Have you ever received an urgent email asking for confidential financial or personal information? If so, you may be one of millions of Americans who has experienced phishing emails. Phishing emails are one of many tactics used by scammers to commit online identity theft. Once scammers have your Social Security number, bank account information and other personal details, they are free to go on incredibly damaging spending sprees. However, there are ways to protect yourself from online identity theft. Do not respond to phishing emails: Phishing emails often have dead giveaways, such as asking for banking, Social Security, address or login ID information. Dedicated scammers will create copycat websites, domain names or even fake companies to trick users into coughing up vital information. Companies, HR departments and other authorities will not ask for these details to be sent over email, as it could carry risks to consumers or employees. Do…
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We came across this Reuters headline discussing a debt settlement company that was referred to federal prosecutors by the Consumer Financial Protection Bureau (CFPB) pleading guilty to multiple charges, including wire fraud. Mission Settlement Agency scammed more than 1,200 people across the country from 2009-2013. The CFPB, created by the Dodd-Frank Wall Street Reform and Consumer Protection Act in 2010, referred the company to a U.S. Attorney’s Office. The debt settlement company claimed it could help customers reduce credit cards and other debts. However, the company instead charged high fees and failed to help its clients. The operators of the debt settlement company have agreed to forfeit $2.2 million dollars as a part of the guilty plea and the debt settlement company faces an addition fine of up to $4.39 million dollars. The take away from this is that there are lots of so called debt settlement and debt consolidation…
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You’ve seen the television commercials, heard about it on the radio, maybe even clicked on internet banners or brochures. Debt consolidation solutions sound like an easy way out. Consolidate your debt into one easy to payment is great. Paying to use services to make this possible isn’t necessary, but many people fall prey to it. The result can be more debt with little to no results. Fooling with them isn’t worth the hassle because your creditors can still harass you. Debt consolidation companies claim to help you pay some or all debt. They promise to narrow down debt from many sources into one easy to manage payment. They vow to stop creditors from harassing you. In reality they do nothing but collect money from you. They keep you in debt, don’t take responsibility and won’t lift a finger to keep creditors away. It’s easy to lose track of debts because…
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*Credit card payments will not be accepted for bankruptcy cases, unless pre-approved by The Sader Law Firm. If you have a question about a credit card payment, please call our Office Manager at (816) 561 1818.
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