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How To Recover Your Hacked Email or Social Media Account

There are lots of ways to protect your personal information and data from scammers. But what happens if your email or social media account gets hacked? Here are some quick steps to help you recover your email or social media account.
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Avoiding and Reporting Gift Card Scams

Only scammers will tell you to buy a gift card, like a Google Play or Apple Card, and give them the numbers off the back of the card. No matter what they say, that’s a scam. No real business or government agency will ever tell you to buy a gift card to pay them. Always keep a copy of your gift card and store receipt. Use them to report gift card scams to the gift card company and ask for your money back.
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How To Block Unwanted Calls

Got a phone? Then chances are you get calls from scammers. Scammers don’t care if you’re on the National Do Not Call Registry. That’s why your best defense against unwanted calls is call blocking and call labeling. Here’s how to block and report unwanted calls on cell phones and home phones.
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How To Save Money on Heating and Cooling Your Home

Heating and cooling your home can take a lot of energy. But there are things you can do to make your home more energy efficient, which might even lower your heating and cooling bills. Here’s what to know.
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Warranties

Buying a big-ticket item like a car or home appliance? Manufacturers or sellers often include a warranty — a promise to stand behind the product.
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What To Know About Payday and Car Title Loans

Need cash fast to deal with an emergency, bills, or rent? A payday loan or car title loan might be tempting. But these are expensive loans and they can trap you in debt. Find out how they work and about other possible ways to get money or credit quickly.
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How To Avoid a Scam

Recognizing these common signs of a scam could help you avoid one.
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Fake and Abusive Debt Collectors

Have you ever gotten a call about a debt you don’t recognize? Or had a collector harass, threaten, or lie to you?

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Buying Prescription Glasses or Contact Lenses: Your Rights

Taking care of your eye health and monitoring your vision is an important part of living a healthy life. Any time your eye care professional measures your prescription for eyeglasses or contact lenses (an exam that is called a refraction), they must give you a copy of your prescription — whether you ask for it or not — at no extra charge. Wherever you choose to buy your glasses or contact lenses, your prescription lets you shop around for the best deal. The FTC enforces the Eyeglass Rule and Contact
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Trouble Paying Your Taxes?

Do you owe back taxes and don’t know how you’re going to pay them? Tax relief companies say they can lower or get rid of your tax debts and stop back-tax collection. They say they’ll apply for IRS hardship programs on your behalf for an upfront fee. But in many cases, they leave you even further in debt. Your best bet is to try to work out a payment plan with the IRS for federal taxes or your state comptroller if you owe state taxes. 
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Debt Collection FAQs

Is a debt collector calling? What can you do? What are your rights? The Fair Debt Collection Practices Act (FDCPA) makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Here are some answers to frequently asked questions about your rights.
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Job Scams

Scammers advertise jobs the same way honest employers do — online (in ads, on job sites, and social media), in newspapers, and sometimes on TV and radio. They promise you a job, but what they want is your money and your personal information. Here are some examples of jobs scams and advice on how to avoid them.
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Buy Now, Pay Later, Rent-to-Own, Lease-to-Own, and Layaway

“Buy now, pay later,” rent-to-own, lease-to-own, and layaway plans let you buy things without paying in full right away. Before you say yes to one of these plans, find out the details. Depending on the type of plan you choose, you could end up paying a lot more than you expected.
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Are Public Wi-Fi Networks Safe? What You Need To Know

Public Wi-Fi networks, or hotspots, in coffee shops, malls, airports, hotels, and other places are convenient. In the early days of the internet, they often weren’t secure. But things have changed. Here’s what you need to know about your safety when you connect to a public Wi-Fi network.
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Paying for School and Avoiding Scams

Paying for school can be expensive. Many people need to take out loans to cover the cost, but dealing with the debt and repayment options can be confusing.

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Debts and Deceased Relatives

Here’s what to know about the rules and your rights when a collector contacts you about a deceased relative’s debts.