Category: Resources for Granges and Grangers

With rising costs and economic uncertainty, many of us are looking to start the new year by taking more control of our finances and tackling lingering debt. But paying down what you owe takes time, discipline, and a clear plan—not quick fixes. Be cautious of offers that promise guaranteed results or fast debt elimination.

Scammers often target consumers with significant credit card debt, claiming they can negotiate with creditors to reduce what you owe. hThese operations typically charge hefty fees and deliver little—or no—help. Some even advise you to stop communicating with your creditors, which can make your situation worse.

If you or a loved one need help getting out of debt, turn to reputable organizations like the nonprofit National Foundation for Credit Counseling (www.nfcc.org). They can offer real guidance without hidden fees or false guarantees.

Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

If your New Year’s resolutions include finding a new job, work-from-home opportunities may sound appealing. While many remote positions are legitimate, some aren’t what they appear to be. Criminals often pose as legitimate employers on job boards, social media, or send unsolicited texts, promising easy money, flexible hours, and a quick hiring process.

What they’re really after is  personal information or our  money by asking  to pay upfront for “training,” purchase expensive equipment, or provide sensitive details—such as your Social Security number—as part of the application.

Be cautious of sudden, unusually high-paying opportunities that require little to no experience. Avoid sharing personal data until you’re certain the job offer is legitimate and take time to research the company by searching its name along with the words scam, complaint, or fraud. If you see concerns from other job seekers, consider it a clear red flag.

Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

As the year winds down and the season of giving sets in, many people look to support causes they care about—but telling a legitimate charity from a fake one can be tough. While reputable organizations make their year-end push for donations, criminals also take advantage of this opportunity to line their own pockets.

Common signs of a charity scam include requests for payment via gift cards, wire transfers, or cryptocurrency, as well as high-pressure demands to donate immediately. Legitimate charities may also encourage timely giving, but they will welcome your support at any time.

To help ensure your donation reaches those who truly need it, do your research. Check organizations on sites such as give.org, CharityNavigator.org or CharityWatch.org to confirm legitimacy and find out how much of the funds are used to serve its stated mission versus overhead and fundraising.

Pay close attention to the charity’s name and web address, as criminals often mimic the names of familiar, trusted organizations to deceive donors. Also, be cautious of links in unsolicited emails, texts, or social media messages, which can lead to fake donation websites and expose your device to malware.

When you do donate, use a credit card. It’s easier to track your contribution, and if your card is misused, you have protection against loss. To avoid feeling pressured by unexpected solicitations, consider having a set list of charities you support. That way, you can give confidently and on your own terms.

Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

With the holiday travel season fast approaching, scammers are poised to capitalize on travelers needing help with last-minute flight changes and cancellations. Don’t let  fake customer service  derail your trip – or drain your wallet. Here’s a few things you should know to stay ahead of airline call center scams.

Just because an airline customer service helpline number appears at the top of internet search results doesn’t mean it’s legitimate. Fraudulent numbers often surface in search results, and scammers constantly find new ways to make their numbers appear first. To avoid this risk, download your airline’s official app. In addition to providing the airline’s verified 800 number, the app delivers real-time flight notifications and other important updates.

Be on the lookout for red flags, such as aggressive tactics pushing you to buy a ticket immediately because “the price will go up.” And if your flight is canceled, you usually do not need to pay to be rebooked. Any “agent” requesting a credit card to do so is likely after your money, not your flight.

Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

With holiday shopping—and shipping—comes the risk of package theft. Thieves — often called “Porch Pirates” — steal millions of packages from American doorsteps each year, totaling billions of dollars in merchandise. You can help protect your deliveries with a few simple steps.

Opt into delivery alerts, allowing you to track your package and know exactly when items arrive. If you won’t be home, ask a trusted person to pick it up, or instruct the delivery person to place it out of sight.

Consider requesting a signature upon delivery to ensure your package is handed to someone directly. You can also use alternative pickup options, such as ship-to-store or secure locations offered by major retailers and delivery services.

If you’re going out of town, ask USPS, FedEx, or UPS to hold your mail and packages until you return. USPS can hold mail for up to 30 days, and FedEx and UPS offer similar vacation hold options.

Stay informed and work with your neighbors. Agree to watch out for each other’s deliveries and offer to take in mail when needed. Community resources like Nextdoor.com, Crime Stoppers, and social media updates from local law enforcement can also alert you to porch piracy in your area.

Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.