Consumer Tips

Con artists are sharp, believable, and creative - and they want your money - usually right now. If it sounds too good to be true, it is.

• Work from home schemes are almost always scams.
• Avoid “pay today” pressure tactics.
• Get specifics.
• Call the hotel to confirm payment if accommodations are included.
• Ask about the refund policy before you buy.
• Read a contract before signing, and in doubt, have someone you trust review it.

• There is no three day cancellation or a lemon law in Florida.
• Comparison shop for price, condition, warranty, and mileage.
• Don’t buy without an independent mechanic inspection.
• Document dealer promises on the contract.
• Copy the contract and keep in safe place.

• Get a written estimate that spells out what you want done.
• Let the mechanic decide what needs fixing, not you.
• Get a second opinion for major repairs.
• Make sure the final bill includes any warranties.
• Go with your car to the shop when possible.

• Avoid door to door solicitors.
• Insist on references, a proper license, bonding, and insurance.
• Check out credentials.
• Make sure the contract can be broken if you don’t receive financing.
• Hire a contractor with a real office, not just a post office box address.

• Don’t give out your credit card number to claim a prize.
• Don't pay for a "free prize".

• Investigate and verify all information.
• Do not assume that official looking documents are either accurate or complete.
• Beware of investment opportunities where your profit is "guaranteed".
• Avoid investing in businesses you know nothing about.
• Ignore testimonials or references that can be hired.
• Review an investment opportunity with your accountant or financial advisor.
• Check out the reputation of the company.
• Research before you invest.

• Ask a telemarketer to send you the offer or give you their telephone number.
• Check to see that the telephone number is legitimate.
• Never give a telemarketer your credit card number unless you trust them.

• Avoid quick or painless cures, they are generally fraudulent.
• Insist on scientific evidence rather than just testimonials or case histories.
• There are no secret cures.

• Read your warranty.
• Keep all sales receipts and warranties in a safe place.

• Keep an eye on your card during the entire transaction.
• Don't sign a blank receipt.
• Draw a line through any blank spaces.
• Don't give your card number over the phone unless you know the company.
• Immediately question in writing any suspicious charges on your bill.

• Cash Only
• Secret Plans
• Something For Nothing
• Haste
• Today Only
• Last Chance

• Keep private information private.
• Get to know online merchants.
• Question out-of-this-world claims.
• Make sure your transaction is secure.
• Watch out for .exe files that can ruin your hard drive or collect information.
• Block inappropriate sites