The Court Of Public Opinion

We live in an information-oriented society. Technology allows us to do business and make transactions literally in a matter of seconds. This abundance of information has given rise to a new crime - identity theft. In fact, according to a 2003 release from the Federal Trade Commission, almost 10 million people in the United States may be victimized by identity bandits each year.

So what does that mean? Someone has stolen your credit card your credit card company can help you with that, right? Well, according to the FTC, almost 60% of identity theft issues dont pertain to your existing credit card accounts. Identity theft can occur as a result of new lines of credit being opened in your name either through credit cards or bank loans as well as phone/utility fraud and even employment related fraud. Because we are susceptible through so many avenues in our daily life, we are all at risk.

What can you do? Where would you turn if you found yourself in this situation? Would you know where to start to clear your name? Well, now you dont have to worry about what to do as we have the answer.

As you already know, Pre-Paid Legal Services, Inc. is a pioneer of the legal services industry. With more than 30 years of experience in providing legal rights protection to our members, we have now teamed with Kroll Inc., the worlds leading independent risk consulting company. Kroll is a 30 year old, publicly traded company that provides a broad range of investigative, intelligence, financial, security, and technology services to help clients reduce risks, solve problems, and capitalize on opportunities. Headquartered in New York with more than 60 offices on six continents, Kroll has a multidisciplinary corps of more than 2,200 employees and serves a global clientele of law firms, financial institutions, corporations, nonprofit institutions, government agencies, and individuals. Over the last three years, Kroll has developed a unique solution for victims of identity theft. This new service is now available to Pre-Paid Legal members through the IDENTITY THEFT SHIELD benefit.

What does this benefit provide our members?

The Identity Theft Shield gives you easy access to the resources you need to understand your credit ratings and to fight back if an identity thief threatens your financial standing. This benefit is designed to alert you to suspicious account activity, to restore any resulting damage to your credit history and to reimburse you for covered out-of-pocket expenses you may incur in the process.

1. Credit Report Through Experian

Make sure your financial records are accurate.

Your credit standing is one of your most important financial assets. It not only affects your ability to get credit, it often dictates the interest rate at which you can borrow. It can also affect your ability to purchase insurance or to find employment. Some insurance companies and prospective employers use your credit rating to gauge your sense of responsibility.

Experts recommend you review your credit report regularly. The Identity Theft Shield makes it easy. Members are entitled to an up-to-date credit report from Experian at no additional charge.

Personal Credit Score and Analysis from Experian

Know your credit score . . . and how it affects your ability to borrow.

Your credit score is derived from the information in your credit report. This score is used by lenders to determine your creditworthiness. The higher the number, the better your chance of being approved for the credit you want.

A detailed analysis of your Personal Credit Score will be included with your Credit Report. You can use this analysis to evaluate your current credit standing.

2. Continuous Credit Monitoring Through Experian

Learn of suspicious activity before your credit is ruined.

A professional thief can assume your identity in just a few hours. But it can take years for you to repair your credit standing.

Early detection is key to minimizing the damage caused by thieves who steal you name.

With your Identity Theft Shield membership, your credit files will be monitored through Experian daily. Suspicious activity will be brought to your attention, providing you with early detection. Youll receive prompt notice if any new accounts are opened in your name . . . or if negative notations are added to your credit report.

3. Fraud Restoration Service

Get personal assistance and advice from experts.

Any discrepancy in your credit report should be addressed at once. Call our Customer Services Department at the designated Identity Theft Shield number and explain your concerns. If it is identity theft, our fraud investigators will assist you every step of the way. A Fraud Restoration package with complete and detailed materials, aids, and instructions will be rushed to you.

If you sign a Limited Power of Attorney, you will be entitled to Enhanced Restoration Services. Kroll will work with you to determine the extent of the fraud in your credit and regarding your identity. On your behalf, Kroll will issue fraud alerts to the three major credit repositories, the Federal Trade Commission, the Social Security Administration, and the United States Postal Service. Kroll will work with the bureaus, creditors, and collection agencies to restore your credit accuracy with regard to your identity theft issues. If necessary and reasonable, Kroll will work with law enforcement, the department of motor vehicles, and other organizations to resolve your identity theft issues

If you decline the Limited Power of Attorney, you will receive Basic Consulting Services. Kroll will work with you to determine the extent of the fraud in your credit and regarding your identity. Kroll will provide you with contact information and procedures for the organizations you will need to work with. Kroll will provide sample letters and forms and be available to you through a toll-free phone number for assistance and advice throughout the process of restoring your identity.

Now, it is important to understand any identity theft that occurred prior to the membership enrollment or any situations relating to a business identity are not covered. Identity Restoration will not apply if the identity theft is the result of a dishonest, criminal, malicious, or fraudulent act you, your spouse, or child participated in, directed, or had knowledge of. Restoration services will not be provided for a preexisting, known stolen identity event. You must be an active, paid member to receive restoration services. Plan benefits do not cover financial losses arising from the identity theft.

$25,000 Identity Theft Restoration Reimbursement Benefit Pays your covered out-of-pocket expenses.

The Identity Theft Shield includes up to $25,000 in a fraud restoration reimbursement benefit. This coverage will reimburse you for covered expenses you may incur while working to clear your name. These include:

• lost wages up to $500 per week with a maximum of up to four weeks

• legal defense fees and expenses

• the cost of notarizing affidavits or similar documents, long distance telephone calls, and even postage!

• the cost of re-filing applications for loans, grants, or other credit instruments

Some restrictions of the restoration reimbursement benefit include: Insurance benefits and services provided by member companies of American International Group, Inc. (AIG). The description is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Coverage may not be available in all jurisdictions. Coverage available only if the stolen identity event occurs while you are an Identity Theft Shield member and is reported to us within six months.

Did you know, that on average, victims spend more than 175 hours and $1,500 in out-of-pocket expenses to clear their names. With Pre-Paid Legals IDENTITY THEFT SHIELD, the cost of combating identity theft is much less. For just $9.95/month, IDENTITY THEFT SHIELD members have the added security of knowing they have someone to fight the battle for them. And, the best thing is this monthly fee provides benefits to both you, the member, and your spouse.

Reports on identity theft are everywhere; television, newspapers, magazines, talk shows, etc. Now that you know this benefit is available, doesnt it make sense to have this sort of coverage? Imagine the peace of mind you would have knowing you and your spouse would have access to all of these services if you found yourself to be an identity theft statistic? Contact the person who referred you to this call to sign up for your Identity Theft membership. Dont wait until it is too late - do it today!

For a full list of disclosures and exclusions, please consult the Identity Theft Shield written material provided by Pre-Paid Legal.

About The Author

Mark Freink, Independent Associate for Pre-Paid Legal Services, Inc.

markfreink@prepaidlegal

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Many people hire an attorney without really understanding what this person will do for them. Understanding what they do and do not do is important.

What Your Lawyer Does and Does Not Do

Most people have an image of attorneys based on what they see on the media. Whether the media comes in the form of dramas or talk shows with attorneys spouting off about just about anything, the image is generally incorrect. Simply put, most attorneys are just working stiffs like you and me.

The marching orders for you lawyer are to pursue the best possible result for you in the legal dispute. He or she is legal charged with representing you as enthusiastically as possible. Importantly, their role is not to get a just result. The system is set up so both sides should go nuts with the assumption being that justice will be done. Odd, but true.

It is vital that you understand this is the temperament of your attorney. For many people, legal issues can end up becoming bigger than they realize. For instance, your divorce attorney is charged with carving up your ex-spouse as much as possible to get you as much as possible. In the same vein, an attorney preparing a legal document for you is going to write it in such a way as to favor you as much as possible. If you are looking for a different approach, you must tell your attorney. If you want a fair divorce or an even handed contract, it is on you to tell them.

Another area that gets confused is what I call the ultimate decision. At some point in your legal matter, a major decision is going to have to be made. It could be whether to go to trial, whether to sign a contract and so on. The decision is yours and yours alone. An attorney will explain your options as well as the benefits and negatives of each option. At this point, many clients ask their attorney what they should do. The attorney will not give you an answer because it must be your choice. You are the party involved, not the attorney. Unfortunately, many clients take this as a sign the attorney is not helping them. This is incorrect.

Understanding what your attorney is going to do is vital to getting a result you are comfortable with. Unless you tell them otherwise, your attorney is going to go after the other side as aggressively as possible. If you dont want this approach, you need to speak up at the beginning of the case.

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My mom told me she has a living will. That way she’s going to avoid probate

I can’t tell you how many times I’ve heard this when a new person finds out I was a living trust lawyer.

They go on to say, She got one of those forms at the seniors’ center. You know, the one she can fill out herself. They even witnessed it for her.

I hate it when this comes up, because I have to set the record straight, I have to let the person know that a living will and a living trust are two different instruments that serve two different purposes.

One, the living will, is your statement that If I am terminally ill or mortally injured (I’m using simple language here to get the point across), then don’t hook me up to life support that will never return me to life. It’s the issue that’s currently being fought in Florida, with Governor Bush signing a law to keep a woman alive over her family’s wishes and a court ruling.

Her living will has nothing to do with avoiding probate. It is a health care document. Really it should be called a death desire, but our society can’t handle that bluntness.

A living trust, on the other hand, IS a probate avoiding document.

Basically, probate is used to transfer property you own when you die. If you have a will, your executor uses the probate court to carry out the terms of your will. If you die without a will, the laws of your state has statutes that describe where your property goes and who is in charge of getting it there.

So, if you don’t own any property when you die, then (generally…there are always exceptions) there is no need for probate.

This is where the living trust steps in. It called a living trust because it is created while you are living.

When you create a trust, you transfer title to your property to the trustee of the trust. You, as an individual, no longer own the property.

So, if you die, no probate is needed (remember, there are always exceptions), since YOU don’t own the property. The property is owned by the trustee of the trust. The trust instrument instructs him/her on what to do with the property upon your death.

A living trust is a LOT more complicated to set up and maintain than a living will. They accomplish different tasks.

So, when you hear that a loved one has a living will to avoid probate, it might be smart to ask a few questions.

Good luck and until next time,

Phil Craig

P.S. Feel free to forward this on to any friends.

Phil Craig, All Rights Reserved

Phil Craig is a licensed attorney and entreprenuer. He started practicing law at age 25 in 1979. He does not take on any more clients, but is advisor to some of the biggest names in the internet world. He shares his knowledge gained over the last 25 years at his Living Trust Secrets newsletter site: click here=========>http://www.LivingTrustSecrets.com

** Attn Ezine editors / Site owners ** Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include our resource box as listed above.

If you do use the material please send us a note so we can take a look. Thanks.

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Mesothelioma is a rare form of cancer that affects the sac lining the chest (the pleura), the lining around the heart (the pericardium), or the lining of the abdominal cavity (the peritoneum). Studies have shown that people, who suffer from the disease mesothelioma, were exposed to an abundance of asbestos at one time or another in their life. Unfortunately, many people become exposed to asbestos unknowingly, usually as part of a job. Because of this, someone who has mesothelioma is often entitled to compensation. There are many mesothelioma lawyers, but the following easy tips can make it easier to find a mesothelioma lawyer.

1. Research all you can concerning mesothelioma. The more you understand the disease affecting you or a loved one, the better you will be able to judge a lawyers expertise. A lawyer who understands many aspects about the disease is the ideal lawyer. If your lawyer understands your or your loved ones symptoms, and complications stemming from the disease, he or she will be better able to defend you. Unfortunately, some lawyers do not do their homework in regards to medical cases. This often leads to losing cases. A reputable lawyer will certainly know the ins and outs of the disease, so be sure to ask as many questions as you can think of.

2. Use phone books and Internet search engines to find lawyers. This may seem simple, but some people dont bother taking the time to look through many lawyers. Accepting the first lawyer that calls, or that one sees on TV is not a good idea. Searching in Google for the keyword mesothelioma lawyer will yield better results in the end than simply accepting whatever lawyer comes along. Giving yourself a variety of lawyers to consider will give you the best idea of who will be willing to work hardest for you, who is sincere, and who will most likely help you win your claim.

3. Read the fine print, and know your lawyers case history. Once you are nearing your decision and narrowing down potential candidates, take your research to a new level. It is always a good idea to find out about a lawyers case history. Additionally, it is advisable to know exactly what kind of deal the lawyer is seeking with you. Lawyers dealing with medical-related lawsuits usually do not get paid unless they win the settlement. Some lawyers request different percentages. Compare these requests and choose the lawyer that you would feel most comfortable with.

Unfortunately, some lawyers might try to take advantage of an unknowing client. In order to protect your interests, and make sure you acquire the top-notch lawyer you deserve, do background research on lawyers before signing up.

4. Finally, dont be afraid to take advice. If a friend, or colleague suggests a lawyer, dont hesitate to check it out. If a friend refers you, he or she obviously has your best interests at heart, and so the lawyer is probably well qualified to take on your case. There are many groups out there for mesothelioma patients. If you or a loved one is in one of these groups, dont hesitate to ask for advice from others who have mesothelioma. Advice is often taken for granted, but it is one of the most valuable things a friend can give.

Mesothelioma is an awful disease, but there is compensation. This compensation can either be sought in a wrongful death suit, or while the patient is still living. It is advisable to find a lawyer as quickly as possible because there is often a statute of limitations on filing a lawsuit. The basic idea when searching for a mesothelioma lawyer is to be as educated as possible. Know what you want, and find a lawyer that is willing to help you in any way possible. Being well informed about your disease and potential lawyers will put you on the path to compensation.

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A will is a legal document telling your heirs what they get. An ethical will isnt a legal document, but directs your heirs with stories to hopefully lead them to a better life. Short stories of your life that teach lessons on how and where you got your money. Dont leave a list for them to read. If you have trouble writing, you can record your stories. This works well for children.

Giving all your money and possessions to your kids may be their assumption, but you might want to consider these issues. First, make sure your heirs will have enough money to live on. If you then want to give to a charity, explain your wishes to your kids. Better still, get them involved in the charity so theyll see why you are interested. If they dont, then youll know you made the right decision.

There are a couple if popular types of trusts you can set up for your charitable donation. You can have a Charitable Remainder Trust. This will pay you the interest, and say, after 20 years, the charity gets the rest. Or you can reverse it with a Charitable Lead Trust in which the charity gets the interest income and after 20 years, the kids get the rest. I like this one the best. Gives you control of the final chunk of the nest egg.

I still believe in taking care of your family first, but if there is excess, take care of a charity you believe in. Explaining why in an ethical will, along with other stories about your life will be a keepsake for generations and will out last any real or physical mementos.

Stuart Simpson http://www.attorney-lawyer-information.com/

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Identity Theft is Americas fastest growing type of robbery. There have been an estimated 9.9 million victims on America and over 40% of all consumer complaints in the U.S. involve identity theft. About half of the victims do not know how the thief obtained their personal information. The Boston Globe and Newsweek have both covered Identity theft recently telling us how important it is for us to educate ourselves on preventing and protecting ourselves from this type of robbery. Identity theft can happen anytime, anywhere and to anyone, individuals or businesses. Everyone must be educated and aware so it can be avoided. Michael Blanchard, US Postal Inspector says postal money orders and business or certified checks are one way you can be at risk. Most identity theft involves the U.S. Mail which is why the U.S. Postal Inspection Service is a lead agency in investigating Identity Theft. Identity Theft is a criminal offense.

Some scams are internet related, you go into a chat room and chat with people there, someone approaches you as a friend, or about an auction. You become comfortable with these people you are chatting with and start a friendship. The person who has befriended you may tell you such things as, I am in the Peace Corp, and I have a money order that I cant cash where I am, which is Lagos or Nigeria. They might ask you if they send you the money order, if you will cash it and send them the money. This is a scam. The money order you receive can be fraudulent, once you cash and send the money you are out this money once the bank realizes the money order was no good.

Another scenario might be if you sell items at online auctions. Someone may email you about your item that is for sale. They will tell you they want to purchase your item, and they are in Nigeria so they will send you extra money to pay for a shipper to send the item to them. They will send you a counterfeit money order or check and ask you to cash the check and wire the extra money to them so they can pay the shippers to ship your item. They may even ask you to go to a bank to cash the money order rather than the post office. The reason for this is that the post office has a machine that can tell if the money order is fake, and they have much more experience with money orders than banks. Many of these types of scams originate in Nigeria, London and Toronto. If you are aware of this, you can prevent this from happening to you. Most thieves still obtain personal information through traditional rather than electronic channels. In the cases where the method was known, 68.2% of information was obtained off-line versus only 11.6% obtained online.

If you receive a fraudulent money order and take it to a bank, rather than the post office, a bank can take a month or more before they notify you that the money order is fake. If this happens, you are then responsible for the funds. If you do get caught up in this situation, take your money order to a post office rather than a bank, it is not guaranteeing you will not be taken but it lowers your chances.

How can you tell if a money order is fraudulent? Fake money orders do not have a water mark. Hold up the money order to the window or light, can you see the portrait, on the left side? This portrait needs to be backlit by light to be seen and cannot be mimicked. Some producers of fake money orders try to use fake pictures as a water mark; you will be able to tell if you hold it to the light. These money orders are generally printed in Nigeria, they use the same offset press we use to print real money orders, so check your money orders! You can also check for type size, color and fonts. Another step you can take is to call or go online to the Post office and give them the serial number off of the money order; they can tell if it is real. If you receive a counterfeit money order, you will want to give it to the post office or police. Possession of a counterfeit item is a felony.

Other scams include receiving an email or letter stating you have won a lottery, or a prize notification. Some letters or announcements will arrive with a counterfeit check and you pay a processing fee to get the prize. These checks are counterfeit; never send money to anyone who is asking for money from you in order to give you money, whether it is disguised as a prize or lottery. Any prize that requires you to pay anything is no prize.

How do these people get my name? If you have a credit card, your name is sold to third parties, if you do not want this to happen, you must contact your credit card companies to inform them that you do not want your information sold. Check the privacy notice that comes with your bill. If you enter contests, your information becomes public. Also, when you buy a new product, and fill out the warranty cards, those companies sell that information you provide to other companies. Since when does your toaster manufacturer need to know you households annual income to extend a warranty on your toaster? Thieves use dumpster digging, phishing, and pharming to obtain your information. Things they steal from your trash include:

Pre-approved credit card offers they complete them and have the card sent to them at a different address

Loan applications- they complete the application and have the money sent to a phony address.

Bank statements- they then have your bank account number and can print counterfeit checks

Becky Palmer, a Consumer Credit Counselor, knew of someone who had their wallet stolen, and they used the credit card to buy a $5000.00 gift card at Wal mart, this then become very hard to trace.

People that are more at risk are senior citizens, people with disabilities and immigrants, but remember that everyone, including children are at risk. Senior citizens are home all day; they might get a phone call from a fake charity asking for money. Immigrants are desperate for credit, they may have just arrived in the US and know they need credit to do anything and are not aware of these scams. People with disabilities are home, and may become a victim of phone or online fraud. There have also been cases of home care providers taking advantage of their clients. Remember, it is not always a stranger that can steal someones identity. Did you know children can be victims of identity theft? This could affect or ruin their credit before they even are able to build up credit for themselves. There have been cases of parents using a childs name for their electric bill or phone bill when they have bad credit or owe the utility company money. Thieves will obtain the social security number of these children then use that number to get credit cards and rack up purchases.

Some of these scammers will call you and say they are from a fictitious charity. They will offer to have your contribution automatically deducted from your checking account and will ask for your routing number, bank name, and account number. DO NOT GIVE OUT THIS INFORMATION! If you pick up a call from a telemarketer, ask them the following questions and if they are a fraud, they will hang up quickly.

Who do you work for? They will try to give you the name of the fake charity here, so ask them who pays your salary?

How much of my donation (percentage) goes to this charity and what is the rest of the money used for? If they are for real, they can easily give you this information.

What is the charitys full name, address and phone number?

Once you have the above information you can check with the state attorney generals office or secretary of state to see if the charity is registered. Also check the charitys rating thru the Better Business Bureau at www.give.org.

How can I prevent Identity theft from happening to me? Never leave your receipt or slip in the ATM or gas pump. Pay attention to your habits, lock up or organize and file your bills, and bank statements. Shred them using a cross shredder before throwing them away.

In a recent article in MSN Money their research showed that 32% of people said they had been a victim of identity fraud by a friend or family, and 13% were victimized by a co-worker. Beware! These people know your patterns and habits.

Some steps you can take to avoid becoming a victim of Identity theft are:

Get a copy of your credit report from all three credit bureaus. (FREE as of 9/1/05!)

Experien, PO Box 2002, Allen TX 75013 www.experian.com 888-397-3742

Equifax, PO Box 740241, Atlanta, GA 30348 www.equifax.com 800-685-1111

Trans Union, PO Box 4000, Chester, PA 19016 www.transunion.com 866-887-2673

Opt out of mailing lists by contacting the credit bureaus above.

Opt out by reading the privacy notice that comes with your credit card and following the instructions.

Call the national Do Not Call Registry at 1-888-382-1222 or visit www.donotcall.gov be sure to call from the number you want to register

Do not carry your Social Security Card in your wallet

Do not print your Social security number on your checks

Do not get your social security number printed on your drivers license

Do not carry your medicade card with you, Medicade #s are your Social security number

Delete any emails from Nigeria, or lottery or prize notifications before opening

Stop credit card offers 888-5-OPT-OUT

Remove your name from national mailing lists by visiting www.the-dma.org or write to:

Mail Preference Service
PO Box 643
Carmel, NY 10512

Install firewall and virus protection software on your computer

Password protect your computer and private personal files

Format your hard drive or physically destroy when disposing of your old computer

When you order new checks, get your first initial printed on them instead of your first name

Use a cross shredder to shred your bills and bank statements or any junk mail

Bring your mail to the post office or secure mail box rather than leaving it in a rural box.

Use only one designated credit card for online purchases

Be sure all online purchases are made through a secure server notice the lock icon and how the URL address changes from http to https. The S means SECURE.

Do not carry your PIN # in your wallet

Do not use your date of birth as a password or PIN.

Do not give out personal or financial information over the phone.

Grind up or shred back up CDs you are throwing away.

Check your online banking account at least 3 times a week and change your password often.

There is a new bill that is being passes, it is a very weak bill but if passed, it will prohibit using a social security number for identification purposes. This bill should take affect in 2006.

If you feel you have been a victim of identity fraud, contact the Department of Justice, consumer protection division. They offer mediation with identity theft; they also have a hot line for consumers that is available 8-5 Monday Friday. They maintain a database of written complaints that goes back to 1998. They offer seminars to school, seniors or your group.

Be aware that 40 million crooks obtained credit card numbers this past year, Be Suspicious. Also be aware that most identify theft is not reported, especially when it involves family members, so the statistics are off. These statistics show that consumers lost $5 billion last year when in actuality it is closer to $50 billion. There have been an estimated 9.9 million victims in America.

What can I do if I am already a victim of ID theft?

Contact the fraud departments of the three major credit bureaus, to place a fraud alert on your credit file.

Close all accounts that have been affected and request copies of fraud-dispute forms and complete and return immediately. Keep copies!

File a police report in each jurisdiction the theft occurred

Send copies of the report to your creditors or anyone that requires proof of the crime

File a complaint with the FTC (800-IDTHEFT or www.consumer.gov/idtheft) and Post Office

Contact the Identity Theft Resource center at 858-693-7935 or www.idtheftcenter.org

Request a new drivers license from the state of motor vehicles and have a fraud report attached to your driving record.

Notify check-verification firms about any fraudulent checks:

International check service 800-526-5380
Telecheck 800-927-0755
Certegy Check Services 800-437-5120

Call 1-888-CALL-FCC and file a complaint.

Change your passwords and PIN immediately.

What is Phishing?

If you get an email or letter or form that looks like it came from your bank, credit card company, the IRS, online auction or bill pay service asking you to verify information so they can update their records, verify this with your bank or credit card company. Never click on the link in an email; it will take you to a fraudulent website that is disguised to look like the companies. If you call to verify and your bank or credit card company wants this information, give it to them over the phone, if you initiated the call and are sure it is the correct number, or stop by in person if possible.

Warning signs you can look for to identify Scams

If someone tells you: Poor or no credit No problem!
Offers you a Bargain loan
Rushes you through signing up for anything
Wants you to pay a fee
If a salesman comes to your door and says I was just in the neighborhood

Remember, if it sounds too good to be true, it is!

Michelle Dunn has over 17 years experience in credit and debt collection. She is the founder of Never Dunn Publishing, LLC, is a writer, consultant and the Editorial Advisor for Eli Financial Debt Collection Compliance Alert Newsletter. Michelle started M.A.D. Collection Agency and ran is successfully for 7 years. She owns and runs Credit & Collections.com a free online community for credit and business professionals.

She has written 5 books in her Collecting Money Series. For more information on Michelles services or to order any of her books please email her at michelle@michelledunn.com or visit http://www.michelledunn.com & http://www.credit-and-collections.com

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