The Federal Trade Commission’s Telemarketing Sales Rule (TSR) puts you in charge of the number of telemarketing calls you get at home. The TSR established the National Do Not Call Registry, which makes it easier and more efficient for you to reduce the number of unwanted telemarketing sales calls you get.
You may register online at donotcall.gov, if you have a working email address, or by phone, by calling toll-free 1-888-382-1222 (TTY: 1-866-290-4236) from the number you wish to register. Registration is free. Read More
You can also add your phone number to the Florida Do Not Call List here.
According to the FBI, Americans lose over $40 billion per year by becoming victims of fraudulent marketing of goods and services over the telephone or through the mail. While there are many legitimate telemarketing firms, there are also numerous fraudulent ones. Taking the time to learn how to tell the difference can save you time and money.
If a telephone caller or a postcard you receive through the mail offers you a "free," "prepaid" or "special deal" on magazine subscriptions, think twice before you take advantage of this offer. You may become obligated to years of monthly payments for magazines you do not want or could purchase elsewhere for less.
Listen to the sales presentation. If you are not interested, simply hang up. If you are interested but are too busy to listen to the entire sales pitch, ask the salesperson to call back when you have more time to focus on the conversation. Saying "yes" without getting all the facts can obligate you to more than you want.
TIP: The best way to protect yourself from unscrupulous sales presentations is to be suspicious when anyone tries to sell you a "bargain" or give you something for "free." Do not take advantage of the offer until you know exactly what is being sold and all the costs involved.
Find out the name, address and phone number of the company the salesperson represents. Then call the company yourself for verification before you place an order.
Find out the total annual cost for each magazine and then do the math. Is the "bargain" price really less expensive than the regular subscription price?
Ask the salesperson to send you a written copy of the sales terms offered over the telephone before you agree to buy anything. Read the sales agreement carefully and make sure you understand what you will be receiving and what it will cost.
Never give out this information unless you have initiated the call or are familiar with the company with whom you are doing business. Giving out this information may result in unwanted charges to your account or debits to your checking account.
Once you order magazines by phone, you cannot simply call the company to cancel your agreement; oral cancellations will not be honored by the company.
In order to cancel your agreement, look for the provision allowing you to cancel your subscription when your sales agreement comes in the mail. Generally, cancellation must be made within 3 days of receipt of the agreement.
CAUTION: Remember, the FTC Cooling-Off Rule does not apply to sales made by telephone or mail.
Sign and return the cancellation notice to the proper address, which may be different from the company sending you the information. This information may be hard to find; read the agreement until you find the correct address.
Send the cancellation by certified or registered mail. This will provide you with proof of the mailing date. Photocopy the signed and dated notice and keep it for your records.
Once you have mailed the cancellation form, contact your bank or credit card company to stop any unauthorized payments.
If someone calls or sends you a post card saying that you have won a valuable prize in a sweepstakes, proceed with caution.
Do not pay anything to receive your prize. If it is a legitimate sweepstakes, you do not have to pay anything to collect your prize. If you have won merchandise, the sweepstakes promoter will pay the delivery charges. If you win cash, the sweepstakes promoter either will withhold taxes from the cash award or report the winnings to the Internal Revenue Service.
Do not give your credit card number for verification purposes. Again, legitimate sweepstakes do not need this information.
If you have to attend a sales presentation before you can receive your prize, be wary. Your chances of winning a valuable prize are doubtful, and you may end up the recipient of a high-pressure sales pitch.
This is probably one of the most despicable fraudulent practices. You may be asked to buy tickets to send a handicapped child to the circus or buy light bulbs at inflated prices to help veterans.
Before donating any money based on one of these calls, ask for written information about how much of your donation will go to the charity and how much will be spent on administrative costs.
If the "charity" refuses to send you information (often telling you that the cost of printing and mailing this information will reduce the amount of money going to the charity), do not send them any money. Reputable charities will always send you information.
A sucker list contains the names, addresses and telephone numbers of people who have fallen for telemarketing scams. This list may also contain your name, income, hobbies, marital status and other information that helps the telemarketer personalize the call. They are created, bought and sold by unscrupulous telemarketers. These lists provide the telemarketers with an easy target for their scams.
Using a 900 number can be a good way to do business, but you should be aware that you will be charged for the call. A 900 telephone number is not a toll-free number. You will either be charged a flat fee for the call, or you may be charged per minute. These charges can add up. Some states have enacted laws regulating the telephone providers of information services.
EXAMPLE: Under the provisions of Illinois law, in any advertising for these services, the provider must:
You cannot be billed for any call unless the sponsor gives you a certain message during a 12-second "delayed timing period." The message must accurately give you a description of the service and a summary of its cost and tell you that you will not be charged for the call if you hang up the phone during the message and that when the message is over, you still have 3 seconds to hang up to avoid being charged.
If you think you have been illegally charge for a 900 number call you can file a complaint with the Florida Attorney General's Office here.
No. No company can guarantee that your son will get a scholarship; that is entirely up to your son.
Before you take advantage of any "scholarship" offer, here are some things to keep in mind:
TIP: There is no reason to pay a scholarship search service when the same information is available at the public library and the financial aid office of your school free of charge.