Also consider working with a U.S. Department of Housing and Urban Development–approved housing counselor. To find one, visit www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm or call 800-569-4287.
Fake check scams. The countless variations on this scheme usually involve someone offering to buy something you're selling, provide an advance on a contest you supposedly won or pay you to work at home. They'll send an authentic-–looking check for more than the correct amount and ask you to wire them the difference.
Meanwhile, the check you deposited is fraudulent. Even though your bank may initially clear it, you are responsible for making good on the money when the check ultimately bounces – you could even face legal charges. Bottom line: There's no legitimate reason for someone giving you money to ask for funds to be wired back. For tips on spotting and avoiding these and other check scams, visit the National Consumers League's fraud center at www.fraud.org.
It's a good idea to consult a financial professional about any decisions concerning your money. If you don't know one, www.plannersearch.org is a good place to start your search.
Bottom line, remember the old sayings: "There's no such thing as a free lunch," and "If it sounds too good to be true, it probably is."
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