Expensive Heloise: Debt assortment scams have turn into extremely popular with the scammers, however listed here are some issues to look out for:
• In case you are contacted by a “debt assortment company,” get the title of the individual calling, their cellphone 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 in your state.
• Don’t give in to threats of arrest or violence. They can’t name your employer, report you to immigration or take away your driver’s license. They can’t 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 cellphone.
• 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 test with an lawyer to ensure 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 extra 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 cross away, so reasonably than wait, I’ve began to offer them to my ladies at birthdays and Christmas. Now and again, they’ve expressed a need to have a sure piece, and I normally give it to them. This manner there can be much less to undergo once I’m gone and no preventing over who will get what. — Joan B., Rutland, Vt.
Expensive Heloise: What do you advocate for selfmade cures 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 bath with water and add a beneficiant quantity of baking soda. If the spot itches terribly, you can also make a paste of baking soda and water (or baking soda and witch hazel) and apply it to the world to assist reduce the irritation.
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