New scams are created every day which target each and every one of us. The AMS Users group identified a prime example recently that targets independent insurance agents. This new scheme attempts to steal an agent's credit card information posing as a representative of the department of insurance.
Most people find it difficult to challenge these scammers, but a great courage builder is to make a simple cheat sheet and post it near your phone. Here is an example that hopefully will save you quite a bit of grief and money in the future:
Step 1: If it sounds too good to be true...it most likely is.
Don’t be afraid to ask hard questions after all they wouldn’t be calling you if they didn’t want to.
Step 2: Ask for a reference for validation or a call back number.
A scammer probably won’t have a reference available and surely won’t want to give you a number to contact them back. If they aren’t reputable enough to have a reference, use caution.
Step 3: Ask for the request or offer in writing.
Any offer can be provided in writing, and it provides you an easy out if someone is attempting to pose as an official or service provider. Most companies have policies which state they must send you a notice in writing if requested.
Step 4: If and when they hang up on you, take it as a compliment.
You most likely just avoided a scam. Feel good about yourself, and share your experience with others. One of the best ways to protect yourself and others is to share positive experiences.
Feel free to share your cheat sheets as well!