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Community Public Safety Resource Services "We Help Take A Bite Out Of Crime!" "He who does not prevent crime when he can, encourages it." —Roman philosopher, Seneca

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PUBLIC SAFETY COMMENTARY & ALERTS
 
 
A weekly view of various public safety issues.
We will also provide alerts on new scams and crimes.
We encourage our readers to send us their comments
on these issues.

 COMMENTARY

 

 

I Resolve That Crime Prevention…

 

By

Steve Wallach

 

The New Year has started and so have the New Year's resolutions. As in years past, we will vow to lose weight, quit some bad habit or in some way improve our lives. We usually can point to some specific event that has caused us make this resolution. More often than not, within a few months, we are back to doing what we resolved to quit in the first place and probably doing it more or worse than we started.

 

For a lot of people, crime prevention works the same way. Usually a specific event, such as becoming the victim of crime, leads us to change our attitude toward crime prevention. It is not until then that we resolve to take positive action to protect ourselves, our family and our property.

 

Resolve this year to heed the advice from our office and your local law enforcement agencies, regarding securing your property.  This means closing garage doors, securing your cars, removing valuables including insurance cards and garage door openers from the car. 

Resolve this year to get a free home or business security survey and then follow up on the recommendations. Your local law enforcement agency has certified Crime Prevention Inspectors who can show you what steps can be taken at your home to improve your home security. This resolution is a winner all the way around. First, there is no charge for the survey by your local law enforcement agency; second, you can make your home safer; and third, you even may save money on your homeowner’s insurance.
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Resolve to take advantage of the many programs that are offered by our company or your local law enforcement agency, such as Neighborhood Watch Programs, Operation ID and Kid Print.

Resolve to learn more about how to protect yourself and family from becoming victims of identity theft. Identity theft is the fastest-growing and most pervasive crime in recent history.

Resolve to drive more safely, slow down, wear your seatbelt and not drink and drive. Our hurried lives make us impatient, which affects our judgment while driving. Not only are accidents increasing at an alarming rate, incidents of road rage are becoming an all-too-common headline.

Knowledge is power. The more you know about crime prevention, the more you will be able to protect yourself and your family. When making your list of resolutions this year, make room for crime prevention.

For more information about this or any other crime prevention topic, call MetroStar Resources, LLC, and 866-769-4863.

 

Steve Wallach


Steve Wallach, President

MetroStar Resources, LLC

Keller, TX

 

©2011




"He who does not prevent crime when he can, encourages it." 

—Roman philosopher, Seneca

 

 

Thoughts on Crime Prevention

By Steve Wallach, President/CEO

MetroStar Resources, LLC

 

The prevention and detection of crime, protection of life and property and generally, the maintenance of law and order are, but the primary duties of law enforcement agencies. These are recognized and accepted by civil societies the world over. As everyone must know, these duties are not only onerous and difficult, but are also very dangerous. Yet they are task which must be performed by devoted, committed and courageous law enforcement personnel.

Experience has shown that individuals with the propensity to commit crime, particularly those against the person, have been perpetrating crime brazenly, mercilessly and in the most heinous and brutal way. Since the law enforcement agencies by themselves, cannot successfully prevent and control crime, the involvement of all law abiding citizens in the fight against the criminal element is of critical importance. The entire society therefore, owes to itself an obligation and/or responsibility to assist and where possible to take reasonable steps to ensure its own safety and protection.

The aim of this article is to provide some pointers to the citizenry, in the hope that it would better help them to be more alert in the environment which frequently lends itself to the perpetration of violent criminal acts against them.

It has been seen in the recent past that violent crimes have steadily increased. These criminal acts have not only resulted in significant loss of money, jewelry and other valuable property, but also serious physical and psychological harm to victims. In some instances, perpetrators of these violent acts have struck with deadly force, leaving many families, loved ones and friends in a state of shock, sorrow and grief.

If citizens are aware of what is called the “CRIME TRIANGLE,” they can avoid becoming the next victim if certain preventive or precautionary measures are taken. What does the “Crime Triangle” involves? This question may be answered by simply looking at the following:

An intention – the mental element or state of mind of the criminal

A victim – the unsuspected hapless or vulnerable citizen and

An opportunity – The right, psychological moment for attack.

If one of these components is missing, there can be no crime. For instance, if the individual has no intention to commit a criminal act, there would be no need to look for a victim or an opportunity. Conversely, if the individual has an intention, but has not identified a victim or isn’t provided with an opportunity, there would be no crime. Even if he has an intention and has decided on a victim, without an opportunity to perpetrate the particular offence, there would be no crime. However, when an opportunity is inadvertently provided the perpetrator quickly acts on that opportunity, and preys on the victim. There is little or no time to react as very often the victim is steering down the nozzle of an awesome looking gun or at the point of a knife, resembling that carried by Sylvester Stallone in the movie “Rambo” indeed, it is frightening.

Hence, it is the unsuspecting citizen who provides the criminal with an opportunity and him/herself as the victim. These then act as the driving force for the perpetrator to put his intention into action. This could be avoided if citizens would only follow these simple guide lines for their personal safety and protection. Experience has taught us that many violent crimes, namely, sexual assaults and robberies are committed against victims of both sexes. These usually occurred when they least expect an attack. The following pointers therefore are worth considering:

When traveling in congested or crowded areas, it may be wise to have all visible jeweler removed;

When walking at night, where possible use popular streets and well lit areas. Avoid shortcuts, parks and alleys. There is always someone lurking in the dark for a victim and any victim who appears vulnerable to a perpetrator is a target. Dark corridors, doorways and desolate areas are to be avoided;

When walking alone listen for voices and/or footsteps immediately behind or in your vicinity. Always be aware of your surroundings. It is important to portray confidence by walking briskly, at the same time, avoid walking through a group or a crowd. Always be on the alert for “pick-pockets” in crowded areas;

To the best of your ability avoid exposing money unnecessarily in public (whether small or large sums) and especially in congested areas;

When transacting business involving large sums of money, where possible payment such transaction should be made by check.

Avoid wearing scarves, and necklaces which are easy to grab. Women should wear shoes which will enable them to run if the necessity arises;

Women, when carrying bags, should clutch them securely under their arm or where possible;

They should consider whether it is absolutely necessary to carry a bag. Money, valuables and identification are much safely carried in an inside pocket;

Never put down your purse on store counters, shopping carts/baskets or on vehicle seats. If you were to do this, you run the risk of forgetting it or having it snatched from your possession;

Be sure to have your house keys ready in advance. Keys and cellular phones should not be carried in hand bags nor on waist or around the neck. Always remember the snatchers. You would need your keys to enter your vehicle or house and your phone to call for help, if necessary;

Women should avoid accepting rides from strangers at nights. Very often that is the time when most sexual assaults are committed;

Children should be educated against accepting packages, rides, candies and money from strangers; and if you receive an anonymous call by telephone never give the impression that you are home alone. You can pretend by calling someone to take the call. If the caller has no business to engage you in or the caller genuinely mistakes your number for another, the caller may say sorry and hang up.

The pointers contained herein are not in or by themselves the “cure all” for crime prevention. However, if practiced they could help to prevent the commission of certain criminal acts. Therefore, it is important to remember that preventing crime is the responsibility of every law abiding citizen. Crime prevention not only involves limiting the illegal activities of criminal, but also making it more difficult for them to commit crime. Thus crime prevention is an on—going initiative which requires the total involvement of every man, woman and child.

Do not put yourself in any unnecessary danger. Always remember the components in the “Crime Triangle,” particularly that of the “victim and an opportunity.” Without you presenting yourself as the former and providing the latter, the would-be criminal would only possess the intent and nothing else. As a result of the above, you would have been able to negate his ability to commit a crime against you or other members of the community. Avoid becoming a tempting target or the next victim of a crime. Always be on the alert in your surroundings.

 

Steve Wallach


Steve Wallach, President

MetroStar Resources, LLC

Keller, TX

 

 

 

 

 

 

 

 ALERT

Credit Fix and Debt Elimination Scams
by Texas Attorney General Greg Abbott

 
A new year often brings new resolutions, and Texans with mounting consumer debt or bad credit ratings may be tempted by services that promise quick fixes to a bad credit problem. Unfortunately, there are no easy ways to remedy low credit scores. If a credit repair or debt relief offer sounds too good to be true – it usually is.
 
Rebuilding a good credit rating takes time and good financial management. Legitimate credit counseling services and debt repayment plans can offer long-term, practical solutions to debt management. It is critical, though, that debtors distinguish between lawful assistance programs and fraudulent schemes that attempt to take advantage of struggling debtors.
 
Unfortunately, many fraudulent “debt elimination” and “credit repair” scams charge customers hefty fees for “quick fixes” that never materialize. The Office of the Attorney General (OAG) has aggressively cracked down on these unlawful scams.
 
Our Consumer Protection and Public Health Division recently stopped two Austin-based operations from falsely claiming they could remove “negative” items from clients’ credit reports. Only inaccurate or obsolete items can be legally removed from a debtor’s credit report, while items that reflect negatively on a person’s credit must remain on the report until they expire with the passage of a set amount of time. The defendants in those cases, Austin Credit Doctor and America’s Credit Doctor, charged customers several hundred dollars in advance fees for their unlawful “credit repair” services.
 
Texans with inaccurate or obsolete information on their credit reports can work directly with credit reporting companies to remove information that should not be included. No one should pay a “credit repair” service to remove those easily remedied items for them.
 
A related scheme, “debt elimination” scams, falsely promise to eliminate consumer debt within just a few short months.
 
Too often, these scams charge large, up-front fees and then fail to deliver any valuable services to customers. For example, the OAG stopped a fraudulent “debt elimination” operation that falsely promised to quickly and completely eliminate customers’ debt.
 
To become enrolled in the program, customers were required to wire a one-time $5,000 deposit to an unidentified “bank.” The scam’s operators claimed the bank would initiate a debt elimination process and use the deposit to defray the costs of that process. Once all the customers’ cumulative debt reached $100 million, the bank promised to make loans that would pay off individual customers’ debts.
 
However, the $5,000 fee was actually deposited to an account that our investigators traced to Panama. The operation’s owner never offered any evidence that a “bank” even existed. In truth, the scam was simply trying to cash in on the vulnerability of overwhelmed debtors. As a result, the already struggling customers lost their $5,000 deposits.
 
Legitimate financial assistance is available to customers facing seemingly impossible debt. Texans with problems paying their debts should immediately contact their creditors and seek alternate payment arrangements. Creditors are generally willing to negotiate terms directly with customers, so a debt management company is frequently unnecessary. Debtors should ask whether alternate arrangements would affect their credit history. Even if creditors reduce the payments and give debtors more time to pay a debt, doing so may show up for several years on debtors’ credit reports.
 
Texans seeking debt management services should do their research before hiring one of these firms. It’s important to check with the Better Business Bureau – and even the OAG – to see whether other customers have filed complaints. It may also prove helpful to consult with an attorney about debt relief options. Ultimately, creditors must decide whether to accept a debtor’s restructuring offer. Even if the creditor accepts the offer, the debtor may face credit and tax-related implications.
 
Texans should also keep in mind that under new provisions of the Federal Trade Commission’s (FTC) Telemarketing Sales Rule, debt relief service companies are prohibited from charging advance fees. Debt relief service companies can only charge customers after they have successfully reduced, settled or otherwise negotiated the terms of at least one of the customer’s debts.
 
Additionally, any debt settlement fees must be clearly detailed in a formal written contract between the company and the customer – and must be proportionate to the amount of debt at issue. Both the FTC and the Texas Attorney General’s Office have authority to enforce the new rule.
 
There are seldom quick fixes to a negative credit history if it reflects legitimate debts the consumer failed to repay. The key to rebuilding credit is to manage debt and to consistently pay bills on time.
 
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Greg Abbott
Attorney General of Texas