Member Testimonials (Identity Theft)
Identity Theft
Mr. Harland Stonecipher,
I wanted to share a story with you about my identity being stolen. I am extremely excited about our new Identity Theft Shield, and what it means to consumers.
In 1986 I received a phone call at my office. A gentleman told me I was behind on my watch payment at his jewelry store. I explained to him that I had never bought jewelry from his store; more-or-less financed anything at his store. He asked if the social security number they had was mine, I verified it was. He told me I must be the one that owed them the money. I hung up and ignored the call.
Two days later, I received a phone call from [an automobile dealership], stating I was behind on my Cadillac payment. I informed them that I did not own a personal vehicle, and that all I had was a company car. They asked me if the social security number they had on file was mine, and I confirmed that it was. He told me that I was the one who purchased the car, and that I either needed to bring the note current or they would pick up the car. I gave them my address and told them to feel free to pick up the car that I did not buy.
It just so happened that the owner of the company I worked for was an attorney by profession. I told him about this and he told me to go to the credit bureau and look at my credit report. I did this only to find out that there were numerous bad debts, charge offs, etc., on my report. I told the person at the credit bureau about the two situations above. They told me they were going to do some research and would call me back.
They called me back a couple of days later and asked me to come back down to the bureau at a specific time so they could review my file again. I went to the credit bureau, Chilton at the time, now Experian. I walked into the meeting room and there were nine people in the room. They asked me to be seated and the gentleman across the table from me proceeded to tell me things about my life that I was shocked at.
I had never been in trouble with the law or anything like that, but was amazed at how much this gentleman knew. It got so intimidating, that I stood up and told the gentleman that the meeting was over. He asked me to sit back down and handed me his business card. He was with the Secret Service. He proceeded to tell me that they had checked me out ‘top to bottom’ and that I was ‘clean’. He informed me that my identity had been stolen.
He explained how it happened. There was another ‘Larry Smith’ who was a credit bureau member and he had somehow gotten my information through the bureau. He started applying for a series of loans, using my social security number. He also showed my current address as his previous address on the loan applications. Due to my good credit, these institutions approved the loans. He had a Cadillac, jewelry, a sailboat, and other loans. He did not stay current with the loans.
Therefore, all of these bad debts were reflected on my credit report. However, [the gentleman from the Secret Service] did not inform me, nor did I know, that there were two other credit bureaus called Equifax and TransUnion. These two reports were never corrected. Each time I applied for credit, I had to give my password to the people I was applying for credit with. This way they could access my file. At this time, the 1980’s, Equifax and TransUnion, were not key players in the business. Not that many companies used these two resources, so my loans were approved.
The Secret Service did inform me that the person who stole my identity had been found, and that he was a key executive (white collar) in a water purification company in Plano, Texas. They arrested him and put him in prison for fraud.
At the end of two years, the credit bureau, now TRW, ‘un-vaulted’ my file. The three credit bureaus started exchanging information, and before I knew it, my three credit reports were an absolute disaster! I no longer had the business card of the gentleman from the Secret Service, as two years had passed.
I contacted TRW and explained what happened. They told me the process I needed to go through to correct the matters. For the next six years of my life I was miserable. I did everything the credit bureau told me to do, to no avail. I was paying interest rates on my mortgage at 9.25% when the market was at 7%. I was overpaying on everything I had. I was being declined credit, etc. I spent countless thousands of dollars because I was portrayed as somebody I wasn’t.
The beginning of my second year in Pre-Paid Legal Services, Inc., I was sharing this story with the managing partner of …our provider law firm here in Denver. He had me sign over power of attorney and took a personal interest in the matter. Within 90 days, my three credit reports were the way they should have always been, and there were fraud alerts on all of them.
Today my mortgage is at 4.25%.
As a victim of identity theft, I am acutely aware of the hardships that can be caused when a person’s identity is stolen. The addition of the Identity Theft Shield is just another example of Pre-Paid Legal’s commitment to stay in front of the trends. This product will continue to drive our company into massive momentum! Thank you for always looking for additional benefits for our members, and additional income streams for our marketing associates.
In Equal Justice,
Larry Smith Colorado
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Dear Pre-Paid Legal,
I wanted to take a moment to say thank you. Twice now I have had to contact Kroll due to an identity theft problem. On both occasions I was fortunate to speak with [the same gentleman]. He has been such a comfort to me. He has emailed me some information so we can get the ball rolling faster. I can’t begin to describe how aggravated I am about this entire situation. I’m so glad I have someone to call that I can trust to handle the situation. [He] has been very professional and so understanding; I can’t begin to thank him enough.
Sincerely,
Angela Wood Oklahoma
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Just a note to let you know how pleasantly surprised and pleased I was with the service I received at (my provider firm’s) law offices.
I contacted (my provider firm) in person without an appointment, only my file number.
The receptionist immediately got a legal assistant. (She) asked me what my issue was and I told her “I’m a victim of theft of my identity and my personal property.” And I’m still a victim at this time while writing this note of appreciation to “thank” the receptionist and attorney for not hesitating to hear my problem with concern and promptness each one showed during our consultation.
Clifford OsborneMissouri
Membership Testimonials (Living Will)
Living Will
I had a great consultation today with an attorney from our fine California firm. My mother is facing very major surgery, and I am the primary decision maker in her Living Will if she becomes incapacitated. Being under anesthesia qualifies…and she has some very specific wishes.. and the consultation was to help me through the potential confusion if I am called upon by the doctors to do something that might be medically smart but is absolutely against her wishes.
The attorney was patient and clear, and very sensitive, in walking me through the issue, and I am grateful for the advice of an expert and for having the easy access to that advice.
MemberCalifornia
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My partner and I had our wills done through our PPL law firm. They did a wonderful job. We even took advantage of the living wills and other documentation that we needed to prove we legally are responsible for each other. Thanks again and please keep up the good work.
Sincerely,
MemberIllinois
Member Testimonials (ADA)
ADA
Dear Mr. Stonecipher,
I am writing to thank you and Pre-Paid Legal for the great result we recently experienced through the use of our membership.
Recently the Ninth Circuit Court adjudicated [my case against a major movie theatre chain]. This case sprang [from] an experience where my wife and I were publicly humiliated and asked to leave a movie theatre because the manager of the theatre refused to enforce the handicapped companion seating rules.As you know, I am a quadriplegic from an accident 25 years ago, but [I] am still able to get around. Even though the physical challenges I face are many and frequent, I have learned to hardly notice them.
I did not realize how important this case apparently was until my phone started ringing repeatedly with people thanking me for persevering in bringing the case. Dozens of people described far worse experiences than mine in enforcing basic ADA (Americans with Disabilities Act) and companion rights. Many described being afraid to leave their homes for fear of constant confrontations.
This case has even been featured on numerous talk radio shows and in several newspaper articles hailing it as a major victory for disability rights. The difference? My Pre-Paid Legal membership. I was referred to the top ADA lawyers in America who prosecuted this case at absolutely no charge to us. Even though I am a law school graduate, I would never have had the means to sustain such an action to the appellate levels.
My membership had not only helped me personally in this instance, but has brought about change for tens of thousands of other disabled Americans who are otherwise voiceless.
Thank you so much. I am so proud to be a part of this company and will continue to pursue my dream of building a successful business with Pre-Paid Legal.
Sincerely,
Robyn FortyuneCalifornia
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Dear (Provider Attorney),
Thank you very much for your excellent work in preparing a letter for my employer relating to accommodation and ADA. My employer is now anxious to comply and accommodate my needs.
Very Truly Yours,
Michael PruettCalifornia
Member Testimonials (Bankruptcy)
Bankruptcy
Thank you for your outstanding service because you referred me to (my provider attorney) for my Bankruptcy. (He) did a super job along with (other members of your firm). (They) went the extra mile because he filled out the paper work to meet a critical window to save me from having to go to court for a garnishment issue. He also took the time to answer all of my questions in a prompt and courteous manner.
(My attorney) did outstanding preparation work with the Trustee. Even though there was a high amount of debt the Trustee did not question it. The hearing went smooth and fast. The debt was discharged.
Both (of the gentlemen who worked on my case) are true professionals. They both were considerate and compassionate. They were customer service orientated from the heart. I would highly recommend them and suggest you keep them in your network.
Your firm has consistently provided me with outstanding service and peace of mind. I called Pre-Paid Legal Customer Service and relayed the good work of (both) your firms. God bless you for making a difference in my life.
If there is anything that I can do for you just ask.
MemberVirginia
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I have recently concluded a bankruptcy and I would like to recognize my Attorney for his excellent service. He was referred by Pre-Paid Legal. He provided outstanding services throughout my case. He was consistently available when I called with questions and he always kept me informed. I am sending his message in appreciation of the great service provided by Pre-Paid Legal and (my Attorney). I thank you all!
R. Hilliard
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I can’t thank you enough for the help, guidance and “special work” you did for me on my bankruptcy question. I know you really went beyond the call of duty to help me.
I was really thrilled to have such a knowledgeable person help me understand some of the fine points and direct me in the next steps. Your quick response to my call ws also very appreciated.
I may call on you again since I feel so confident talking to you and you really gave great advice.
Thanks again,
M. SullinsTennessee
Adoption
Member Testimonials(Adoption)
I just wanted to commend (our provider attorney) for the fine job they are doing in Edmonton.
I recently contacted (my provider attorney) because one of my sons has requested that my new husband (his stepfather) adopt him. When I contacted the firm, (he) took the time to make sure I completely understood the process as well as explaining all the steps required for me to take care of the matter on my own which will save me over $1,000.00.
Thank you,
Hali Fitzpatrick Canada
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Dear Madam or Sir,
I am writing to express my sincere appreciation for the extremely capable professional legal services provided by [my attorney], during the adoption of my daughter. Although this was an uncontested adoption, in that I was adopting my wife’s adopted daughter, it was complicated by the fact that my wife’s daughter had been adopted from Russia. This fact introduced a natural trepidation (i.e. Russian language documents and questions about translations and other misgivings thereto) on the part of the Orphan’s Court employees that investigated my case. [My attorney] was obviously well known by these folks and he quite readily and easily assuaged their fears and natural mistrust about my seldom-seen situation. Although this may very well have meant an extra effort on his part (over and above the effort required for a less complicated uncontested adoption), [he] was always very kind, gracious, and reassuring throughout.As I have said, I was very pleased with [my attorney’s] demeanor throughout this rather intimidating process. My respect evolved to an extreme sense of pride (that he was my attorney) the day we appeared in court to finalize the adoption. All of the court’s staff, including the judge, whose name I recognized as a long-time and highly respected civil servant in [our county], greeted him so kindly as would be expected between people that have known each other for along time and have genuine respect and like for each other. I don’t know how you folks were able to obtain the services of such a great attorney as your purveyor of services for my company’s Pre-Paid Legal plan, but I can certainly say that I am surely glad that you did.I again thank you for finding such a kind and capable legal representative on my behalf. I remain a very happy and satisfied Pre-Paid Legal customer.
Sincerely,
Jeffrey RichaelPennsylvania
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Dear [attorney],
I would like to thank you for your recent efforts on my behalf to obtain identifying adoption information. After your last letter, the [adoption agency] contacted me and allowed me to read my file. By helping me to obtain access to my file, you have helped me to start to form an answer to the question “who am I?” It was fascinating to read what caseworkers had documented about my birthmother. While some of it was conflicting, it was most of all real. It is hard to describe how important it is to obtain real information about ghost birthparents.
Thank you again for your support. If you ever need an adoptee’s voice to speak for legislative change about the release of identifying information, feel free to contact me!
Sincerely,
MemberOhio
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Prepaid Legal Services, Inc. is no longer a NYSE company. They were acquired by Mid-Ocean Partners a few months ago and are no privately owned.
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