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Bad Debt Recovery Venues: Telemarketing Fraud
Warning Signs
- High-pressure
sales techniques.
- Insistence
on an immediate action.
- Offers
that sound too good to be true.
- A
request for your credit card number for any purpose other
than to make a purchase.
- An
offer to get your monthly check quickly (i.e., pay for overnight
mail, send someone to your home or office to pick it up).
- A
statement that a product or service is free, followed by
a request that you pay for something.
- Claims
of an investment that is "without risk."
- Inability
or refusal to provide written information or references
about the company, product, service, or investment.
- Suggestions
that you should make purchase or investment based on "trust."
How to avoid being a victim of scams that can negatively affect your debt recovery!
- Don't
be pushed into a decision.
- Request
written information about organization and product or investment.
- Don't
buy anything on terms you don't fully understand.
- Request
the name of the federal agency by/with whom the firm is
regulated or registered.
- Investigate
the company or organization.
- Find
out about refund, return, and cancellation policies.
- Don't
believe testimonials you can't verify.
- Don't
provide any personal financial information. Remember that there are many debt recovery scams that exist out there!
Federal
trade commission telemarketing sales rules
The federal trade commission's telemarketing sales rules include
the following provisions to protect consumers:
Calls are prohibited to consumers who have said they don't want
to be called.
Telemarketing calls before 8 a.m. and after 9 p.m. are not allowed.
Telemarketers must tell you that it is a sales call, the name
of the seller, and what they are selling.
If a prize promotion is involved, you must be told that no purchase
or payment is necessary to enter to win.
Telemarketers may not misrepresent any information about the
cost, quantity, and other aspects of the offered good or services.
Before you pay, telemarketers must tell you the cost of the
goods and any restrictions on getting or using them; or that
a sale is final or non-refundable.
Telemarketers are prohibited from withdrawing money from your
checking account without your express, verifiable authorization.
Telemarketers offering to arrange loans, provide credit service,
or recover money from another scam may not seek payment before
rendering the promised service.
State law enforcement officers are authorized to prosecute fraudulent
telemarketers who operates across state lines.
For additional information, contact the Federal Trade Commission,
Office of Consumer Education, Washington, DC 20580. Web site:
www.ftc.gov
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