Anyone can be a victim of a fraud. It’s up to us to spot attempted fraud or we risk theft of our money and identity.

None of us likes a “pushy” salesperson, and sometimes that pushiness is an attempt to have us make a quick decision before we can think things through. Sales fraud includes pitches and promises that don’t deliver what is expected. Fraud includes everything from shoddy goods at inflated prices, to high interest rates, poor service, or goods never delivered. To help avoid all of these, it’s usually best to use a local business you know and trust.

Avoid “free vacation” offers as they often turn out to be anything but free. The sales pitch may include a 900-number to call and speak to a live salesperson. The 900-number usually costs several dollars per minute, and the call can easily end up costing $30, $50, or $100 in telephone fees. Often the “free vacation” is at a time or place that isn’t usable.

Vanity and fitness gimmicks rarely give you the results you desire. Your “abs and thighs” aren’t going to get thinner with these devices unless you are willing to exercise, work hard, eat properly, make sacrifices, and continue all of the above over a long period of time.

Some unsavory people read obituaries and send fake bills to bereaved families. The family doesn't always realize that these goods or services were never ordered or received by the deceased.

It’s rarely a good idea to buy goods or services from a telephone salesperson. Most products they sell can be purchased locally where you can get a refund if you don’t like what is purchased. Refunds aren’t always possible when you buy from someone over the telephone. In addition, the telephone salesperson may not send the product you ordered or you may receive a shoddy product.

Don't be pressured. Take your time to think about an offer. Never give out your credit card number unless you’ve initiated the call and are sure with whom you’re dealing. Your credit card number can be used by unsavory types who want your money, the same way they could use your blank checks.

Don't buy goods or services from salesmen who call you on the telephone. These individuals may not be reliable. Most of the products they sale can be purchased locally. Telephone sales people may not send you the product you order or may give you a shoddy product.

You can register on the national do not call list by calling 1.888.382.1222 or register online.

If you think you've been swindled, contact:

1. Illinois Attorney General's Office at 1.800.243.0607,
2. Federal Trade Commission at 1.877.382.4357,
3. Better Business Bureau,
4. Social Security at 1.800.269.0271, or
5. Medicare and Medicaid at 1.800.447.8477.

Keep your best interests in mind. Its your money and you should use it to your family's benefit.

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Source: 20 Ways to Avoid Being Swindled, Channing L. Bete Co., Inc., 1992.

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