The FTC is mailing .7 million in refunds to 62,893 people who worked for Handy. Here’s who gets paid, the 90-day deadline, and how to spot the refund scams that always follow.
AI can clone your family member’s voice from a few seconds of a social media video. Here’s what the FBI documented — and the two defenses that actually work.
People searching for their debt collector have told the government they reached a credit repair company instead. Here’s how to confirm who answered before you share anything.
Viral TikTok “credit sweeps” tell you to dispute every debt as identity theft. The FTC warned in January 2026: that’s a federal crime, not a loophole. Here’s the truth.
A 609 letter can’t erase an accurate debt. FCRA Section 609 is a disclosure right, not a delete button. Here’s the truth and what actually fixes your credit.
Quick Answer: The BBB warns of rising e-book scams including malware-infected downloads, plagiarized content, and fake writing contests as e-book sales surged 144.4% to $649.2 million in early 2011. Consumers should stick with established authors and avoid unfamiliar sellers to prevent credit card theft and malware infections.According to the American Association of Publishers e-book sales …
Quick Answer: Arizona Attorney General Terry Goddard warns residents to avoid unsolicited contractors offering storm repair services after powerful storms damaged homes across the state. These scammers typically provide verbal quotes but deliver inflated final bills much higher than originally promised, then pressure homeowners for immediate payment.(Phoenix, Ariz. – Oct. 7, 2010) Attorney General Terry …
Quick Answer: Fake debt collectors using company names like American Credit Services and Allied Financial Services call victims claiming they owe $400-$1,095 and will be arrested unless they pay immediately via Western Union. These scammers typically call on Fridays when government offices are closed and operate from India using forged phone numbers.Phantom phony debt collectors …
Quick Answer: Foreclosure rescue scams target vulnerable homeowners with fake promises to save their homes while stealing money and equity. Legitimate help comes from mortgage lenders or verified financial counselors, not self-proclaimed “foreclosure consultants” who demand upfront fees.Foreclosures are increasing nationwide, and so are scams that promise to “rescue” homeowners from foreclosure. What these scams …
Did this conversation help?
Thank you. I'm glad you reached out.
You took an important step today. Come back any time.
Think of this as me — just in AI form. I've walked in your shoes. I filed bankruptcy myself in 1990, and in over 30 years of experience I haven't seen a situation that can't be worked through or a person who deserves judgment. Everything here is built on that experience, that research, and genuine care for you. I can't be there in person. But I can be here.
Conversations are saved anonymously. Personal details are automatically removed before storage. This is an AI — not a financial advisor, attorney, or therapist.
Not sure where to start?
Been here before?
