Credit Card GREEDY and PIG!!!!!! Watch out!!!

Phillips · 10-02-2007, 02:40 PM

unbelievable story!

My friend called me, and she is very upset.

She gotten a bill from a debt collection agent from credit card.

They are billing her about $$200.00. She contacted to them and her mom who passed away 6 years ago. She explained to Credit card ( I think its discovery credit card ) that her mom who did paid off the credit card and Guess that didn't close the current account so Credit card building up the cost a fee every year!

My friend asked them to close an account, but They re refused and want her to pay and not close account till her mom verity it!

So she told them oh yeah a bill to my mom s grave's address and argument with them.

so She asking for manager then talked about that so Manager recommend her to get mom s death certification, then they will waive it and closed the current account! Jeez

sequoias · 10-02-2007, 02:54 PM

They're too lazy to verfity that she's deceased, otherwise they expect her to pay the bill. *shrugs* That's really lame! 6 years ago is a long time!

GalaxyAngel · 10-02-2007, 03:34 PM

You're not alone... as same other my friend who pissed off w/Credit Card company which kept pilling up high and charge continues which notified already death certificate and etc.. but they refused willing open their eyes.. So decide forward to their lawyer and work it up til clear it up the problematic w/credit card company. They are all want $ for their reason greedy..

Cost them expense for lawyer fee and etc.. pretty stupid credit card company!
Wasting their expense for nothing!

Tell you friend.. you're not alone..

MilitaryGirl83 · 10-02-2007, 03:56 PM

Geez.. those credit cards are sure greedy.. they need to realize that your mom is gone and there's nothing they can do about getting the money.

Maria · 10-03-2007, 07:38 AM

There's new law. Supposely if, a parent dies, another parent will have to pay for deceased parent's debt. If, both parents died, then it is their kids who will have to pay their parents' debt that hasn't been paid off. If, parents & kids died, then it will be one of their relatives to pay 'em off. Can you image that ?

Gee, it's better to pay 'em off before you die to avoid headaches for the family. Oh, another thing... it's better if you save all the stubs or receipts that you paid them all off for your future evidence. Don't throw them away.

lilylover72 · 10-03-2007, 08:21 AM

Ouch, that is not good. I hope that your friend can solve this problem.

Tell you about my experience, We were so tempted about credit cards. We end up 8 different. They hurt our credit report so bad. We swore that we will never sign and get new credit card forever. We don't have any credit card for 3 years. That is good for us. We don't want stuck with credit card bills and dont want leave them to my kids if we die. We are anti credit cards. lol

Pacman · 10-03-2007, 02:04 PM

Quote:

Originally Posted by Maria

There's new law. Supposely if, a parent dies, another parent will have to pay for deceased parent's debt. If, both parents died, then it is their kids who will have to pay their parents' debt that hasn't been paid off. If, parents & kids died, then it will be one of their relatives to pay 'em off. Can you image that ?

Gee, it's better to pay 'em off before you die to avoid headaches for the family. Oh, another thing... it's better if you save all the stubs or receipts that you paid them all off for your future evidence. Don't throw them away.

Does life insurance will take care of it? I don't know about how much is life insurance?

Roadrunner · 10-03-2007, 03:27 PM

Quote:

Originally Posted by Maria

Gee, it's better to pay 'em off before you die to avoid headaches for the family.

I can understand your point, however, as we all know...we don't know the timetable of precisely when 'death' comes knocking on the door..in other words, someone can suddenly 'go'.

~RR

javapride · 10-03-2007, 05:18 PM

which is why I don't have a credit card its nothing but a headache and building up DEBTS best off buy what u NEED not what you WANT

Reba · 10-03-2007, 09:25 PM

Quote:

Originally Posted by Maria

There's new law. Supposely if, a parent dies, another parent will have to pay for deceased parent's debt. If, both parents died, then it is their kids who will have to pay their parents' debt that hasn't been paid off. If, parents & kids died, then it will be one of their relatives to pay 'em off. Can you image that?

Do you have a link for this new law? I've been researching this, and I can't find anything "new". All the sources I found state that children are not responsible for the credit card debts of their deceased parents unless they were co-signers or joint account holders.

CCfan · 10-03-2007, 09:43 PM

I am baaaccck. I am now on my computer, it is now fixed.

Phillips, I am sick of this crap about stupid credit card company is greedy @!#$ards! I feel very sorry for her. I hope she would be okay. I hope somebody of AD will help you.

I glad I took my classes about credit card, so I decided not getting a
credit-cards because I got a information about my teacher about this
some credit cards trying to SCAM you. But I knew, of course, I understand,
there are only credit cards for airplanes, hotels, and... um, I think... once more is... train travel?

By the way, I don't need to take a credit card. I had go to Las Vegas in 2005
for my 21st birthday, my aunt paying a credit card for me.

I had fun
in Las Vegas two years ago. I can't believe it's now two years ago.

***VamPyroX*** · 10-03-2007, 09:45 PM

I hate when that happens. Credit card companies are horrible when it comes to being up to date on deceased members.

Tousi · 10-03-2007, 09:48 PM

Quote:

Originally Posted by VamPyroX

I hate when that happens. Credit card companies are horrible when it comes to being up to date on deceased members.

Yeah, maybe it takes time for their clericals to go thru the obits during their free time.

CCfan · 10-03-2007, 09:54 PM

Quote:

Originally Posted by ghsh1996

Tell you about my experience, We were so tempted about credit cards. We end up 8 different. They hurt our credit report so bad. We swore that we will never sign and get new credit card forever. We don't have any credit card for 3 years. That is good for us. We don't want stuck with credit card bills and dont want leave them to my kids if we die. We are anti credit cards. lol

I am very definitely agree with you! I hate credit cards! Guess what -- did you know that?! My sister had a bad news for me, that's bull%$#@!
But if she could be wrong?
Anyways, Best Buy requires anyone should have a credit card for computer, HDTV, laptor, and etc -- anything more than $500 in these prices. It's shucks. I need a Best Buy credit card, but I said, "No thanks!" NO WAY!

Please note: It may not be my opinion because my sister could be wrong?

CCfan · 10-03-2007, 09:55 PM

Quote:

Originally Posted by VamPyroX

I hate when that happens. Credit card companies are horrible when it comes to being up to date on deceased members.

I didn't know credit cards trying to bring up to date on deceased members?
How you did know that?

Maria · 10-03-2007, 10:20 PM

Quote:

Originally Posted by Reba

Do you have a link for this new law? I've been researching this, and I can't find anything "new". All the sources I found state that children are not responsible for the credit card debts of their deceased parents unless they were co-signers or joint account holders.

Please, accept my apologizes for not explainin' myself clear in my previous post. I didn't mention about " credit card ". I mentioned about " debt ". You are correct about co-signers or join account holders - it's either spouse or child who will be responsible to take care of the credit card debt.

I would like to leave a link here for other AD members to read, so they will know what they have to do in the near future when it comes to " debts ".

New Law

Maria · 10-03-2007, 10:27 PM

Quote:

Originally Posted by Roadrunner

I can understand your point, however, as we all know...we don't know the timetable of precisely when 'death' comes knocking on the door..in other words, someone can suddenly 'go'.

~RR

Yeah, I know what you are talkin' about.

It's why I said it is better to pay the bills off before it goes to your kids. One step-mother divorced one man and she told the dentist office that she was no longer married to that guy who has a daughter. The dentist office billed a dentist billin' to the daughter because, she is over the age of 18 and no longer lived with her father.

Interestin' note here : The parents ( step-mother and biological father ) are not deceased yet and the daughter still received that bill.

Reba · 10-04-2007, 12:49 AM

Quote:

Originally Posted by Maria

Please, accept my apologizes for not explainin' myself clear in my previous post. I didn't mention about " credit card ". I mentioned about " debt ". You are correct about co-signers or join account holders - it's either spouse or child who will be responsible to take care of the credit card debt.

I would like to leave a link here for other AD members to read, so they will know what they have to do in the near future when it comes to " debts ".

New Law

OIC, that law is for bankruptcies, not for heirs.

So Phillip's friend is not responsible for her deceased mom's credit card debt, unless she was a joint card holder.

Good!

***VamPyroX*** · 10-04-2007, 01:06 PM

Quote:

Originally Posted by CCfan

I didn't know credit cards trying to bring up to date on deceased members?
How you did know that?

Could you rephrase that question?

Pacman · 10-06-2007, 08:15 AM

Oh, it's really so greedy and never been to apply for credit card, I don't want be in debt in near future.

Liebling:-))) · 10-06-2007, 03:51 PM

6 years? I don´t understand what and how American system like that... I need to know about American system about relative´s death...

I know from my own experience because my hubby & I took care of my hubby´s great Aunt for 4 years until she died at age 90 in 2000. We went to City Hall to prove doctor´s confirmation of Aunt´s death to collect death certificates to spread certicates out to Bank, doctor, tenant, etc... that they closed her name immidately. We went to City Hall with the proof of her death certificate then they search for us either Aunt have debts, credit, or whatever... until confirmed us in writing that she has no debts, etc... and then closed her name straight way.

Nesmuth · 10-09-2007, 09:45 AM

I been there one of my accts I thought was closed had grown to a balance of $2000 and some change. I complained to BBB and they made all that disappear.

It took me about 7 months of calling and letters to get them to fix it and it drove me up the wall enough to end up cursing at them through the relay and letters.

You're gonna have to pop a vein on your forehead before you can get them to fix it for you.

Richard

Kaitin · 10-10-2007, 10:53 AM

I think it is important to protect ourselves and know our rights.

From WikiAnswers:

Who is responsible for a deceased mother's credit card debt which was in her name only?
Her estate is responsible for all debts. The credit card company can file a lien against her property. If the children are to inherit her belongings, this lien may be taken off the top. A probate judge oversees settlement of the estate.

If she died insolvent then there is no repayment. Credit card companies insure themselves for this; it's part of the risk they take running a business.

If are paying off your parent's credit card debt since his death is the credit card company responsible for taking off all finance charges back to the time of death?

Why is the debt being paid? Was the deceased the only account holder? These things are very important, because ONLY the account holder is responsible for credit card debt. There are a few exceptions, but generally even they can be voided via the appeals process. Therefore, the interest charges are only valid if the debt is actually valid. The party involved might wish to consult an attorney concerning this issue. If the debt was part of the probated estate it should have been paid through the court.

An authorized user is NOT responsible for credit card debt of a deceased person. The exception would be if the person continued to use the card after the account holder's death, in which case they could be held liable for those charges only.

From FamilyResouce.Com

Q: I've heard that when parents are in debt and they die the debts are left to the children to pay off. Is this true? My parents had gotten a divorce a few years ago. My mom is doing well because she is a saving queen. My dad had remarried two years ago. His wife does not work but loves to spend money. So now they have a $20,000 debt. If my father dies, his wife is responsible for the debt, right? What happens after she dies and there is still that debt? Also, what happens if she dies first, and then my father--who gets the debt?

A: Can someone die and 'leave' their debts to you? The answer is no. Parents can't leave their debts to you. In fact, they can't even leave their debts to their spouse.

Typically a will controls financial affairs after a person's death. A will distributes assets, not debts. But, before any money can be distributed to heirs, all the debts must be paid. So enough assets are sold to pay for any debts that remain. Only after the debts are paid will the remaining assets be distributed among the beneficiaries of the will.

The key point to remember is that you are only responsible for debts that you contractually created. There are certain circumstances that would put Judy at risk for her dad's debt. But she would have had to do something to cause that responsibility.

Suppose that Judy's dad asked her to co-sign a loan. Signing would make her responsible for the debt. Not only if her Dad died, but also if he failed to make a payment. But she shouldn't be surprised. When you 'co-sign' a loan, you do just that. You put your signature on the loan application.

A similar situation occurs with a joint credit card. A joint account allows anyone named on the account to use it to create a debt. But it also means that everyone listed on the account is responsible for the entire debt that's created.

Suppose Judy had a joint card with her dad. And he was the only one using the card. Any debts he left at death would be Judy's. But once again, it should be no surprise to Judy. She signed the joint application for the account. And it's her responsibility to be aware of whether it's being paid off or not.

It wouldn't be unusual for Judy's dad and step-mother to have a joint account. In that case the survivor would be responsible for any balances on the account.

Joint credit card accounts often create problems in a divorce. Often a couple has a joint account before the divorce. The credit card company isn't going to split the bill just because a couple throws in the towel. As far as they're concerned, both the ex-husband and wife are responsible for the entire amount of the bill until it's paid. And while a court can instruct one party to pay, sometimes it still doesn't happen.

Another way that people end up paying someone else's debt is when you let someone use your credit card. Again, it should be no surprise when the bill comes in.

So what happens to the debts of someone who dies? The credit card company will first try to collect from the estate. As mentioned earlier, assets will be sold to pay the bills. Then, if the account was a joint account, any survivors will be left holding the bag. If the debt belonged solely to the deceased, then the credit card company will end up eating the debt if there aren't enough assets to cover it.

But Judy isn't completely off the hook. She might still want to advise her dad to control his spending. As her father and step-mother get older they could have trouble keeping up with the minimum payments. And, once they fall behind things will get tough. Credit card companies are quick to bump up interest rates when you miss a payment.

From the Federal Trade Commission: Knee Deep in Debt

Dealing with Debt Collectors: The Fair Debt Collection Practices Act is the federal law that dictates how and when a debt collector may contact you. A debt collector may not call you before 8 a.m., after 9 p.m., or while you’re at work if the collector knows that your employer doesn’t approve of the calls. Collectors may not harass you, lie, or use unfair practices when they try to collect a debt. And they must honor a written request from you to stop further contact.

For more information, see Fiscal Fitness: Choosing a Credit Counselor, at Fiscal Fitness: Choosing a Credit Counselor

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit Federal Trade Commission - Home or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

10-02-2007, 02:40 PM	#1 (permalink)
Phillips Lets ride horses! Join Date: Aug 2006 Location: Somewhere in Northeast Posts: 6,306 Blog Entries: 3	Credit Card GREEDY and PIG!!!!!! Watch out!!! unbelievable story! My friend called me, and she is very upset. She gotten a bill from a debt collection agent from credit card. They are billing her about $$200.00. She contacted to them and her mom who passed away 6 years ago. She explained to Credit card ( I think its discovery credit card ) that her mom who did paid off the credit card and Guess that didn't close the current account so Credit card building up the cost a fee every year! My friend asked them to close an account, but They re refused and want her to pay and not close account till her mom verity it! So she told them oh yeah a bill to my mom s grave's address and argument with them. so She asking for manager then talked about that so Manager recommend her to get mom s death certification, then they will waive it and closed the current account! Jeez __________________ *Enjoy life today, Yesterday has past and Tomorrow may never come.*

10-02-2007, 03:34 PM	#3 (permalink)
GalaxyAngel That's me! Join Date: Sep 2003 Location: Ontario,Canada Posts: 13,455	You're not alone... as same other my friend who pissed off w/Credit Card company which kept pilling up high and charge continues which notified already death certificate and etc.. but they refused willing open their eyes.. So decide forward to their lawyer and work it up til clear it up the problematic w/credit card company. They are all want $ for their reason greedy.. Cost them expense for lawyer fee and etc.. pretty stupid credit card company! Wasting their expense for nothing! Tell you friend.. you're not alone.. __________________ Parents' proud of Logan.

10-02-2007, 03:56 PM	#4 (permalink)
MilitaryGirl83 ~I support our troops~ Join Date: Jun 2003 Location: My heart belongs to the beach~ Posts: 3,548	Geez.. those credit cards are sure greedy.. they need to realize that your mom is gone and there's nothing they can do about getting the money. __________________ ~My Heart is taken by a soldier~ <3 <3 <3

10-03-2007, 07:38 AM	#5 (permalink)
Maria Premium Member Join Date: Jan 2004 Location: FLORIDA Posts: 7,776	There's new law. Supposely if, a parent dies, another parent will have to pay for deceased parent's debt. If, both parents died, then it is their kids who will have to pay their parents' debt that hasn't been paid off. If, parents & kids died, then it will be one of their relatives to pay 'em off. Can you image that ? Gee, it's better to pay 'em off before you die to avoid headaches for the family. Oh, another thing... it's better if you save all the stubs or receipts that you paid them all off for your future evidence. Don't throw them away. Last edited by Maria; 10-03-2007 at 07:41 AM. Reason: Forgot to add the last comment.

10-03-2007, 09:43 PM	#11 (permalink)
CCfan Registered User Join Date: Nov 2005 Location: St. Paul, MN Posts: 887	I am baaaccck. I am now on my computer, it is now fixed. Phillips, I am sick of this crap about stupid credit card company is greedy @!#$ards! I feel very sorry for her. I hope she would be okay. I hope somebody of AD will help you. I glad I took my classes about credit card, so I decided not getting a credit-cards because I got a information about my teacher about this some credit cards trying to SCAM you. But I knew, of course, I understand, there are only credit cards for airplanes, hotels, and... um, I think... once more is... train travel? By the way, I don't need to take a credit card. I had go to Las Vegas in 2005 for my 21st birthday, my aunt paying a credit card for me. I had fun in Las Vegas two years ago. I can't believe it's now two years ago. __________________ I am closed captioning fan.

Today
Deafness	Sponsored Links __________________ This advertising will not be shown in this way to registered members. Register your free account today and become a member on AllDeaf.com

10-02-2007, 02:54 PM	#2 (permalink)
sequoias Railfan 4 life! Join Date: Jun 2004 Location: The Evergreen State Posts: 11,560	They're too lazy to verfity that she's deceased, otherwise they expect her to pay the bill. shrugs That's really lame! 6 years ago is a long time!

10-03-2007, 08:21 AM	#6 (permalink)
lilylover72 I love purple! Join Date: Mar 2006 Location: USA Posts: 2,778	Ouch, that is not good. I hope that your friend can solve this problem. Tell you about my experience, We were so tempted about credit cards. We end up 8 different. They hurt our credit report so bad. We swore that we will never sign and get new credit card forever. We don't have any credit card for 3 years. That is good for us. We don't want stuck with credit card bills and dont want leave them to my kids if we die. We are anti credit cards. lol

10-03-2007, 05:18 PM	#9 (permalink)
javapride Java's Big Island Life! Join Date: Apr 2003 Location: hawaii Posts: 6,509	which is why I don't have a credit card its nothing but a headache and building up DEBTS best off buy what u NEED not what you WANT

10-03-2007, 09:45 PM	#12 (permalink)
*VamPyroX* bloody phreak from hell Join Date: Feb 2003 Location: Hell Posts: 26,478	I hate when that happens. Credit card companies are horrible when it comes to being up to date on deceased members. __________________ Check out my city... CLICK HERE! (If you already visited yesterday, visit again today!)

10-06-2007, 08:15 AM	#20 (permalink)
Pacman o_O Join Date: Mar 2005 Posts: 12,760	Oh, it's really so greedy and never been to apply for credit card, I don't want be in debt in near future. __________________ Oh damn, don't mess with me

10-06-2007, 03:51 PM	#21 (permalink)
Liebling:-))) Hiiiiiii it's meeeeee Join Date: Jan 2004 Location: Germany Posts: 24,839	6 years? I don´t understand what and how American system like that... I need to know about American system about relative´s death... I know from my own experience because my hubby & I took care of my hubby´s great Aunt for 4 years until she died at age 90 in 2000. We went to City Hall to prove doctor´s confirmation of Aunt´s death to collect death certificates to spread certicates out to Bank, doctor, tenant, etc... that they closed her name immidately. We went to City Hall with the proof of her death certificate then they search for us either Aunt have debts, credit, or whatever... until confirmed us in writing that she has no debts, etc... and then closed her name straight way. __________________ sniffing you

10-09-2007, 09:45 AM	#22 (permalink)
Nesmuth Banned Join Date: Jun 2004 Location: The Southland of California Posts: 3,199	I been there one of my accts I thought was closed had grown to a balance of $2000 and some change. I complained to BBB and they made all that disappear. It took me about 7 months of calling and letters to get them to fix it and it drove me up the wall enough to end up cursing at them through the relay and letters. You're gonna have to pop a vein on your forehead before you can get them to fix it for you. Richard

10-10-2007, 10:53 AM	#23 (permalink)
Kaitin Registered User Join Date: Oct 2007 Posts: 845 Blog Entries: 23	I think it is important to protect ourselves and know our rights. From WikiAnswers: Who is responsible for a deceased mother's credit card debt which was in her name only? Her estate is responsible for all debts. The credit card company can file a lien against her property. If the children are to inherit her belongings, this lien may be taken off the top. A probate judge oversees settlement of the estate. If she died insolvent then there is no repayment. Credit card companies insure themselves for this; it's part of the risk they take running a business. If are paying off your parent's credit card debt since his death is the credit card company responsible for taking off all finance charges back to the time of death? Why is the debt being paid? Was the deceased the only account holder? These things are very important, because ONLY the account holder is responsible for credit card debt. There are a few exceptions, but generally even they can be voided via the appeals process. Therefore, the interest charges are only valid if the debt is actually valid. The party involved might wish to consult an attorney concerning this issue. If the debt was part of the probated estate it should have been paid through the court. An authorized user is NOT responsible for credit card debt of a deceased person. The exception would be if the person continued to use the card after the account holder's death, in which case they could be held liable for those charges only. From FamilyResouce.Com Q: I've heard that when parents are in debt and they die the debts are left to the children to pay off. Is this true? My parents had gotten a divorce a few years ago. My mom is doing well because she is a saving queen. My dad had remarried two years ago. His wife does not work but loves to spend money. So now they have a $20,000 debt. If my father dies, his wife is responsible for the debt, right? What happens after she dies and there is still that debt? Also, what happens if she dies first, and then my father--who gets the debt? A: Can someone die and 'leave' their debts to you? The answer is no. Parents can't leave their debts to you. In fact, they can't even leave their debts to their spouse. Typically a will controls financial affairs after a person's death. A will distributes assets, not debts. But, before any money can be distributed to heirs, all the debts must be paid. So enough assets are sold to pay for any debts that remain. Only after the debts are paid will the remaining assets be distributed among the beneficiaries of the will. The key point to remember is that you are only responsible for debts that you contractually created. There are certain circumstances that would put Judy at risk for her dad's debt. But she would have had to do something to cause that responsibility. Suppose that Judy's dad asked her to co-sign a loan. Signing would make her responsible for the debt. Not only if her Dad died, but also if he failed to make a payment. But she shouldn't be surprised. When you 'co-sign' a loan, you do just that. You put your signature on the loan application. A similar situation occurs with a joint credit card. A joint account allows anyone named on the account to use it to create a debt. But it also means that everyone listed on the account is responsible for the entire debt that's created. Suppose Judy had a joint card with her dad. And he was the only one using the card. Any debts he left at death would be Judy's. But once again, it should be no surprise to Judy. She signed the joint application for the account. And it's her responsibility to be aware of whether it's being paid off or not. It wouldn't be unusual for Judy's dad and step-mother to have a joint account. In that case the survivor would be responsible for any balances on the account. Joint credit card accounts often create problems in a divorce. Often a couple has a joint account before the divorce. The credit card company isn't going to split the bill just because a couple throws in the towel. As far as they're concerned, both the ex-husband and wife are responsible for the entire amount of the bill until it's paid. And while a court can instruct one party to pay, sometimes it still doesn't happen. Another way that people end up paying someone else's debt is when you let someone use your credit card. Again, it should be no surprise when the bill comes in. So what happens to the debts of someone who dies? The credit card company will first try to collect from the estate. As mentioned earlier, assets will be sold to pay the bills. Then, if the account was a joint account, any survivors will be left holding the bag. If the debt belonged solely to the deceased, then the credit card company will end up eating the debt if there aren't enough assets to cover it. But Judy isn't completely off the hook. She might still want to advise her dad to control his spending. As her father and step-mother get older they could have trouble keeping up with the minimum payments. And, once they fall behind things will get tough. Credit card companies are quick to bump up interest rates when you miss a payment. From the Federal Trade Commission: Knee Deep in Debt Dealing with Debt Collectors: The Fair Debt Collection Practices Act is the federal law that dictates how and when a debt collector may contact you. A debt collector may not call you before 8 a.m., after 9 p.m., or while you’re at work if the collector knows that your employer doesn’t approve of the calls. Collectors may not harass you, lie, or use unfair practices when they try to collect a debt. And they must honor a written request from you to stop further contact. For more information, see Fiscal Fitness: Choosing a Credit Counselor, at Fiscal Fitness: Choosing a Credit Counselor The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit Federal Trade Commission - Home or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

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