The Bureau suggests that you do not give your credit cardnumber over the phone to an unknown company unless youinitiate the call. Be cautious if the caller says aninvestment, purchase or charitable donation must be made or ifthe caller offers free merchandise for prizes. You may end uppaying handling fees greater that the value of the gift. Askwho is in charge of the company or organization. Get specificnames and titles along with the address and telephone numberof the firm, be extremely cautious if the caller will notprovide this information.
It is illegal for a telemarketer to call you if you have askednot to be called, and for them to misrepresent any information;any facts about their goods or services; earnings potential,profitability, risk, or liquidity of an investment; or thenature of a prize in a prize-promotion scheme. Calling timesare restricted to the hours between 8am and 9pm. Telemarketersmust tell you it's a sales call, the name or the seller, andwhat they are selling before they make their pitch.If it's a prize promotion, they must tell you that nopurchase or payment is necesary to enter or win. Before youpay, telemarketers must tell you the total cost of the goodsand any restrictions on getting or using them; or that a saleis final or non-refundable. In a prize promotion, they musttell yo the odds of winning, that no purchase or payment isnecessary to win, and any restictions or conditions ofreceiving the prize. It's illegal for a telemarketer towithdraw money from your checking account without yourexpress, verifiable authorization. Telemarketers cannot lieto get you yo pay, no matter what the method of payment youuse. You do not have to pay for credit repair, recovery room,or advance-fee loan/credit services until these services havebeen delivered. It's illegal to help deceptive telemarketersif you know-or consciously avoid knowing-that they are breakingthe law. Your state law enforcement officers now have thepower to prosecute fraudulent telemarketers who operate acrossstate lines.