• 03
  • February
    2012

Some scam artists rip-off Arizonans by taking advantage of their generosity and using fake charities. Obviously, falling prey to a charity scam means you will lose the money you donate. Unfortunately, the dangers don't stop there. Donating to a fraudulent charity can compromise your personal information, leaving you vulnerable to identity theft, credit card fraud and unnecessary credit card debt.

Do your homework to avoid being taken advantage of by a charity scam. It may be tempting to donate in response to a natural disaster or other emergency need but resist the urge open your wallet right away. Taking the time to do some research can minimize your risk.

If you are solicited by a charity, investigate by contacting the organization to make sure they are aware of the solicitation. Legitimate organizations can offer written information about their mission, structure and how they use donations. In addition to protecting you from a scam, this information can help you find a charity that uses donations in a way you most support.

To protect yourself and your money, take these basic precautions when dealing with charities:

  • Be cautious if the charity seems to have sprung up overnight. Scammers often take advantage of the strong emotional responses people have to tragedy or other urgent demands.
  • Beware of email solicitations, which should be researched as thoroughly as any other.
  • Contact the charity's beneficiaries to ensure that donations are being passed on properly.
  • Do not be pressured by a telephone solicitation. Instruct telemarketers to contact you via mail so you can take time to do the necessary research.
  • Do not donate cash, which can be lost or stolen and doesn't leave a paper trail.
  • Keep records of all your donations; always get a receipt with the charity's name and the donation amount.

If you have fallen victim to a charity scam, your credit and security may be put in jeopardy. An experienced bankruptcy attorney may be able to help you restore your credit and protect your financial future.