Watch your bills. Watch your bank accounts. Watch your credit card statements. Look at your loan documents. Before you borrow money make sure all loan deals are in writing. Look for fees you do not think should be there. If your account overdraws and you do not think it should look closely at your statement. A company is not going to look and see if you are overcharged. You have to look out for yourself. Ask for a better deal when you can. Ask for a refund. Ask for a lowered interest rates. Call the company if your bill is wrong. Write down who you spoke to. If you don’t like the answer ask for a supervisor. Write down the supervisors name. Confirm in writing what you were told and what your requests are. There are sample letters in the first blog I wrote that you can use to create a letter to your creditor disputing a bill. If this does not work hire a consumer lawyer.
I got a call wanting money for a charity. Is it a real charity? Give your money to a local church or charity that you know does good work. Give it to the Red Cross or a host of other organizations that are legal. Check anyone out with the BBB website, the secretary of state corporation website. Go there. Call the FTC. 1-877-FTC-HELP. Subscribe to ftc.gov/subscribe to learn about scams. Search them on the FTC website. They will pressure you to give now. Tell them to send you something in writing and you will research them. They want you to wire money. They will refuse to send you something in writing. Sometimes they thank you for the pledge you made and you don’t remember making the pledge. Tell them to send you a recording of the conversation. Tell them you don’t remember the conversation. Ask them what percentage of the money goes to charity. File a complaint. Turn them in. We all want to give to help. Give to organizations with a proven record of helping not someone new that has just appeared on the scene. Some church help others. Some don’t. Ask the church you want to go to for their records of donations to the needy. If all the church does is pay their staff you might want to look elsewhere.
HEALTH CARE SCAMS
If its not BCBS or healthcare.gov or Humana.org or Medicare, etc. Do not just give money to someone who says they have a better deal on health insurance. Do not give your personal information over the phone. Do not give your the social security number, Medicare number, Medicaid number, bank account information, over the phone to an unsolicited call. Do not give your personal information to a website you are not sure is legitimate. They might tell you they have a better plan for you. They might tell you you need a new card. Again this is a scam. Why do you need a new card? They might say this prescription card will get you better benefits. Get the website and check it out. Tell them to put it in writing.
Check anyone out with the BBB website, the secretary of state corporation website. Go there. Call the FTC. 1-877-FTC-HELP. Subscribe to ftc.gov/subscribe to learn about scams. Search them on the FTC website. Call 1-800-MEDICARE. Tell your friends.
Really Legal stuff….. © 11.15.14. Lois Beasley-Carlisle