Avoiding Valentine’s Day Scams

In these tough economic times, nothing says “I love you” quite like saving money. And the best way to save this month is avoiding Valentine’s Day scams meant to separate you from your cash even as you try bring togetherness into your life—either by treating your partner with something special or by finding one.  This is especially true in an era of online propositions of all sorts, whether they be from online dating sites or unscrupulous vendors awaiting unwary consumers.

To give the gift of a rosier February, here are some tips from the Federal Trade Commission meant to keep your personal information (and personal wealth) under wraps in the days and weeks surrounding February 14, and beyond.

Protect Yourself When Pursuing Online Dating
Online dating sites, not to mention social networks, have exploded over the last several years, with millions of people attempting to connect with that one special person, or many special friends. Despite their popularity, not all of these sites are safe and sound when it comes to sharing and caring. In fact, the FTC recommends remaining extra cautious when engaging in any sort of online relationship, especially when the person on the other side of the connection wants to meet, share personal information, or engage in having you spend money for the privilege of their company. Even if you’re feeling sentimental this Valentine’s Day, it pays (quite literally, in some cases) to remain vigilant.

Understand that Not All Flower Companies Deliver on Their Valentine's Day Promises
Flowers are February 14th’s best friend, and the holiday often demands an order for a bouquet of this or an arrangement of that. But the FTC also warns that flower delivery “services” are actually scammers, involving complex telemarketing schemes that offer costly services which are otherwise cheaper at your local flower shop.  A rosier Valentine’s Day is often only a matter of utilizing a local legitimate company that offers a fair price for the flower petals they’re peddling.

Watch Out for Renewal Offers
If magazines are your mate’s special vice, be wary of renewing their favorites so easily. Some scammers have begun sending phony renewal notices to entice subscribers to send checks for another year’s worth of periodicals. Forget the mail-in offers and go directly to the magazine’s online presence for better deals and secure platforms to enter any financial information.

Find Someone Who is Financially Compatible
When it’s all said and done, finding a compatible partner often entails finding a person who is financially compatible with your spending habits. Even though there are often more romantic things to discuss over a Valentine’s meal, discussing your financial future can often be the best investment in a new (and continuing) relationship. Whether you’re a spender or a saver, savor these special opportunities with your partner to plan for a better financial future—together.

Most importantly, as you embark on a serious relationship with a person, you should begin a serious relationship with your finances by protecting your coffers like you would a companion.

So whether you’ve fallen victim to downsizing or scams offering “upsizing,” understand that a qualified bankruptcy attorney can be a safe and authentic way for financially insecure couples to conquer their creditors. In fact, the bankruptcy experts at the Law Offices of John T. Orcutt offer a totally FREE debt consultation and now, more than ever, it’s time to take them up on their offer. Just call toll free to +1-833-627-0115, or during the off hours, you can make your own appointment right online at www.billsbills.com. Simply click on the yellow “FREE Consultation Now” button.