Local 99 Health & Welfare Fund Legal Services Newsletter

Rachel P. Roat, Esq.

COMMON SCAMS AND FRAUDS

From e-mails promising huge sums of money (in exchange for an initial fee) to callers offering too good to be true investments, fraudsters are on the prowl and many hard working people are falling prey to them. The most recent estimate puts total financial fraud at a whopping $50 billion per year.

Continued on 5

SECTION 8 SCAMMERS

Cheat People Seeking Housing

Page 2

CIVICS QUIZ

What Is the “Rule of Law”?

Page 4

SCAM-PROOF

YOUR PASSWORD

Page 8

Volume Three, Number 4

Fall 2015

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If you search online for the Section 8 voucher waiting list, the top search results often are bogus sites. They look very real: their names may say “Section 8” and they may show an Equal Housing Opportunity logo. Beware!

NO REGISTRATION FEE

There is no fee to register for Section 8. The funding for Section 8 housing is given to local government housing authorities. The housing authority in each town give vouchers to people to find housing in privately-owned rental units The housing authority maintains the waiting list and does not charge a fee. The addresses for your local housing authority are on the Housing and Urban Development [HUD] website.

NO MONEY WIRING

Fake Section 8 websites may list properties that are supposedly available to rent if you send the first month’s rent via a wire transfer or a prepaid card. The properties may exist, but if you send it this way you will just lose your money.

SOCIAL SECURITY NUMBERS

Treat your Social Security Number and other personal information (credit card numbers, date of birth) like cash. Don’t give them out on a website that you found through a search or they may end up in the hands of identity thieves.

OTHER LOSSES

In addition to losing your money and personal information to scammers, you will also lose the chance to be in the actual Section 8 lottery. Most people don’t realize they have been scammed until the fake registration list is closed down. At that point you will have to start over at the end of the line.

FIGHT BACK

If you have seen this type of scam, file a complaint with the Federal Trade Commission, HUD, or the Better Business Bureau.

SCAMMERS HAVE WEBSITES THAT LOOK LIKE REGISTRATION SITES FOR SECTION 8

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GOVERNMENT IMPOSTERS Scammers sometimes pretend to be government officials to get you to send them money. They might promise lottery winnings if you pay “taxes” or other fees, or they might threaten you with arrest or a lawsuit if you don’t pay a supposed debt.

Don’t do it!

Federal government agencies and federal employees don’t ask people to send money for prizes or unpaid loans. Nor are they permitted to ask you to wire money to a prepaid debit card to pay for anything.

HOW TO RECOGNIZE A GOVERNMENT IMPOSTER

Someone claiming to be a government official calls you and says that you’ve won a federal supervised lottery or sweepstakes. They may say they’re from “the national consumer protection agency,” the fake “National Sweepstakes Bureau,” or even the real Federal Trade Commission [FTC]. It looks like they are calling from a legitimate number. They may also send e-mails, text messages or letters. They say that you’ll have to pay taxes or service charges before you can collect your winnings; or ask you to send money to an agent of “Lloyd’s of London” or some other insurance company to “insure” delivery of your prize; or they may ask you to wire money right away, often to a foreign country. No government agency or insurance is involved. Scammers take your money and disappear.

Another common deception is a call or an official-looking letter that has your correct name, address and Social Security number. These fake debt collectors say they’re with a law firm or a government agency like the FTC, IRS or USCIS. Then they threaten to deport you, arrest you or take you to court if you don’t pay on a debt or taxes they claim you owe. This is not how legitimate debts are collected in the United States. If in doubt, look up the official number of the government agency, lawyer, court and call to verify they claim. Even if the debt is real, you have the right to defend yourself under the federal Fair Debt Collection Practices Act. Continued on next page

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FIVE WAYS TO BEAT A GOVERNMENT IMPOSTER SCAM

1. Don’t wire money. Scammers pressure people into wiring money or sending prepaid credit cards to them. Never deposit a “winnings” check and they wire money back. The check is fake and you will owe the money you wired back to your bank. Don’t share your account information or send a check or money order using a overnight delivery service. Con artists want to get your money before you realize you’ve been cheated.

2. Don’t pay for a prize. If you enter and win a legitimate sweepstakes, you don’t have to pay anything to collect your prize.

3. Don’t give a caller your financial/personal information. If you receive a call about a debt, contact the company directly to verify the debt. Fake debt collectors can use your information to steal your identity.

4. Don’t trust an official-sounding name. No government official will ask you to send money for a prize or to pay debts.

5. Put your telephone number on the National Do Not Call Registry. (www.donotcall.gov). This will help to screen calls for legitimacy.

NATURALIZATION TEST SAMPLE QUESTION:

What is the “rule of law”?

The American concept that everyone must follow the law; leaders must obey the law; government must obey the law;

and that NO ONE is above the law.

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CENSUS RELATED SCAM

The US Census Bureau is the federal agency responsible for collecting data about the people and economy of the United States. It must collect some personal and demographic information from people to do this research.

Some scammers may pretend to work for the US Census Bureau to steal your identity. They may send official-looking letters or come to your home to try to collect information about you.

To verify if a survey is from the Census Bureau call the New York Regional Office at (800) 991-2520.

TELEPHONE SCAMS

Telephone scammers will try to sell you something you hadn’t planned to buy and will pressure you about giving up personal information, like your credit card or Social Security numbers.

A few examples of fraudulent “offers” from telemarketers include travel packages – free or low-cost vacations that can end up costing a fortune in hidden costs. Advance fee loans, payday loans and credit card loss protections also contain hidden costs and fees. Scammers will take advantage of people who do not research investments with fake business opportunities. Many phone scams involve urgent requests for recent disaster relief efforts by scammers pretending to be from legitimate

FINANCIAL SCAMS

Two common financial scams include banking and investment scams. Banking scams include fake check scams where a scam artist creates counterfeit checks that look real with watermarks, routing numbers and the names of real banks. They then use them as part of other frauds against consumers. Unsolicited check scams happens when a scammer sends you a check that you didn’t ask for. By cashing it you may be authorizing the purchase of items kyou didn’t ask for, or you may be signing up for a loan you cant afford.

Investment scams prey on your hope to earn interest on the money you invest. Examples are penny stocks that are inexpensive and likely to fail. Once enough people buy these stocks because of the overblown advertising, scammers sell their shares, take their money and leave other investors with nothing when the stock prices drop.

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WORK AT HOME JOB OPPORTUNITIES

These scams offer the chance to earn extra cash for very little effort. Promises such as “You could make a small fortune on your coffee break” or “Get paid over $50,000 for just 90 minutes of work” are appealing and seem genuine.

The swindlers make their cash through registration fees, but you will soon discover that the amount of work you need to put in to recoup your initial outlay—let alone make a profit—is enormous.

E-MAIL FROM ABROAD or the NIGERIAN LETTER SCAM

Since the 1980’s, this scam has defrauded scores of consumers. Via email or a letter you learn that a rich foreign relative has died or is trying to get funds out of a war-torn region. If you send money upfront to cover the transfer fees, usually by wire, you will receive a check with the inheritance or gift money.

Not only will you lose the upfront money, but now that the scammer has your bank account number, your entire account could be wiped out and your identity stolen.

Some victims have even been lured to Nigeria, where they have been jailed because the victim is actually conspiring to violate Nigerian law.

TIPS FOR AVOIDING SCAMS

Do not reply to scams in any manner. Send the letter or email to the United States Secret Service, the Federal Bureau of Investigation or the Postal Inspection Service.

Register a complaint with the Federal Trade Commission’s Complaint Assistant.

Guard your account information carefully. Do not give out your Social Security number.

Always independently verify businesses, individuals or organizations that request money from you. Ask for full contact details such as street address and telephone numbers.

Read the small print on any documentation you receive.

Make sure you understand everything before you sign anything.

Never pay for a “free” gift.

Trust your gut instinct.

Always look a gift horse directly in the mouth and count its teeth!

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ROMANCE SCAMS Scammers are on dating sites and social networks setting up FAKE PROFILES. Scammers pose under the disguise of beautiful pictures as either males or females claiming to be from the United States. The scammer weaves a story of a successful person working over seas; having no family. They pretend to be a thoughtful, caring and loving individual who is looking for their soul mate. They ask their victim a lot of question about what they want in their lives and then use that information to their advantage.

The scammer takes the information given by the victim and turns it into a dream that becomes a reality to the victim. They use words we all like to hear to woo our hearts so they can burn our souls. They use psychology to hold the victim in their spell. Once a relationship is established, the scamming begins. In virtually all cases, the scammer asks for financial assistance such as cashing a check that they are unable to cash themselves. Or they ask for money to help them out of a difficulty they are having. For example, they landed in a hotel and now cannot pay the bill so the hotel is holding all their papers and they cannot leave. Or, they are desperate to come to you but need your help with the money to manage the trip. Perhaps they have been mugged and are in the hospital and need you to pay their hospital bill as they are being held hostage until it is paid.

After the money is sent, the “romance” is over. Maybe. Scammers have a “contact” list. You may receive random instant messages and emails from people you do not know. They are scammers trying to scam you again. Tell them you know they are a scammer and block them. File a police report if you have lost your money.

Scammers are often exposed by looking at their on-line profile, or examining how they write and speak English or whatever language they are using. If they confess love at first meeting or they claim God brought you to them, be very wary.

Romance scamming has been estimated to be a $50 million dollar a year business.

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HOW TO SCAM-PROOF YOUR PASSWORDS

Although no password is completely unbreakable, here are some tips to better protect against fraudsters and hackers.

1. Choose a password between 10 and 16 characters; 2. Make the password as complicated as possible, using letters,

punctuation, symbols and numbers; 3. Change your password on a regular basis, at least every three

months; 4. Don’t use the same password for everything; 5. Pick a password you won’t forget. Use a phrase rather than a

single word to remember it; 6. Avoid single word passwords or sequences of numbers or other

characters; 7. Unclick the remember option on your computer in the event your

computer is lost or stolen. Keep an index card file for your password for each website;

8. Use the shift key capitalize letters and use symbols above the number keys;

9. Don’t use obvious passwords such as family names, addresses or dates of birth;

10. Use random words with no link to each other; 11. Use a free tool like Microsoft password checker to measure your

password security.

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UNCLAIMED MONEY FROM THE GOVERNMENT

If the government owes you money and you do not collect it, then it is “unclaimed money.” This also applies to money owed to you by banks, credit unions, pension, and other sources. Here is how to look for unclaimed money and how to avoid scams related to unclaimed funds.

There is no single website for finding unclaimed money. You must check a number of different sources, such as:

1. New Jersey: www.MissingMoney.com. Once identified, a claim form can be found at www.unclaimedproperty.nj.gov.

2. Unpaid wages: Contact the Wage and Hour Division’s database of workers for whom money is waiting to be claimed at www.dol.gov/whd.

3. Retirement: Pensions from former employers may be found at the Pension Benefit Guaranty Corporation website. www.pbgc.gov/search.

4. Taxes: Unclaimed tax refunds can be found at www.irs.gov.

5. Matured Savings Bonds: Search for bonds issued since 1974 that have matured or are no longer earning interest at www.treasurydirect.gov.

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FEDERAL TRADE COMMISSION [FTC]

COMPLAINT ASSISTANT

www.FTCcomplaintassistant.gov

MICROSOFT PASSWORD CHECKER

GOOGLE: “microsoftpasswordchecker”

NATIONAL DO NOT CALL REGISTRY

www.donotcall.gov

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NJ Division of Elections - 6/��/12

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If applicant is unable to complete this form, print the name and address of individual who completed this form.

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Please print clearly in ink. All information is required unless marked optional.

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New Jersey Voter Registration Information

You can register to vote if:� You are a United States citizen� You will be 18 years of age by the next election � You will be a resident of the State and county 30 days before the election� You are NOT currently serving a sentence, probation or parole because of a felony conviction

Registration Deadline: 21 days before an election Your County Commissioner of Registration will notify you if your application is accepted. ,I�LW�LV�QRW�DFFHSWHG��\RX�ZLOO�EH�QRWL¿HG�RQ�KRZ�WR�FRPSOHWH�DQG�RU�FRUUHFW�WKH�DSSOLFDWLRQ�Questions? visit Elections.NJ.gov or call toll-free 1-877-NJVOTER (1-877-658-6837)

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New JerseyVoter Registration

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NJ DIVISION OF ELECTIONSPO BOX 304

TRENTON NJ 08625-9983

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You can register to vote if:n You are a United States citizenn You will be 18 years of age by the next election n You will be a resident of the county 30 days before the electionn You are NOT currently serving a sentence, probation or parole because of a felony conviction

Registration Deadline: 21 days before an electionYour County Commissioner of Registration will notify you if your application is accepted.If it is not accepted, you will be notified on how to complete and/or correct the application.

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DIVISION OF ELECTIONS PO BOX 304 TRENTON NJ 08625-9983

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BUSINESS REPLY MAILFIRST-CLASS MAIL TRENTON NJPERMIT NO. 206

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Nueva Jersey Información de Inscripción de Votantes

Usted puede inscribirse para votar si:� Es ciudadano de los Estados Unidos.� Va a tener 18 años de edad para la próxima elección.� Va a ser residente del Estado y del condado 30 días antes de la elección.��12�HVWi�DFWXDOPHQWH�FXPSOLHQGR�XQD�FRQGHQD��EDMR�¿DQ]D�QL�KD�VLGR�FRQGHQDGR�SRU�XQ�GHOLWR�PD\RU�

Plazo de inscripción: 21 días antes de una elección(O�&RPLVLRQDGR�GHO�&RQGDGR�GH�,QVFULSFLyQ�OH�QRWL¿FDUi�VL�VH�DFHSWD�VX�VROLFLWXG�6L�QR�VH�DFHSWD��VH�OH�QRWL¿FDUi�FyPR�FRPSOHWDUOD�\�R�FRUUHJLUOD�¿Tiene alguna pregunta? Visite (OHFWLRQV�1-�JRY o llame a la línea gratis 1-877-NJVOTER (1-877-658-6837)

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New JerseyVoter Registration

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NJ DIVISION OF ELECTIONSPO BOX 304

TRENTON NJ 08625-9983

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You can register to vote if:n You are a United States citizenn You will be 18 years of age by the next election n You will be a resident of the county 30 days before the electionn You are NOT currently serving a sentence, probation or parole because of a felony conviction

Registration Deadline: 21 days before an electionYour County Commissioner of Registration will notify you if your application is accepted.If it is not accepted, you will be notified on how to complete and/or correct the application.

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Importante: Impresión hacia fuera en 100% - NO REDUCIR. Doblar según lo ilustrado para asegurar el correo apropiado.

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DIVISION OF ELECTIONS PO BOX 304 TRENTON NJ 08625-9983

NO POSTAGENECESSARY

IF MAILEDIN THE

UNITED STATES

BUSINESS REPLY MAILFIRST-CLASS MAIL TRENTON NJPERMIT NO. 206

POSTAGE WILL BE PAID BY ADDRESSEE

Artwork for User Defined (3.625" x 8.5")Layout: sample BRM Env with IMB.lytDecember 30, 2010

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IMPORTANT: DO NOT ENLARGE, REDUCE OR MOVE the FIM and POSTNET barcodes. They are only valid as printed! Special care must be taken to ensure FIM and POSTNET barcode are actual size AND placed properly on the mail piece to meet both USPS regulations and automation compatibility standards.

Local 99 Legal Services Program

The Local 99 Health & Welfare Fund established the Legal Services Program in 1999 to assist its participants in the protection of their personal legal rights and to deal with and avoid legal problems.

The Legal Services Program provides and advice and consultation for specific types of legal problems under NEW JERSEY law only. No representation in legal proceedings is available.

Participants are entitled to meet without charge with an attorney to review documents. A single attorney letter or telephone call is included. Complementary wills and powers of attorney are also provided.

HOW TO CONTACT US:

RACHEL P. ROAT, ESQ. DIRECTOR

LOCAL 99 HEALTH & WELFARE FUND LEGAL SERVICES PROGRAM

18 Washington Place, Second Floor

Newark, New Jersey 07102

TELEPHONE: 973-735-6464 ext. 119

EMAIL: RoatLaw@gmail.com

WEB: www.local99healthfund.org

Volume Three, Number 4 Fall 2015