Money & Credit

La tierra de las ofertas de pruebas gratis

Lo admitamos o no, a muchos de nosotros nos fascinan las promociones o infomerciales ingeniosos del último aparato o invento. La tierra de las ofertas de pruebas gratis es el hogar de los inventores y comerciantes ingeniosos que trabajan duro para vender productos con la esperanza de hacernos la vida más fácil.

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Money & Credit

The land of the free trials

To help you decide whether to get a new product, many marketers will let you try it “for free,” or “risk-free,” or “at no obligation.” Trouble is, some sellers lure you into these so-called “free” trials… and then keep billing you after the trial is over. Some even sign you up for other products or services you don’t want.

Here’s a quick video on how to protect yourself from the perils of so-called free trials. Because, sometimes, “free” can turn out to be quite expensive.

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Money & Credit

Consumer complaints to the FTC increased in 2015

The FTC received more than 3 million complaints in 2015. That’s up from 2.5 million in 2014. Some of the increase can be attributed to the fact that more people know to complain to the FTC about bad business practices, frauds and scams. Technology helped, too — more complaints are reaching the FTC through the convenience of mobile apps. The top three complaint categories are still debt collection, identity theft, and imposter scams. The FTC took aggressive action in 2015 to help address each area and will continue to make each a high priority in 2016. 

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Money & Credit

No debt relief for mortgages and student loans

If you feel in over your head with debt, a company’s promise to lower your mortgage or student loan payment might seem like a lifeline. Unfortunately, dishonest companies promising debt relief can make a bad situation worse.

Today the FTC announced it filed charges against Good EBusiness for debt relief schemes that targeted people struggling to pay off mortgages and student loans. People paid thousands of dollars in fees, the FTC alleges, only to find themselves out the money with no relief in sight.

Red-carpet ready videos

Okay. FTC videos may not have a star-studded array of Hollywood actors, but they are entertaining. What’s more, they offer practical, useful, and memorable messages that can save you money, time, and aggravation.

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Money & Credit

A year in debt collection

Making a plan is one thing. Sticking to it: quite another. During 2015, the FTC made a plan to address some new and troubling issues in debt collection. Throughout the course of the year, we stuck to that plan – bringing a record number of new cases, banning bad debt collectors, talking with industry, and finding new ways to do outreach.

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Money & Credit

Spread the word about government imposters

We’re hearing from our colleagues that those pesky government imposters are at it again, using the FTC’s name to try to con people into paying them for something. Whether it’s to clean up your credit report, give you a prize, resolve a complaint against you, or pay off a debt you owe, they’re all lies. The message may be a call or an email, but it isn’t from the Federal Trade Commission, or any other federal agency.

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Money & Credit

Don’t get taken by a supplies surprise

It’s great getting stuff for a deal or as a free sample. But when a seller says something is cheap or free, then sends you a whopping bill, that’s not so great — and it’s against the law.

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Money & Credit

Here’s what snow days are great for

Snowed in? Here’s a cabin-fever buster – catch up on FTC videos, games, and audio tips! It’s the quickest way to learn how to protect yourself, and your family, from fraud and scams.

Skewed Cupid

Valentine’s Day conjures up images of hearts, flowers and a double-decker box of chocolate, nougat and nuts. But, metaphorically speaking, what happens when that stupendous bouquet of roses you got turns out to be a pile of weeds? Love might cloud our vision, but that doesn’t mean you have to turn a blind eye to consumer pitfalls. If you know what to look for, you can avoid some big missteps. While these are probably the least romantic Valentine sentiments ever, they just might save you some heartbreak down the road.

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Money & Credit

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