Tips to Avoid Scams

• Use an answering machine. Telemarketers usually won't leave a message.
• Get Caller I.D. Only answer calls from phone numbers you recognize.
• Hang up if there is a long hesitation before someone responds. Telemarketers make several calls at a time and usually talk to the first person who answers.
• If you are not interested, hang up.

• Never give out personal information, such as credit cards, bank ID numbers, drivers license numbers, and social security numbers.
• It's illegal for telemarketers to ask for this information.
• Get any offer in writing. If it sounds too good to be true it probably is.
• Don't be pressured.

• Only contact well-established, reputable repairmen / companies.
• Never allow a repair person to fix anything without your approval.
• Get estimates and referrals.
• Follow-up on references.
• Have someone you trust look over the agreement.

• Follow up on any unpaid bills accrued by a deceased spouse. They may not be real.
• Be leery of "official looking" ads or sweepstakes that you receive in the mail.
• If your Social Security number is on your driver's license or checks, have it removed.
• Avoid having bank debit cards. Stealing from them is easy.
• Avoid calling 900 numbers. They are not toll free and there are usually hidden fees.