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If You Were My Attorney

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What Are Check Scam opportunities?

Fraudulent companies will send out phony job positions such as “Accounts Receivable Clerk,” “Finance Manager,” or “Mystery Shopper.”

These fake job offers are commonly delivered through email and usually claim to have come through online Job Boards or include forged legitimate business names in order to make the messages appear credible.

The phony job offers describe a position where you are to collect funds from the fraudulent company’s “clients” and then transfer money back into their or another agent’s bank account. This may be conducted through Wire Transfer, Check, or even direct ACH transactions.

The fraudulent company will usually mail the Job Seeker a fake check (it might be a Cashiers, Money Order or Travelers Check) and also provide instructions on how to cash the checks and where to transfer the money. (Other variations of the scam instruct the Job Seeker to accept a direct ACH transfer of funds or to accept a Wire Transfer.

Some scams will use online payment services instead of bank accounts). The “employer’s” instructions will request to have the funds deposited into a bank account under the Job Seeker’s name. The Job Seeker is told to keep a small percentage of the money as commission. The bank wires the funds immediately and, a few days later, will discover that the original check from the “employer” is fraudulent.

By the time the check is identified as fraudulent, the scammer already has their money and the “employee” is left with a negative or frozen bank account. The bank holds the person on the account liable for the funds and, in certain cases, will seek legal action. As this is considered illegal activity, the “employee” can possibly face charges, whether they knowingly participated in the money laundering process or were tricked.

What are signs of a Check Cashing/Payment Processing Scam?

• Company initiates contact with you from a generic or free online web email address.
• Company web site domain was recently registered.
• Company requires you to deposit checks/money orders or accept bank ACH transfers into a bank account and then wire the funds to another source.
• Company is not located in the United States or is conducting business only with clients overseas.
• Misspelled words, grammatical errors appear in the job offer and corresponding emails.
• Job description promises high income for very little time and effort; no experience necessary.
• Employment starts without a face to face interview.
• Employer requires personal information without providing a detailed job description.

What do I do if I am the victim of a Work at Home Scam?

• If you have paid in advance for materials, software, or fees and attempts to contact the employer are unsuccessful, contact your bank or credit card company to attempt to stop or reverse charges.
• If you wired money, contact your bank immediately and request to stop the wire. Advise the bank of your situation.
• File a report to the FBI Internet Crime Complaint Center (IC3) or the FTC If you replied to a posting from CareerBuilder.com, notify Trust and Site Security so that we can take action immediately.
• Be aware that many emails claim that the company is advertised on Careerbuilder.com; however a great majority of these emails are spoofed, and not derived from the Careerbuilder.com database.

What do I do if I am the victim of a Check/Payment Processing Scam?

• Notify your bank immediately if you have deposited a fraudulent check or received a transfer of funds.
• If the funds have not cleared, have the charges reversed. Advise your bank that you have been a victim of a payment processing scam.
• If necessary, contact your local authorities. Maintain any evidence that you have regarding the scam and file a claim with the FBI Internet Crime Complaint Center (IC3) or National Consumers League If you replied to a posting from CareerBuilder.com, notify Trust and Site Security so that we can take action immediately.
• Be aware that many emails claim that the company is advertised on Careerbuilder.com; however a great majority of these emails are spoofed, and not derived from the Careerbuilder.com database.

How Do I Protect Myself When Looking For an Online Job/Opportunity? 

Research the Company:

Check the internet and Better Business Bureau for the company name, phone number, and location. 

Think Before You Apply:

If a company is offering a high wage or salary for very few hours of minimal work, it would not be ideal to forward them your personal information.  

Seek Local Employment:

If a company states to be located overseas, first research the company. Next, contact the company directly, inquiring about the opportunity being offered.

Do not Cash/Wire/Ship any Products:

Companies will never ask you, for any reason, to deposit checks or to accept direct fund transfers into your own account and then wire them to another source. 

Ask Lots of Questions:

Ask specific questions to the employer that is offering the position. The posting should provide enough information about the position, however if a description seems vague, report the job to Trust and Site Security. You can use the “Report this Job” form to notify us of questionable jobs posted on our website or forward any suspicious job offers you received in email to TSST@CareerBuilder.com. 

Never provide sensitive personal information during the initial application process:

Be extremely careful providing information such as your Social Security number, Drivers License number, Date of Birth, or other sensitive information that might make it easy for a fraudster to use that information to steal your identity. We recommend that you never place this type of information on your resume. 

Below are some helpful of questions to ask the employer:
-What specific duties will I have to perform on a daily basis?
-What are the normal business hours?
-Does your company have a website or additional information about this position?
-Is your company registered with the Better Business Bureau?
-Will I be paid salary or commission?
-Who will be distributing my income? 

Most Importantly Protect You and Your Family Today With a Life Events Legal Plan and Identity Theft Shield Offered by Pre-Paid Legal Services, Inc.For Less Than A Cup of Coffee a Day You Can Provide Protection For Your Whole Family Nationwide (and four Providence of Canada).For More Information On Protecting You and Your Family CLICK HERE  

Below is a sample of a Check Processing Payment Scam: Note: Careerbuilders is NOT involved in any way other than having their name and logo illegally used.  

1st email:  Hello *******,

Thank you for writing to us,

Please allow me to introduce myself; my name is Mel Frost and I am the
International Human Resource Manager of Fidelity Pay Limited I am pleased to
inform you that we have an open position for you within our company. Below
you will find a short history of our company; please give me a bit of your
time and allow me to present it to you.

COMPANY DETAILS

Our Company was founded in 2004 in the United Kingdom; Fidelity Pay Limited
is one of the largest equipment selling companies in Europe and our
customers are various businesses, hospitals, groups and individuals. The
Fidelity Pay Limited is a renowned and trusted symbol of dependability.
Naturally, you have great expectations regarding your career and that means
you will need plenty of room – to grow, to explore your potential and to
realize your goals. Fidelity Pay Limited needs a responsible, honest, self
motivated and reliable individual to work for the company as our
Representative in USA for our newly opened market. This is in view of us not
having an office presently in the USA but accepting orders from our American
customers. You don’t need to have an office and this certainly will not
disturb any form of work you have going at the moment.

JOB DESCRIPTION, TERMS AND CONDITIONS

- No fees needed to get this job.
- No one at Fidelity Pay Limited will ask for your sensitive info.
- You are not involved in any sales.
- Everything is legal under EU/USA and International laws.

The today’s situation on the financial market requires us to open and fill
several of these job positions within our company; the job opening is that
of a Representative within the US. This opening will help our company to
reduce the time it takes to receive funds from orders that we receive each
month. And we offer you one of the highest incomes on the market today and
the minimal expenditures of time.

Presently with the amount of orders we have we cannot put them on hold for
fear of losing our customers, secondly we cannot cash these payments from
the US soon enough, as international checks take about 28 working days to
cash anywhere in Europe. We lose a lot of time and money each month because
we have money transfer delays. Our clients could pay us where we want by
sending checks to an US address. What we need you to do is to provide us an
address where you can receive our customer checks. We need someone who can
receive the money through this method of payment. Regarding the check
process all you have to do is to receive the checks our customers will send
to your address, take them to your bank, cash them and send the remainder
amount to us after deducting all fees incurred and your commission. All fees
for transferring the funds will be supported from our share. Bonuses will
apply for cashing checks within 24 hours upon receiving a check. You will
always take your commission upfront.

We make direct contact for sales of products. Once orders are received and
processed we deliver the product to our customer (usually through USPS). The
customer receives and checks the product and proceeds to send the payment.
We accept all forms of payment but most of our customers pay using Bank
Checks and so in order to solve this problem and not lose any of our
customers we have decided to open this new job position. This job is legal
according to the U.S. legislation as it is today. Local money transfers take
but a few hours, so it will give us a possibility to get customer’s payment
almost immediately.

PAYMENT AND SALARY:

For example you receive a check as payment in the amount of 3000.00 USD, you
deduct your commission (10%): 300.00 USD and then send to us the balance:
2700.00 USD. In the first month you will receive around 15-20 orders under
3,000.00 USD to process and after checking your performance records during
that first month the orders you will receive may increase from 3,000.00
upwards to 6,000.00 USD. For example 20 transactions each around 3000.00 USD
gives you a total income of 6,000.00 USD per month and after establishing a
close co-operation with us you’ll be able to operate with larger orders and
you’ll be able to earn more. You will also deduct fees that are related to
this job (gasoline, western union fees, bank commissions, etc) from our
balance, not from your commissions. At first the checks you will receive
will vary from: $500.00 to $3,000.00. We will also send you a 1099 Form for
tax deduction on your part. Our payments will be issued out in your name and
you can have them cashed in your existing bank account, we don’t accept
newly created bank accounts because it slows the cashing process. Deduct
your percentage and forward the balance to the company attorney manager via
a western union money transfer, the name will be given to you later after
cashing a payment. This job takes only 3-7 hours per week. You’ll have a lot
of free time for taking up another job; you’ll get good income and a regular
job. This job is very challenging and you should understand it. We are
looking only for the employee who satisfies our requirements and will be an
earnest assistant.

We have health insurance and the 401K retirement savings plan as well as all
the other standard benefits that a major company usually provides.
Unfortunately we can only start talking about this after the first month has
passed since you’re working for us. We consider the first month as a trial
period. In any case you do not have to pay for anything in advance, there
are no hidden costs for performing this job. Any fee you might encounter
will be deducted from our share of the funds before you send it to us.

You will receive next instructions step by step.

WORKING HOURS

This depends of how many checks you will receive but it won’t take more than
2 hours to deposit the check and send an e-mail as soon as the check arrives
to you. Also as soon as checks arrive we will send you further instructions
and all details in order to complete the process with Western Union.

Unfortunately we cannot setup any interviews now as we do not have any
representatives in US. We will be able to come and meet within the next few
months when the new offices will be opened in your area!

Please let me know if you are still interested and I will e-mail you the
contract. Also include phone numbers and e-mail address where you can be
reached. Within 24 hours after we will receive this information we will
forward you a copy of the contract you have to fill in, sign and e-mail back
to us.Mel Frost
Fidelity Pay
Britannia Row
London, N1
United Kingdom
FAX 011-44-147-145-3596
FAX 011-44-778-834-1285  

2nd email:  Hi  *********,

Before we send you the contract we would like to know the following details,
please take time to answer the following questions:

1. Where did you work before or where are you working now? Will you have the
necessary free time to manage this business?
2. Do you consider yourself a trustworthy person? Can we trust you?
3. Are you in good relationships with your bank?
4. Have you worked before in this type of business?

We will be expecting your answers and if the requirements are met and you
are still interested we will send you the contract in the next e-mail.

If you are still interested you have to read the contract and if you are in
agreements please fill it, sign it and send it back by e-mail. You have the
contract here in attachment in two versions: Word and Adobe format. We
prefer Word but if you don’t have Word/Office you can print the .pdf.

Please fill all the information requested in the contract:
- Full name
- Complete address
- Electronic signature (type your name under Representative)

Also we accept only the following types of attachments: .DOC (Microsoft Word
Document) ,TXT (Windows Text) and .PDF.

Please send the contract back via email, in 48 hours after you receive it.
Time is important and we will not forward you details to our customers until
we will have the signed contract e-mailed back to us. 

Mel Frost
Support DepartmentFidelity Pay
Britannia Row
London, N1
United Kingdom
FAX 011-44-147-145-3596
FAX 011-44-778-834-1285 

I have listed just a few online/home based business opportunities that we have checked out and trust what they are offering. We wish you all the best and much success.

The Wealth Expert, 

MM

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Mitch

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* Debt Collections

* Bankruptcy

* Foreclosures/Eviction

* Employment Issues

* Family Law Issues

If you answered YES to any of these issues we can help you today.

Debt Collections – includes legal assistance to support our members against other parties and defending members from third-party debt collectors.

Bankruptcy – includes personal and business bankruptcy.

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Employment Issues – includes termination, wrongful termination, layoffs, unemployment compensation, severance agreements and employee vs independent contractor issues.

Family Law Issues – includes legal services related to divorce, child support, child custody and child visitation.

There are thousands of issues we face everyday and if we had the right help many of the issues we face could be settled immediately before it turned into an even greater issue.

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This plan is designed to provide the common legal services the member needs throughout the course of their lives. In essence the “Life Events” nature of the legal plan actually encourages members to call their law firms when life happens and legal counsel is essential. The member is walked through events more confident with less stress.

Bad things happen to good people, why not have a plan in place when the inevidable happens? Don’t second guess what might happen. It’s not if it will happen but when? It is better to have a Life Events Legal Plan and not need than to not have a Life Events Legal Plan and need it.

Don’t leave home without your Life Events Legal Plan, you never know what may happen. You know what they say, “STUFF HAPPENS!”