Anti-Scam Tips

Anti-Scam Tips
by Takara Alexis

Newspaper obituaries notify a large number of people in a short period of time about the death of a community member. Unfortunately, they also provide a list of potential victims to scam artists and thieves seeking emotionally vulnerable and, during memorial services, physically absent targets.

In the pain and confusion following a spouse's death, you can't be expected to remember websites and phone numbers for organizations that help uncover the unscrupulous. A couple of simple guidelines, however, could help you avoid most of the typical scams.

The most immediate vulnerability will be an empty house. Through an obituary, a thief can ascertain when the family will be away, and with friends and relatives coming and going, neighbors may assume the person going in while the family is gone has permission to do so.

Treat anything from an unknown source with suspicion. Invoices, calls regarding orders for products or services, investment opportunities and claims for money owed might all be scams seeking to part distracted grieving survivors with their money. Pay those bills you know to be legitimate - mortgage, utilities, credit cards, car payments. Place everything else aside. And do not forget that companies that pressure you to make decisions or send cash during a difficult time probably do not have good reasons for doing so.

Consider a checks-and-balances path to decision making, especially with it comes to finances. Ask a family member, friend or trusted advisor such as an accountant, attorney or financial professional to take a look at invoices and other claims before you send money. You will still have power over your money, and you'll have a second opinion from someone you trust.

If you and your spouse did not have existing relationships with an attorney, accountant or financial advisor, do your homework before selecting someone during a time of crisis. Your best source will be referrals from friends, family members and associates. Interview at least two or three before deciding on a professional.

Many experts who work with widows and widowers recommend waiting at least a year to make major, irrevocable decisions such as selling or purchasing a house. Avoid anyone pressuring you to make such a decision within months of your spouse's death.