05.04.26 Invitation To A SCAM / How To Handle Debt Collectors

There’s a new scam hitting inboxes that several of our team members admit would have fooled them. Digital thieves are sending fake party invitations that appear to be coming from your friends. After hacking into email contact lists, scammers send out deceptive invites to download viruses onto your device, giving them access to your financial accounts and private emails. Know what to do before clicking any links. Also today, learn - how to tell if a debt collector is legit, actionable strategies if faced with collector harassment, and where to turn for legitimate help paying off debt. The Party Invite Scam: Segment 1 Ask Clark: Segment 2 Debt Collection & Debt Relief: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Scam Alert: New ‘Party Invite’ Message Can Empty Your Bank Account Fraud Is Skyrocketing: 5 Ways To Protect Your Hard-Earned Assets Why You Should Never Click on Random Text Messages The Best Place To Buy a Mattress - Clark Howard Which Documents Should You Keep and for How Long? How To Send a 'Drop Dead' Letter to a Collection Agency What to Do When You're Being Harassed About an Old "Zombie Debt" 6 Things To Know Before Contacting the National Foundation for Credit Counseling Avalanche vs. Snowball: Which Debt Payoff Method Is Best? How To Build Your Credit Score from Scratch - Clark Howard Clark.com resources: Episode transcripts Community. Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

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• 1:20Speaker 02

  I'm so glad you're with us here on The Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. So, I hate to start out this week on a negative Nelly note, but there's a new scam that several of our team members admitted would fool them. And think about it. We got people who work on our team who are so scam-aware, and they would have been taken by this one. And it's coming to your email inbox. I'm going to tell you what to watch out for.

• 2:05Speaker 02

  And later... I'm hearing from more and more of you about the stress of owing money, having bills, having debt. I want you to know how to know whether a collector contacting you is legit. And also, where should you turn for legitimate guidance if you're looking for help to try to get your debts paid off or under control? We're going to talk about all that today on our YouTube show and podcast. So there's a scam that has been growing. I've been reading stories about it and thought we would do it like a week ago and didn't get around to

• 2:49Speaker 02

  it. And then I read another story from a woman I just respect so much, Michelle Singletary, who's a personal finance writer, The Washington Post, how it happened to her. And this scam, at one level, is very clever, very deceptive, and another, actually, pretty simple for criminals to pull off. So I need to make sure you know, because this will morph, and it will become a way that criminals really make your life miserable. So I want to make sure you know. Here's what happens. Criminal hacks into somebody's email, and what they're after

• 3:34Speaker 02

  is your contact list. And then they send out a fake party invitation to all the contacts of the individual they stole the information from. And so it looks like there's a party for Jim or Mary or whoever. And so a lot of those will go to people who don't really know the person whose party is. They're not even going to pay any attention. But what happens if in those contacts, there's a good, solid hit with a really good friend or relative? And they get something that looks just like a regular

• 4:14Speaker 02

  Party invitation from a regular party site. You know, the ones that do the invites, the one that Michelle Singletary got looked like it was from one of the regular ones. And it was somebody she knew, but not well enough to be invited to their party. The other articles I've read about this have been pretty dry, you know, from security firms and stuff. So I thought Michelle's was so great because this actually happened to her and she almost fell for it. And it came on Punchbowl or appeared to be from Punchbowl.

• 4:54Speaker 02

  And this is the key for you to remember with any party invitation you get. It will come appearing to be from Evite or Punchbowl or any of the various invite systems that people use for a party, but they're not actually from any of these organizations. They just mimic exactly the look of their invitations. They'll have in them where it looks like you're getting it from them. But if you look at the sender, the sender is not from them. It was just, you know, a randomized email account and they send these all out to the stolen lists. So you may wonder, what are they after? Okay.

• 5:39Speaker 02

  If you click on the link in one of these phony party invitations, you have now downloaded really ugly viruses to your phone or computer that allow somebody to have access to everything on them. And what they're after obviously are your bank accounts, brokerage accounts, retirement accounts, whatever, and your email stuff so they can then do it to other people and then other people and then other people. This one's pretty serious. So, I mean, for a good while from now, I want you to remember this.

• 6:21Speaker 02

  And anytime you get a party invitation, before you ever click on the hyperlink in it, I want you to look at the sender information. And if it's not actually from the email service that does the invites, you know, you're about to get scammed and get an ugly virus in there on your computer, which puts your information at big time risk.

• 6:51Speaker 03

  You know, I was just talking about this because you would show me this article with a friend. I mean, I would totally click on that. It's insane that they can do that now.

• 7:00Speaker 02

  It's so, you know, you're busy, you're on your phone, you're distracted.

• 7:04Speaker 03

  It's not even that.

• 7:05Speaker 02

  Oh, so and so is having a party.

• 7:06Speaker 03

  Yeah. I mean, if I wasn't distracted, like I might get an invitation to a party that's for another friend from somebody I don't know that well, but maybe they've emailed me before. So I'm in their email. It's just, it looks very real. So now we gotta check with people that they're really sending you an invitation.

• 7:21Speaker 02

  Okay. So here's the simplest base rule there is. Anytime you get a message, text, email, whatever, really think thoroughly before you click on a link.

• 7:33Speaker 03

  Yeah.

• 7:33Speaker 02

  Cause the problems all come from clicking on those links. You know, one I got twice this week?

• 7:40Speaker 03

  What?

• 7:40Speaker 02

  This one's running the rounds right now is the phony invoice for a toll violation.

• 7:47Speaker 03

  Oh.

• 7:48Speaker 02

  And it says that, you know, it says it's from the police and they're going to arrest you and all this stuff unless you click here and pay the toll violation. The toll violation things have been running around for a while, but it was interesting. I got two of them this week alone.

• 8:03Speaker 03

  All right. Well, I'm going to start with Dan in Florida's question here, Clark. You might want to sit down for this one. My wife needs a beauty rest mattress in the $4,000 range due to her back issues. And I wanted to get your take before we go shopping. Is there any real room to negotiate on mattresses? Or is this one of those purchases where you just have to bite the bullet? It's not like I'm out buying diamond earrings. Also, is there a way to avoid the middleman and buy direct? Or any other strategies you recommend to save money?

• 8:31Speaker 02

  So Dan, this is a great question because the mattress business has gone through enormous transformation.

• 8:39Speaker 02

  And right now, there's a huge oversupply of companies making mattresses. So mattresses are very, very price competitive. That's why so many traditional stores that were just mattress sellers have gone bankrupt, closed their doors, whatever, because the business is overstored and over manufactured right now. So yes, you have tremendous negotiating power. Also, this is an area that, gosh, I'm going to sound like the man from Consumer Reports, but Consumer Reports does thorough testing of mattresses by different categories, inner

• 9:22Speaker 02

  spring, foam, and they will tell you which mattresses they've tested, they recommend, which ones are not only a recommendation, but are Consumer Reports best buy. And they'll give you what their best guess is of street price right now on those, meaning what you should really be looking to pay because retail prices of mattresses mean nothing. Part of your question, buying direct, a lot of the manufacturers do sell direct. Also, the warehouse clubs are huge players in the mattress business now. I don't even know what percent they represent now at Costco, Sam's, and BJ's Wholesale.

• 10:05Speaker 02

  They are huge market share of the mattress business. The advantage and the reason the warehouse clubs have gotten so big in the business is they usually have a period of time that the mattress can be returned for a full refund, which is very important because mattresses, even if a mattress works for somebody else, it may not work for you. And it's a product that's a big dissatisfier, that people often buy one and they're like, well, I thought that was a good idea. And you're talking about, how much money you say?

• 10:38Speaker 03

  $4,000.

• 10:39Speaker 02

  $4,000.

• 10:40Speaker 03

  But we don't know that they'll have that specific brand.

• 10:43Speaker 02

  They may or may not. They may or may not. But I would start, rather than focusing specifically on Beautyrest, a very well-known and recognized and respected brand. I would start with Consumer Reports. Go to the library to read it for free. If you have online access through your library, you can see it for free. Or you pay Costco for acc- uh, Costco, pay.

• 11:05Speaker 03

  Consumer Reports.

• 11:06Speaker 02

  For access to the mattress ratings, which I don't know what they charge for one-time access. It's not a lot compared to what you're paying for. And then buy only from a place that gives you the right to return for a refund. A lot of the direct sellers of mattresses give you three months to decide if you're happy with it or not. And then we'll take it back for a full refund. Don't give any credibility to any store that says, well, we'll give you a credit towards another one. No. If you didn't like the brand, you want a refund and you want to start over.

• 11:49Speaker 03

  And Memorial Day coming up is a big time when mattresses go on sale.

• 11:53Speaker 02

  You know, that's so funny you said that because the joke about the mattress business is there's always a sale, which is because right now the business is so overpopulated. I should mention when you buy direct, the industry has some instability to it now. It's always possible you'd buy from a company direct that has a full refund policy. And they go bust before you can exercise the full refund if you don't like it.

• 12:21Speaker 03

  Mandy in Nevada says, my husband and I are in our 40s and we have two daughters who are 15 and 18. We just updated our living revocable trust and it got us thinking about other documents and information we should organize and have available for family members when we pass. Things we thought of were bank accounts, investments, house documents, and even digital information like passwords for websites and email accounts. I have two questions. One, what do you recommend as a convenient and accessible method for putting all this information in one place? We considered using a single binder that we keep in our house. And two, are there any other items or information we should also include? Thank you for your help and guidance. We really enjoy your show and have learned so much. And someone else had written in and mentioned Fidelity has a service. For you to keep documents online, by the way.

• 13:06Speaker 02

  The Valley Investments does? That's great to know. I mean, we talked, when we had this question before, we talked about the, of all places, the National Institute of Health has a very good briefing on their website, NIH.gov, on what documents you should keep, what should be updated and all that. And there are several different lists. We have a list of what documents to keep and all that. Because this is something that people ignore at their family's peril. You just forget what you should make sure your loved ones know about.

• 13:44Speaker 03

  Another one I would add, by the way, that people don't think about is the password to your phone. Because it might be your two-factor authentication. Somebody should be able to have the the code, the PIN code to get into your phone.

• 13:55Speaker 02

  100%. So, in my family, we must have terrible security, but we all trust each other. Everybody knows everybody else's passcode into their phone.

• 14:06Speaker 03

  All right. Craig in Colorado says, "I've routinely used a credit card for expenses and faithfully paid 100% of the balance monthly, thanks to a steady paycheck. Now I'm getting ready to retire, where of course my income will be fixed, social security and my portfolio withdrawals. Is it wise post-retirement to continue to use a credit card for expenses as I have been? Or is there another approach that is recommended?"

• 14:26Speaker 02

  Well, Craig, your question is so timely, I can't believe it. Because this is perfect, and congratulations on your upcoming retirement. Before you retire is when you really assess what credit you're going to need in the future. Because once you're retired, it's harder to get credit. So you say you use a credit card. I want you to have more than one in retirement. Because if the issuer you're with at some point decides they don't want you anymore, then you don't have the ease of being able to get another credit card. So I want you to have them from two different issuers and make sure you have this taken care of

• 15:10Speaker 02

  before you retire, when you're still reporting your work income. And yes, absolutely. Since you're a net payer, you pay in full when the card comes and all that. Absolutely great for you to use credit as a payment system. You might even consider If you get another card getting one of the 2% cash back cards, where you get 2% back on minimum on everything you purchase over the course of a month on that card. Because then you're paying 100% of your balance, but you're getting the benefit of 102% of what the balance is.

• 15:50Speaker 02

  So that is what I would recommend to anyone approaching retirement. Is make sure you have all the credit you might need in retirement. Another example is if you're privileged enough to be a credit union member instead of being with an inferior bank. You set up, because most credit unions do a home equity line of credit at no closing costs or very, very low, unlike the banks. And they tend to offer a better rate on a home equity line of credit than a bank. And so you can set that up before you retire. If you have a lot of equity in your home.

• 16:33Speaker 02

  If there might be an oops while you're in retirement. You need access to any of the equity from the home to repair something or replace something at your home. You have that HELOC already set up while you're still working. And speaking of credit and debt. Oh, man, we got to talk because people are going to link one on debt at what apparently is a record rate. Don't know if it's record rate inflation adjusted. There are two aspects of this I want to address straight ahead.

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• 19:25Speaker 02

  It's been almost exactly a year since I addressed an uncomfortable topic.

• 19:32Speaker 02

  And that is, if you start hearing from debt collectors, what are you to do? And you have rights that you may not be aware of. And one thing, in a time where there's a lot of people worried about debts or having debts, there are rogue debt collectors out there. You gotta be really careful and know that they really are a real debt collector, that it really is a debt you owe. And let me tell you something about debts. Rarely is a debt collector contacting you about a debt who has any real idea what, if it is a legitimate debt, what you actually really owe.

• 20:16Speaker 02

  I mean, they just harass you, make up amounts and all that. And debt collectors are not allowed to lie to you. Doesn't mean they don't. They're not allowed to harass you. Doesn't mean they don't. Even if you owe a debt. But let's say, well, I was expecting this. You get a call. You don't have to accept calls from a debt collector. You even have the right under the law to notify them in writing, and they're not allowed to harass you anymore. They're not allowed to call all hours of the day, call after call after call, shame you, threaten you, any of those things.

• 21:01Speaker 02

  But the very first step, if you are being contacted by a debt collector, you want proof of the debt. A legitimate debt collector, once first contact is made, has to provide you proof of debt in five days. And that proof comes to you in writing. It says who the debt is owed to, what the amount is they're seeking, and other facts about the debt. Remember, there are complete rogues that will contact you about debts that don't exist and intimidate you into paying a phony debt. There are debt collectors that will intimidate you into paying them on a legitimate debt, but an amount you don't owe.

• 21:45Speaker 02

  You have got to stand up for yourself. And once you have informed a debt collector in writing that they cannot contact you about that debt, they can never contact you again about it, except to tell you that they're turning it over to so-and-so law firm or something like that for legal action. Talking to a collector one time, isn't necessarily a bad thing. And if it's a debt you don't owe, you say, "I don't owe any such debt, but that's not enough." When you get the notice from them of the debt in writing, you then have to write them back because talking to them doesn't matter.

• 22:30Speaker 02

  And you dispute the validity of the debt. You know, there's an old expression in politics, "A lie unchallenged becomes the truth in 24 hours." With a debt collector, you don't challenge a stated debt within 30 days. It's looked at as a valid debt. You have got to write them and say, "Not my debt. I don't owe this." And then you add something else. "Now that you've been notified, if you report this on my credit report, I will sue you for listing a debt you've been notified is not my debt." You stay tough, you stay strong. Let's take a different circumstance.

• 23:14Speaker 02

  You realize it is your debt and you want to settle, you want to pay. You need in writing that payment of X dollars is payment in full against this debt. It must be in writing before you pay them anything. Period. If the debt collector seems really sleazy, do not ever give them your credit card number or checking account number to take money from. You pay them only by money order, so they don't have the ability to go back later and take more money from your checking account or post more charges on your credit card. You don't think this happens? Let me tell you, it does.

• 23:57Speaker 02

  Being a debt collector is a very difficult job and a lot of people do it exactly as they're supposed to, follow the law exactly as written. And then there are a lot who don't. You have to be prepared for those who don't. And if you don't have the money, you don't have the money. And you tell them that. What are they going to do at that point? And I talked recently briefly about the debt relief scams. I want to tell you over and over again, there are phony balonies out there pretending they're going to be the hero to you and help you get rid of your debts or reduce your debts or all the rest. All you got to do is pay them X number

• 24:42Speaker 02

  of dollars upfront. Scam, scam, scam, scam. There are legitimate nonprofit organizations you can go to to get debt counseling and negotiate a payment plan with who you owe money to. You can find legitimate ones at NFCC.org. Again, NFCC.org. And if you owe money and it feels hopeless and out of control, know that time heals everything. If you can't pay your debts after a period of time, those debts don't go away, but the chance they can sue you against

• 25:27Speaker 02

  them does. They can't be on your credit report depending on the debt passed a certain time, at most seven years. So know that your finances can heal many different ways. There is hope and there are paths. Krista?

• 25:47Speaker 03

  All right. This first question is from Jassen in Georgia. What are your thoughts on, do I want to read the?

• 25:54Speaker 02

  No, don't read that company name. I'm familiar with them.

• 25:56Speaker 03

  It will not give me a price and I have to sign up for a consultation. To sum it up, the program apparently is purposeful with every dollar going to where it will save you the most in interest. However, when websites don't put a price for services, it makes me wary. A colleague uses this and they said it's helped them immensely. Please give a review and for what kind of situation it would be worth it. How much should I pay for a program like this? Clark, keep in mind that I'm asking what a normal person would pay, not what Clark would pay. Maybe Krista should answer this last question.

• 26:28Speaker 02

  Okay, so we had a similar call like a month ago or so for a different organization. And this is one that is controversial. It has not been declared a scam, but is a little, I'm a little uncomfortable with what they do. It is almost a multi-level marketing organization. And they're not talking about the fees because they're many, many thousands of dollars. I've seen, when I was dealing with the questions about the other organization a while back, this one's charging like $5,000, $7,000, somewhere in there. And it's supposedly for some kind of magic pill payment system

• 27:13Speaker 02

  where you use your paycheck to have it automatically go to wherever it would have the greatest punch with paying every bill. And it is digging yourself a hole upfront with the amount of money you have to pay upfront. I don't like these systems. We don't have enough bills in our lives, hopefully, that you would need to spend thousands of dollars for some fancy dancy computer system. You can sit down in a little while and you can write down every debt you have, Jassen. How much you owe, what the interest rate is on each, and figure out your priorities with your debts.

• 27:57Speaker 02

  And I don't recommend anybody signing up with somebody who's, who's talking about how this is the greatest thing ever. And you ask, how much does it cost? And they won't tell you? That spoke everything you needed to know.

• 28:15Speaker 03

  Mike in North Carolina says, I've added my adult children as authorized users on my credit card with the thought that it might help their credit scores. If I'm not required to add their social security numbers when I add them to the cards, then how does this help them? Will the credit bureaus know how to identify them?

• 28:30Speaker 02

  You are exactly right, Mike. You only help authorize users if you do give their social security numbers. And then it will populate on their credit report from most issuers. It will populate that they are an authorized user on that credit. And it should help in many cases with their credit. Now, on the other hand, you are responsible for whatever they charge. You can make them an authorized user, not tell them about it, not give them the plastic if you're worried that any of your adult children might have a spending problem on your credit line.

• 29:14Speaker 03

  Jeff in Georgia says, when you've spoken about this topic before, the last time I heard you talk about it, it wasn't clear to me. Since my credit was recently dinged by this, I investigated what happened and would like to share the results of my research with you and your listeners and viewers. I have a USAA credit card with a $2,000 credit limit. I got it for the bonus points on certain purchases. While I'm familiar with your warnings about possible damage to credit from using over 30% of the available to credit, I assume that if I paid it off completely at least two times per month and never carried a balance, I would not get dinged for maxing the card out in order to maximize my points benefits. I was wrong. I now realize I was unwittingly paying a timing game with my credit. I now know that once a month, USAA reports my balance to the evil

• 29:59Speaker 03

  Credit bureaus. On that day, whatever the balance is, that is what gets reported. And you guessed it, on that day, my balance was the full $2,000. Ding. I was not able to get an answer from the, from USAA on what day they report my spending details to the bureaus. The lesson I've taken away from this is as follows. To be safe, I now assume that a credit limit of $2,000 is really only a credit limit of $600. Live and learn, right? By the way, I'm an attorney and it would not surprise me if in the not-too-distant future, we see a class-action lawsuit against the credit bureaus and credit card companies relating to these evil, unfair, and deceptive practices.

• 30:36Speaker 02

  By the way, you are the second person we've heard about this, and the other was not a USAA card that I can recall. So normally, what happens is if you get your balance paid in full before the closing date, that by tradition and normal is what balance is reported to the credit bureaus. Using a randomized date not around your closing date is, thank goodness, not the normal way it's done. And it is potentially harmful to a customer. I would express, USAA is supposed to be a member-focused organization.

• 31:20Speaker 02

  I would send a note to the, they disclose who all their officers are. I would send a note to the head of their banking operation, asking that they instead report closing balances instead of randomized dates, because it's like a gotcha. I mean, isn't what should really be going on is what risk you represent to that lender on the day that the balances are reported, based on the closing date of your statement? That's my opinion. And I just don't like it that there's too many gotchas, and this is obviously an example

• 32:01Speaker 02

  of one, that I can't think of any legitimate business reason or banking reason that USAA, and I'm sorry, I don't remember the other bank that we had this about, would be doing this to their customers. The theory is that you can charge to a card through a month. Pay before your closing date and that be the reported balance and would significantly and does significantly improve your credit score by paying before the closing date.

• 32:37Speaker 02

  This randomized kind of thing is obviously hurtful to people who do that and will in effect lower people's credit scores. Thank you for sharing that story with us and maybe we'll hear from somebody at USAA. And I want to thank you so much for joining us today. Know that there's something we do here that we've been doing for 33 years plus and that is provide one-on-one advice for free. If you have a question you need answered, if you go to Clark.com and you go Clark.com slash

• 33:21Speaker 02

  CAC, you'll see how the Team Clark Consumer Action Center is there and available to answer questions for you one-on-one. Again, this is a free service for these 33-plus years. And sometimes you've got something that you just don't know what to do and it's just part of the empowerment we offer as part of what we do in so many different ways with Team Clark to give you knowledge that gives you the power so you save more and spend less and don't let anyone ever rip you off.

• 33:59Speaker 02

  And we'll be back at your service on Wednesday.

• 34:07Speaker 01

  Life is all about making decisions. Sometimes you make questionable ones like buying a new TV that's too big for the wall because the electronics store employee was a little too good at their job. Then sometimes you make great ones like protecting your home and auto with Progressive. You get customized coverage options so you can be sure you have the right coverage. Get your quote today at progressive.com. Progressive Casualty Insurance Company affiliates and other insurers, not available in all states.

• 34:36Speaker 05

  Your sausage McMuffin with egg didn't change, your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5, only at McDonald's for a limited time.

• 34:49Speaker 02

  Price and participation may vary. Promotion pricing may be lower than meal pricing.