Expensive Heloise: Debt assortment scams have turn into extremely popular with the scammers, however listed below are some issues to look out for:
• In case you are contacted by a “debt assortment company,” get the identify of the individual calling, their telephone quantity, deal with and anything you possibly can. Ask them to offer you their license quantity to do enterprise in your state, after which confirm that quantity by contacting the secretary of state on your state.
• Don’t give in to threats of arrest or violence. They can not name your employer, report you to immigration or take away your driver’s license. They can not garnish your wages or name you earlier than 8 a.m. or after 9 p.m. They need to by no means use profanity or shout at you over the telephone.
• Many states have a time restrict on money owed. If there was no exercise for a sure time period, the debt have to be written off. However verify with an lawyer to verify your state has such a legislation and what that point restrict occurs to be.
• However, most of all, don’t ship them any cash, present playing cards or cash wire transfers. If you would like further data, you possibly can go to www.usa.gov/stop-scams-frauds. — Josh H., Boston, Mass.
Expensive Heloise: Whereas dusting my china cupboard, I made a decision to let my 4 daughters, who’re all married, have a few of my lead crystal assortment. They might have inherited these things after I move away, so somewhat than wait, I’ve began to offer them to my women at birthdays and Christmas. Every now and then, they’ve expressed a need to have a sure piece, and I normally give it to them. This fashion there can be much less to undergo after I’m gone and no preventing over who will get what. — Joan B., Rutland, Vt.
Expensive Heloise: What do you advocate for do-it-yourself treatments for insect bites and poison ivy? — Diana V., Rockingham, N.C.
Diana, for insect bites, poison ivy, poison sumac and poison oak, you possibly can fill a tub with water and add a beneficiant quantity of baking soda. If the spot itches terribly, you may make a paste of baking soda and water (or baking soda and witch hazel) and apply it to the realm to assist reduce the irritation.
© 2021 by King Options Syndicate Inc.