The IDentity Theft Experts
"We Do Everything but Steal It"


We help individuals and businesses with all areas ID Theft before, during and after.

We aid victims of ID Theft, Medical Fraud, Credit-related issues,
utilities/phone fraud, character/criminal ID take-over and more.

We are a consulting/solutions firm
dedicated to helping small businesses succeed in today's challenging business climate where we handle so much information during the course of a normal business day.

We offer services on Business, Compliance, Legal & ID Theft. Compliance issues that we address for businesses include the ID Theft areas of law such as 'FACTA',
'Gramm-Leech-Bliley', the 'Red Flag Rules',
and the FTC's 'Safeguards Rule'.


Services we provide:

~ "ID Theft Red Flag Rules" Solutions

~ IDentity Theft Keynotes: free and for-fee
:
    ~ Corporate ID Theft Consulting
    ~ Business Compliance Consulting & Solutions

    ~ Individual & Group Voluntary Benefits:

    • Attorney Access Plans by Pre-Paid Legal Services, Inc.
    • IDentity Theft Restoration Coverage by KROLL Worldwide
    ~ Affirmative Defense Response Plans
    ~ Employee Training & Education

    ~ Emergency ID Theft Victim Help & Consultation


    ~ NYSE Co. Business & Career Opportunities
     




    Seminars and Educational Classes on IDentity Theft

    We provide free and fee-based education and Keynotes to the community on ID Theft. We educate through consultations, articles, white papers, seminars, press-releases, risk analysis assessments, and business networking events such as 'Lunch & Leads' and lunch & learn classes.

    Seminar Topics include:

    • "Safe Data is Profitable Data: Privacy over Profit"
    • "What your Employees don't Know could Hurt you"
    • "ID Theft Risks of Social Networking"
    • "Way Beyond Shredding: How to Prevent ID Theft"
    • "Your Information is Already Out There"
    • "Red-Flag Rules and Subsequent Fall-Out"
    • "How to stop ID Theft in it's tracks"
    • "Why I won't Post my Social on a Bus: ID Theft Product Mayhem"
    • "How to Protect your Children from ID Theft "
    • "Scams on Seniors"
    • "ADRS" Affirmative Defense Response System
    • "ID Theft Facts, Stats and other Things that go Bump in the Night"


    Aspen Morrow- President- is available for humorous and informative ID Theft Keynotes, media interviews, speaking engagements for banks, and other seminar settings. She is a member of the Nampa Chamber of Commerce and an ambassador for the Caldwell Chamber of Commerce.

    Clients Include:
    • Intermountain Community Bank
    • Bank of the Cascades
    • State Controller's Office
    • Governor's Business Opportunity Conference
    • Association of Government Accountants [AGA]
    • National Association of Insurance and Financial Advisors [NAIFA]
    • Kiwanis
    • Rotary Clubs
    • Senior Centers
    • Nursing Homes
    • Nampa Chamber of Commerce
    • Caldwell Chamber Business Expo

    Fund-raising events are available for not-for-profit agencies. Aspen Consulting & Associates supports Computers for Kids to help every child have the competitive advantage they need to grow up and be entrepreneurs. A portion of all sales go to help aid victims of ID Theft.

    Emergency ID Theft Victim Help and Free Consultation

    When you are a victim of ID Theft, lose your wallet, or find out someone has acquired a piece of your information without your permission, it can be difficult to know what to do. We are here to help with emergency packets on hand, advice on what to do, and help to get you through it.  Our services for emergency cases are free; the last thing a ID Theft Victim needs is someone trying to take further advantage of them by charging them to help. A portion of all ID Theft coverage sales go to aid victims who did not have a policy in place when their identity was stolen.


    For Victim help after hours go to: www.ftc.gov/idtheft

    Fighting Back Against Identity Theft - Federal Trade Commission

    "The Only Thing Necessary for Evil to triumph Is for Good Men to do Nothing."--Unknown

    Please, If you or anyone you know are a victim of Identity Theft or suspect that your information could have been mishandled, let us guide you through the necessary steps to restore your identity and help you get your life back.

    When you are a victim of ID Theft you will need someone who cares. Local agents, local solutions.  The link below has more valuable information:



    Small Business Consulting- Helping your Business Grow

    We are committed to seeing small businesses succeed in the Treasure Valley. We provide free networking events for small business owners and help you expand your client base. We want to help you grow and protect your business.

    Our Consulting Services, through a business legal plan, provide access to the experts your business needs to get the advice you need. We know your business is always on your mind. You are your CEO, HR Manager, Book keeper, and Accountant. It is hard to afford to surround yourself with the experts that large corporations can afford, but that does not mean you don't need help.

    Use our consultants around the clock to get your questions answered. You work around the clock, so do we. We are your Accountants, Lawyers, PR Firm, Sales & Marketing department,  Insurance Agent,  IT Techs, HR Experts, and Compliance Center, all for a price less than one of the above. When you need information on starting a new business, tax & accounting, legal, sales & marketing, human resources, technology, investments, incorporation, motivation, and compliance issues, we are here to help through our access to a company called GoSmallBiz.com out of Atlanta, GA.

    Business Legal plans range between $40/mo. up to $150.00/mo with 50 or more employees.
     


    www.GoSmallBiz.com


    Consulting Services Provided by GoSmallBiz.com, a leading consulting firm in Georgia and are included with the Business Owners Legal Solutions Plan, The Legal Plan for the Self Employed, and the Home-based Business rider provided by Pre-Paid Legal Services, Inc.

    Legal Service Plans by Pre-Paid Legal Services, Inc
    Aspen Consulting is an independent associate representing PPL services
     
    If you have an IDentity Theft situation, you first and foremost have a legal situation.
    We provide access to a nationwide network of attorneys who have partnered with KROLL Worldwide to aid our victims with the legal ramifications of ID Theft nationwide. Prepaid Legal plans have now been endorsed by the Nation Association of Attorneys General [NAAG].
             

     

    LEGAL EMPOWERMENT FOR YOUR LIFE
    Your Family • Your Will • Your Money • Your Retirement • Your Car

    Have you ever…

    • Thought about writing or revising your Will?
    • Purchased a home?
    • Signed something you didn’t understand?
    • Paid a bill you thought was unfair?
    • Received a traffic ticket you thought was unjustified?
    • Had any type of legal question? 

    If you answered YES to even one of these questions you could benefit from a Pre-Paid Legal Family Plan.  We bring “Justice for All” to over 1.5 North American families.

    America has become a country where the litigious climate is ready to explode. We house 80% of the world's attorneys for only 5% of the population. In Europe, where 80% carry a legal service plan, and they are as common as car insurance, frivolous lawsuits are almost unheard of. Could giving everyone their very own attorney really be the answer to this epidemic? We think so. People are dying for our rights, yet we cannot even afford to call an attorney to find out what our rights are. There is an unbalance in the justice system, you can only get the amount of justice you can afford, and the color of justice is green.  We have the solution to this problem, and are bringing back "justice for all". We cannot put a price on our rights or our freedoms, but we can put a price on being able to access them and protect them. Each plan membership even allows you to get your will done included with membership! No contracts, no cancellation fees.

    Family Legal Plans are $26/mo or less per family
    Business Legal plans range between $40/mo. and $150.00/mo with 50 or more employees.

    Click Here for more info or to sign up

    Legal Service Plans are administered by Pre-Paid Legal Services, Inc., a NYSE company founded in 1972 that pioneered the legal service plan industry.

    Identity Theft Solutions: Prevention/Detection/Restoration

    "The phone book is the best source of information." --Convicted ID Theft

    IDentity Theft is the fastest growing crime in America with the FTC predicting more than 15 million new victims in the next year.  There is a new ID Theft victim every 2 seconds, and it is a crime that can take years to discover. There are five types of ID Theft that can destroy your IDentity.
    • Financial/Credit Card ID Theft (only 26%)
    • Driver's License ID Theft
    • Social Security ID Theft
    • Character/ Criminal ID Theft
    • Medical ID Theft
    Last year alone one in eight reported being a victim of ID Theft to the FTC, and there are many more who do not even know they are already a victim. Most people do not find out until it is too late. Some of the problems that arise from IDentity Theft:
    • You are arrested for a crime you did not commit, even serve someone else's life sentence.
    • You are forced to file bankruptcy for someone else's spending.
    • Your character is ruined and your reputation destroyed.
    • You owe taxes for someone working under your social security number, or someone withdraws early retirement benefits.
    • Your medical insurance is maxed and canceled.
    • You are denied admittance at a hospital, or given the wrong treatment.
    • Your medical record is altered and it affects treatment and insurance underwriting.
    "It is so very simple to be anyone you please, on any given morning you awake."
    --James Rinaldo Jackson (ID Thief)

    When you become a victim of IDentity Theft you are going to need more than help from the police.  If you are arrested during a routine traffic stop, you are going to need access to an attorney, and a team of investigators going to work immediately on your behalf. We provide all this for you with our Legal Service Plan and ID Theft coverage for only $35.95/mo. for your entire family. You cannot afford to lose your IDentity. If you think anti-virus or anti-spyware protection is important for your computer, how much more valuable are you?

    For More Information or to sign up:

    Identity Theft Services provided by Kroll, Inc. Kroll Background America is a NYSE Co. with 30 yrs. experience in Risk Management


    All a thief needs is a name and an address to steal your identity. Can you protect yourself?

    Call for a free 15 min. consultation and risk analysis.

    Voluntary Employee Benefit Options

    Pre-Paid Legal Employee Benefit

    Employers, how are you Attracting & Retaining Quality
    Employees?
    As an employer, have you ever:
    1. Had an employee take time off work for personal legal or identity theft related
    issues?
    2. Lost productivity because of an employee's loss of focus on the job?
    3. Had to deal with complicated administrative forms and deductibles with your
    employee benefits?

    If you answered yes to any of these questions, we may be able to help.
    With a Pre-Paid Legal plan, your employees will have direct toll free access to a
    carefully selected provider law firm for legal issues. With the Identity Theft Shield,
    they can rest assured knowing conspicuous activity on their credit report is being
    monitored. If their identity is stolen, we not only provide counsel, we'll work to
    restore their identity for them. This leaves them free to focus on their job, not their
    problems.

    On Site Enrollment
    At your convenience, a specially trained representative of Pre-Paid Legal will make
    an on-site visit and conduct benefits briefings and enrollment sessions with your
    employees.
    For more information, please contact Aspen Consulting

    Simple Administration

    A Pre-Paid Legal plan is easy to implement. We know how difficult benefits
    administration can be, so we’ve made it easy for you.
    1. No long-term contract
    2. No claim forms
    3. No deductibles
    4. No time consuming administrative duties
    5. No cancellation forms
    6. Once a month billing
    7. Electronic enrollment and paperless billing options
    8. One rate for any size family
    9. Portable benefits

    Your employees simply enroll by completing the application and their coverage
    begins immediately.

    Why Offer Prepaid Legal as a Benefit
    Employees don’t merely shop employers. They shop benefits. A Pre-Paid Legal plan
    gives you a competitive advantage for recruiting new employees and keeping them.

    A proven concept in employee benefits:
    Pre-Paid Legal is a leading provider of legal service plans in North America. A pioneer
    in the legal service plan industry in North America, we have the experience and
    proven service record to save you and your employee’s time and money.

    How the Legal Service Plan Works:

    Members are served by a provider law firm, which has been carefully screened and
    selected by Pre-Paid Legal. To use the plan, members simply call their provider law
    firm directly at the toll-free number on their membership card when they have a
    legal question or problem. It’s really that simple. Pre-Paid Legal does all the work; no
    flipping through a yellow-page style catalog for a qualified lawyer; no claim forms,
    no worries about being able to afford a lawyer –just peace of mind.

    Identity Theft – America’s Fastest Growing White Collar Crime:

    On average, identity theft victims will spend $1,500 in out-of-pocket expenses and
    an average of 175 hours in efforts to resolve the many problems caused by this
    crime. - Federal Trade Commission: When Bad Things Happen to Your Good Name,
    September 2002.

    Help your employees take steps to protect their personal and financial well being
    with this exceptional product. Generally other identity theft plans will provide
    coverage for a specific credit card or bank account. We help your employee with all
    issues related to identity theft. Other plans will provide assistance, tell your
    employee how to handle certain issues, and provide them with forms, but we will
    actually do most of the work it will take to restore your employee’s identity if it is
    stolen! Benefits include:
    1. Credit Reports
    2. Continuous Credit Monitoring
    3. Identity Restoration
    With the Identity Theft Shield you’re backed by toll-free access to experienced
    professionals from a division of the world’s leading risk consulting company, Kroll
    Background America.
    Please visit our web site at www.aspenmorrow.com "emplyee benfit plans" for full information and exclusions that may apply.


    Aspen Morrow- President
    Chris Morrow- CEO

    Office- 208.467.0358
    Cell- 208.870.9238

    Aspen@TheIDentityTheftExperts.com

    Deter. Detect. Defend. Avoid ID Theft - Play Video
    Video
    A 10-minute educational video that provides an overview of identity theft and outlines the steps consumers can take
    News: Delay in Red Flag Rules Enforcement until August 1st!

    May 1st, 2009 - The Federal Trade Commission issued an announcement
    that it will suspend enforcement of the new “Red Flags Rule” again.... this time until August 1st, 2009
    to give creditors subject to FTC jurisdiction additional time in which to develop and implement written identity theft prevention programs.

    Today’s  announcement included a statement by the Federal Trade Commission that they will release a free template for use by organizations who know their customers personally.  Others that create relationships with persons with whom they do not have personal knowledge will still need to put the full plan in place.

    Aspen Consulting has a SYSTEM to help your business meet the compliance standards. SYSTEM stands for: Save Yourself Time Energy and Money by calling for a FREE consultation on how we can help your business meet the compliance deadline and so you do not have to sort through the rules with your valuable time. Businesses with employees may qualify for this system at no direct cost to their company. CALL NOW for an appointment before time runs out or we are booked out. 208.870.9238 or email: Aspen@TheIDentityTheftExperts.com


    Call to ACTION: Instead of trying to wade through all
    the complicated laws regarding ID Theft and Business Liability, CALL for a free fifteen min. up to one hour consultation with Aspen Consulting. We can save you hours of reading, and help you implement a solution for your business that meets the FTC guidelines for "reasonable measures". You may even qualify for this program at NO direct cost to your company because our program is funded by a voluntary employee benefit.



    Who is Directly Under Red Flag Rules?


    Do you or your organization fit the definition of a “Creditor” shown below?

     “Any person or business who arranges for the extension, renewal, or
    continuation of credit" Included but not limited to:


    • Banks
    • Credit Unions
    • Heath Care Providers
    • Telecom
    • Mortgage
    • Auto Dealers
    • Utilities, including Municipal
    • Debt Collectors
    Who is INdirectly Under Red Flag Rules?

    Any business wanting to do business with the above entities. Why? Part of the Red Flag Rules is "Vendor Management". In order to be a service provider or vendor for one of the above entities, a business must: Develop and implement a security plan, have a company policy on protecting information, and train ALL the employees who could have access to Non-public Information (NPI).

    True Example: A local agency was wanting to do business with a local community bank. The bank was invited to visit the agency's office. The bank asked a couple of targeted questions to the prospective service provider, and determined that the bank could not do business with them because they did not have 'reasonable measures' in place to protect client info and their employees had not gone through training. By law, the bank could not use them for their services.

    "Vendor Management - Another area where exam
    iners are interested in is in the area of third-party service providers (TSPs), says Michael Jackson, spokesperson for the FDIC's regulatory compliance division. "Banks are not adequately overseeing the oversight of their third party service providers' (TSP) compliance with red flags regulation," hesays. "Even though they are not directly answerable to the regulation, these TSPs that hold information on these covered accounts or process transactions for these covered accounts need to be taking appropriate steps to prevent and mitigate ID theft."
    -- Bank Info Security March 31, 2009

    Information published on this site is of general applicability and is not intended to be relied on as a complete and accurate interpretation of the law for any person or entity.  By virtue of this publication, we are not providing legal, accounting or other professional advice for specific companies or financial institutions.  Please consult your legal or compliance adviser before taking any action on information contained herein. If you need an affordable attorney, we provide pre-paid legal business plans to assist in helping you access qualified legal advice on these topics.  --Aspen Morrow- President Aspen Consulting & Associates
     
    ID Theft is the fastest growing crime in America, and 52% of ID Theft cases come from within a business; we help implement an affirmative line of defense for your business, helping you provide your clients and employees "Reasonable Measures" to keep Non Public Information (NPI) safe, and help you mitigate thousands in non-compliance fines and unlimited litigation damages by shifting some of the burden from the company to the perpetrator.

    In addition to our compliance services, we offer a wide variety of solution-oriented products. We broker Small Business Consulting Services, Legal Service Plans, and
    Identity Theft Prevention/ Detection/ Restoration Coverage.
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