Protect Yourself from Malware

Computer fraud and malware can only make debt situations worse.
Know what is out there in the world of malware to avoid unpleasant encounters with computer viruses, spyware and the likes.
Make sure that you're using regularly updated antivirus software. Never share your passwords and other crucial information that could be used to access your computer systems.

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If you'd like to get a free consultation, please contact our bankruptcy lawyers .

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Avoiding Debt Relief Scams

Protect yourself from rampant debt relief scams by catching on early warning signs such as robocalls, bogus debt counselors and unrealistic promises of recovery.
It is essential that you consult a reputable credit counseling agency or bankruptcy attorney to avoid falling prey to such scams.

Our San Antonio Bankruptcy Attorney has created the below infographic to help you. Please download this image on your desktops, ipads, tablets, laptops, chromebooks and smartphones.

If you'd like to get a free consultation, please contact our bankruptcy lawyers .

For helping you get a better understanding of Bankruptcy, we have setup a Bankruptcy Information Center at our website.

How to get a Free Credit Report

Its important to know how to check your credit . A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy. You are entitled to a free credit report every year.

Only one website, http://www.annualcreditreport.com,  is authorized to fill orders for the free annual credit report you are entitled to under law. Other websites that claim to offer free credit reports, are not endorsed by the US Govt. and "may" even be scams.

Our San Antonio Bankruptcy Attorney has created the below infographic to help you understand "How to get a Free Credit Report". If you'd like to get a free consultation, please contact us .

For helping you get a better understanding of Bankruptcy, we have setup a Bankruptcy Information Center at our website.

Payday Loans

A payday loan is a small, short-term unsecured loan, marketed as a quick, easy way to tide borrowers over until the next payday.

Here’s how they work: A borrower writes a personal check payable to the lender for the amount the person wants to borrow, plus the fee they must pay for borrowing. The company gives the borrower the amount of the check less the fee, and agrees to hold the check until the loan is due, usually the borrower’s next payday. Or, with the borrower’s permission, the company deposits the amount borrowed — less the fee — into the borrower’s checking account electronically. The loan amount is due to be debited the next payday. The fees on these loans can be a percentage of the face value of the check — or they can be based on increments of money borrowed: say, a fee for every $50 or $100 borrowed. The borrower is charged new fees each time the same loan is extended or “rolled over.”

The FTC, the United States Consumer Protection Agency, says that regardless of their name, these small, short-term, high-rate loans by check cashers, finance companies and others all come at a very high price. It has been found that Loan terms that require full payment in as little time as a fortnight alongwith an average annual interest of upto 400%, are responsible for driving a huge percentage of borrowers into a huge debt.


source: http://www.consumer.ftc.gov/media/video-0078-payday-lending

For helping you get a better understanding of Bankruptcy, have setup a Bankruptcy Information Center at our website with information written and curated by our San Antonio Bankruptcy Attorney

Phishing Scams

A recent form of cyber crime is Phishing. This is the act of sending an e-mail to a user falsely claiming to be a legitimate enterprise in an attempt to scam the user into disclosing private information. These e-mails often ask for information such as credit card numbers, bank account information, social insurance numbers, and passwords that can be used for identity theft.

video source: http://www.consumerfed.org/issues/consumer-protection-and-privacy/fraud/665/#phishing
For helping you get a better understanding of Bankruptcy, have setup a Bankruptcy Information Center at our website with information written and curated by our San Antonio Bankruptcy Attorney

Beware of Free Trials

Free Trial Offers tells how to check out a free trial before you sign up, and what to do if you find yourself enrolled in a free trial offer without having given your permission: in short, getting charged for merchandise you don't want and didn't order.

Some companies use free trials to sign you up for more products — sometimes lots of products — which can cost you lots of money as they bill you every month until you cancel.



video source: http://www.consumer.ftc.gov/articles/0101-free-trial-offers

For helping you get a better understanding of Bankruptcy, have setup a Bankruptcy Information Center at our website with information written and curated by our San Antonio Bankruptcy Attorney

Identify Theft

Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person's personal data in some way that involves fraud or deception, typically for economic gain.

Identity theft affects millions of people each year. It's an unfortunate fact of modern life. But there are certain steps you can take to help keep your personal information from falling into the wrong hands.



video source: http://www.consumer.ftc.gov/media/video-0023-what-identity-theft

For helping you get a better understanding of Bankruptcy, have setup a Bankruptcy Information Center at our website with information written and curated by our San Antonio Bankruptcy Attorney

Money Wiring Scams

In today's world, many people wire money to family or friends in other cities or countries on a regular basis. However, many dishonest people have been found to be stealing money off hard working ,honest individuals and families by luring them to wire money to them. Remember, wiring money is like sending cash. When you wire money, you cannot get the money back. How to protect yourself from these scams: You should never wire money to someone you do not know. The attached video shows some common money wiring scams, and what happens to some people who meet the scams.

source: http://www.consumer.ftc.gov/media/video-0079-money-wiring-scams
For helping you get a better understanding of Bankruptcy, have setup a Bankruptcy Information Center at our website with information written and curated by our San Antonio Bankruptcy Attorney

Protect Your Computer from Malware

Malware is the no.1 cause of internet frauds and scams and directly affects the finances of tons of families.

Would it surprise you to learn that millions of computers in the US are infected with malware? And that could also be one of yours.

Malware, short for malicious software, includes viruses and spyware that get installed on your computer or mobile device without you knowing it. Criminals use malware to steal personal information and commit fraud. For example, they may use malware to steal the login information for your online accounts or to hijack your computer and use it to send spam. An infected computer can lead to serious problems, like identity theft.

Look at the video below to learn more about how to avoid, detect, and get rid of malware. Avoiding and getting rid of malware is a big step towards taking care of your finances.

Source: http://www.onguardonline.gov/media/video-0056-protect-your-computer-malware