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hang up on   phone scams
Artificial Intelligence is fueling the rise of phone fraud, with one in four calls being reported as unknown and determined to be "junk" or spam calls, according to new research.

The increase in phone scamming activity means Americans now receive an average of 14 spam calls per month. Hiya, a voice security provider, recently released research on phone fraud and spam calls. Of the 98 billion calls observed worldwide, 25% were reported as spam, or fraud. Of the 2.13 billion calls received in the United States alone, 27% were reported as spam. However, on the upside, 26% determined the call to be "harmful" and only 1% to be fraudulent.

Top 5 Phone Scams of 2023-2024

Even with targeted advancements made by Operation Stop Spam Calls to prevent auto warranty, student loan, and mortgage refinance junk calls, it is possible that scammers targeting Americans have simply switched tactics to continue cheating consumers out of money. The Hiya report identified the following top phone scams of 2023, with many continuing well into 2024.

Even with the targeted progress Call Stop Spam has made in blocking unwanted calls related to auto loans, student loans and mortgages, it's possible that scammers targeting Americans have changed tactics to continue deceiving them. consumers. Hiya News identified these top phone scams in 2023, many of which will continue in 2024.

hang up the  phone

1- Loved One in Trouble: This scam has been made easier by advances in AI technology that allow fraudsters to impersonate a person's voice using video clips or audio recordings. Fraudsters then "spoil" or use the person's phone number to contact family and friends with urgent requests for money over their loved one's safety.

2 - Amazon Impersonators: This is one of the most popular types of scam calls identified in this article. The calls are targeting Amazon account holders who are making false claims about unauthorized purchases or the need to update related credit cards. Avoid giving these scammers your Amazon login or credit card information. Never be such a willing victim.

3 - Credit card company scams: This aggressive scam uses a number of tricks with the goal of collecting your credit card information. These include a quick click to renew a subscription, make it into your credit card fraud section, or pay for a package delivery. Do you really know who is asking for your sensitive information?

4 - False insurance policies on Medicare: Fraudsters may try to sell fake insurance policies by claiming outstanding premiums for auto insurance, life insurance, and health insurance. These scammers aim to collect sensitive information including bank account numbers, social security numbers, or credit card information. Never give any personal information to anyone over the phone!

5- Cryptocurrency Cheats: These cheats feed your desire to turn a quick profit by buying cryptocurrencies via text or phone. In 2022, Americans lost $1.4 billion to this type of scam, Hiya reported.

As in previous years, many of the latest scams in 2024 will likely involve twists on these time-tested scams. Scammers and fraudsters are expected to exploit new technology and emotions around major events yet to come in order to frighten and trick people. ALL Scammers will always have the same goal— to get your personal information or gain access to your money. Learning about these latest developments will hopefully keep you prepared by staying one step ahead of these polished thieves.

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A Warning About Squatters

How is Squatting Defined?
Squatting occurs when someone occupies your property without your permission. For landlords, this means that the tenant lives in your rental home without paying rent. In some instances, tenants will occupy your dwelling without your knowledge until it becomes too late to stop them. From this point onward, you will be dealing with squatters.

squatters warning

Under the legal doctrine of adverse possession, a trespasser can become the legal owner without paying. In some cases, legal title can be transferred after the person has occupied your property for a specific period of time, which is established under different state laws. Squatting is common in properties that have been left vacant for years, such as second homes, properties purchased by a foreign investor who has not seen the property in years, or property inherited by a disinterested person.

You will usually need to take specific legal steps to evict a lender from your rental property as soon as you discover their presence, but the process is not always easy or straightforward. If the squatter has occupied the premises beyond the expiration of the lease agreement, the landlord and tenant laws may not apply.

You might think that illegal residents are easy to deport because there is no contract, but this is not always true. Why do squatters have rights? The fact that the law supports the rights of squatters may seem unfair. In many cases, these types of provisions seek to improve the welfare of private property and the welfare of the public to ensure that the property is protected and used for beneficial purposes.

Squatters' rights are largely designed to protect squatters from illegal evictions. They also work to reduce waste by encouraging the owner to stay current on property taxes and use their property efficiently. In practice, the rights of squatters can also pave the way for the rights of a squatter when certain conditions are met for a long time. You can start evicting as soon as you realize that someone is taking your property without your permission. Although eviction laws vary depending on the landlord's laws, these are general steps to follow during a residential eviction.

Read the landlord and tenant laws in your state and jurisdiction. Because eviction law can be complicated, many landlords hire a real estate attorney who specializes in evictions. An attorney can guide you in the most effective way to evict a tenant without permission.

Residential evictions can easily cost thousands of dollars and take months from start to finish, depending on the state of your rental property. Offering a cash incentive for a key to evict an illegal resident can save you money in the long run. compared to expensive legal fees and court fees. If the person accepts your urge to leave, consider having your lawyer draft a legal document that can be used in court if the person does not honor the agreement.

Third parties, such as process servers, may be used to provide text information necessary for deployment. Landlord and Tenant laws usually give the tenant a few days to voluntarily leave after being served with the notice. If they don't, the next step is to file an eviction petition with the court. You will usually need to prepare and file the necessary pleadings, pay the filing fee, and provide the court with all the necessary evidence and documents. After that, a hearing date can be set for tenant eviction.

private property

On the day of the hearing, the court may ask for evidence of when the illegal occupant was first discovered on your property, and how long the squatter has occupied your property. You will need to provide proof that the squatter received proper eviction notice, and was lawfully served with other required court documents.

We hope the court will rule in your favor if the person has not occupied your property long enough to obtain legal title. If you win the eviction case, you will get a court order. Commonly called a writ of eviction, this court order gives you the legal right to evict an illegal resident. The document is sent to the sheriff, who will appoint an authorized person to accompany you to the house and carry out an eviction, if necessary.

If a business owner has confiscated abandoned property, some states require you to give him another notice stating that he will return his property. In most cases, the attorney representing you in the eviction process will include this request as part of the eviction process. When you take possession of your property, you can make any necessary repairs to get the property ready to rent to a new tenant or put it on the market for sale.

Do you have a squatter? As the saying goes, prevention is always better than a cure. To prevent squatting from happening, landlords can conduct regular inspections of the rental property, ensuring that vacant properties are secured, and physically inspect the property as part of the standard operating procedure that should always be in place when renting.

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Top 3 Scam Warnings for Seniors
Scams on the elderly have become so widespread that scams are now considered the "crime of the 21st century."

It is widely believed that old people have a lot of money in their accounts. Financial fraud is often not reported or it becomes difficult to prosecute, so these are considered "low risk" scam crimes. However, these criminal acts break the hearts of many seniors, and the heartless scammers often leave the scam victims in very vulnerable situations. In most instances, there is not enough time to recover their losses. It is not just wealthy seniors who are being targeted. Seniors can hardly be classified as being "wealthy" when their only income is a dwindling monthly social security allowance.

Low-income seniors are also at risk of financial scam exploitation, and these scams are not always committed by strangers. More than 90% of all reported scams and elder abuse are committed by the victim family, often their own grown children, followed by grandchildren, nieces, nephews and other supposed loved ones.

what follows here are the most common scams targeting our senior population as we begin 2024. Read on to see if these fraudsters have already targeted your elderly friends, neighbors, relatives and loved ones recently.

medical care

1. Health Care, Medicare, and Medicaid Fraud
Every US citizen, or permanent resident over the age of 65, is eligible for Medicare. It is rarely necessary for a scammer to research the types of private health insurance companies that seniors have, in order to get money from them.

In this newer version of the scam, fraudsters pose as a cheerful Medicare representative who will trick seniors into giving up personal information, or they will provide seniors with fake services at a working hospital.

Another variation of this scam is an unknown caller claiming to represent "Medicare Benefits" who wants to enroll the "eligible" in an enhanced medicare package of benefits. The Caller begins the call by asking, "Are you receiving parts A and B of your social security medicare benefits now?"

Before one answers that all important question, this will be followed up with a barrage of questions such as: "What is your social security number? Your mother's maiden name? How long have you been at your present address? What is your current address? By the time the Caller ends the call, the victim has told an identity thief all they need to know to make life a living Hell for years to come.

NEVER GIVE UP PERSONAL AND/OR FINANCIAL DETAILS TO ANYONE OVER THE PHONE! You do not really know who they are!

Take this advice one step further. Whether over the Phone, the Interrnet, your E-mail, or in a text message...KEEP PRIVATE DETAILS TO YOURSELF AND SHARE THEM WITH NO ONE!

2. Funeral Frauds & Cemetery Scams
The FBI is warning about two types of funeral and burial scams for the elderly. Some scammers will read read newspapers and call, or attend the funeral of a complete stranger, in order to take advantage of a grieving widow. Claiming that the deceased owed them an unpaid debt, the fraudsters will attempt to extort money from loved ones to pay off the false debt. Another bogus method of poorly serviced funeral homes is to make money because of the family ignorance of the cost of funeral services by adding unnecessary charges to the bill.

In a common scam of this type, some shady funeral directors will insist that the casket, which is often one of the most expensive items of the funeral service, is ever more important for cremation. During a specific circumstance, this can be done with a cardboard box instead of using an expensive burial display, or funeral casket. Many family members of the deceased will forego attending the cremation ceremony, never verifying the later billing details.

grandparents care

3. Internet Fraudsters
While internet literacy is an important skill at any age, the slow pace of learned World Wide Web knowledge among some adults makes them vulnerable to automated internet scams. These are often available on the Web and also appear in email programs.

Browser pop-ups that make antivirus scanning software will trick victims into downloading either fake (and expensive) antivirus programs or viruses that will open up all the information on the users computer to fraudsters. Lack of awareness of the invisible part of the Internet browser (firewalls and antivirus protection installed, for example) often makes the elderly vulnerable to such traps.

An example includes: eMail/phishing scams

A senior receives an email that appears to be from a legitimate company or organization, asking them to "update" or "verify" their personal information. A senior citizen receives an email that appears to be from the IRS regarding a tax return. Another unwanted solicitation will come from a request by your credit card issuer to confirm the three digit security code, and expiration date on your credit card. IMMEDIATELY DELETE this type eMail, and block the sender as SPAM. Hopefully, you will never hear from this SENDER again, but realistically, OTHER CRIMINALLY INTENTIONED SENDERS will surely follow.

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