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Monday, November 21, 2005

The Landlord Evicts the Tenant

WHEN CAN A LANDLORD EVICT A TENANT?
The landlord can evict a tenant for any one of three reasons:

The term (usually one month or one year) for which the property was rented is over;

The tenant is behind in the rent; or
The tenant has breached (broken) some clause of the lease.

The landlord needs no reason to evict a tenant it the landlord gives the tenant proper notice that the landlord wants the property back at the end of the term.


B. WHAT IS THE PROPER EVICTION PROCEDURE?
The Landlord-Tenant Law of 1951 points out the only method for a landlord to evict a tenant. The Landlord-Tenant Law does not apply to people who are buying a home or who live in a hotel or rooming house.

The Eviction Notice - The landlord must give the tenant written notice of the reason for the eviction and the date that the landlord wants the tenant to leave. Caution: A tenant with a written lease should read the lease carefully to see whether or not he/she has given up the right to receive this eviction notice. The eviction notice must be personally delivered to the tenant or posted on the dwelling. An eviction notice, sent by mail is probably not enforceable. A written lease may state how many days notice must be given by the landlord before the landlord can evict. It the lease does not state how much notice is required, the general rule is as follows: If the term has ended, or it the landlord claims the tenant has breached the lease, the landlord must give the tenant thirty (30) days notice if the lease is for less than one year (this is usually month-to-month), and ninety (90) days notice if the lease is one year or more. If the tenant is behind in the rent and has an oral lease with the landlord, the landlord needs to give only fifteen (15) days notice between April 1st and September 1st, but thirty (30) days notice between September 1st and April 1st. It the tenant is not out of the property by the end of the eviction notice, the landlord must follow the procedure through the District Justice's office as set forth in paragraphs 2, 3 and 4 below.

Complaint - The form that follows is a Landlord-Tenant Complaint. The landlord files the complaint with the appropriate District Justice's office, and the landlord receives a yellow copy of the Complaint. The pink copy of the Complaint will be served on the tenant by the Constable, who may hand the tenant the Complaint or tape the Complaint to the door of the property. The tenant will also get an orange copy of the same Complaint through the mail. The Complaint says that a hearing will be held at the District Justice's office on a particular day and time. The tenant should tell the District Justice if the tenant intends to come to the hearing and present his/her side of the case. The Complaint always requests possession of the property and may ask for back rent or damages as well. If the tenant has a claim to file against the landlord, this claim, called a "counterclaim", may be filed before the hearing. Both Complaints will then be heard at the same time. The Hearing - At the hearing, both the landlord and the tenant will be put under oath to tell the truth. Either may have a lawyer to present his/her case. The landlord will then take the stand and present his/her case. When the landlord is finished testifying, the tenant can cross-examine the landlord -- in other words, ask the landlord any questions the tenant may wish to ask about the case. When the landlord is finished presenting his/her case, the tenant takes the stand and presents the tenant's side of the case. Again the landlord has the right to question the tenant after the tenant has presented his/her case. Both the landlord and tenant have the right to bring any papers, pictures, or other evidence which is important to prove their case. Either one can also bring any witnesses they may have.
The District Justice will decide whether or not the landlord is entitled to a judgement for possession of the property. If the landlord wins his/her case, he/she will get a judgement for possession and the tenant must move out. If the tenant wins, the tenant may stay. The District Justice may also decide whether or not either the landlord or the tenant owes the other any money. If either the landlord or the tenant does not agree with the decision the District Justice reaches at the hearing, an appeal can be taken to the Dauphin County Court House within thirty (30) days after the District Justice makes his decision. Either the tenant or the landlord will need a lawyer's help in filing this appeal. If either the landlord or the tenant does not attend the hearing he/she will receive notice from the District Justice which says what the District Justice's decision was and on what date the decision was entered.

Order for Possession - If the landlord wins a judgement for possession, which means the tenant must move, the landlord can then enforce the judgement. This means that no sooner than fifteen (15) days after the District Justice makes his decision and enters the judgement for possession, the landlord can have the constable give the tenant an "Order for Possession". This Order for Possession is a notice telling the tenant that unless the tenant is out of the property by a date set on the notice (no sooner than fifteen (15) days after the date the tenant receives the notice) the Constable or Sheriff can forcibly set the tenant and his/her belongings out of the house or apartment. This is a total of at least thirty (30) days after the judgement for possession was entered.

If the Constable has to forcibly evict the tenant, and the tenant has not arranged for a place for his/her furniture and belongings, the Sheriff or Constable can store the furniture and belongings at a storage company at the tenant's expense. A tenant must pay any storage bill before getting his/her furniture and belongings back. If the tenant does not pay the storage bill or make arrangements regarding the furniture and belongings, they may be sold by the storage company to pay the storage bill.

THE LANDLORD MAY NOT HOLD THE TENANT'S FURNITURE ON PERSONAL BELONGINGS OR SELL THEM TO PAY BACK RENT.

If the tenant wants to appeal the District Justice's decision, the appeal must be filed within thirty (30) days after the judgement for possession has been entered by the District Justice. It is then possible to stop the eviction until after the appeal is heard in the Court of Common Pleas, although it may be necessary to post a bond unless the Court gives permission to waive the bond or to deposit rent instead of a bond. The process of appeal may take several months.

Tenant Defenses to Landlord's Eviction Action
Whenever the landlord sues the tenant, the tenant has the right to defend against the landlord. IF THE TENANT HAS A GOOD REASON TO DEFEND AGAINST THE LANDLORD'S SUIT, THE TENANT SHOULD MAKE EVERY EFFORT TO DO SO, EVEN IF THE LEASE SAYS THE TENANT HAS NO RIGHT TO DEFEND. IF THE TENANT DOESN'T GO TO THE HEARING, THE LANDLORD WINS BY DEFAULT.

Non-payment of rent: Rent receipts are the best way to prove that rent has actually been paid. If the tenant used the repair and deduct procedure on page 15 the tenant must bring a copy of the receipt to the hearing. A tenant cannot defend an eviction action based on non-payment of rent because the tenant has withheld rent due to the landlord's failure to make repairs, unless the tenant has been placed on the City's Rent Withholding Program or unless the court finds the conditions of the home to be so bad that some or all of the rent did not become due under the new law of "implied warranty of habitability".

A tenant can stop an eviction based on non-payment of rent by paying the rent due, plus court costs, at any time before the Constable comes to the door to put the tenant out on the street.
Example: Mrs. Jones' rent is $100.00 per month. Mr. Smith the landlord, promised to fix the hole in the roof, but never did Mrs. Jones got angry and gave Mr. Smith only $50.00 until the root was fixed. Mr. Smith filed a complaint for possession of the property, charging Mrs. Jones with non-payment of rent.RESULT: Mrs. Jones can only stop the eviction by paying an additional $50.00 and possibly court costs.

Breach of the Lease: If a landlord has brought a complaint against the tenant and proved that the tenant has breached the lease, the tenant's only defense is to prove at the hearing that the tenant did not breach (break) the lease. For example: if the lease says "no pets" and the tenant brings a dog into the house or apartment, the landlord can claim that the tenant has broken or breached the lease. The tenant may be able to prove that the dog the landlord saw does not belong to the tenant, but perhaps belongs to a neighbor. Both the tenant and the landlord should take their lease, any other written papers, and any witnesses to the hearing to help establish their case.

End of the term: There is no defense if the landlord claims that the term of the lease has ended. The landlord must give the tenant proper notice. The landlord's actions should not be in retaliation for any steps the tenant may have taken in the past to enforce the tenant's rights, such as reporting Housing Code violations.

Retaliatory eviction: If a tenant believes he/she is being evicted in retaliation for reporting Housing Code violations or exercising other legal rights, such as joining a tenant's organization, the tenant may want to see a lawyer.

C. WHAT ARE IMPROPER METHODS OF EVICTION?
Sometimes a landlord will tell a tenant to move right away, or next week, or threaten to get the Sheriff to throw the tenant out, change the locks, shut off the tenant's electricity, etc.
The landlord cannot legally do anything to evict a tenant other than to follow the procedures through the District Justice's office set out above.

D. WHAT DO "MONEY JUDGEMENTS" MEAN?
The landlord can sue the tenant for back rent or damages. The tenant can sue the landlord to recover the security deposit, or to recover excess rent paid. When the plaintiff (the persons who brings the suit), either landlord or tenant, is claiming that the defendant (the person sued) owes the plaintiff money, the procedure through the District Justice's office is the same as when the landlord is claiming possession of the property, from the time of the original notice from the District Justice's office through the hearing.

It the District Justice enters a judgement for money at the hearing, either the Plaintiff or the Defendant can appeal the decision to the Common Pleas court within thirty (30) days after the judgement is entered. Remember, if there is a judgement for possession, the appeal must be taken within thirty (30) days.
If no appeal is taken, then the person who owes the money must pay the amount of the judgement to the other person. If a person has a judgement against him/her, and he/she is unable to pay all at once, he/she may ask the District Justice to set up a payment schedule over a period of up to six (6) months. As long as the court agrees and he/she follows this payment schedule, the person he/she owes the money to cannot "execute", which is explained in the next paragraph.
Once a judgement has been entered, and not appealed, the person to whom the money is owed may "execute" on the judgement it the other person (the debtor) doesn't pay. One way to execute is to ask the District Justice and his Constable to help. The more common way to execute, or enforce the judgement, is to file the judgement at the County Court House. The judgement cannot be filed at the Court House until the appeal period (thirty 30 days) has run out. The person to whom the money is owed may then ask the Sheriff of the County to schedule a Sheriff's sale of the belongings of the debtor. Any money raised at the sale is used to pay the court costs and the judgement.

Important Decisions Demand ACCURATE Information

Saturday, November 19, 2005

Free Internet Directories

SPECIAL-INTEREST
FREE DIRECTORIES


Adoption Records Database [Assists adoptees and their families in searching for each other] http://www.skylace.net/adoption

Alternative Press Index [Subject index and title index to articles appearing in over 250 alternative and radical publications worldwide] http://www.altpress.org

Alumni Net [Worldwide database of alumni ] http://www.alumni.net

Birthday search service http://www.anybirthday.com

Architects Nationwide http://www.aia.org/consumer

Career InfoNet [Career information, assessment and guidance for virtually all careers] http://www.acinet.org/acinet/default.asp

Credit Report Guide [All about credit reports] http://www.accuratecredit.com

Cruise Ships [The CDC posts cruise ship health-safety rankings and code violations on the Internet] http://www2.cdc.gov/nceh/vsp/vspmain.asp

Currency Converter [Converts one currency to another at current exchange rates] http://www.xe.net/currency

Cybercrime [USDOJ informational site] http://www.cybercrime.gov

Cyndi's List of Genealogical Sites on the Internet [genealogy info] http://www.CyndisList.com

Deja News [Archives most newsgroups] http://www.deja.com

English Land Registry [Real property ownership searches and property prices in England and Wales] http://www.landreg.gov.uk

Fed Ex Tracking [Federal Express tracking site] http://www.fedex.com/us/tracking

Find a Grave [Almost 3,000,000 names in about 30,000 cemeteries] http://www.findagrave.com

International Dialing Codes [Country codes, IDD prefixes, and NDD prefixes] http://www.kropla.com/dialcode.htm

International Salary Calculator [Use to determine costs to relocate to another city] http://www2.homefair.com/calc/salcalc.html

Internet Radio Station Directory [Online radio stations worldwide] http://www.radiotower.com

Investigative Abstracts [Print and broadcast investigative stories] http://www.ire.org/resourcecenter

Jewelers Board of Trade [Database of background info on jewelery dealers in U.S., Canada, and Caribbean] http://www.jewelersboard.com

Journal Article Database [Search for articles in almost 25,000 journals] http://jake.med.yale.edu

Missing ChildrenWebsite of the National Center for Missing and Exploited Children http://www.missingkids.com

Newsletter Access [Directory of over 5,000 newsletters] http://www.newsletteraccess.com

Nursing Home Ratings [Database of nursing homes and nursing-home ratings] http://carescout.com

Online Texts Collection [From Internet Public Library. 17,000 texts in many subject areas] http://www.ipl.org/reading/books

Online Translation [Translate text and websites; six language capability] http://www.dictionary.com/translate

Out of Print Books http://www.harvestbooks.com

National Technical Information Service (NTIS)[Computerized database of over a million technical reports] http://www.ntis.gov

Post Office and Zip Code Locator [Locate post offices, find zip codes, change addresses, track/confirm mailings] http://www.mapsonus.com/db/USPS

Radio Station Locator [Search for radio stations worldwide by city, call letters, or zip code] http://www.radio-locator.com

Spammer Complaints Database [Check out URLs for spamming complaints] http://www.abuse.net/lookup.phtml

Telephone Area Codes http://www.areacode-info.com

Package Tracking http://www.ups.com/tracking/tracking.htm

Weather Forecasts Get a Forecast Weather Worldwide [Average temperatures for almost 7,000 cities] http://weatherbase.com


Important Decisions Demand ACCURATE Information

Friday, November 18, 2005

Free Legal Investigative Directories

LEGAL/PRIVATE-INVESTIGATIVE DIRECTORIES


411 Locate [Search U.S. white and yellow pages, as well as email addresses] http://www.411locate.com/
also http://www.accurate-people-finder.com

Accident Reconstructionists [A searchable database of traffic accident reconstruction experts]http://www.tarsearch.com/

Accident Reconstruction Resources http://www.c-design.com/accrec.html

Adoption Resources http://vitalrec.com/links3.html

American Law Sources Online [Free online sources of law for the U.S., Canada, and Mexico]http://www.lawsource.com/also/

Appraiser USA [Find a real estate appraiser] http://www.appraiserusa.com/

Area Code Lookup http://SuperPhone.net/areacode.html

Aristotle International [Voter registration records, political contributor lists] http://www.aristotle.com/

Art Theft Postings Interpol Art Theft Postings Asia Pacific Domain Owners [Database of domain owners in the Asia Pacific region] http://www.apnic.net/search/index.html

Association of Independent Information Professionals (AIIP) [Source for finding professional researchers]http://www.aiip.org/

AT&T Toll Free Directory [Enter a business name to obtain its AT&T toll free number]http://www.anywho.com/tf.html

Attorney Net[Worldwide resource for locating an attorney] http://www.attorneynet.com/

Attorney Profiles [Background/educational info on U.S. attorneys]http://lawyers.martindale.com/marhub

Background Checks http://www.accuratecredit.com

Blue Sheet, The [Profiles hundreds of thousands of jury verdicts; searchable database]http://www.bluesheet.com/

British Public Records Office http://www.pro.gov.uk/

Canadian Directory Assistance [Search Canadian directory assistance on the Internet]http://canada411.sympatico.ca/

Can We Tape? [A guide to taping phone calls in the 50 states and D.C.]http://www.rcfp.org/taping/index.html

CataLaw - Metaindex of Law & Government [Catalog of law resources online] http://www.catalaw.com/

Child Support Guidelines http://www.supportguidelines.com/

Citation Handbook http://www.law.cornell.edu/citation

Classmates Military Directory [Communicate with present and past military personnel] http://www.accurate-people-finder.com

Codes of Ordinances [Over 14,000 municipalities]
http://www.amlegal.com/

Collectors - Judgment and Debt [Discussion forum message boards related to judgment and debtcollection; useful for skip tracing] http://www.collectionindustry.com/

Combined DNA Index System (CODIS)[ FBI database of DNA samples from convicted violent offenders]http://www.fbi.gov/hq/lab/codis/index1.htm

Concealed Weapon License Cross-Reference [Which states honor which other states' concealed weapons licenses] http://www.packing.org/

Copernic [Free search engine results organizer] http://www.copernic.com/

Corrections.com [Corrections industry resources and info] http://www.corrections.com/

Country Domain Name Codes[ Searchable database] http://www.gday-mate.com/country_domain_codes/

Court Rules, Forms and Dockets [Browse or search by keyword] http://www.llrx.com/courtrules

Credit Reports http://www.accuratecredit.com

Crime Lynx [Criminal defense practitioner's guide thru the Internet] http://www.crimelynx.com/

Crime Spider [Links to crime and law enforcement sites] http://www.crimespider.com/

Criminal Records Access Described by State Criminal Records by State http://www.accuratecredit.com

Global Training AcademyDomain Name Lookup [Enter the URL of a business, find out who owns it]http://www.checkdomain.com/

Drug Detection [Listing of companies providing drug screening services] http://www.cato.com/biotech/bio-genomics.html

Drug Testing in the Workplace [State laws governing substance abuse testing in the workplace]http://said.dol.gov/StateLawList.asp

Electronic Surveillance Laws by Statehttp://www.ncsl.org/programs/lis/CIP/surveillance.htm

Employment Verifications [Provide start/termination date, total time at company, and job title; fee] http://www.accuratecredit.com

European Domain Owners [Database of European domain owners] http://www.ripe.net/perl/whois

Expert Witnesses [Alphabetical listing of experts who have testified in civil jury trials across the U.S.]http://www.juryverdicts.com/experts/index.html

FAA License Holders http://www.avweb.com/

Federal Courts Finderhttp://www.law.emory.edu/FEDCTS

Federal Judiciary Homepage [Links to all federal court websites nationwide]http://www.uscourts.gov/links.html

Federal Prison Histories [Federal Bureau of Prison's database of current and former federal inmates; click Inmate Information link]http://www.bop.gov/

Federal Records Access [How to access Federal Records] http://www.epic.org/open_gov/rights.html

Foreign Vital Recordshttp://vitalrec.com/links2.html

Forensic Services Handbook [DOJ free website] Get the Free Handbook Genealogy Help [Research help]http://vitalrec.com/links4.html

Genetics Nondiscrimination Employment Laws (by State) The Laws by State Government Document Delivery[Offers public records document delivery and related services for government organizations]http://www.govdocs.com/

Guide to Public Records [Print and online public record sources] http://ucblibraries.colorado.edu/

Hatewatch [Info about hate groups] http://www.hatewatch.org/

Hieros Gamos [Global legal resources] http://www.hg.org/index.html

Hoover's OnlineCompany capsules on over 15,000 companies http://www.hoovers.com/

How to Obtain a Certified Copy of a Report of Birth, Death or Marriage Abroad [U.S. State Department tutorial]http://travel.state.gov/

Inmate Locator List [Listing of offender locators by State] http://www.pcpages.com/strngmn01

International Phone Directories [Online phone directories from around the world]http://www.aol.com/netfind/international.html

International Process Servers http://www.ipsaonline.com/

International Society of Air Safety InvestigatorsAir accident investigations in 35 countries http://www.isasi.org/

International Property Digital Library [Intellectual property data collections hosted by the World Intellectual Property Organization] http://www.wipo.int.ipdl/

Internet Law Library [Library of Internet law articles, statutes, and cases] http://www.internet-law-library.com/

Internet Legal Resource Guide [Index of more than 4000 legal webbsites worldwide]http://www.ilrg.com/

I.P. World Map Project [Find geographic location of IP addresses] http://www.networldmap.com/

Kruglich's Investigative Search Engines [Search tools for investigators]http://www.kruglaw.com/search.html

'Lectric Law Library http://www.lectlaw.com/ref.html

Media Finder [Database of print media in the U.S. and Canada] http://www.mediafinder.com/

Medical Literature [National Library of Medicine's Medline database] http://www.nlm.nih.gov/

Meta-Index for US Legal Research [Central clearinghouse for circuit court opinions]http://gsulaw.gsu.edu/metaindex

Most Wanted by the Secret Service The Most Wanted List by the U.S. Government http://www.ibb.gov/fugitives

National Criminal Justice Reference Service [Lists publications and links on corrections, courts, crime, drugs, international crime, and juvenile justice] http://www.ncjrs.org/

National Driver RegisterDangerous drivers; restricted access to database http://www.nhtsa.dot.gov/people/perform/driver

National Fraud Information Center [Portal to government agencies, professional associations and other resources] http://www.fraud.org/info/links.htm

Nationwide Telephone White Pages [Nationwide white pages for business and residential phones; also phone number reverse lookups]http://www.anywho.com/wp.html

Gaming Control Excluded Person List http://gaming.state.nv.us/loep_main.htm

Occupational Licensin [Occupational licensing requirements by state, occupation, and agency]http://www.acinet.org/acinet/lois_start.asp

Online Airport Database http://www.airstripamerica.com/

OSHA Accident Investigations http://www.osha.gov/cgi-bin/inv/inv1

Officer.com [Portal to law enforcement resources] http://www.officer.com/

Patent Collections[U.S., Europe, Japan] http://www.delphion.com/

Phone Company Identifier [Enter area code and 3 digit prefix to learn the name of phone company and geographic area] http://www.primeris.com/fonefind/

Police Reports - Fee[Retrieves police reports nationwide]http://www.rrsinfo.com/

Political Contributors [Contributors to political campaigns in the U.S.] http://www.tray.com/

Political Donations [Information on political donation sources of more than $200]http://www.opensecrets.org/ and http://www.fecinfo.com/

Professional Licenses [Directory of boards of professional and occupational licensure. Search by profession or jurisdiction. Covers both U.S. and Canada.]http://www.clearhq.org/boards.htm

Public Libraries [Lists public libraries by state] http://www.publiclibraries.com/

Self-Help Law Center [Do-it-yourself law] http://www.nolo.com/

Sex Offenders [State by state directory of sex offender registries]http://www.fbi.gov/hq/cid/cac/states.htm

Stolen Boats[Rewards offered]http://www.boatman.com/

Telephone Directories on the Web[Worldwide]http://www.infobel.com/teldir.asp?page=/eng/

Telephone Company Tracing [Tool for determining if a phone number is a land or cell line]http://www.fonefinder.net/

Television News Archives [Archives at Vanderbilt University; over 30,000 broadcasts]http://tvnews.vanderbilt.edu/

Tenant Screening http://www.accuratecredit.com

Time Zone Converterhttp://www.timezoneconverter.com/cgi-bin/tzc.tzc

Top 100 Newspapers [Links to the USA's top 100 newspapers] http://www.interest.com/top100.html


Important Decisions Demand ACCURATE Information

Thursday, November 17, 2005

Accurate Credit Bureau Landlord Advice




Ten Tips for Being a Successful Landlord
by Nolo.com





1. Don't rent to anyone before checking their credit history, references and background. Haphazard screening and tenant selection too often results in problems--a tenant who pays the rent late or not at all, trashes your place or moves in undesirable friends--or worse. http://www.accuratecredit.com


2. Get all the important terms of the tenancy in writing. Beginning with the rental application and lease or rental agreement, be sure to document important facts of your relationship with your tenants--including when and how you handle tenant complaints and repair problems, notice you must give to enter a tenant's apartment and the like.

3. Establish a clear, fair system of setting, collecting, holding and returning security deposits. Inspect and document the condition of the rental unit before the tenant moves in to avoid disputes over security deposits when the tenant moves out.

4. Stay on top of repair and maintenance needs and make repairs when requested. If the property is not kept in good repair, you'll alienate good tenants. And they may have the right to withhold rent, sue for any injuries caused by defective conditions, or move out without notice.

5. Don't let your tenants and property be easy marks for a criminal. You could well be liable for the tenant's losses. Landlords are sued more than any other group of business owners in the country. The average settlement paid by a landlord's insurance company is $1,000, and the average jury award is .2 million.

6. Respect your tenants' privacy. Notify tenants whenever you plan to enter their rental unit, and provide as much notice as possible, at least 24 hours or the minimum amount required by state law.

7. Disclose environmental hazards such as lead. Landlords are increasingly being held liable for tenant health problems resulting from exposure to environmental poisons in the rental premises.

8. Choose and supervise your manager carefully. If a manager commits a crime or is incompetent, you may be held financially responsible. Do a thorough background check and clearly spell out the manager's duties to help prevent problems down the road.

9. Purchase enough liability and other property insurance. A well-designed insurance program can protect your rental property from losses caused by everything from fire and storms to burglary, vandalism, and personal injury and discrimination lawsuits.

10. Try to resolve disputes with tenants without lawyers and lawsuits. If you have a conflict with a tenant over rent, repairs, your access to the rental unit, noise or some other issue that doesn't immediately warrant an eviction, meet with the tenant to see if the problem can be resolved informally. If that doesn't work, consider mediation by a neutral third party, often available at little or no cost from a publicly-funded program. If your dispute involves money, and all attempts to reach agreement fail, try small claims court where you can represent yourself. Use it to collect unpaid

Important Decisions Demand ACCURATE Information

Free Financial Directories on the Net


- INDUSTRIAL/FINANCIAL DIRECTORIES -


ABA Routing Numbers [You can run the ABA routing number on a check that identifies the financial institution it's drawn on via this Fed website; or you can call the Reference Desk at the ABA at 800-BANKERS]http://www.fedwiredirectory.frb.org/search.cfm

Aircraft Owners and Pilots Association [World's largest aviation association] http://www.aopa.org

Airline Certificate Information [Airline certificates by name] http://av-info.faa.gov/opcert.asp

Airport Profiles [U.S. airport data and information] http://www.airnav.com/airports

American Demographics/Marketing Tools [Access to archives of American Demographics and Marketing Tools magazines] http://amiga.adage.com/de/ad

ANYwhere Online's Market Research Center [Links to marketing tools] http://www.anywhereonline.com

Bank and Bank Officer Enforcement Actions http://www.occ.treas.gov/enforce/enf_search.htm

Banking Rate Monitor [Banking site with international info, newsletter, and calculators]http://www.bankrate.com/brm/default.asp

Bankruptcy Courts [Links, addresses, and telephone numbers]https://www.bankruptcydata.com/courts/courts.htm

Banks of the World German Banks Bizweb [Business web guide to almost 50,000 companies in over 200 categories] www.bizweb.com

BizWiz [A business supersite] http://www.clickit.com/touch/bizwiz.htm

Dun & Bradstreet Reports http://www.accuratecredit.com

Standard & Poor Online Registry http://www.standardandpoor.com

Foreign: [U.S. Dept. of Commerce] http://www.doc.gov

Graydon America [Business credit reports worldwide] http://www.graydonamerica.com

Business Wire [PR wire for business announcements - great for locating what information a company wants the public to know] http://www.businesswire.com

Charities Background Info [Profiles of charitable organizations from the BBB] http://www.give.org

Commodities Futures Traders [Search by NFA ID number, individual name, or firm name] Search Traders http://iws.ohiolink.edu/companies

Corporate Information [An extremely wide range of corporate/financial research tools]http://www.corpwatch.org/

Corporate Watch [How to research a transmational company] ResearchlCounty Information & Public Records Sources [County officials, courthouse addresses, and economic and demographic data] County Information CPA Directory [Online database of certified public accountants] http://www.cpadirectory.com

EIN Identifiers [Information from publicly-discosed Employee Retirement Income Security Act reports; EINs also called FEINs] http://www.freeerisa.com

EINs of Tax-Exempt Organizations: http://www.guidestar.com

Financial Web [Thorough business resource site] http://www.leadfusion.com

FDIC Banks Database [Financial info on banks in the U.S.] http://www2.fdic.gov/idasp/

Geographic Names Database [Names of over 2 million places in the U.S.] http://nsdi.usgs.gov

Green Book, The [Directory of Market Research Firms] http://www.greenbook.org

Homes for SaleFind a RealtorHome Values [Home sales prices in 29 states, searchable by address]http://www3.ambest.com/ratings/Advanced.asp

Language Line [Provides interpreters by phone - fee based ]http://www.languageline.com

Mortgage Brokers Database [Find a mortgage broker by zip code or state] http://www.namb.org/database/index.asp

NASD Brokers [Get background reports on NASD brokers] http://pdpi.nasdr.com/pdpi/disclaimer_frame.htm

National Association for the Self-Employed [Contains extensive resource list] http://www.nase.com

National Charities Information Bureau [Guide to 300 national charities] http://www.give.org

National Crime Victim's Center [Research on the effects of criminal victimization] http://www.musc.edu/cvc

National Customs Brokers and Forwarders (Searchable database of licensed customs brokers and freight forwarders) http://www.ncbfaa.org/scripts/search.asp

Nonprofit Clearinghouse [Almost a million nonprofits profiled; includes IRS info] http://www.guidestar.org

Profile CanadaInformation about Canada's largest 40,000 businesses www.profilecanada.com

Property Foreclosure Sales http://foreclosurefreesearch.com

Property Home Values http://homeradar.com

Research Edge [Marketing and business research - Fee based] http://www.researchedge.com

Small Business Resources [One of the best small-business resource sites] http://www.entrepreneurmag.com

Society of Competitive Intelligence Professionals[Association of competitive intelligence pros]http://www.scip.org

Swiss Bank Directory http://www.swconsult.ch/cgi-bin/banklist.pl

Tax Professionals Worldwide http://www.taxprofessionals.com


Important Decisions Demand ACCURATE Information

Wednesday, November 16, 2005

Free Investigative Directories on the Internet

Accurate Credit Bureau provides background checks for employers, businesses, and landlords. Order a background check on your prospective applicant for only $22.50 and receive:
• SSN and Identification Verification• Address Summary (last 15 years)• Others using SSN• Alias and AKA Information• Date/Locations where SSN Issued• Census Data• Bankruptcy Indicator• Property Ownership Indicator• Evictions• Criminal Records• Sexual Offenders • Corporate Affiliations Indicator • Tax Liens, Foreclosures & Judgments• UCC Filings• People at Work• *Driver License Info (*some States)• *Vehicle Registrations (*some States)• Property• Watercraft• FAA Pilots• FAA Aircraft• Professional Licenses• *Voter Registration (*some States)• Hunting/Fishing Permits• Concealed Weapons Permits•Associates• Relatives• Neighbors

INVESTIGATIVE DIRECTORIES ON THE INTERNET

Free Governmental Resource and Public Records Databases

Birth/Death Records [Birth/death records by state] http://www.health.state.pa.us/HPA/obd.htm

Census Information [Massive site of Census Bureau] http://www.census.gov

Center for Investigative Reporting Nonprofit group for promoting investigative journalism http://www.muckraker.org

Chiefs of State and Cabinet Members of Foreign Governments [CIA-sponsored directory] http://www.odci.gov/cia/publications/chiefs

CIA World Factbook [Reference tool for background information on countries] http://www.cia.gov/cia/publications/factbook/index.html

Commerce Business Daily [U.S. Government's list of all bids and contracts and announcement awards] http://cbdnet.gpo.gov

Congressional Email Directory [Email addresses of U.S. Senators and Representatives] http://www.webslingerz.com/jhoffman/congress-email.html

County Government Information Portalhttp://www.naco.org

Directory of State Constitutions and State Codes http://www.law.cornell.edu/statutes.html

Documents Center [University of Michigan's excellent document clearinghouse] http://www.lib.umich.edu/govdocs/index.html

Email Members of Congress http://www.mrsmith.com

Embasies Worldwide [Directory and search engine of the world's embasies and consultates] http://www.escapeartist.com/embassy1/embassy1.htm

Federal Depository Library Gateway http://www.access.gpo.gov/su_docs/aces/aaces004.html

Federal Judiciary Homepage [Links to all federal court websites nationwide] http://www.uscourts.gov/links.html

Foreign Agent Registrations http://www.usdoj.gov/criminal/fara/

Foreign Government Links http://www.pimall.com/nais/l-foreigngov.html

Government Guide [Comprehensive guide to government services nationwide] http://www.governmentguide.com

Governments on the WWW [Links to government sites worldwide] http://www.gksoft.com/govt/en

GPO Pathway Services [Government sites listed by topic] http://www.gpoaccess.gov/

INS Sanctions Database [Businesses which have been fined by the INS for hiring illegal aliens] http://www.cis.org/sanctions

Interpol [International police organization] http://www.interpol.int

Mayors at a Glance Database http://www.usmayors.org/uscm/search/database_search_form.html

National Technical Information Service Database http://www.ntis.gov/search.htm

OSHA Inspections [Enter a business's name to determine if OSHA has inspected it.] http://www.osha.gov/cgi-bin/est/est1

Passport Services and Information [U.S. Dept. of State website] http://travel.state.gov/passport/index.html

SSA's Death Records Master File http://www.ancestry.com/ssdi/advanced.htm

State and Local Government on the Net Directory [A guide to government-sponsored Internet sites] http://www.statelocalgov.net/index.cfm

State Facts and Information [Economic, demographic and current political info for all states; also provides current news for each state] http://www.stateline.org/

State Public Records [State by state directory of public records online sources] http://www.crimetime.com/bbostate.htm

U.S. Government Documents [Searchable database includes Commerce Business Daily, Budget of the U.S. Government, Congressional Record Index, Federal Register, and Unified Agenda, among others] http://gpo.sailor.lib.md.us/bin/GPOAccess.cgi

U.S. Government Publications http://www.gpo.gov

U.S. Government Telephone Listings[Directory assistance]http://www.dexonline.com

U.S. Military Domain Owners [U.S. Military domain name registration information] http://www.nic.mil/dodnic

U.S. Patents [Database of U.S. Patent Office filings] http://www.uspto.gov/web/menu/search.html

U.S. Trademarks [Search registered, pending and expired trademarks] http://www.uspto.gov/web/menu/tm.html

Who's Who in the Federal Government [Bios going back to 1774] http://exlibris.memphis.edu/resource/unclesam/whos.html

Zip+4 Code Lookup http://www.usps.gov/ncsc/lookups/lookup_zip+4.html


Important Decisions Demand ACCURATE Information

Tuesday, November 15, 2005

Cell Phone Tracing

Accurate Credit Bureau now offers cell phone tracing. With a name, address, and phone number, clients of Accurate Credit Bureau can track down dates, times, and lengths of cell phone calls.

All Search Results:
Same day on orders received by 4pm E.S.T.
Guaranteed to be accurate, and current
No data returned, No Charge for the Search

Reverse Cell Phone Number Lookup $100.00
Find Current Cell Phone Number $150.00

Give us the name and any combination of address or SSN and we will send you the working cell phone number.
Cell Phone Call Record $200.00
Give us the cell phone number and we will send you the calls made from the cell phone number.



Important Decisions Demand ACCURATE Information

Monday, November 14, 2005

Landlord Tenant Law and Information

Legal disputes are an inevitable event between landlords and tenants in the landlording business. Accurate Credit Bureau feels it is essential that you know and understand your responsibilities and legal rights as a landlord before taking any landlord-tenant issue(s) to the next step. Accurate Credit Bureau also feels it is vital that you know and understand your tenant's responsibilities and legal rights as well. There are very strict guidelines, procedures and timeframes which must be followed in order to be successful. Accurate Credit Bureau strongly encourages every landlord to seek the legal counsel of a qualified attorney before starting any legal action(s).

Alabama Landlord Tenant Law
Alaska Landlord Tenant Law
Arizona Landlord Tenant Information
Arizona Landlord Tenant Law
Arkansas Landlord Tenant Law
California Landlord Tenant Law
California Department of Real Estate - Landlord Tenant Matters
Colorado Landlord Tenant Law
Connecticutt Landlord Tenant Law
Delaware Landlord Tenant Law
Florida Landlord Tenant Law Tenant Rights
Georgia Landlord Tenant Laws
Hawaii Landlord Tenant Code
Idaho Landlord Tenant Laws
Iowa Landlord Tenant Laws
Illinois Landlord Tenant Laws
Indiana Landlord Tenant Laws
Kansas Landlord Tenant Laws
Kentucky Landlord Tenant Law
Louisiana Landlord Tenant Law
Maine Landlord Tenant Law
Maryland Landlord Tenant Law
Massachusetts Landlord Tenant Law
Michigan Landlord Tenant Law
Minnesota Landlord Tenant Law
Mississippi Landlord Tenant Law
Missouri Landlord Tenant Law
Montana Landlord Tenant Law
Nebraska Landlord Tenant Law
Nevada Landlord Tenant Law
New Hampshire Landlord Tenant Law
New Jersey Landlord Tenant Law
New Mexico Landlord Tenant Law
New York Landlord Law and Tenant Rights
North Carolina Bar Association
North Dakota Landlord Tenant Law
Ohio Landlord Tenant Law
Oklahoma Landlord Tenant Law
Oregon Landlord Tenant Law
Pennsylvania Landlord Tenant Law
Rhode Island Landlord Tenant Law
South Carolina Landlord Tenant Law
South Dakota Tenants Rights Landlord Law
Tennessee Landlord Tenant Law
Texas Landlord Tenant Law
Utah Landlord Tenant Law
Vermont Landlord Statutes
Virginia Landlord Tenant Law
Washington D.C. Tenant Rights Landlord Law
Washington Landlord Tenant Law
West Virginia Landlord Tenant Law
Wisconsin Landlord Tenant Law
Wyoming Real Estate Statutes

Important Decisions Demand ACCURATE Information

Saturday, November 12, 2005

Free Rental Applications and Landlord Forms

Accurate Credit Bureau now offers free rental applications for landlords, real estate agents, and property managers. Landlords can download in either microsoft word or adobe PDF from Accurate Credit Bureau's website http://www.accuratecredit.com/html/freerentalapplications.html.
Also available are Rental Leases, Applicant Denial Letters, Co-signer Agreements, and other Landlord helpful forms.

Important Decisions Demand ACCURATE Information

Friday, November 11, 2005

Soldiers Angels Valour IT Project

Accurate Credit Supports and Donates to the Soldiers Angels Organization. On this veteran's Day ACB would like to remind Americans about a special Soldiers Angels Project called Valour-IT, in memory of SFC William V. Ziegenfuss. This program provides voice-controlled software and laptop computers to wounded Soldiers, Sailors, Airmen and Marines recovering from hand and arm injuries or amputations at major military medical centers. Operating laptops by speaking into a microphone, our wounded heroes are able to send and receive messages from friends and loved ones, surf the 'Net, and communicate with buddies still in the field without having to press a key or move a mouse. The experience of CPT Charles "Chuck" Ziegenfuss, a partner in the project who suffered hand wounds while serving in Iraq, illustrates how important this voice-controlled software can be to a wounded servicemember's recovery. Visit http://soldiersangels.org/valour/howitworks.html to donate.

Important Decisions Demand ACCURATE Information

Thursday, November 10, 2005

Directions to your Rental


Tired of giving directions over the phone. Print directions or have your prospective tenants use Mapquest or Automobile Club's Map Directions to find you.

  • Mapquest

  • AAA Map Directions








  • Important Decisions Demand ACCURATE Information

    Why the landlord pays water

    Am I responsible for my tenant's water bill?

    Property owners are responsible for any and all water, sewer, and refuse charges incurred by tenant's occupying your property unless you, your tenant, and the City enter into a Landlord-Tenant Agreement. This agreement transfers liability for any and all charges to that particular tenant. The City may require that the tenant pay to the City an appropriate deposit for water, sewer, and refuse services as part of this agreement. Owners interested in this type of agreement should contact Customer Services or consult your local Water & Rate Sewer Ordinance for details. Failure by an owner to comply with the provisions of the Ordinances as they pertain to Landlord-Tenant Agreements shall cause any disclaimer of liability to be null and void and of no effect.

    So, the reason most landlords don't charge tenants for water, is because they would have to re-form this legal relationship between landlord, tenant, and city every single time the tenant moved out. I am certain the city has no interest in encouraging this behavior.

    Important Decisions Demand ACCURATE Information

    Online Credit Reports and Background Checks

    Tenant screening is available with immediate results at www.accuratecredit.com

    Enter your prospective tenants information and within seconds you can have their credit reports, evictions reports, statewide criminal and national criminal searches from our online system.

    We also offer Eviction Notice results if they ever have been evicted you will know. Our criminal background checks are more in depth than others providing options for Felonies, Misdemeanors, and searches to the National Sex Offenders, F.B.I. Most Wanted and F.B.I. Terrorist database.

    Online members receive these benefits:
    Results returned in approximately 10 seconds
    Easy to read Credit Reports
    Instant Credit Reports
    Instant Eviction Searches
    Instant Criminal Reports
    Instant tenant evaluation
    Retrieve hardcopy
    No software to install
    Instantly sign leases
    Fill vacancies faster

    Trust Accurate Credit Bureau for your Tenant Screening and Background Check needs and have peace of mind when renting out your income properties!

    Volume Pricing Available to large Accounts

    Click Here to start screening your tenants!

    Important Decisions Demand ACCURATE Information

    Wednesday, November 09, 2005

    Landlord Credit Reports and Tenant Screening


    If you're a landlord, you may use consumer reports to evaluate rental applications - as long as you follow the provisions of the Fair Credit Reporting Act (FCRA). The FCRA is designed to protect the privacy of consumer report information and to guarantee that the information supplied by consumer reporting agencies (CRAs) are as accurate as possible. The FCRA requires landlords who deny a lease based on information in the applicant's consumer report to provide the applicant with an "adverse action notice" or denial letter. Accurate Credit Bureau provides "adverse denial notices" and several other free landlord forms from its' website www.accuratecredit.com

    What is a Consumer Report?
    A consumer report contains information about a person's credit characteristics, character, general reputation, and lifestyle. A report also may include information about someone's rental history, such as information from previous landlords or from public records like housing court or eviction files.

    To be covered by the FCRA, a report must be prepared by a CRA - a business that assembles such reports for other businesses like Accurate Credit Bureau. Landlords often use consumer reports to help them evaluate rental applications.
    These reports include:
    A credit report from one of the three major credit bureaus': Trans Union, Experian, and/or Equifax.
    A report from a tenant-screening service that describes the applicant's rental history based on reports from previous landlords or housing court records; Eviction Report or Unlawful Detainer Report.
    A Background Check which verifies identity.

    Landlords often ask applicants to give personal, employment and previous landlord references on their rental applications. Whether verifying such references is covered by the FCRA depends on who does the verification. A reference verified by the landlord's employee is not covered by the Act; a reference verified by an agency hired by the landlord to do the verification is covered.

    What is an Adverse Action?
    An adverse action is any action by a landlord that is unfavorable to the interests of a rental applicant. Common adverse actions by landlords include:
    Denying the application; Requiring a co-signer on the lease; Requiring a deposit that would not be required for another applicant;Requiring a larger deposit than might be required for another applicant; and Raising the rent to a higher amount than for another applicant.

    When an adverse action is taken that is based solely or partly on information in a consumer report, the FCRA requires you to provide a notice of the adverse action to the consumer. The notice must include:the name, address and telephone number of the CRA that supplied the consumer report, including a toll-free telephone number for CRAs that maintain files nationwide; a statement that the CRA that supplied the report did not make the decision to take the adverse action and cannot give the specific reasons for it; and a notice of the individual's right to dispute the accuracy or completeness of any information the CRA furnished, and the consumer's right to a free report from the CRA upon request within 60 days. Disclosure of this information is important because some consumer reports contain errors.
    The adverse action notice is required even if information in the consumer report was not the main reason for the denial, the increase in security deposit or rent or other adverse action. In fact, even if the information in the report plays only a small part in the overall decision, the applicant still must be notified.

    The adverse action notice must name the CRA that provided the report to the landlord, even if the information came from another CRA. For example, a report from XYZ TenantScreen includes a credit report from ABC Credit Bureau. The credit report includes negative information that prompts the landlord to turn down the rental application. The adverse action notice should name XYZ TenantScreen as the CRA because XYZ TenantScreen actually provided the report to the landlord. The notice also can explain that XYZ TenantScreen got the credit information from ABC Credit Bureau, but that is not required under the FCRA.

    While oral adverse action notices are allowed, written notices provide proof of FCRA compliance.
    Take the Case of...
    1. A landlord who orders a consumer report from a CRA. Information contained in the report leads to further investigation of the applicant. The rental application is denied because of that investigation.Since information in the report prompted the adverse action in this case, an adverse action notice must be sent to the consumer.
    2. An applicant with an unfavorable credit history, like past-due credit accounts, who is denied an apartment. Although the credit history was considered in the decision, the applicant's poor reputation as a tenant in his current location played a more important role.The applicant is entitled to an adverse action notice because the credit report played a part, however minor, in the denial.
    3. A person with an unfavorable credit history, like a bankruptcy, but no other negative indicators, who applies for an apartment. Rather than deny the application, the landlord offers to rent the apartment, requiring a security deposit that is double the normal amount.The applicant is entitled to an adverse action notice because the credit report influenced the landlord's decision to require a higher security deposit from the applicant.
    4. A landlord who hires a reference-checking service to verify information included on a rental application. Because the service reports that the applicant does not work for the employer listed on the application, the rental application is denied.The applicant is entitled to an adverse action notice. The report is a consumer report from a CRA (the agency checking the references provided by the consumer on the application), and its report influenced the landlord's decision to deny the application.
    5. A landlord who makes it a practice to approve an application if the prospective tenant shows an adequate income or has a favorable credit report, is dealing with an applicant who has an inadequate income and a bad credit report.The applicant is entitled to an adverse action notice because the credit report influenced the denial, even though income was another factor.
    Non-Compliance with the FCRALandlords who fail to provide required disclosure notices face legal consequences. The FCRA allows individuals to sue landlords for damages in federal court. A person who successfully sues is entitled to recover court costs and reasonable legal fees. The law also allows individuals to seek punitive damages for deliberate violations of the FCRA. In addition, the Federal Trade Commission (FTC), other federal agencies and the states may sue landlords for non-compliance and get civil penalties.However, a landlord who inadvertently fails to provide a required notice in an isolated case has legal protections, so long as he or she can demonstrate "that at the time of the . . . violation he maintained reasonable procedures to assure compliance" with the FCRA.

    For More InformationIf you have questions about the FCRA or would like a copy of the Act, call toll-free, 1-877-FTC-HELP (1-877-382-4357). You also can find the Act online at www.ftc.gov. Click on Business Guidance.Your Opportunity to Comment The Small Business and Agriculture Regulatory Enforcement Ombudsman and 10 Regional Fairness Boards collect comments from small business about federal enforcement actions. Each year, the Ombudsman evaluates enforcement activities and rates each agency's responsiveness to small business. To comment on FTC actions, call toll-free 1-888-734-3247.The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.FEDERAL TRADE COMMISSION FOR THE CONSUMER 1-877-FTC-HELP www.ftc.gov

    Free Credit Reports

    This central site www.annualcreditreport.com allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. You can also request your report by phone or mail. Monitoring and periodically reviewing your credit report is an effective tool in fighting identity theft.

    Accurate Credit Bureau Explains Need For Employment Background Checks


    Accurate Credit Bureau explains that, depending on your state and nature of business you are in, employee background checks may or may not be mandated by law. In businesses that deal with seniors or children, Federal Law requires background checks on all employees and/or volunteers. The reasons are obvious; the Federal government wants to insure that those served are safe and employers need to safeguard themselves against negligent lawsuits. With the rise of lawsuits for negligence, many employers are considering employee background checks a standard part of their Human Resource guidelines. Another type of pre-employment screening includes a credit report. This method requires consent from your prospective employee under the Fair Credit Reporting Act (FCRA) and it is imperitive employers provide notice to the applicant prior to conducting the pre-screening background check. Having the proper consent forms and understanding what information can and cannot be used in the hiring process is just as important as gaining the information. Accurate Credit Bureau provides Background Checks, Criminal Record Reports, Credit Reports, DMV Driving Records, and Reference Verification for employers and businesses through out the United States from their website www.accuratecredit.com. For more information contact them directly at (626) 798-6670.

    Tuesday, November 08, 2005

    Accurate Credit Bureau Adds Online Access

    Accurate Credit Launches Online Access for Real Estate and Property Managers
    PASADENA, CA -- (INTERNET WIRE) – 11/08/05 -- Accurate Credit Bureau launches real time access of credit reporting and background information from its web site, http://www.accuratecredit.com. Now, Real Estate Agents, Property and Apartment Managers can access credit reports, criminal record reports, and background checks 24/7 from the convenience of their computer via the internet! Discounted Pricing is available for Volume Users. The web site also has free downloadable rental applications for landlords and complementary employment applications for businesses as well as a tutorial on reading and interpreting credit reports.
    Accurate Credit Bureau provides tenant credit reports, criminal record reports, eviction reports, and background checks nationwide for landlords, property managers, and real estate agents; and employee credit reports, DMV records, criminal background checks, and pre-employment reference verification for businesses across the country. This month, they are waiving all online set-up fees (normally $100) and single credit reports start at only $13.50* and are processed instantly.
    Accurate Credit Bureau is located in Pasadena, California. The company strives to get their clients the information they need fast, inexpensively and reliably, and to provide the best customer support possible. With Accurate Credit Bureau property managers and real estate agents can make important decisions quickly, informed, and easily. For additional information on Accurate Credit Bureau or its services that they offer call (626) 798-6670.
    *Volume Pricing Available
    Contact: Jeff Bader or James Kim
    Company: Accurate Credit Bureau
    Phone: 626-798-6670
    Email: accuratecb@aol.com

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