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Scam Alert

WARNING-SOLAR ENERGY INSTALLATIONS CAN ‘BURN’ YOU!   THE PROBLEM: You “went solar” or got a new water heater or put in artificial turf or installed new energy efficient windows but now you have a much bigger property tax bill. HERE’S WHAT CAN HAPPEN: You receive a visit from someone who offers to help you lower your energy or water bills.  You may be told it will also help the environment.  You are told that it is a “government–sponsored program”.  That person implies it is free, especially for seniors. You had that energy upgrade installed but the product was substandard, the installation was sloppy, they damaged your property during the installation. You get behind on your property bill and may be at risk of foreclosure! WHAT TO DO:  Take your time before you sign! MAKE SURE YOU ASK FOR A PRINTED COPY OF ALL DOCUMENTS TO READ BEFORE YOU ALLOW ANYONE TO WORK ON YOUR HOME. Elder Law & Advocacy will review any documents with you for free, before you...

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Scam Alert

Alertas De Estafa/Fraude Para Adultos ¡Cuidado- Instalaciones De Energía Solar Pueden Ponerlo En Riesgo! El Problema: Usted decidió instalar tecnología de energía solar o obtuvo un nuevo calentador de agua o instalo pasto sintético o ventanas de energía eficiente pero ahora tiene una cuenta de impuestos propietarios. Esto Es Lo Que Puede Pasar: Usted recibe una visita de alguien que le ofrece ayuda para reducir sus cuentas de energía o agua. Le pueden decir que ayudaría al medio ambiente. Le dicen que es un “programa patrocinado por el gobierno”. El individuo ofreciéndole estos servicios insiste en que es totalmente gratis, especialmente para adultos mayores. Usted obtuvo la mejora energética pero el producto fue deficiente, la instalación fue mala, y le dañaron su propiedad durante la instalación. ¡Usted se atrasa en sus cuentas propietarias y está en riesgo de juicio hipotecario! Que Hacer: ¡Tome su tiempo antes de firmar! ASEGURESE DE PEDIR UNA COPIA POR ESCRITO DE TODOS LOS DOCUMENTOS PARA LEERLOS ANTES DE AUTORIZAR CUALQUIER TRABAJO  EN SU PROPIEDAD....

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Alertad De Estafa/Fraude Para Adultos

Tarjetas De Crédito Para Usos Médicos- Utilícelas Con Cuidado Ayuda! Mi dentista dice que necesito trabajo dental valorado en miles de dólares y el trabajo no es cubierto por mi aseguranza! Cuando gastos inesperados ocurren y el/la paciente simplemente no tiene el dinero suficiente para pagar por ellos, un proveedor de cuidado de salud le pudiera sugerir una tarjeta de crédito especial para ese tipo de gastos. Un consumidor angustiado pudiera considerar este tipo de opción a crédito, cual es ofrecida a los pacientes en la oficina del proveedor. Estas tarjetas de crédito médicas cubrirán parte del gasto, pero no vienen sin ningún riesgo. Estas tarjetas ofrecen no tener intereses por el término inicial. Al finalizar el término inicial, el usuario de la tarjeta debió de haber pagado el balance en completo. Si el prestatario no ha pagado el balance completo al acabarse el termino inicial, todo el interés junto con la deuda restante se convierten a deuda y estas tarjetas especiales incluyen un interés muy alto de alrededor...

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Scam Alert

HEALTH-CARE CREDIT CARDS-USE WITH CAUTION Help!  My dentist says I need thousands of dollars’ worth of dental work and it’s not covered by my insurance! When unexpected expenses come up and a patient just doesn’t have the money to pay for it, a healthcare provider may suggest a special credit card for these expenses.  A distressed consumer may turn to this type of credit option, which is offered to a patient at the provider’s office.  These health-care credit cards will cover part or all of the expense, but they are not without risk. These cards can offer “no interest” for the initial term.  At the end of the initial term, the card user must have paid the balance off in full.  If the borrower has not paid the entire balance off in full by the end of that initial term, all of the interest along with the unpaid balance becomes due and these special cards can have a very high interest rate-a rate of 26.99% has been reported by...

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Don’t Become A Victim of A Solar Panel Installation Scam

So How Did You End Up With a Huge Property Tax Bill After You “Went Solar”? The Problem:  You are surprised with an incredibly high property tax bill which will continue for the next 20 years. How did it happen? You decided to save on your electric bill and help the environment at the same time.  You received a visit from someone who offered to help you lower your electric bill through a free government sponsored program, the PACE (Property Assessed Clean Energy) program.  Or you were told the project would cost you some up-front costs, but you would actually make so much electricity, you could sell it back to the utility-you would make money! Who would turn down such a great offer?  Not many folks would.  But here’s the catch-the program may have some government aspects, but it isn’t free. There are other problems as well.  A senior may end up with poor workmanship on the installation or they may have been pressured into more costly upgrades: a...

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