For the first time ever, imposter scams (when a crook pretends to be someone they’re not—usually a trusted family member, institution or organization) have surpassed identity theft scams as the second most reported. The first are debt collection scams, which received over twice as many complaints as imposter scams…so, watch out fake debt collectors! https://www.ftc.gov/news-events/press-releases/2017/03/ftc-releases-annual-summary-consumer-complaints?utm_source=govdelivery
But back to imposter scams: The FTC says that the rise in reporting “is due to an increase in complaints about government imposters.” And if you’ve ever gotten a call from a fake IRS “official” telling you to pay back taxes over the phone, then you’re all too familiar with this type of scam. (Note for tax season: The IRS will never ask you for money over the phone! And if you’re deaf, they won’t ask you for it over a video relay service either.)
Source: Consumer Action SCAM GRAM newsletter
I am no Dave Ramsey but I have learned a little from some of my own mistakes. As an 80s graduate of the Father Guido Sarducci Five Minute University, I was highly sought after for low-level retail jobs at first. But when they dried up, I was forced to go back to school and get an additional degree in communications. Now I would still have a low-level retail job with with student loan debit to go along with it. Facing an uphill battle, I did the smart thing and started a family.