Scammers often target disaster victims. Here’s how to safeguard your information and avoid falling prey to fraud.
Karina Layugan, an attorney with the FTC, warns that these scammers might pretend to be from utility companies or FEMA. They’ll ask for personal info under the guise of “verifying” it. If someone asks for your details, question why they need it. Always reach out to the company directly to confirm.
It’s a sad reality that after disasters, people are more susceptible to pressure tactics. Scammers create a sense of urgency, pushing you to act quickly, which can lead to poor decisions. Remember, FEMA won’t charge you for aid applications. Be cautious of anyone claiming they can expedite your FEMA relief for a fee.
When disasters strike, contractors will also flood the area, offering help to rebuild. But be careful! Some are just looking for a quick payday. If someone promises immediate repairs or asks for cash upfront, that’s a red flag. Always get written contracts and do your homework on any contractor you consider.
In 2023, about a million people reported identity theft, and millions more reported fraud. To protect yourself, keep an eye out for signs that your information might be compromised. This could include unexpected bills or accounts opened in your name.
If you suspect identity theft, act fast. Report it to the FTC and the major credit reporting agencies. They can help you set up fraud alerts and freezes to protect your accounts.
Also, secure your personal information. Collect your mail daily and store sensitive documents safely. Never share your Social Security number or bank details with unknown callers.
Finally, remember that scams can take many forms, especially during vulnerable times. Stay vigilant and protect yourself from all types of fraud, not just those related to disasters.