Tell the FCC to Stop Debt Collectors from Calling Your Cell Phone

Debt collectors want permission to call your cell phone. They want to use autodialers in order to reach as many numbers as possible.

The law currently protects consumers from such calls to cell phones, but the debt collectors want that to change.

The Case of the Disappearing Check: What is Electronic Check Conversion?

Electronic check conversion may be used when you make purchases in person at a store or when you mail a check to pay your credit card, utility or mortgage account payment. Either way, the growing use of electronic check conversion means you have to be more diligent than ever about tracking your payments and correcting errors in your account. When checks are processed electronically, your rights, remedies, and potential losses are governed by the federal Electronic Funds Transfer (EFT) Act. This is the same law that governs your ATM and debit card transactions.

Dump Your Debit Card! New Guide Explains Your Card Payment Options

The PRC advises that most consumers should not use or carry a debit or check card.  The guide explains the eight major shortcomings of these cards and suggests alternatives for consumers to consider.  Paul Stephens, PRC’s Director of Policy and Advocacy, elaborated, “Scammers have become quite sophisticated in gaining access to your card information.  Most people don’t realize that lost, stolen, or compromised debit cards can provide an open door for fraudsters to empty your bank account."

Phishing Emails Can Lead to Domain Registration for Scam Web Sites

"Phishing" emails are sent by scam artists and are disguised to look like they come for a legitimate financial institution or other online vendor such as eBay or PayPal. The PRC has received reports from those who have replied to phishing emails with their name, address and phone number who later learned that their personal information was used by the phisher to register web site domains. At times, if they also provided a legitimate credit card number, it may be used to pay for the web site registration, too.

Resume Database Nightmare: Job Seeker Privacy at Risk

According to legal documents, HotResumes.com sold 4,941 resumes and/or email addresses to Biotechcareers.com for .33 cents each. 

In any job search, it is undeniably important to circulate a resume. However, job seekers need to carefully minimize privacy issues related to resumes while still maintaining appropriate exposure to employers.

Do Not Call Registry is "Fully Up and Running": Updates on Court Challenges and Enforcement Actions

Court challenges to the National Do Not Call Registry were thrown out about by the 10th Circuit District Court, upholding the ability for consumers to sign up for the Registry. While being challenged, the Federal Trade Commission (FTC) was given permission to begin enforcing the registry by the Tenth Circuit Court of appeals on October 7, 2003. Telemarketers can begin accessing the Registry on October 10th and have seven days to scrub their calling lists of those numbers.

Your Cell Phone Can Continue Talking Even After You Get Rid of It

It may not seem like common sense to clean your trash before you throw it away, but with technology that is exactly what you should do. 

Before you sell, donate or trash your cell phone, make sure that your personal information has been permanently deleted.  For most phones, this means more than resetting the phone.  Although resetting the phone may appear to delete your information, recent reports suggest that software programs can retrieve the information if it was not properly deleted.

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