WOW - February is gone and March is Here!!!

Where did the Month go??? Two posts this year? Not enough! Not Nearly Enough!!

I am reading three books:

Words to Lead By, by Skip Moen

Life Safari, by John P. Strelecky

and Dan Brown's The Lost Symbol.

I recommend Strelecky's book as an intro to Africa. I want to go!

Unfortunately, I have five other books on my desk I need to finish before finding another to start.

Oh and I almost forgot, His Excellency George Washington, by Joseph J. Ellis. Really enjoying this one - great history never taught. My favorite quote of a letter from George Washington to his friend, whom he had just hired to manage his estate:

"As you are now receiving my Money, your time is not your own; and that every day or hour misapplied, is a loss to me, do not therefore under a belief that, as a friendship has long subsisted between us, many things may be overlooked in you . . . I shall consider you in no other light than as a Man who has engaged his time and Service to conduct and manage my Interest . . . and shall seek redress if you do not, just as soon from you as an entire stranger."

Talk about direct!!! I can think of a few people to whom I whould like George Washington to have directed his ire.

When hiring an attorney, you are buying time and talents. "An attorneys time and experience are his stock in trade." The hiring of an attorney is not to be taken lightly.

Real ID Problems

Beginning in 2010, all driver licenses must be matched to identification documents, including passports, Social Security Cards, Birth Certificates, Naturalization papers, etc. This presents a real problem for older drivers and especially married women who did not accurately document their married name.

A client recently appeared at my office with an expired Driver License because the Florida Tag office would not renew her driver license because the name did not match either her Birth Certificate or her Social Security Card. Incidentally, neither of those items had matching names!
Now she is forced to go to court to formally and legally change her name to that which she has used for 51 years since her marriage.

Simple solution if you prepare for the problem; Major Problem if you don't anticipate the solution. Two months ago, she could have changed her name on her driver license to match her Social Security card. Now, since the license is expired, she has to jump through several hoops to get a new license issued, in a name matching her Social Security card.

I am here to help!!! Call Me! 407-645-3297, even just to say, I saw your note!

Happy New Year

Have you misdated anything yet? I have had to change the 0 of 09 to a 10 at least twice a day since the first. Today, I wrote the full 09 twice and had to rewrite the date. Oops. Mistakes happen.





What does your New Year hold? Do you have plans that require extraordinary effort? You should. Challenge yourself this Year!





Remember, I'm Proud of You!





Actually, "I'm Proud of You" is the title of Tim Madigan's book, subtitled, My Friendship with Fred Rogers. You remember Mr. Rogers. He always told his young viewers, "I'm Proud of You!"





Some people thought Mr. Rogers was too simple and did not teach children much. I remember seeing him as a child and learning that heat rises. I can still duplicate the experiment using cold water in an aquarium and hot colored water in a vial placed at the bottom. When the vial is opened the hot colored water rises to the top. Scientist can explain why, but suffice to say the Hot water has more energy.





People, like energy, can rise to the top as well. Let this be a great year by challenging yourself to Rise to the Top.

This picture shows my son receiving an award from the Mayor of Winter Park. I am Proud!

Call me! Aubrey Ducker 407-645-3297

Recommendation from a client

I was proud and thrilled to receive the following:

Recommendation: "I worked with Aubrey this year for the
first time, and found him to be incredibly reliable, timely in his responses,
and able to deal with difficult situations in a compassionate and caring way -
and always with the end result in mind. Working with Aubrey, I realized results
that far exceeded my expectations."
Service Category: Attorney
Year first
hired: 2009
Top Qualities: Great Results, On Time, High Integrity

Financing Available

We extend Credit!!!

Many people ask, in fact today a man asked, "How do you expect me to afford that?"

Our office has a new policy for extended payment plans in some cases.

Balances between $300 and $25,000 can be spread over a year, interest free.

Balances between $1,000 and $25,000 can be spread over 60 months with a lower interest rate than is offered on many credit cards.

I only ask that regular payments be made.

My office in Winter Park, Florida, accepts all major credit cards, cash and most checks.

I represent people in Family Law matters including Divorce, Child Custody, Alimony, Child Support, Paternity, Visitation, Father's Rights, Moving out of state and most other issues that come up in domestic relations court.

I also represent Elders in Elder Law matters including Estate Planning, End of Life Planning, Medicaid Planning and parent child disputes.

When Nothing Goes Right

Some days are just like that. You wake up and forget about working out. Then your breakfast turns out to be much more than you planned. You skip any snacks and have a larger lunch. Working into the afternoon, you become tired but again skip the snacks and when you finally get home you are famished. Munching all evening does not satisfy and you go to bed sad, fat and tired.

Or perhaps the day starts out like any other and out of nowhere disaster strikes. You are sent on a whirlwind trip without any semblance of order, planning or escape. Later you may update your status page with "Worst Day EVER!!!" But is it really?

Too many times we go through life forgetting that the valleys make Mountains more majestic. If no for the turns, roads become endless lines to the horizon.

Take time to remember to say thanks, not just for the blessings in life but also for the curses that remind you Life is Worth Living.

What a Day!!! Domestic Violence is Not Acceptable

Sitting in Domestic Violence Court is NO FUN. For Anyone involved.

The Victim certainly doesn't enjoy it. Neither does the Perpetrator unless particularly masochistic and egotistical.

The Judge involved cringes at the stories told and worries about discerning the truth in the statements made by the petitioner and respondent.

The Attorneys seldom "enjoy" the experience; however, when you can help your client stop being victimized by their spouse or paramour, that is GOOD!!!

Time Waits for No Man

Wow, it has been more than a month since my last post. If only I were having fun, I would understand how the time flew by!!!

If you are anything like me, Every day starts with promise and ends with something left undone.
Now is the time to update that Will.

Make the changes needed to protect your assets to provide for your family if something should happen to you.

Call me. 407-645-3297. Mention this note and save 10 % this month only.

Aubrey
www.aubreylaw.com
or
www.floridaguardianattorney.com

Identity theft again - thanks to the Florida AG

Who Investigates Identity Theft?
If you are a victim of identity theft you should contact your local police department or sheriff's office first to file a report. Under Florida's identity theft law, the report may be filed in the location in which the offense occurred, or, the county in which you reside.

It is important to remember to get a copy of the police report. Very often, the bank, credit card company, or others need proof of the crime in order to erase the debts created by the identity thief.

If you can't get a copy of the report, at least get the report number.

Who prosecutes identity theft?
Identity theft prosecutions are handled either by the State Attorney in the local judicial circuit, or the Office of Statewide Prosecution in the Attorney General's Office. The Office of Statewide Prosecution handles the prosecution of multi-circuit organized crime.

What are some tips regarding how to file a police report?
Provide documentation. Furnish as much documentation as you can to prove your case. Debt collection letters, credit reports, your notarized ID Theft Affidavit, and other evidence of fraudulent activity can help the police file a complete report.

Be persistent. Local authorities may tell you that they can't take a report. Stress the importance of a police report; many creditors require one to resolve your dispute. Also remind them that under their voluntary "Police Report Initiative," credit bureaus will automatically block the fraudulent accounts and bad debts from appearing on your credit report, but only if you can give them a copy of the police report.

Be a motivating force. Ask law enforcement to search the FTC's Consumer Sentinel ID Theft database for other complaints in your community. You may not be the first or only victim of this identity thief. If there is a pattern of cases, local authorities may give your case more consideration.

That's why it's also important for you to file a complaint with the FTC. Law enforcement agencies use complaints filed with the FTC to aggregate cases, spot patterns, and track growth in identity theft. This information can then be used to improve investigations and victim assistance. Click here to access the FTC's online complaint form.

Identity Theft - What to Do If Your Identity is Stolen

With thanks to the Attorney General, I posted his suggestions below. Identity theft is a problem for many more people than you may realize. Many times Identity theft occurs between family members because they may have access to mail, personal information, etc. Regardless of the perpetrator, the effect can be devastating to the victim. Many people lose thousands and thousands of dollars every day to identity theft and other scams.

Source: The Florida Attorney General's Office

Identity theft is a serious problem that affects millions each year. When an imposter uses your name, social security number (SSN), credit card number, or any other form of personal information without your knowledge, it’s a crime.

Unfortunately, sometimes victims remain unaware that their identity has been stolen until they receive monthly statements for credit card accounts they never applied for, credit reports including unfamiliar debts or monthly statements that include unauthorized charges.

If someone has stolen your identity, immediately take these three steps:

• First: Contact the fraud departments of each of the three major credit bureaus. Ask them to flag your file with a fraud alert and include a statement that creditors should ask for permission before opening any new accounts under your name. Ask the credit bureaus for copies of your credit reports. Credit bureaus must give you a free copy of your report if it is inaccurate because of fraud. Review your reports carefully to make sure no additional fraudulent accounts have been opened in your name or unauthorized charges made to your existing accounts. In a few months, order new copies of your reports to verify corrections and changes, and to make sure no new fraudulent activity has occurred. For more information on your rights and the Fair Credit Reporting Act, log on to http://www.ftc.gov/opa/2003/05/fcratest.shtm

Company	Report Fraud	Other Credit Report	Web Site
Equifax	(800) 525-6285	(800)685-1111	http://www.equifax.com/
Experian	(888)397-3742	(888)397-3742	http://www.experian.com/
Trans Union	(800)680-7289	(800)916-8800	http://www.tuc.com/

• Second, contact the creditors for any accounts that have been tampered with or opened fraudulently. Speak with someone in the security or fraud department, and follow up in writing. Following up with a letter is one of the procedures spelled out in the Fair Credit Billing Act for resolving errors on credit billing statements, including charges that you have not made. Sample letters are available in the booklet ID Theft: When Bad Things Happen to Your Good Name .
• Third, Fraudulent Use of Personal identification Information is a violation of Florida law pursuant to §817.568, Florida Statutes (1999). File a report with your local police department or the police in the community where the identity theft took place. Keep a copy just in case creditors need proof of the crime.

Take Control
Although identity thieves can destroy your personal finances, there are some things you can do to take control of the situation.

Some ways to handle the most common forms of identity theft are:

A- If an identity thief has stolen your mail for access to new credit cards, bank and credit card statements, pre-approved credit offers and tax information or falsified change-of-address forms, that person has committed a crime. Report it to your local postal inspector. You may contact the United States Postal Inspection Service online at https://postalinspectors.uspis.gov/

B- If an identity thief has changed the billing address on an existing credit card account, close the account immediately. When you open a new account, ask that a password be used before any inquiries or changes can be made on the account. Avoid using easily available information like your mother’s maiden name, birth date, the last four digits of your SSN or phone number, or a series of consecutive numbers. Avoid the same information and numbers when you create a Personal Identification Number (PIN).

C- If an identity thief has accessed your bank accounts, checking account or ATM card, close the accounts immediately. When you open new accounts, insist on password-only access. If your checks have been stolen or misused, stop payment. If your ATM card has been lost, stolen or otherwise compromised, cancel the card and ask for another with a new PIN. For more information, you may also contact the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency online Office of the Comptroller of the Currency.

D- If an identity thief has established new phone or wireless service in your name and is making unauthorized calls that appear to come from—and are billed to—your cellular phone, or is using your calling card and PIN, contact your service provider immediately to cancel the account and calling card. Obtain new accounts and new PINs..

E- If an identity thief is using your social security number (SSN) when applying for a job, get in touch with the Social Security Administration (SSA) to verify the accuracy of your reported earnings and that your name is reported correctly. Call (800) 772-1213 to check your social security statement. To report SSN fraud online, log on to http://www.ssa.gov/oig/ifyou.htm.

F- If, after trying to resolve the problems brought on by identity theft you continue to experience problems, the SSA may issue you a new SSN at your request. However, consider this option very carefully. A new SSN may not resolve your identity theft problems, and may actually create new problems. For example, a new SSN does not ensure a new credit record because credit bureaus may combine the credit records from your old SSN with those from your new SSN. Even when the old credit information is not associated with your new SSN, the absence of any credit history under your new SSN may make it difficult to obtain credit. Lastly, there is no guarantee that a new SSN would not also be misused by an identity thief.

G- If any identity thief is using your name or SSN to obtain a driver’s license, report it to your Department of Motor Vehicles. Also, if your state uses your SSN as your driver’s license number, ask to substitute another number.

Stay Alert
Taking the steps outlined here should, in most cases, resolve your identity theft problems, but identity theft or related credit problems may reoccur. Stay alert to new instances of identity theft. Notify the company, creditor or agency that is involved immediately and always follow up in writing.

Order a copy of your credit report from the three credit bureaus every year to check on their accuracy and whether they include only those debts and loans you’ve incurred. This could be very important if you’re considering a major purchase, such as a house or car. A credit bureau may charge a fee for a copy of your report.

More resources and information, including an identity theft toolkit, are available online at: http://myfloridalegal.com/identitytheft

FEDERAL TRADE COMMISSION (FTC)
If you’ve been a victim of identity theft, file a complaint with FTC by contacting their Identity Theft Hotline toll-free at, 1-877-IDTHEFT (438-4338); or TDD at 202-326-2502; by mail to the Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue NW, Washington, DC 20580. You may also file a complaint online at https://www.ftccomplaintassistant.gov/

The FTC publishes free brochures on identity theft and many consumer issues. For a complete list of publications, write for Best Sellers, Consumer Response Center, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580; or call toll-free 1-877-FTC-HELP (382-4357), TDD 202-326-2502; or log on to http://www.ftc.gov/bcp/consumer.shtm.