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* Help with debt, credit, collectors, finance, legal and more.
Sweepstakes, Prizes & Lotteries

It's illegal for a company to require you to buy something or pay a fee in
order to win or claim a prize. It's also illegal for a company to even
suggest that your chances will be better if you make a purchase. The
company might ask for your bank account information, credit card
number or social security number.

Some companies will send you an advance check on your "supposed
winnings" and will ask you to deposit it into your bank account and take
a certain amount of "cash back" to send back to them by money order,
Western Union or Moneygram.

If you deposit that check you will be responsible when it comes back
"bad" and believe me it will. Almost all prize notifications are scams.
10 WAYS TO DODGE
BANKRUPTCY IN 2010









Jan - 2010 - The past two years have
been a unique time for the practice of
bankruptcy.
Source: Bankrate.com


THE BBB LISTS THE TOP 10
SCAMS AND RIP-OFFS OF 2009









Jan - 2010 - Free trial offers and
scams that take advantage of tough
economic times dominate the list.
Source: Better Business Bureau


ARE PAYDAY LENDERS
MONDERN-DAY LOAN SHARKS?









Jan - 2010 - How can low- and
middle-income workers get access to
short-term loans?
Source: US News and World Report


10 THINGS THE WIGHT-LOSS
INDUSTRY WON'T SAY









Jan - 2010 - Misleading claims about
weight-loss products abound. The
fact is that many programs claims are
less than truthful
Source: SmartMoney


FACEBOOK FULL OF FAKE HAITI
FUNDRAISERS









Jan - 2010 - Fake fundraising efforts
for the Haiti disaster are spreading
like wildfire on Facebook.
Source: Red Tape Chronicles


6 WAYS TO GET FREE GIFT
CARDS









Jan - 2010 - That's right, you can get
free gift cards - at least free in the
sense that it won't cost you the price
of the gift card to get one.
Source: Bankrate


SCAMMERS USE FAKE IRS LOGO









Jan - 2010 - The latest involves an IRS
e-mail that says you can get your tax
refund on your Visa or Mastercard.
Source: Tulsa World


VALENTINE'S DAY: CONSUMER
TIPS AND TRAPS









Jan - 2010 - With the holiday around
the corner, scammers are scheming
to separate you from your money.
Source: ConnecticutPlus.com


8 POPULAR MYTHS ABOUT YOUR
CREDIT SCORE









Jan - 2010 - See the myths about how
this three-digit number can
determine whether you get credit and
under what terms.
Source: baltimoresun.com


NEW HDTVs MAY SOON BE
OBSOLETE









Jan - 2010 - Just bought that new
flat-panel HDTV for Christmas? Guess
what? Everything may be going 3D.
Source: Fox News


OLYMPICS SCHEMERS ALREADY
AT START LINE









Jan - 2010 - Watch out for phony ads
for British Columbia rental properties
that are popping up on craigslist.
Source: registerguard.com


FTC URGED TO PLACE TIGHTER
CONTROL ON CREDIT REPORTS









Jan - 2010 - Consumers continue to
confuse the different services that
offer "free" credit reports.
Source: Consumeraffairs.com
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Advance Fee Loans, Credit Service & Credit
Card Offers

NEVER deposit a check you didn't expect to get since you'll be
responsible for it if it bounces. It's against the law for telemarketers to
charge any fees in advance if they claim that it's likely that they can help
you get a loan.

It isn't necessary to pay another company to help you get a credit card,
nor will it improve your chances of obtaining one. It's illegal to charge for
a credit card before you receive it,

Federal law requires credit repair services to give you an explanation of
your legal rights, a detailed written contract, and three days to cancel
(this applies to for-profit services, not to nonprofit organizations, banks
and credit unions, or the creditors themselves).

You can get a free credit report from the 3 major credit bureaus once a
year at www.annualcreditreport.com. To get your FICO score you will
have to pay an extra fee. You are under no obligation to pay for any
extras that may be offered to you. Immediately dispute anything you
know is not correct. There is a  FREE FICO score estimator at the
bottom of this page.
Government Grants

The government doesn't telephone people or send unsolicited letters or
email's to offer grants. If someone offers you one, they're trying to steal
your money and/or your identity. Legitimate government grants never
require fees of any kind.

They require an application process initiated only by you, and they're
never guaranteed. Government grants are for very specific purposes,
like studying whales in Alaska, a minority starting a business or maybe
a woman that needs money for an organization to help train women on
computers,  not just because you're a good citizen.

The advertisements on TV or infomercials are major RIPOFFS!  They
will try to sell you lists, books, or try to get you to attend a seminar to sell
you information regarding grants that are already free to apply for. The
application process requires you to follow the instructions for a
particular grant that is available. You could pay someone to help you to
fill out the application correctly if it seems too complicated, but  the
actual forms are free.
Employment / Business Opportunities Fraud

Employment and business opportunity schemes have surfaced wherein
bogus foreign-based companies are recruiting citizens in the United
States on several employment-search websites for work-at-home
employment opportunities. These positions often involve reselling or
reshipping merchandise to destinations outside the United States.

Prospective employees are required to provide personal information,
as well as copies of their identification, such as a driver's license, birth
certificate, or social security card. Those employees that are "hired" by
these companies are then told that their salary will be paid by check
from a United States company reported to be a creditor of the
employer. This is done under the pretense that the employer does not
have any banking set up in the United States.

The amount of the check is significantly more than the employee is
owed for salary and expenses, and the employee is instructed to
deposit the check into their own account, and then wire the
overpayment back to the employer's bank, usually located in Eastern
Europe. The checks are later found to be fraudulent, often after the wire
transfer has taken place.

Never pay a fee to obtain an application or to process an application
for employment.
Child / Adult Modeling

Sure, there are legitimate ones out there, but they are few and far
between. Stay away from any "agency" that recruits by placing an ad in
the newspaper or by sending a "scouter" out to the mall.

They will try to get you to go to their agency so you can sign up as one
of their clients so they can supposedly get you jobs with magazines
and maybe TV commercials.

If you show up to sign up with the agency, you will be required (or
pressured) to purchase a $600 - $1000 photo package.

They turn out to be nothing more than a set of mediocre photos that a
real agency would turn down. Do your research before handing over
ANY money to these so-called agencies.

There are very good books at your library that are written by real talent
agents that will give you all the advice and information you need should
you be interested.
Envelope Stuffing

Pay $20 - $50 for them to send you a letter telling you to place the same
ad in a newspaper. Now you are the scam artist. This has hooked
people for many years and continues today. Read More.

Assemble Products / Medical Billing from
Home

These programs often require you to invest hundreds of dollars in
equipment or supplies. When you send in items you assembled, you
are told that they are not up to standard and are refused or you can't
find clients for your billing service. Now you're stuck with expensive
software or equipment. Read More  

Paid Online Surveys

This is very time consuming and usually not worth all the effort you have
to put into it.  There are many "conditions" you have to meet and if you
fail to follow exact instructions you won't get paid a penny. Also, never
pay anybody to supply you a list of companies that will pay you to do
surveys. Just Google the words PAID ONLINE SURVEYS and you
should find many FREE lists to check out like YellowSurveys.com

Invention Submission Companies

They make you feel like your product is the best invention since the light
bulb. They will then charge you money ( $3000 and up ) to send you
pretty pictures and a glowing write up of how your idea could hit the big
time, and for some more money, they will present your idea to the
giants of the industry.  You can do it all for free on your own. Check out
this free site ipwatchdog.com for more information.
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