Consumer Advocate 

When dealing with a debt collector, it is important to understand your rights and to distinguish between a legitimate debt collector, a debt collector who fails to comply with the law, and a likely scam artist. 

Imagine selling an item online and then receiving a check for more than the agreed price. 

Are you looking for ways to earn money for college? 

Whether you’re shopping online, connecting through social media, or checking web-based email accounts, take steps to protect your personal information from hackers and malicious software, also known as malware. 

Today, passwords are needed for everything from email to bank accounts. 

In recognition of Military Consumer Protection Day (July 15), the Ohio Attorney General’s Office is providing information about consumer rights and scams targeting service members and their families. 

Participating in 5K, 10K, half-marathon, and marathon races is often a great way to raise money for charities you’re passionate about, while also accomplishing fitness goals. 

Ohio Attorney General Mike DeWine and 30 other state attorneys general recently announced a major settlement with the three main credit reporting agencies — Equifax Information Services LLC, Experian Information Solutions Inc., and TransUnion LLC. 

Reports to the Ohio Attorney General’s Office suggest that many Ohioans have been targeted by the “computer repair” scam in recent months. 

Before signing a contract or providing payment, do some homework on the products and services you are planning to buy. 

While many timeshare owners enjoy their properties, others cannot wait to get out from under the commitments, which can include monthly mortgage payments, maintenance fees, and property taxes. 

As sure as we will experience severe storms this spring and summer, home repair contractors who have less-than-good intentions are bound to come knocking on our doors. 

Imagine filing your taxes only to learn that someone stole your identity, filed your tax return, and received a refund in your name. Unfortunately, this scenario may be a reality for many consumers this tax season.

While warranties and service contracts may seem to be similar agreements, they have important differences. If you are buying a vehicle or making another high-ticket purchase, make sure you understand what you can expect from each. 

Swiping credit cards may soon be something of the past as the retail industry moves toward advance security protections that are already commonplace in Europe. The old swiping action — which allows the magnetic strip on credit cards to be decoded by electronic card readers — will eventually be replaced by a computer chip embedded in every new credit card. 

In recognition of National Consumer Protection Week (March 1-7), Ohio Attorney General Mike DeWine’s office has coordinated a wide range of activities to warn consumers about unfair business practices and scams and to help them understand their consumer rights. 

Despite the many benefits of the Internet, such as shopping online and researching a business, there also are some pitfalls — among them, scam websites and email messages. 

Every January, many consumers enroll in gym memberships that will help fulfill their New Year’s resolution for a healthier lifestyle. In Ohio, gym memberships are generally considered “prepaid entertainment contracts,” similar to contracts for dance or karate lessons or dating websites.   These types of contracts provide consumers with certain rights such as the ability to cancel the agreements under certain circumstances. 

Subscription-based satellite radio service Sirius XM has agreed to significantly change its business practices, pay $3.8 million to the states, and provide payments to eligible consumers in 45 states and the District of Columbia, based on a recent agreement led by Ohio Attorney General Mike DeWine. 

Now that the holiday season is over, many consumers are likely excited to redeem their gift cards. But before making any purchasing decisions, consumers should know their gift card rights and beware of common gift card scams. 

May companies offer layaway plans to help with the cost of the holiday season. This allows consumers to make installment payments on reserved items. Once the item is paid for in full, the consumer can pick it up. Before signing up for a layaway plan, consumers should understand all the terms and conditions.  

The business that owns ScoreSense has agreed to change its business practices and pay $22 million to resolve claims that it deceptively marketed its online credit monitoring services, according to an agreement recently announced by Ohio Attorney General Mike DeWine, the Federal Trade Commission, and Illinois Attorney General Lisa Madigan. 

Every year it seems more consumers are shopping for the holidays online for all different types of products and services. In fact, for many Ohioans, shopping online has become second nature. Consumers use apps on their smart phones, have their favorite online stores bookmarked, and compare prices online with those offered by traditional “brick and mortar” stores. 

Have you ever considered paying a professional to hang your outdoor holiday lights? While relying on a pro may add a special sparkle to your home’s holiday décor, be sure to do your homework before allowing an expert to do any work on your property. 

The next time you check your email inbox, look carefully — it might contain a targeted message that a con artist designed just for you. 

Planning to make changes to your health insurance? Make sure you don’t stumble into a scam.

Ohio Attorney General Mike DeWine, along with other state attorneys general and federal agencies, recently announced a national settlement with AT&T Mobility LLC to resolve allegations that it placed unauthorized third-party charges on consumers’ cell phone bills in a practice known as “mobile cramming.”

While many scams begin with a phone call or door-to-door visit, others attract potential victims through postings on popular social media websites and apps.