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Credit Card Hardship Program or scam?

Credit Card Debt discussions & tips

Credit Card Hardship Program or scam?

Postby burney » Wed Mar 06, 2013 7:37 pm

Ever since my husband and I purchased our first house, we have been receiving these yellow post cards about a credit card hardship program. It doesn't have a company name or a website, it only has a phone number 18004038820. They claim that I have all of this credit card debt and offer to reduce it, but I have to call. I want to stop these post cards because they claim that I have $15k to $25 of credit card debt, which is embarrassing for people to see--even if untrue. But, I'm afraid that if I call this number, they will just use my number and call ME...Does anyone know about this program or if it's a scam? And what I can do to stop them from sending things to me?
burney
 
Posts: 916
Joined: Tue Mar 22, 2011 9:37 am

Credit Card Hardship Program or scam?

Postby rene » Wed Mar 06, 2013 7:40 pm

There are scam busting sites with online lists of the names scammers use, their fake job offers, their email addresses, stock copy/paste emails, paid-for-in-cash cell phone numbers, stolen pictures and fake websites they use. You could start your search and post/ask at such sites.

If you have responded to a scammer, you are on his 'potential sucker' list, he will try again to separate you from your cash. He will send you more emails from his other free email addresses using another of his fake names with all kinds of stories of great jobs, lottery winnings, millions in the bank and desperate, lonely, sexy singles. He will sell your email address to all his scamming buddies who will also send you dozens of fake emails all with the exact same goal, you sending them your cash via Western Union or moneygram.

Do you know how to check the header of a received email? If not, you could google for information. Being able to read the header to determine the geographic location an email originated from will help you weed out the most obvious scams and scammers. Then delete and block that scammer. Don't bother to tell him that you know he is a scammer, it isn't worth your effort. He has one job in life, convincing victims to send him their hard-earned cash.

Whenever suspicious or just plain curious, google everything, website addresses, names used, companies mentioned, phone numbers given, all email addresses, even partial sentences from the emails as you might be unpleasantly surprised at what you find already posted online. You can also post/ask here and every scam-warner-anti-fraud-busting site you can find before taking a chance and losing money to a scammer.
rene
 
Posts: 892
Joined: Tue Mar 22, 2011 5:03 am

Credit Card Hardship Program or scam?

Postby fogartaigh71 » Wed Mar 06, 2013 7:45 pm

throw junk mail away. do you understand? part of being an adult. all these people do is scam you by giving you a new high interest scam loan. do not contact them or respond. you knew this is a scam, right? right?
Careful who you give your address to. Cashiers do not need your phone or zip code. Know that. And never fill out papers for free vacations or fill out surveys.
fogartaigh71
 
Posts: 896
Joined: Tue Mar 22, 2011 6:27 pm


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