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In this article we’re going to cover one of the most common types of fraud and unfortunately the easiest one to get away with.

How many times has this happened to you? You see an ad in the paper for something that’s on sale for a ridiculously low price. You rush down to the store to get this item before it’s gone and sure enough when you get there, no matter how early it is, the item is gone. And then after you find this out the salesperson says to you something like, “But we have one just as good over here.” Turns out the item is 4 times the cost and not as good. You’re angry enough to strangle someone. But ultimately you end up getting the other item because you don’t want the trip to be a total waste. This is known as the bait and switch and is one of the most common types of fraud.

The reason it is fraud is because the item in the paper never really existed. Oh, have a great time trying to prove that, because in most cases you can’t, but it’s fraud just the same. And it goes on everyday. The truth is, most of those too good to be true deals that you see in the paper are most likely going to turn out to be bait and switch items.

Probably the most common practitioners of this are car dealerships. Open up the paper and the ads are as large a whole page at times. And then you’ll see a car that normally sells for about $21,000 on sale for an insane price of $17,000. As your eyes are bugging out of your head you grab the paper so you can show the exact car you want to the sales person and rush out of the house like a bat out of hell. Then you get to the dealership, and most likely because of the ad the place is packed and you’re waiting an hour for someone to even wait on you, and then finally when you do get a hold of the sales person he regrets to inform you that the car has already been sold. Your jaw sinks to the floor but before you can turn to leave the sales person points to a model that is very similar to the car you wanted. He tells you about all the wonderful features and then you notice the price tag is about $20,000. While it’s less than what the model normally goes for it’s still nowhere close to what you were hoping to pay. But, because you don’t want the trip to be a total waste, you buy the car. The bait and switch worked like it does so many times.

There isn’t really a lot you can do about this. You can report it but most likely the dealership will have documents to prove that the original car in the ad was sold. Your best prevention of this type of fraud is just to be on the look out for it. If you see an ad in the newspaper that appears too good to be true then most likely it is.

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Michael Russell
Your Independent guide to Fraud
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YOU APPLIED FOR SOCIAL SECURITY DISABILITY AND YOUR CLAIM WAS DENIED AND YOU WONDER IF YOU SHOULD APPEAL?

The answer is if you are working you usually cannot obtain disabilty especially if you make more than $800.00 per month. Also, if your disabilty is temporary less than 12 months in duration then you cannot obtain disabilty. You also have to have a severe impairment in order to qualify. The impairment would be such that it prevents you from working. If you are under age 50, then it is difficult to obtain disability if you retain the capacity to any form of light work. If you are over 50 but yet 55, it can also be difficult to obtain disability if you can still do light work.

WHEN SHOULD I TALK TO AN ATTORNEY ABOUT MY CASE?

If you feel you have a meritorious case, then you should call an attorney who specializes in Social Security Disability. He will screen your case and will advise you if it is worthwhile to continue to appeal.

Gerald G. Lutkenhaus has been representing disabled people in Social Security Hearings for over 25 years. He has been given Martindale and Hubbell’s highest rating for his legal work.

jervalaw@aol.com

Everything. In order to evaluate liability, a trial lawyer must be able to figure out your speed, the time it took to arrive at the accident point and the distance you travelled from one point to another.

We only need two out of the three elements to figure out the third. For example, if you travelled 100 feet in 10 seconds, we can easily calculate your speed. If you were travelling at 50 miles per hour, and you drove 1/4 mile, we can calculate exactly how long it took for you to travel that distance.

Speed, time and distance are crucial in determining liability in your case. What do you think the outcome would be in a case if you didn’t exactly know your speed, and you testified that you were travelling at 10 miles per hour, and it took you 2 minutes to travel 100 feet. Obviously, the numbers you recall or estimate are not accurate because they are totally inconsistent with physics.

Keep in mind that it’s not always crucial for you to know exactly all the details involved in your accident. There are usually other witnesses involved who can add to whatever information you have. Anyway, when your credibility is at stake, you must tell the truth, and understand that while driving you are not looking to calculate speed, time and distance in anticipation of a pending accident or lawsuit.

Attorney Oginski has been in practice for 17 years as a trial lawyer practicing exclusively in the State of New York. Having his own law firm, he is able to provide the utmost in personalized, individualized attention to each and every client. In our office, a client is not a file number. Client’s are always treated with the respect they deserve and expect from a professional. Mr. Oginski is always aware of every aspect of a client’s case from start to finish.

Gerry represents injured people in injury cases and medical malpractice matters in Brooklyn, Queens, New York City, the Bronx, Staten Island, Nassau and Suffolk Counties. You can reach him at http://www.oginski-law.com, or 516-487-8207. All inquiries are free and totally confidential.