers from Hong Kong to Havana, and as civil rights groups raise concerns about the privacy of ordinary citizens, criminal background companies give an critical service for business owners. Details about arrests, credit history, employment history and educational history is available for employers to minimize the danger of bad hires.

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With on-line access, employers are able to confirm Social Safety numbers, run credit checks, search criminal histories and far more. When asked if this kind of access to info is a violation of privacy, Choice.com President, James Boeddeker says no. We aid employers identify risky hires and eradicate that danger. This reduces business loses and closures- its a genuine service to the enterprise neighborhood. Employee theft, operate-location drug abuse, absenteeism- all of these are expenditures that firms can steer clear of by performing background checks. We see companies go out of company all the time when a basic background verify could have protected them.

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Boeddekers claims check out. The American Council for Drug Education reports that a lot more than 70 % of substance abusers hold jobs. Much more alarming is the truth that one in three workers know of drug sales in the workplace. See more information right here.

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Investigation by the U.S. Tiny Business Administration shows that 40% of all new company failures are due to employee theft. Occupational fraud now results in the loss of five % of annual income for every organization. See far more specifics here.

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Finally, the U.S. Bureau of Labor and Statistics reports that absenteeism and tardiness can equal up to 10% of annual payroll. Work-spot absences are greater now than they have been in years. See a lot more specifics right here.

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Boeddeker says that his organization has compiled a database from more than 1,300 sources which includes over 700 million criminal records. Is it legal to shop this data or to share it with others? Boeddeker says yes. We are in full compliance with the Fair Credit Reporting Act. More importantly, we assist our customers comply with the law. In several situations employers do not know whats needed by law.

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The Fair Credit Reporting Act, or FCRA for short, supplies protection of individual citizens and places a burden on employers using this sort of information. Even if civil rights groups wanted to quit the dissemination of this data, its unlikely that all the sources of information would shut down.

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So, whilst the debate rages on about privacy of information among governmental agencies, it seems that criminal background analysis is an critical element of a steady economy.

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Choice.com has been a leading provider of background checks in Cincinnati and across the country for more than 20 years. Thousands of clientele across the country trust them with their organization.

Mortgage Loan Servicing Disaster – Why Homeowners Should Question Loan Servicers

Spring, Texas (PRWEB) August 08, 2012

Millions of property owners continue to struggle with their mortgage loan servicer in their attempts to prevent foreclosure. Even though numerous banks and mortgage loan servicers have been beneath scrutiny related to foreclosure robo-signing scandal, they have been very effective in camouflaging important internal problems from homeowners related to the ownership of the loan, payment applications, loan modifications, force placed insurance coverage, comfort costs, late charges, and credit reporting problems related to the servicing of mortgage loans.

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As a outcome, most homeowners grow to be confused or frustrated with communicating with their mortgage loan servicer in their attempts to preserve homeownership. In order for property owners to be effective in communicating and negotiating, the homeowner should be educated, prepared, and knowledgeable regarding the servicing practices of a mortgage loan servicer.

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Chris Wyatt, a former executive and insider at Goldman Sachs mortgage loan servicer, Litton Loan Servicing, has written a book The Dark and Frustrating World, offered at Amazon.com. The book provides beneficial insider info and guidance to homeowners on what to count on from their mortgage loan servicer. Far more importantly, the book gives homeowners with examples of how to interpret, recognize, and raise essential concerns that may possibly permit homeowners to save thousands of dollars or negotiate more favorable loan modification terms from their mortgage loan servicer.

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Mr. Wyatt is a 20 year veteran in the mortgage industry and founded Wyatt Consulting Services in 2010 for the goal delivering assessment, tips, and specialist witness solutions to property owners and their attorneys on all facets of the mortgage loan servicing industry. He has also written Drinking the Koolade, which gives insight into management choices created by Goldman Sachs throughout some of the most crucial years of the foreclosure crisis and appeared on MSNBC The Dylan Ratigan Show in May possibly 2011.

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Why Struggling Property owners Should or Must Not Cease Paying Their Mortgage: A legal point of view from Laura I. Shidlovitsky, Lawyer at Law

Los Angeles, CA (PRWEB) August 25, 2010

On average, it requires over a single year for a homeowner to be evicted from their property when they quit paying their mortgage, according to a current report by the New York Instances. With close to 25% of home owners owing more than their houses are worth, strategically defaulting might seem like a wonderful way to live rent-free of charge for a year. But, what are the legal ramifications of performing so?

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Defaulting is stressful, but defaulting is not a stroll in the park either. In addition to your credit score taking a nosedive, youll acquire a slew of calls, visits, and correspondence by collection agencies, and in some circumstances, you might even be shunned by your neighbors for getting accountable for a drop in neighborhood housing prices. Shidlovitsky. In particular states, like California, a quick sale on your house may possibly result in taxable state earnings, not to mention possible personal liability charges from the foreclosure proceedings. In other words, you may shed more than just your residence.

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A lot of discussion in the news on strategically defaulting has revolved around the morality of undertaking so. When asked whether or not strategically defaulting was morally acceptable, Attorney Shidlovitsky stated it depends. Whilst, I am by no means, an professional on moral authority, I do believe that strategic defaults are wrong beneath some circumstances. For instance, borrowers who stop paying their mortgage and use those funds for personal products, like pricey dinners or trips to Disneyland, are doing a disservice to the rest of the society. It is not entirely ethical to have your neighbors or the remaining tax payers carry the burden of ones irresponsibility”. If you are a borrower who did not overextend your self in obtaining the mortgage in the first location, and are presently in monetary distress due to anything out of your handle, like unexpectedly losing a job or becoming diagnosed with a critical health-related situation, and need the funds for those costs, then defaulting is a morally acceptable selection.

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Moral or not, what can financially distressed borrowers do? Shidlovitsky, Is that home owners nevertheless have several choices apart from foreclosing and being proactive can actually pay off. As quickly as you experience hardship, get in touch with your lender to explore options, such as FHA refinancing. Attempt to sell your home. If that doesnt work, you can do what is referred to as deed in lieu of foreclosure where you turn your keys in to the lender and walk away. Whilst some of these options might nonetheless influence your credit score, it is not as undesirable as the decline caused by a forced sale. Shidlovitskys other suggestions? Watch out for modification scam artists who charge high fees and assure modification and/or a stay of foreclosure proceedings, and dont make any upfront payments, unless it is to an attorney, for loan modifications.

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Laura I. Shidlovitsky, Esq., owner and founder of the Law Offices of Laura I. Shidlovitsky, is a extremely creative and personable Lawyer at Law who tailors her legal counsel to meet the unique needs of her clientele in all elements of commercial and actual estate transactions and negotiations. She has extensive encounter representing men and women and publicly traded corporations in a assortment of industries, like metals distribution, industrial genuine estate, healthcare, pharmaceuticals, restaurant, media and entertainment, transportation, and consulting. Ms. Shidlovitsky is also an active member in several professional organizations, including the LACBA Business and Corporate and Real House Sections, the ABA Company and Litigation Sections, the National Association of Skilled Females, and the Century City Chamber of Commerce.

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To locate out a lot more about what to think about when facing a foreclosure or to interview Laura I. Shidlovitsky, Esq., please call (310) 684-3843.

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