Whether you're a victim of Hurricane Sandy seeking relief or someone who wants to help out, don't become a victim of fraud.
Our experts and those at the Federal Trade Commission note that scammers target disaster-affected areas trying to defraud those seeking help or wanting to donate. Protect yourself from financial harm or identity theft by following the tips below.
Before you donate:
Give to only charities you know and trust, such as the American Red Cross.
Check a charity before you donate. See the Better Business Bureau's Wise Giving Alliance.
Be alert for charities that seem to have sprung up overnight.
Ask if the caller is a paid fundraiser, who they works for, and what percent of your donation goes to the charity vs. the fundraiser.
Don't give out personal or financial information unless you know the charity is reputable.
Never send cash. You can't be sure the organization will receive your donation, and you won't have a record for tax purposes.
If you need to hire a contractor, be sure to:
Ask for copies of the contractor's general liability and worker's compensation insurance.
Check the contractor's identification and references.
Avoid paying more than the minimum in advance.
Deal with reputable people in your community.
Call local law enforcement and the Better Business Bureau if you suspect a con.
