A.P.

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, Car lessees in New Jersey should
have the same rights as buyers, according to a ruling that came down from the
New Jersey Supreme Court Monday.
"Lessees make up a large percentage of New Jersey drivers," said Ryan's
counsel , Lemon Law Attorney Robert M.identitytheft911. Since 1936, LAPFCU has
been serving its members and is committed to its mission statement: LAPFCU is
an organization of PARTNERS WHO CARE and is guided by four critical values:
Commitment, Assurance, Respect, and Excellence.

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Endaya, President and CEO of
the Los Angeles Police Federal Credit Union.

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The plaintiff, Christopher Ryan, is represented by the Cherry
Hill, NJ-based lemon law firm of Kimmel and Silverman."

With six full-service offices throughout New Jersey, Pennsylvania,
Maryland, Massachusetts and Delaware, Kimmel and Silverman is the Northeast's
oldest and largest lemon law and consumer advocacy firm. The Identity Theft 911 program will be a
significant step forward in protecting them against the damage this crime can
inflict .

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The Camden County
Superior Court agreed with Honda.

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Lemon law firm once again defeats Honda's plan to take away consumer rights

TRENTON, N.

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"

ABOUT LAPFCU
The Los Angeles Police Federal Credit Union is a single sponsor credit
union, proudly serving the financial needs of the sworn and civilian employees
of the Los Angeles Police Department and their families. With strategic alliances that include
myFICO/Fair Isaac, TransUnion, and AIG, Identity Theft 911 is the recognized
leader in identity theft resolution, defense, and education.

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Because the
problems occurred after the first 18,000 miles of protection provided by the
New Jersey Lemon Law, Ryan had to enforce his warranty rights under federal
warranty law."

Protecting the Protectors
Under the program, Identity Theft 911's industry-leading victim resolution
services will be available to every Los Angeles Police Federal Credit Union
member.

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"We are elated that the Court
recognizes that the manufacturer still has certain rights and responsibilities
to this public, and if their vehicle fails to meet the lessees' satisfaction,
they have rights to a remedy.

"
"Identity Theft 911 was built from the ground up with a single mission: to
create effective, affordable solutions to the identity theft crisis," said
Sheryl Christenson, CEO of Identity Theft 911 and Vice President of the
Northern California Chapter of the IAFCI. Currently with over
$630 million in assets and more than 41,000 members, LAPFCU is dedicated to
maintaining the financial stability, strength, and credibility that are
necessary to secure and protect its members' assets.com) provides
enterprise-level fraud solutions to Fortune 500 companies, a wide spectrum of
financial institutions , and many of America's largest insurance companies and
corporate benefits providers.

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Kimmel and Silverman immediately appealed to
the New Jersey Appeals Court and received a unanimous appeal in their favor .com.

Sites designed to help protect buyers of autos and automotive services.

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The Magnuson Moss Warranty Act is designed to protect consumers who suffer
a non-conformity during their warranty period which can't be fixed despite
repeated repair attempts."
"The Los Angeles Police Federal Credit Union was founded for one reason:
to serve the sworn and civilian employees of the L. Members will also have access to the nation's premier consumer
education program on identity theft risks and defenses . "Education is the consumer's single most powerful
proactive weapon against identity theft," said Rousseau, who also serves as
Vice President of the Southern California Chapter of the International
Association of Financial Crimes Investigators (IAFCI).

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Online Banking
Report named Identity Theft 911 one of "the 10 most significant innovations
and developments of 2003," including the company on its list of "10 industry
developments that provide the best glimpse at the future of online financial
services delivery.

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Judd Rousseau, Identity Theft 911 COO and Director of Fraud Operations ,
emphasized the importance to LAPFCU members of the consumer education provided
by Identity Theft 911.identitytheft911.

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newscom. "We are extremely proud to have this
opportunity to help provide peace of mind to the members of the Los Angeles
Police Federal Credit Union and their families."

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At first, the dealer concluded that the problem was not covered under
warranty and instructed Ryan to file an insurance claim, which he did. If
the consumer prevails, the manufacturer must pay all attorneys fees and legal
costs on top of what the plaintiff receives. For more information about consumers'
rights under the New Jersey Lemon Law and the Magnuson Moss Warranty Act,
visit http: //www.
"As law enforcement professionals, our members are well aware of the
damage identity theft can do," said Stephen M. "Consequently, the Los Angeles
Police Federal Credit Union has always taken a proactive approach to
protecting our members' privacy as well as their assets.

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In the case, Honda argued that they owned the vehicle, not Ryan, and
therefore Ryan was not entitled to enforce any rights.lemonlaw.

Los Angeles Police Federal Credit Union to Provide Identity Theft 911 Victim Assistance and Consumer Education at No Charge to All Its Members

"We wanted to make world -class identity theft protection
available to our members and their families, at no cost to them and without
compromising their privacy.

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D. and their families,"
continued Endaya.

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New Jersey Lessees Win Victory in State Supreme Court

In the case of Christopher Ryan vs. But,
after the insurance company covered the repairs, and Ryan covered the
deductible, he continued to experience problems with the engine. Silverman. According to the FTC report,
"National and State Trends in Fraud and Identity Theft," identity theft
accounted for 39 percent of the consumer fraud complaints filed with the FTC
last year, more than any other category.

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Like the New Jersey Lemon Law, the statute contains
a fee-shifting provision, which enables consumer firms, like Kimmel and
Silverman, to provide cost-free legal representation to distressed drivers. LOS ANGELES, The Los Angeles Police Federal Credit
Union (LAPFCU) will provide the nation's premier identity theft services for
its entire membership through Identity Theft 911
(http://www.com ), the Los Angeles Police Federal Credit
Union and Identity Theft 911 announced today. LAPFCU members will be provided
identity theft victim assistance and consumer education at no cost to them
under the innovative new program. Identity theft was the nation's top
consumer complaint for the fifth year in a row in 2004, according to a new
report from the Federal Trade Commission (FTC). "The best defense
against this crime is prevention.

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J. Honda , Ryan leased a 1999 Honda
Passport and experienced engine problems on the vehicle starting at 22 ,000
miles.
Honda then appealed the decision to the State's Supreme Court.

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The firm has
provided cost-free lemon law and breach of warranty help to more than 35,000
consumers since its inception in 1991.

The Identity Theft 911 victim resolution service provides:

-- A personal advocate who works with the victim one-on-one until the
crisis has been resolved
- - Systematic notification of agencies, businesses, and institutions
-- Comprehensive case file creation for insurance and police
-- Preparation of all needed documents
-- Credit reports from all three credit bureaus
-- Emailed fraud alerts and consumer education
-- One year of credit monitoring and fraud monitoring
-- A full year of follow-up alerts, phone calls, and status checks to
avoid recurrence

In addition, the consumer education component will provide all Los Angeles
Police Federal Credit Union members with ongoing emailed fraud alerts , a
monthly newsletter, and a dedicated web site with articles, interviews, and
white papers covering every aspect of identity theft.

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The Court ruled 6-1 that the Magnuson Moss
Warranty Act protects both consumers who purchase and lease their vehicles,
and they reinstated the case of Camden County consumer who leased a defective
Honda Passport.
(Photo: http://www. That means giving LAPFCU members the
information they need to protect their identities from would-be scammers.

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com/cgi-bin /prnh/20031122/SFSA001LOGO )
In recognition of National Consumer Protection Week, the two organizations
also urged consumers to be vigilant in protecting their personal and financial
information to avoid being victimized.

ABOUT IDENTITY THEFT 911
Identity Theft 911 (http://www.

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