Browse Questions

Contractor did poor job

November 4, 2010

Dear Consumer Ed: I hired a contractor to do some work on my home. He took forever to do the work. Now, after having paid him in full, I have found a lot of things that he did wrong. I don’t want to deal with him any more. Can I hire someone else to fix the problems and make him pay to have it done?

Credit Card Scam

November 4, 2010

Dear Consumer Ed: I received a call from someone claiming to be from the fraud department of my credit card company.  They already had my name, address, and credit card number, so I assumed the call was legitimate.  They told me my card had been flagged for an unusual purchase pattern and asked me to give them the 3-digit security code on the back of my card to verify that I was in possession of my card. Now I’m questioning whether that caller was actually scamming me.

Difference between credit freeze and fraud alert

November 4, 2010

Dear Consumer Ed: I lost my wallet last week. I have cancelled all of my credit cards and got a new driver’s license, but I am still worried about the possibility of someone stealing my identity.  Someone suggested that I should file a fraud alert or do a credit freeze.  What exactly are they, and which one should I use?

Do debts expire?

November 4, 2010

Dear Consumer Ed: A collection agency sent me a bill for a debt that is 12 years old.  I remember this bill, but since it’s so old, am I obligated to pay it?  Do debts expire?

Door-to-door magazine sales

November 4, 2010

Dear Consumer Ed: A teenage girl came to my door selling magazine subscriptions. She said she lived in the neighborhood and was trying to raise money for college tuition. I wrote the magazine company a check for $83 for three subscriptions. Eight weeks later, I still have not received any magazines, although my check was cashed. When I called the company, I got a recording saying, “This number is not available for incoming calls.” How can I report this company and get my money back?

Foreclosure Rescue Offers

November 4, 2010

Dear Consumer Ed: I’m about to lose my home and have already received counseling through the government’s Making Home Affordable Program. Despite their help, my income simply is not enough to make it work. I got a flyer from a company that’s promising to save my home. I am desperate, but I’m not sure if this offer is for real or if it’s a scam. Please help!

Free credit report

November 4, 2010

Dear Consumer Ed: Aren’t I entitled to a free credit report every year? And if so, how do I get it?”

Guaranteed government grants

November 4, 2010

Dear Consumer Ed: I received a call from a company that said it could guarantee me a government grant within 3 months. They asked for an up-front fee of $2500 for writing the grant applications. I paid the money and now I am worried that I might have been scammed. What do you think?

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