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Fraudulent Charities

All of us have a soft spot in our hearts when it comes to helping out the less fortunate. Our efforts and donations provide us with the feeling of being able to make a difference and plays on our emotional feelings of generosity.

Unfortunately, some unscrupulous telemarketers will say they are calling on behalf of a charity and may ask you to send a donation to send a handicapped child to camp. The offer may be to purchase light bulbs or other household items at inflated prices. These tactics are all aimed at soliciting your generosity in the name of helping others. Who can refuse?

If you are not careful your generosity can be exploited and your intended contribution can end up in the hands of crooks! If you decide to give there are some simple rules to follow to prevent you from being swindled. First, give wisely. Make sure that you are familiar with the organization. Many bogus "sounding" organizations are created that resemble and appear to be very much like the authentic organization.

Creative tactics used by some bogus solicitors include masquerading in uniforms to throw you off such as police officers or official "looking" representatives dressed in uniforms. Unfortunately, these are fly by night operations preying on your emotions and name familiarity for your generous contributions. Don't hesitate to ask the solicitor for some proper identification.

Many states require the solicitor to register with the state Attorney Generals Office as well as posting bond and submitting to background checks before they are allowed to contact you.

Unless you are absolutely sure of the organization that you are giving to the following steps may prevent you from being swindled. 

• Request any such solicitations in writing. Remember, legitimate organizations will be more then glad to mail you literature. 
• Don't be pressured into contributing. 
• Don't fall for unsolicited callers who claim to offer gifts to a limited number of people who donate. 
• Ask what the purpose of the contribution that you are giving will be used for and is your contribution tax deductible? 
• If you make a donation make sure you do so in the form of a check. NEVER pay with cash or make a check out to the solicitor. Make sure you get a receipt for your records. 
• Be alert for organizations that have familiar sounding names. 
• Ask the solicitor if they are registered with your state Attorney General's Office and if necessary verify this fact before giving.

Repair Frauds

Two of the biggest investments that we make in our lifetime involve our homes and automobiles. It's no wonder then that these areas are becoming two of the hottest targets for scams. One of the complicating matters when it comes to being a potential victim for these scams is our own lack of repair knowledge. Does the entire engine have to be overhauled or is it simply a matter of replacing a smaller component? Who do we trust?

Unfortunately, we must rely on the opinions of the experts before we can make an informed decision. With the increase of consumer complaints there are some specific measures you can take to prevent unnecessary and bogus repairs.

• Be weary of unsolicited contractors who inform you of damage and costly repair work on areas such as your roof and driveways. 
• Pressure tactics and limited time offers should also raise red flags. · Get several opinions on repair or replacement work before making decisions. 
• Check out the company's credentials. The Better Business Bureau or your state Attorney General's Office may be able to provide you with sound references. 
• Check references of other consumers who have used their services. What do they tell you about the contractor? 
• Make sure you get everything in writing and have someone review any written contract before you sign. 
• NEVER pay for jobs in advance. Be weary of demands for large payments before the job has ever started. Negotiate a payment schedule and make sure the last payment is tied directly to finished work. 
• Jobs that are a deal due to the contractor having left over materials from a previous job should raise suspicions. 
• Deal with licensed and insured contractors.

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