Consumer Protection FAQs

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Avoiding Insurance Scams

  • Be wary of people selling insurance door-to-door and over the telephone.
  • Be suspicious if, after an accident, a stranger contacts you to offer “quick cash” or recommends a particular attorney or health care provider. Report the incident to your police department.
  • Don’t give your insurance identification numbers to companies you don’t know.

Identity Theft

Avoiding Internet Scams

  • Consider the promotion carefully.
  • Get earnings claims in writing.
  • Study the business opportunity's franchise disclosure document.
  • Interview each previous purchaser in person, preferably at their place of business.
  • Contact the local consumer protection agency and Better Business Bureau, both where the business opportunity promoter is based and where you live to find out whether there is any record of unresolved complaints.
  • Internet fraud
  • Cybercrime web site
  • Tips on dealing with internet fraud
  • Internet Crime Complaint Center

National Do Not Call Registry Program

  • FCC regulations prohibit telemarketers from using automated dialers to call cell phone numbers. Automated dialers are standard in the industry, so most telemarketers are barred from calling consumers on their cell phones without their consent
  • The federal government does not maintain a national cell phone registry. Personal cell phone users have always been able to add their numbers to the National Do Not Call Registry — the same Registry consumers use to register their land lines — either online at or by calling toll-free 1-888-382-1222 from the telephone number they wish to register. Registrations become effective within 31 days of signing up and are active for five years. There is no cut-off date or deadline for registrations.

Lemon Law

  • The Lemon Law applies to passenger automobiles, including pickup trucks and vans and any self-propelled motor vehicle chassis of motor homes sold new to a consumer in the State.

FDA on Food Proctection

  • Over the last few years, FDA has worked with food safety agencies at federal, state and local levels to significantly strengthen the Nation's food safety system across the entire distribution chain -- from the farm to the table. The main results of this cooperation -- more effective prevention programs, new surveillance systems, and faster foodborne illness outbreak response capabilities -- have already enabled the agency to protect the safety of our food supply against natural and accidental threats.

Collection Agency

  • The FDCPA provides that a collection agency must end all contacts if the consumer sends a letter asking them to stop. The collection agency may, however, send a final letter acknowledging that it will no longer be contacting the consumer. The final letter may also state what future steps the creditor plans to take to collect the debt.

Mortgage Scams

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