by eyewash

Work at home business scams are becoming more prevalent these days because of the increased popularity of home based jobs. It is sad to see people falling into the trap to such Cons and usually these Cons are pointed at working from home moms, the elderly and also disabled people. If you are looking for a work at home career, then you must know how to determine these scams and avoid becoming a victim.

Here are some examples of some work at home business scams:

Scam #1: Envelope Stuffing
This is the classic con which many of us has come across at least once in the past. You see an advertisement or a junk mail announcing that you can gain – for every envelope you stuff. Sounds like you can earn money easily, right?? Think again. Most of the time, you need to pay a start-up fee of somewhere or more to join the envelope stuffing program. When you receive the start-up package, you realize that the instruction tells you to spread the word about this envelope stuffing business, then you will get paid. The trick is that they want you to help in earning the start-up fees by sending out the same junk mail you received in the first place. The trick is to get your start-up fee (your money!) first before you realize how this home based business scam really works.

Scam #2 : Processing Medical Bills

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This home business scam requires you to pay anywhere from 0 to 0 for the tools you need to start your own medical billing service at home. They will promise you some advanced billing software as well as a list of would be clients in your neighborhood. Don’t you think that most medical institutions would process their own medical bills or outsource the processing to a legitimate company, instead of individuals with no experience or knowledge whatsoever? When the package arrives (if it ever does!), you will find that the software is not up-to-date or does not work at all and the list of customers is just plain wrong. Chances are you will never be able to get a refund..

Scam #3 : Craft Assembly
In this home based business scam, you are told you will be given an extremely huge amount of money for every toy, doll, jewelry or other craft item you assemble at home. In order to start, first you are required to pay a start up fee to receive a starter pack which includes instructions and parts. When you are done assembling the product, you are told by the company that they do not meet their specifications therefore you will not get paid for it. Actually you will never be able to reach their expectations because the scam gets money by selling the starter packs. At the end of the day, you are left with a bunch of unwanted products cluttering up your home.

Scam #4 : Data Entry
There are numerous advertisements and postings for data entry opportunities on the Internet and even on online employment sites. All you need to do is just pay to purchase a training package and they would send you all the training materials. You should also see that the job scope is normally very blurry and no prior experience is required. The “job description” is usually that you will need to mail out advertisements and brochures similar to the one you received to other unsuspecting victims. Once they pay up the , then you will get half of the money and the person who recruited you will receive half as well.

Scam #5 : Email Processing
This scam is actually similar to the classic envelope stuffing scam stated above. Typically you will be required to pay an upfront fee of about let’s say .95 to receive an instruction manual and an email distribution list. The instructions will inform you how to process the emails and you will supposedly get about for each email processed! Seems like the ideal work at home opportunity, doesn’t it?? Wrong! The instructions they send you are actually on how to spam other people’s emails with the same advertisement which motivated you to pay .95 in the first place. Then when another unsuspecting person (like yourself) takes the bait and pays .95, the spam company will (maybe) pay you your .

Ask yourself, is that the kind of work at home job you want to invest your precious time doing? Is it ethical? Is it legal? You are actually associating yourself with a con if you join such work at home business scams, which disguise themselves as genuine opportunities. One thing working from home moms should know is that there is no shortcut to success. Yes, sometimes with luck you can get there speedier than others but most of the time, it takes lots of effort and then some.

Related Work From Home Business Scams Articles

BuildMyCredit, Inc., Informing Consumers of Credit Repair Scams, Tips, and Insights

Laguna Hills, CA (PRWEB) November 11, 2011

BuildMyCredit, Inc., a leading credit restoration company, is taking the steps to inform Americans about credit repair. For those who have finally decided to take some action getting to work on fixing their good old credit score, it is necessary to take the first step and enroll in a quality credit restoration process. This can save consumers money by leveraging good credit to qualify for lower interest rates associated with the purchase of a home, mortgage refinance, new car or even help to find a better job. Having good or bad credit seems to follow consumers wherever they go.

Is credit repair legal?

There is nothing illegal about credit repair. In fact, the Fair Credit Reporting Act(FCRA) spells out legal rights and protocols for disputing items on a credit report. Additionally, the Federal Fair Credit Billing Act (FCBA) allows the right for an individual to request broad amount of information regarding billing and payment history from a creditor. Basically this means that a company like Chase or Wells Fargo have to give consumers the right to investigate their payment history.

Consumers have the right to verify that the information located on their credit report is accurate, up to date, and verifiable. Credit agencies are obligated to report 100% accurate information. Many times credit reports are not reporting accurate information. Sometimes it may be as minor as reporting that payments are 60 days past due when it is really 30 days past due. This simple oversight is grounds to have the item removed from the bureaus. According to the Fair Credit Reporting Act only items that are unverifiable, inaccurate or out of date should be disputed by consumer. The law prohibits any information that is not completely accurate to be removed or updated. This is one of the many processes we utilize to repair consumers credit. There are so many processes that go into credit repair, working with a company who understands those details will eliminate many of the worries the average consumer faces.

Finding the Right Credit Repair Company

Doing a little research online is not a bad idea to help find a good credit repair company. The Better Business Bureau is not always the best place to start searching. Find out how long the company has been helping consumer’s repair their credit, do they have physical offices, do they service their own consumers or sell them off to a 3rd party processing center. What does their merchant services track record look like? Does the company offer a 100% money back guarantee?

There are always questions of whether or not the credit repair firm that was chosen to retain is credible or not. There are many more ways to find out if you’re working with a reliable and credible credit repair organization.

1) Does the credit repair company encourage a consumer to break the law? This is the first red flag to watch out for. Some credit repair companies do some rather questionable things and make false promises in order to mislead consumers. As a result the Federal Trade Commission (FTC) developed the Credit Repair Organizations Act CROA to police and regulate credit repair organizations. For example, it is illegal to change a person’s Social Security number in order to get a clean bill of credit. It is also illegal to simply dispute every item on a credit report regardless of its nature. Many organizations will try to use a global dispute process to get results. It’s kind of like throwing something against a wall and hoping that part of it sticks.

2) Does the credit repair company charge advanced fees? This is a big no-no. No credit repair organization can charge any advanced fee for work that has not been completed. According to Jonathan Emmons, Case Manager at BuildMyCredit.com, “We process every document, prepare every letter, and review every credit report before we even prepare an invoice. Once we’ve done what we indicated we would do for our clients we simply ask to be paid. I am amazed at how many companies charge upfront fees to do credit repair when the law expressly prohibits this.”

3) Does the credit repair company clearly indicate what they’re going to do in a contract? Everything must be in writing. No matter what, be sure that the company of choice has a contract that clearly outlines their duties and obligations to the consumer. The contract should disclose how much it will cost, and how a consumer can cancel or back out of the contract.

4) Does the credit repair company have a website that clearly shows what they do and how they do it? Doing a little online research never hurts. Looking at a companies website and reading through all the fine print and can save a lot of time. A good example of a credit repair website that offers a strong credit repair service is http://www.buildmycredit.com.

5) Does the credit repair company promise that they can remove items from a credit report? There are no guarantees a quality credit repair company can actually achieve results. It’s important to understand that every credit repair company on the market should do its best to assist their customers getting clean credit. However, no one can guarantee or promise what another company will or will not do. The process takes time to complete and a diligent credit repair company will remain on the job to get the results they’re looking for on behalf of the client. Many credit repair companies offer a monthly service fee and what is commonly called a first work fee. These are common fees to expect to pay in doing reliable credit repair. Consumers may cancel service at any time but the longer they remain on a credit repair program, the more likely of receiving favorable results.

Regardless of which company consumers chose to hire to help fix their credit, it’s important to understand that the process of credit repair is 100% legal. There are reliable credit repair companies ready to assist consumers in the market place today. The process can take time so don’t expect instant rewards. Patients and diligence will help get the best results for obtaining a strong credit rating and score.

For more information about how BuildMyCredit.com can help you log on to http://www.buildmycredit.com or call them today for a free credit repair consultation at 1-855-4BUILDMYCREDIT or 1-855-428-4536.

BuildMyCredit, Inc.

23152 Verdugo Drive, Suite 160

Laguna Hills, CA 92653

(949) 916-5331

marketing(at)buildmycredit(dot)com

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©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Top 10 Tips to Help Avoid Foreclosure and Loan Modification Scams in 2010

Washington, D.C. (PRWEB) January 13, 2010

At a time when many Americans are considering new resolutions and life changes, staying financially vigilant should remain a priority—especially for homeowners. During 2010, an estimated 4 million households are expected to face the risk of foreclosure. Millions of homeowners will try to reduce their mortgage payments with a loan modification.

The national Loan Modification Scam Alert campaign has put together 10 tips to help homeowners seeking foreclosure prevention assistance this year:

1. Contact your lender first as soon as you get concerned about paying your mortgage.

2. Determine your options by speaking to your lender’s loss mitigation department.

3. Be patient but persistent with your lender, because getting a loan modification takes time.

4. Call the Homeowner’s HOPE Hotline at 1-888-995-HOPE. Trained counselors are available 24 hours a day to provide assistance in multiple languages.

5. Connect with a local HUD-approved counseling agency for free by calling 1-888-995-HOPE or visiting http://www.LoanScamAlert.org.

6. Beware of loan modification scams. Some companies and individuals are out to take advantage of homeowners seeking loan modifications.

7. Avoid anyone who asks for a fee prior to providing any loan modification service, including companies, individuals and even some lawyers.

8. Avoid anyone who guarantees to get your loan modified or stop a foreclosure, because nobody has the power to make this promise.

9. Avoid companies that tell you to stop paying your mortgage and to pay them instead. This is a sure sign of a loan modification scam.

10. Report loan modification or foreclosure scams at any time by visiting http://www.LoanScamAlert.org or calling 1-888-995-HOPE (4673).

About the Loan Modification Scam Alert Campaign

Loan modification scams are proliferating at a rapid pace—costing unsuspecting homeowners thousands of dollars and often their homes. To help combat this issue, Congress asked NeighborWorks America® to launch a national public education campaign in 2009. Today, the Loan Modification Scam Alert campaign empowers homeowners to protect themselves against loan modification scams, find trusted help and report illegal activity to authorities. For more information about the campaign, visit http://www.LoanScamAlert.org.

About NeighborWorks® America

NeighborWorks® America creates opportunities for people to improve their lives and strengthen their communities by providing access to homeownership and to safe and affordable rental housing. Since 1991, we have assisted nearly 1.2 million low- to moderate-income families with their housing needs. Much of our success is achieved through our support of the NeighborWorks network—more than 230 community development organizations working in more than 4,400 urban, suburban and rural communities in all 50 states, the District of Columbia and Puerto Rico. In the last five years, NeighborWorks organizations have generated more than $ 15 billion in reinvestment in these communities. NeighborWorks® America is the nation’s leading trainer of community development and affordable housing professionals.

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©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.