Stain owner blows hard grow
They can catch you off guard,
You should keep informed
And meet the signs that warn
Then you'll know the ignore scams.
As owner of death and taxes, fraud, theft and cons are a fact of life. The good part about fraud, if there are any good part, is most of them never change, they just dress with different clothes. But for the uninformed, they are still effective in separate you from your hard-earned money and if you're not careful your whole House.
Of course one of the favourite targets of scammers, shady business and questionable even creditors are owners of afro-Americans. African-American Homeowners remain the less informed and less likely to shop around for the lowest loan rates or to negotiate.
The reasons I mention the above statement is why I continue to publish this newsletter and news site of Black owner. To get the Word as a defense for those who would try to take advantage of us ... knowledge is our only defense.
Now you must do your part by informing about the other homeowners who know of these scams.The only way that these schemes have a chance to survive is to who knows they don't say anything or neglect warning others.
Here's the latest scams to watch out for:
Loan Foreclosure Rescue Scams.This layout works to explore distressed homeowners facing foreclosure. Most victims is minority, low-income and elderly.But, due to the shutdown problem in the market today, this scam is starting to graduate to higher average and even middle-class neighborhoods.
This scam generally works under the guise of helping the owner to avoid deleting credit and save homeowners. Usually they will start their authorisation to negotiate with your creditor on your behalf to sign some routine roles.What victims don't know is that leave papers allow them take ownership of your home (always read the fine print).
Now the scammer can place loans against property or even sell the property and maintain equity.Reports of these scams litter the files of State Attorneys General across the country.
PhishingSchemes. without this kind of fishing is done with a hook and a pole. this kind of "phishing" is done with e-mail.But the goal is the same, to bind you to give them your personal identification number or password, etc.
Did you know that identity theft is now the fastest growing crime in America? Identity thieves continue to grow more sophisticated and astute per day.
Is the latest scheme use to send mail that looks like a legitimate bank or lender you do business with ... all the way to the logo. they often will ask you to verify personal information because of some reason legitimate sounding. And if you don't answer they will have to close your account or they will give some other urgent reason to respond.
Many owners uninformed fall for this scam ever know that banks and other legitimate organizations will never ask you for this information.For example, legitimate companies will never request your passwords and personal identification numbers in an email message.
When in doubt it is always best to contact the lender or the telephone company to verify that they are asking for this information. in fact, most companies want to know about any email you receive to ask for this information because they recognize phishing as a growing problem, they want to know so they can investigate that.
Predatory lending.Despite the growing number of laws, claims and legislation against predatory lending practices. Many predatory lenders have gone out of business and others just gone underground.But others have changed only clothes, but his fate is still the uninformed, the desperate and the gullible.
Yes, they're going for the minority, owner of low-income and elderly who have little money or information to protect themselves. for a definition of a predatory lender and how to combat them click here!
Unlicensed Contractors: fake injury scam.Don't get me wrong, not all unlicensed contractors are con men, but most con men don't have a license.
Many minority homeowners of low-income elderly and are desperate to have made as cheaply as possible out of home repairs.Because they have little money to have repairs or improvements that forces them to hire contractors without license.
Many of these scams target minority and low-income homeowners and real estate facing financial difficulties.
There is a growing number of slick con men who know the law better than most homeowners. as a result they farm it out simulating lesions and gathering false claims insurance against the owner.Did you know in most Member States if an unlicensed contractor hurts on your property, you could be responsible?The perpetrator does.
Mold inspection and removal of fraudThis is a new scam that is growing rapidly, especially since Hurricane Katrina and the latest health news on the molding. I predict how rainy season approaches this scam will increase as many houses full of experience.
The fear of mold and its influence on health of the owner is what drives this coup. Because Mold inspection is a new little industry if there is any regulation to protect the owner.
Nonlinear acceptable standards exist measurements mold spores .so, unethical mold inspectors can easily make the air in your home seem to take more mold spores that it really makes you know enough to question their results? most homeowners wouldn't either.
A favorite method used to beat the owner shall submit a sample spoofed to the laboratory for testing. they switch the actual example with mold a location strongly contaminated. show you the report of a legitimate lab and you're convinced to give them a generous contract for work to clean up the mess.
To protect the same never use an inspection service that also performs the mold remediation or removal ... or recommend a company that does. I would call this a conflict of interest and an invitation to a rip-off.
Here's another tip. spore traps used to collect samples of mold have a specific serial number of your own. Verify that you see and note your serial number before leaving your home.
Conclusion
These are the latest cheats attacking the African-American owner. now that you know them spread the word to family and friends and do not allow the same ... or they fall victim of these scams.
Continue to stay informed because the current information is your best defense. remember that your most important defense is to avoid thinking that it could never happen with you because if treats each con mans favorite advantage.
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