WJFA Disclaimer

It is a violation of copyright laws to make and internally use copies of the text, graphics, images, video, audio files and any other information ("content") from www.wjfa.net. No item on this web-site may be reproduced in any manner for any purpose.

The name WJFA is copyrighted and no one may use or represent it in any form.

All information on this site is true and accurate to the best of WJFA's knowledge. WJFA receives its information from public records, news accounts, and the victims.

This web site is a project of WJFA, a non-profit organization educating the public about the social and economic devastation from fraud.

WJFA does not provide legal advice, make endorsements, nor make attorney referrals. Equally, WJFA does not imply, infer, or claim to be a legal authority.

Additionally, WJFA is not a legal advocate. No portion of this site is intended as legal advice, nor should it be replaced in lieu of an attorney. This site is for educational purposes, only.

If you have certifiable evidence of a fraud against you and law enforcement or prosecutors refused to provide justice, submit your story to WJFA by going to our Story Submissions page to learn how to qualify for being featured on WJFA web site.

Story Submissions

Items submitted to the web site become the property of WJFA. WJFA respects people's privacy, and thus, no private information about the victims will ever be disclosed to the public, such as address, telephone numbers, email addresses, credit card information, etc.. Please read or privacy policy for the full details.

If you feel there have been violations of this policy, you should contact us immediately.

Submission of Ideas

Your comments and ideas, as they relate directly to WJFA and or what is on it its site, are welcome. Please limit your comments to your experiences with our site. Do not to send unsolicited advertising or pitches for products and services.

WJFA makes no assurances that your comments and ideas will be treated as confidential or proprietary and that WJFA shall be free to copy, use, modify, disclose and distribute your submission without restriction for any purposes whatsoever, commercial or otherwise, without compensation to you.

If you have a story or public interest item, please submit through the submission page.

Disclaimer of Liability

The user of this site assumes all responsibility and risk for the use of this server and the internet generally. WJFA and its affiliates disclaim all warranties, representations or endorsements, express or implied, with regard to the content, including but not limited to the documentation and related graphics, accessed from, or via, this server or the internet, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Viewers'   Choice

Last month, 20,000 viewers utilized the topics below.

Credit Damage

For fraud victims, it is a nightmare beyond belief.  WJFA has numerous pages with example letters showing you how to work with the credit reporting bureaus to repair your credit report.

Take Action

Don't ever give up is WJFA's battle cry to victims. Take Action is our help center. Everything from how to file a criminal complaint, to an on-line group for emotional support. 

Foreclosures

Foreclosures are at an all time high. This sections has many pages on options you have to save your home, and how to protect yourself from scam artists.

Legal Self Help

WJFA's volunteers have a bevy of tips to help you navigate the legal system.  If you don't find it here, the support group may be able to help.

WJFA does not assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any content, apparatus, product or process disclosed on the server or other material accessible from the server.

In no event shall WJFA be liable for any special indirect, or consequential damages or any damages whatsoever resulting from loss of use, data, or profit, whether in an action of contract, negligence or other tortuous action, arising out of or in connection with the use of performance of the content, this server of the internet generally.

No Warranties

Any WJFA material on this server may include technical inaccuracies or typographical errors. WJFA has the right to make changes and updates to any content contained within this server without prior notice.

The content provided on this server is provided on an "as is"  and "as available" basis without warranties of any kind, either express or implied, including but not limited to, warranties of title, noninfringement or implied warranties of merchantability or fitness for a particular purpose.

No advice or content given by WJFA, or its affiliates or its respective employees and or volunteers, shall create any warranty. Neither WJFA nor its affiliates warrants that the content on this server or on the internet generally will be uninterruptible or error free or that any content, software or other material accessible from this server is free of viruses or other harmful components.

Disclaimer of Endorsement

Reference herein to any products, services, processes, hypertext links to third parties or other information by trade name, trademark, manufacturer, and supplier or otherwise does not constitute or imply their endorsement, sponsorship or recommendation by WFJA. Product and service information is the sole responsibility of each individual vendor.

Digital Millennium Copyright Act

Pursuant to Title II of the Digital Millennium Copyright Act, all claims of copyright infringement for material that is believed to be residing on WJFA system or network, should be promptly sent in the form of written communication to, WJFA, 8863 Greenback Lane #283, Orangevale, CA 95662. All claims must include the following information:

A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single on-line site are covered by a single notification, a representative list of such works at that site;

Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;

Information reasonably sufficient to permit the service provider to contact the Complaining Party, such as an address, telephone number, and if available, an electronic mail address at which the Complaining Party may be contacted;

A statement that the Complaining Party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, their agent, or the law; and a statement that the information in the notification is accurate, and under penalty of perjury, that the Complaining Party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Governing Law

Except for trademark and copyright matters governed by the federal laws of the United States, the foregoing provisions shall be governed by and construed in accordance with the substantive laws of the State of California, without regard to the principles of conflict of law thereof.

October 24, 1999