Family Finances: When you’re desperate, look out for fraud

At a recent home show, we were grabbed by a debt settlement company salesperson who offered to save us at least 40 percent in our effort to get out of debt — not that we have any.

Another salesperson hawked a software program that would direct us how best to pay off debt. It works great, the salesperson testified. Upfront cost: $3,500!

Unfortunately, families experiencing financial hardship often are prime targets for outrageously expensive solutions and outright fraud. When you’re concerned about your family, it’s easy to feel desperate.

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