March 10, 2026

Do I Really Need This?

Do I Really Need This?

Tune in as we talk with our guest, Martin, about his experience when his parents purchased a home security system.

"Do I really need this?" might have saved them some aggravation and money.

Let’s Talk About Scams is broadcast live Tuesdays at 8AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Let’s Talk About Scams TV Show is viewed on Talk 4 TV (www.talk4tv.com).

Let’s Talk About Scams Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Disclaimer: The information contained in this podcast is intended for informational purposes only and is not a substitute for individual professional / legal advice. The podcast information was carefully compiled from vetted sources and references; however, R.O.S.E. Resources / Outreach to Safeguard the Elderly cannot guarantee that you will not fall victim to a scam.

Become a supporter of this podcast: https://www.spreaker.com/podcast/let-s-talk-about-scams--6483699/support.

WEBVTT

1
00:00:01.080 --> 00:00:04.679
This program is designed to provide general information with regards

2
00:00:04.679 --> 00:00:07.679
to the subject matters covered. This information is given with

3
00:00:07.719 --> 00:00:12.080
the understanding that neither the hosts, guests, sponsors, or station

4
00:00:12.320 --> 00:00:17.519
are engaged in rendering any specific and personal medical, financial,

5
00:00:17.839 --> 00:00:22.800
legal counseling, professional service, or any advice. You should seek

6
00:00:22.839 --> 00:00:26.920
the services of competent professionals before applying or trying any

7
00:00:27.039 --> 00:00:32.840
suggested ideas. The information contained in this podcast is intended

8
00:00:32.840 --> 00:00:36.079
for informational purposes only and is not a substitute for

9
00:00:36.119 --> 00:00:40.479
individual professional legal advice. The podcast information was carefully compiled

10
00:00:40.479 --> 00:00:44.640
from debted sources and references. However, Rose Resources outreach to

11
00:00:44.719 --> 00:00:47.679
safeguard the elderly cannot guarantee that you will not fall

12
00:00:47.759 --> 00:00:49.560
victim to a scam.

13
00:00:50.399 --> 00:00:54.240
Let's talk about scams. It's the must listen show for

14
00:00:54.600 --> 00:00:57.719
anyone who wants to protect themselves and their loved ones

15
00:00:57.759 --> 00:01:02.240
from scams. Every Tuesday am Pacific time on K four

16
00:01:02.399 --> 00:01:06.879
HD Radio, Joyce Petrowski, founder of Rose, and her guests

17
00:01:07.239 --> 00:01:11.359
will provide valuable insights and practical tips on how to

18
00:01:11.439 --> 00:01:16.439
recognize and protect yourself from scams. And now here is

19
00:01:16.480 --> 00:01:18.680
your host, Joyce Petrowski.

20
00:01:20.439 --> 00:01:23.719
Hi, everyone, welcome back to let's talk about scams. I'm

21
00:01:23.799 --> 00:01:27.599
Joyce Petrowski, founder and board president of Rose Resources Outreach

22
00:01:28.040 --> 00:01:31.319
to safeguard the elderly. I trust Brian took very good

23
00:01:31.359 --> 00:01:33.079
care of you guys last week.

24
00:01:33.200 --> 00:01:33.680
And.

25
00:01:36.200 --> 00:01:40.400
I'm back today with a cold, So hopefully I won't

26
00:01:40.439 --> 00:01:46.560
be sneezing or coughing too much during this episode. But

27
00:01:47.040 --> 00:01:50.359
I know we this episode was gonna it was titled

28
00:01:50.400 --> 00:01:53.000
do I Really Need This? And I was going to

29
00:01:53.079 --> 00:01:58.359
have a guest Martin, and due to some timing issues,

30
00:01:58.400 --> 00:02:00.159
that just didn't work out. But I'm still gonna to

31
00:02:00.200 --> 00:02:04.079
talk about his situation with with the scam that he

32
00:02:04.239 --> 00:02:09.319
encountered with his parents. But before I do that, yesterday

33
00:02:09.360 --> 00:02:12.960
I was made aware of a new scam that's going around,

34
00:02:13.560 --> 00:02:15.199
and so I just wanted to give you a little

35
00:02:15.199 --> 00:02:21.520
bit of information on that. So this one happens to

36
00:02:21.639 --> 00:02:27.639
be specifically targeting retired people because it's the scammers using

37
00:02:27.719 --> 00:02:32.919
the Sole Security Administration name to trick people with the email.

38
00:02:33.240 --> 00:02:37.520
So the email looks like it's coming from the official

39
00:02:37.560 --> 00:02:42.280
government notifications using Solid Security Administration. But if you hover

40
00:02:42.520 --> 00:02:49.120
your mouse over the name, you can see the actual

41
00:02:49.120 --> 00:02:54.159
email address and you'll see that the email address. The domain,

42
00:02:54.439 --> 00:02:58.039
which is everything after the ad sign does not end

43
00:02:58.080 --> 00:02:59.319
in dot g o V.

44
00:03:01.159 --> 00:03:04.960
Excuse me, it's uh, I'm.

45
00:03:04.840 --> 00:03:06.840
Not exactly sure what it ends in. It could be

46
00:03:06.960 --> 00:03:12.120
dot excuse me, dot com, dot net. You know, there's

47
00:03:12.199 --> 00:03:14.800
there's a bunch of different ones out there, but all

48
00:03:14.840 --> 00:03:19.879
government organizations their domains and in like the Sole Security

49
00:03:19.919 --> 00:03:24.439
Office is s S a Solid Security Administration dot gov,

50
00:03:24.919 --> 00:03:27.280
the I r S is i r S dot gov.

51
00:03:27.680 --> 00:03:30.879
Medicare is medicare dot gov, so it all ends in

52
00:03:31.000 --> 00:03:31.639
dot gov.

53
00:03:31.680 --> 00:03:35.919
That's g o V. So when you hover your cursor.

54
00:03:35.639 --> 00:03:38.080
Over the name, you're going to see that this email

55
00:03:38.120 --> 00:03:43.159
address is not coming from a dot gov email address,

56
00:03:43.840 --> 00:03:46.960
which would be the first clue. But if you know,

57
00:03:47.000 --> 00:03:51.120
if someone doesn't think to look at the actual email address,

58
00:03:51.479 --> 00:03:56.719
they actually get into the email itself. The scammers or

59
00:03:56.759 --> 00:04:00.520
you're using the urgent message again to grab your attention

60
00:04:00.639 --> 00:04:03.159
and to get you to act quickly. So they're like

61
00:04:03.319 --> 00:04:11.000
important disclosures or important regulatory information, and so the emails

62
00:04:11.080 --> 00:04:13.319
usually include a link or a file that looks like

63
00:04:13.400 --> 00:04:16.399
a standard PDF statement.

64
00:04:16.600 --> 00:04:17.439
It might have a.

65
00:04:17.480 --> 00:04:23.720
Name like Social Underscore Security Underscore Statements Underscore twenty twenty five,

66
00:04:23.920 --> 00:04:28.040
dot pdf. Now looking at that, you might look at

67
00:04:28.040 --> 00:04:30.439
it and go, okay, well that's my soile security statement.

68
00:04:32.319 --> 00:04:36.120
But it's not a normal document. So if you've ever

69
00:04:36.560 --> 00:04:44.120
had your trusted tech support person do any work on

70
00:04:44.199 --> 00:04:48.040
your system remotely, there's a good chance that they use

71
00:04:48.399 --> 00:04:55.480
a tool called RMM Remote Monitoring and Management. It's an

72
00:04:55.480 --> 00:04:59.240
actual legitimate tool and a lot of the IT experts,

73
00:04:59.319 --> 00:05:02.079
the tech support people use it to fix computers from

74
00:05:02.120 --> 00:05:06.279
a distance remotely instead of having to physically be there

75
00:05:06.399 --> 00:05:10.279
with you and your device. But scammers have turned that

76
00:05:10.519 --> 00:05:16.480
legitimate tool to their advantage and are using it as

77
00:05:16.519 --> 00:05:19.720
a weapon against you. So if the if whoever's looking

78
00:05:19.720 --> 00:05:22.680
at that email clicks on that link to view the document,

79
00:05:23.240 --> 00:05:27.600
it can install a trojan or a virus.

80
00:05:27.240 --> 00:05:28.800
Malware on your.

81
00:05:30.240 --> 00:05:35.120
Device and which allows the scammer to take full control

82
00:05:35.319 --> 00:05:38.519
of your device. And once they have that access, they

83
00:05:38.560 --> 00:05:41.879
can watch what you're doing and steal private data. If

84
00:05:41.879 --> 00:05:46.079
you're logging into your bank account, whatever you're doing, that

85
00:05:46.160 --> 00:05:48.480
they can see it, and then they're going to have

86
00:05:48.720 --> 00:05:53.600
all your logins. They can also say that there's a

87
00:05:53.639 --> 00:05:57.879
new document ready to review for a short time. Again,

88
00:05:58.560 --> 00:06:01.839
that's that urgency. If you don't do it now. You

89
00:06:01.920 --> 00:06:06.519
might not be able to see that document after a

90
00:06:06.959 --> 00:06:09.639
short time, and they might have a button called view

91
00:06:09.680 --> 00:06:12.480
document that they want you to click on, and it.

92
00:06:12.480 --> 00:06:13.519
Would do the same thing.

93
00:06:13.720 --> 00:06:17.720
It would take It would allow the scammer to take

94
00:06:17.800 --> 00:06:20.839
over your device, and that device could be your mobile

95
00:06:20.879 --> 00:06:24.240
phone because it is a mobile computer if you're doing

96
00:06:24.399 --> 00:06:27.680
if you're looking at this email on your mobile phone.

97
00:06:27.879 --> 00:06:31.959
So just just be careful out there, you know, just

98
00:06:32.000 --> 00:06:35.480
because it says it's coming from the Sold Security Administration,

99
00:06:36.079 --> 00:06:38.879
just hover over that that name and look at what

100
00:06:38.920 --> 00:06:41.439
the actual email address is. And just know that the

101
00:06:41.480 --> 00:06:46.399
Soil Security domain is s s A dot gov and

102
00:06:46.480 --> 00:06:48.639
you always want to look for that dot gov at

103
00:06:48.639 --> 00:06:52.079
the end of the domain in the email address. If

104
00:06:52.079 --> 00:06:54.120
I get any more information on this, I'll let you

105
00:06:54.199 --> 00:06:57.160
guys know over the next couple weeks. But just always

106
00:06:57.199 --> 00:07:00.240
go to your the verified source. So you're going to

107
00:07:00.279 --> 00:07:03.000
want to go to your social security account through the

108
00:07:03.120 --> 00:07:06.600
legitimate Social Security website and you can find all of

109
00:07:06.639 --> 00:07:12.160
your information there. So to get on with what today's about,

110
00:07:12.759 --> 00:07:14.560
the title was do I really need this?

111
00:07:15.279 --> 00:07:16.800
And this situation?

112
00:07:18.399 --> 00:07:21.319
A supporter Martin had given us this information that had

113
00:07:21.360 --> 00:07:26.560
happened a number of years ago to his parents. They

114
00:07:26.600 --> 00:07:29.639
were when this happened, they were probably in their mid

115
00:07:29.680 --> 00:07:33.720
to late seventies, and somebody was, you know, trying to

116
00:07:33.759 --> 00:07:38.319
sell them a home security system. And it very well

117
00:07:38.319 --> 00:07:42.839
could have been a legitimate home security system company. They

118
00:07:42.839 --> 00:07:48.240
were just you know, possibly using some aggressive sales tactics,

119
00:07:48.360 --> 00:07:52.519
and just I want to preface this conversation with whatever

120
00:07:52.920 --> 00:07:57.319
company it is selling whatever product or service. There's a

121
00:07:57.360 --> 00:07:59.360
lot of legitimate companies out there.

122
00:07:59.439 --> 00:08:00.879
And I'm not saying.

123
00:08:00.759 --> 00:08:04.879
Because of this situation or because of another situation you

124
00:08:04.959 --> 00:08:07.759
might have heard about, that all of these companies are

125
00:08:08.360 --> 00:08:15.560
not good. This is where doing your research will will

126
00:08:15.600 --> 00:08:21.680
really help you. So to get back to this situation.

127
00:08:22.839 --> 00:08:27.079
In addition to the hardware and the installation, it also

128
00:08:27.160 --> 00:08:30.879
had a monitoring contract with a monthly subscription fee, which

129
00:08:30.920 --> 00:08:33.480
is normal. I mean, you have a security system, but

130
00:08:34.240 --> 00:08:36.720
you want to have it monitored so if something were

131
00:08:36.759 --> 00:08:39.559
to happen, you know, the emergency people would be.

132
00:08:39.519 --> 00:08:41.720
Notified right away.

133
00:08:43.919 --> 00:08:48.080
But apparently once the system was installed, it never really

134
00:08:48.120 --> 00:08:53.360
worked properly and the company was never able to make

135
00:08:53.399 --> 00:08:57.200
the system work. Now, maybe they had come out a

136
00:08:57.200 --> 00:09:00.679
few times to try to get it to work. Maybe

137
00:09:00.679 --> 00:09:03.159
it was just once, or you know, maybe they for

138
00:09:03.240 --> 00:09:04.519
whatever reason, never came out.

139
00:09:04.559 --> 00:09:06.279
I don't know that part of the story.

140
00:09:08.159 --> 00:09:15.440
But after you know, a number of months, and you know,

141
00:09:15.480 --> 00:09:18.519
it could be could have been you know, a year,

142
00:09:18.600 --> 00:09:23.120
two years, three years of paying this monthly subscription and

143
00:09:23.159 --> 00:09:25.840
then they had already paid, you know, for the hardware

144
00:09:25.840 --> 00:09:29.039
and the installation, but they had that ongoing monthly subscription

145
00:09:29.720 --> 00:09:35.679
fee that was continuing to be paid. They finally Martin

146
00:09:35.840 --> 00:09:38.200
just suggested them, you know what, why don't you just

147
00:09:38.320 --> 00:09:42.000
stop paying the subscription fee. This thing doesn't work. We

148
00:09:42.039 --> 00:09:45.919
can't get anybody out here to help us with it.

149
00:09:47.200 --> 00:09:50.120
And so they stopped paying it and no one ever

150
00:09:50.320 --> 00:09:54.879
came back after them for any back charges. Which is

151
00:09:54.919 --> 00:09:58.360
a risk you take right if you've if you've committed

152
00:09:58.440 --> 00:10:01.399
to this contract of paying this monthly subscription fee for

153
00:10:01.480 --> 00:10:04.600
what it is, for whatever product or service it is,

154
00:10:04.919 --> 00:10:06.799
and then you all of a sudden stop paying it,

155
00:10:07.200 --> 00:10:10.480
well you run the risk of am I going to

156
00:10:10.559 --> 00:10:13.360
have to then? Are they going to come after me?

157
00:10:13.720 --> 00:10:16.000
Are they going to send me to collections? Am I

158
00:10:16.039 --> 00:10:18.120
going to have to go through some legal battle with him?

159
00:10:18.519 --> 00:10:21.840
That's a risk you take this is just in this instance,

160
00:10:22.320 --> 00:10:27.639
the company never came back after his parents. The company

161
00:10:27.679 --> 00:10:32.759
had probably folded, or maybe it just wasn't a legitimate

162
00:10:32.759 --> 00:10:35.799
company to begin with. We don't know the exact answer

163
00:10:35.840 --> 00:10:40.759
to that question. But unfortunately, by the time they stopped

164
00:10:40.759 --> 00:10:47.000
paying the monthly subscription, they were out several thousand dollars

165
00:10:47.039 --> 00:10:50.799
for the hardware, the installation, and the monthly subscription fee.

166
00:10:51.039 --> 00:10:53.919
And so, you know, Martin was like, the moral of

167
00:10:53.960 --> 00:10:58.200
this story is you need to step back, which is

168
00:10:58.279 --> 00:11:01.480
pause And that's the first tip we give everybody pause

169
00:11:02.159 --> 00:11:07.639
and think about the situation. And in this instance, ask yourself,

170
00:11:08.840 --> 00:11:11.679
do I really need this? Do I need this home

171
00:11:11.759 --> 00:11:17.720
security system? And if I, if I was actually looking

172
00:11:17.759 --> 00:11:21.080
for a home security system, have I done my research

173
00:11:21.200 --> 00:11:26.360
to determine that this is a legitimate company that sells

174
00:11:26.440 --> 00:11:32.159
legitimate products and services? Have I? You know, you can

175
00:11:32.200 --> 00:11:34.200
actually get on and put the name of the company

176
00:11:34.240 --> 00:11:37.279
in your Internet search bar and put fraud or scam

177
00:11:37.360 --> 00:11:40.480
after it and see what comes up, or just say

178
00:11:40.679 --> 00:11:43.639
is and then the name of the company a legitimate company.

179
00:11:45.120 --> 00:11:48.960
Different ways you can You can also look up customer

180
00:11:49.000 --> 00:11:54.279
reviews and see what comes up on customer reviews. You know,

181
00:11:54.399 --> 00:11:58.399
for the company. If you know somebody that already uses

182
00:11:58.440 --> 00:12:00.720
this product, you can talk to them about how they

183
00:12:00.879 --> 00:12:08.440
like it. Excuse me, so doing your research in this instance,

184
00:12:09.399 --> 00:12:14.399
after you've determined that yes, this is something I really

185
00:12:14.440 --> 00:12:19.000
do need and or want and I can afford to

186
00:12:19.600 --> 00:12:24.960
pay for the installation, and you know, that's another question

187
00:12:26.240 --> 00:12:35.120
is asking yourself, excuse me, asking yourself if this contract

188
00:12:35.120 --> 00:12:39.679
were to go sour like in this situation, that the

189
00:12:39.919 --> 00:12:42.320
product never worked and I had already paid all that

190
00:12:42.440 --> 00:12:45.840
money and I was paying for the subscription, can I

191
00:12:45.879 --> 00:12:50.360
afford to lose this money? Because what if the company

192
00:12:50.440 --> 00:12:56.120
does end up folding? A lot of companies end up

193
00:12:56.120 --> 00:13:00.159
getting bought out, and then the new company, you know,

194
00:13:00.200 --> 00:13:05.080
we'll take over and service the subscriptions. But you know,

195
00:13:05.279 --> 00:13:08.080
just it's another question to ask yourself, not only do

196
00:13:08.159 --> 00:13:11.759
I need this? You know, do I want this? Can

197
00:13:11.799 --> 00:13:15.919
I afford to lose this money should something happen where

198
00:13:15.960 --> 00:13:19.679
I can't recover it? It's another valid question, And then

199
00:13:20.159 --> 00:13:21.279
to do your research.

200
00:13:22.399 --> 00:13:23.000
There are.

201
00:13:24.639 --> 00:13:31.159
Companies out there, real companies that use aggressive sales tactics

202
00:13:31.600 --> 00:13:33.039
to get you to buy.

203
00:13:32.879 --> 00:13:35.039
Their product or services.

204
00:13:37.840 --> 00:13:41.879
And there's a wide variety of aggressive sales tactics. Yes,

205
00:13:42.159 --> 00:13:45.279
you know, they can come to your door. And you

206
00:13:45.320 --> 00:13:47.720
know those of us that were you know, taught to

207
00:13:47.919 --> 00:13:50.879
you answer your door. You don't shut the door on someone.

208
00:13:51.000 --> 00:13:52.879
When you talk to them, you invite them in. You

209
00:13:53.000 --> 00:13:57.000
be hospitable. We can't do that today. You know, peek

210
00:13:57.039 --> 00:13:59.759
out the window. If you don't know the person and

211
00:13:59.799 --> 00:14:03.320
you have an appointment, you don't have to answer the door.

212
00:14:03.480 --> 00:14:05.799
But then also remember, you know, they could call you

213
00:14:06.399 --> 00:14:10.120
and they could talk you into setting up an appointment

214
00:14:10.120 --> 00:14:12.200
where they come over to your house. And so you're

215
00:14:12.240 --> 00:14:15.320
expecting the appointment. You're expecting them to show up and

216
00:14:15.720 --> 00:14:18.399
they actually work for the company. They might have a

217
00:14:18.480 --> 00:14:20.440
name tag, I don't you know, maybe they have a

218
00:14:20.480 --> 00:14:21.759
shirt that has the name on it.

219
00:14:22.679 --> 00:14:24.840
Maybe you've already verified.

220
00:14:25.960 --> 00:14:29.080
Through the company's official channels that yes, this person does

221
00:14:29.120 --> 00:14:33.919
actually work for them. But then they come over and

222
00:14:34.240 --> 00:14:37.720
for the appointment, and they just start throwing a lot

223
00:14:37.720 --> 00:14:41.679
of information at you very quickly, and your mind is

224
00:14:41.759 --> 00:14:44.480
just spinning, like I can't keep track of all this.

225
00:14:44.679 --> 00:14:48.039
And but then it's like they want you to sign something.

226
00:14:49.639 --> 00:14:54.000
Maybe they say it's an estimate, but it's actually a contract,

227
00:14:54.200 --> 00:14:57.799
or maybe they you know, say you know, and these

228
00:14:57.799 --> 00:15:03.279
are just these are examples. They might also say, oh, well,

229
00:15:03.320 --> 00:15:06.240
you know, you can sign the contract and then you know,

230
00:15:06.320 --> 00:15:08.600
you can get out of it at a later date,

231
00:15:09.000 --> 00:15:12.320
you know, if you don't like it or whatever. But

232
00:15:12.399 --> 00:15:14.559
you really have to read the fine print. And a

233
00:15:14.600 --> 00:15:16.559
lot of I've heard a lot of people tell me

234
00:15:16.679 --> 00:15:20.120
that after they've gone through one of these situations using

235
00:15:20.200 --> 00:15:25.120
these aggressive sales tactics, they've been mentally exhausted, and they've

236
00:15:25.120 --> 00:15:28.480
taken that paper that they've signed and they just put

237
00:15:28.519 --> 00:15:32.159
it in a drawer and you know, they take a

238
00:15:32.240 --> 00:15:36.279
nap and then they get up, they go about their

239
00:15:36.360 --> 00:15:40.240
day and they might not pull that contract out for

240
00:15:40.320 --> 00:15:46.360
a week or two and.

241
00:15:44.600 --> 00:15:48.720
Actually review it and read it. And while there is.

242
00:15:50.840 --> 00:15:55.759
There are laws in Arizona regarding contracts and cancelation laws,

243
00:15:58.200 --> 00:16:04.919
and there's a consumer fraud protection and there are certain

244
00:16:09.120 --> 00:16:11.720
I'm trying to remedies you have, is what I wanted

245
00:16:11.720 --> 00:16:15.000
to say. You know, because contracts are legally binding agreements,

246
00:16:15.480 --> 00:16:18.159
but Arizona law does provide consumers with the right to

247
00:16:18.279 --> 00:16:27.039
cancel specific types of contracts within set timeframes. These protections

248
00:16:27.080 --> 00:16:29.639
are designed to help individuals who may have been subjected

249
00:16:29.679 --> 00:16:34.919
to high pressure sales or deceptive practices. But these rights

250
00:16:34.919 --> 00:16:39.679
don't apply to every contract. It's important to understand which

251
00:16:39.720 --> 00:16:44.240
specific transactions allow for a penalty free cancelation. What are

252
00:16:44.279 --> 00:16:49.440
those timeframes? How do you know what type of contract

253
00:16:50.120 --> 00:16:56.320
it would apply to. So it's the Arizona Consumer Fraud Act.

254
00:16:56.440 --> 00:16:59.639
It prohibits the use of deception, fraud, false pretenses, or

255
00:16:59.639 --> 00:17:02.480
the concer the ealment of important facts during the sale

256
00:17:02.559 --> 00:17:04.400
or advertising of goods and services.

257
00:17:05.559 --> 00:17:07.359
While it defines unlawful.

258
00:17:06.880 --> 00:17:11.480
Behavior, other specific state and federal laws provide the actual

259
00:17:11.559 --> 00:17:15.799
right to cancel certain financial and sales agreements. So there's

260
00:17:15.839 --> 00:17:19.920
also the federal law. There's one specifically called the Truth

261
00:17:19.960 --> 00:17:23.160
and Lending Act that provides the right to rescind certain

262
00:17:23.200 --> 00:17:28.559
credit transactions. Depending on what contract it is with whatever

263
00:17:28.640 --> 00:17:31.119
product or service that you're getting into. Is there a

264
00:17:31.160 --> 00:17:34.359
specific federal law that applies to that. Is there a

265
00:17:34.400 --> 00:17:38.079
specific state law that applies to that in addition to

266
00:17:38.400 --> 00:17:45.200
the Arizona Consumer Fraud Act. That timeframe is usually three

267
00:17:45.279 --> 00:17:48.160
days from when you sign it. And I say usually

268
00:17:48.200 --> 00:17:52.640
because it's not All contracts are different, and we.

269
00:17:52.640 --> 00:17:53.640
Already said that.

270
00:17:54.119 --> 00:17:59.880
It deals with specific types of transactions, So your type

271
00:17:59.880 --> 00:18:04.759
of transaction or product or service contract might not apply

272
00:18:04.839 --> 00:18:07.839
to this three day So what I'm getting at is

273
00:18:07.960 --> 00:18:09.799
there's a lot of different laws that.

274
00:18:09.759 --> 00:18:10.920
Are out there to protect you.

275
00:18:11.599 --> 00:18:14.119
But once you get into the contract and let's say

276
00:18:14.160 --> 00:18:16.039
you do open it up, you know, you take it

277
00:18:16.039 --> 00:18:19.319
out later that same day and start reading through that. Well,

278
00:18:19.319 --> 00:18:23.799
now you've got to then research what are my rights

279
00:18:24.119 --> 00:18:28.880
for this specific type of contract. What are my rights

280
00:18:28.920 --> 00:18:34.079
to cancel it? Is it federal, state, local, combination thereof?

281
00:18:34.599 --> 00:18:36.960
And so now you're involved in doing all of this

282
00:18:37.079 --> 00:18:41.160
research to then go you know, and then also determining, well,

283
00:18:41.440 --> 00:18:46.519
by law, how do I show I that I canceled

284
00:18:46.559 --> 00:18:50.839
this contract legally within my rights? So what do you

285
00:18:50.880 --> 00:18:55.440
need to have for documentation? What all does that cancelation include?

286
00:18:55.480 --> 00:18:59.319
Do you have to send multiple cancelation letters signed by

287
00:18:59.359 --> 00:19:05.599
you in the mail, you know, to a specific address

288
00:19:05.680 --> 00:19:08.119
within the company, And then how do you know that

289
00:19:08.200 --> 00:19:10.240
they got it? Are you going to have to send

290
00:19:10.279 --> 00:19:13.279
it certified return receipts so you know it was delivered,

291
00:19:13.799 --> 00:19:16.400
you know, with maybe a signature. There's just a lot

292
00:19:16.519 --> 00:19:20.680
of a lot of things that can go into canceling

293
00:19:20.880 --> 00:19:25.119
a contract. So the better thing to do here is

294
00:19:25.200 --> 00:19:32.880
before you even sign anything, do your research. Pause, talk

295
00:19:32.960 --> 00:19:35.720
to your family or friends, your trusted person about what

296
00:19:35.799 --> 00:19:39.480
this product is and what are the reasons why you

297
00:19:39.559 --> 00:19:43.119
think you really need to have this or maybe it's

298
00:19:43.160 --> 00:19:47.400
a want. Can I afford to lose this money? You know,

299
00:19:47.440 --> 00:19:51.079
if whatever product service is going to cost you five grand,

300
00:19:51.160 --> 00:19:54.000
ask yourself if this thing goes sour? Can I afford

301
00:19:54.119 --> 00:19:59.279
to lose five thousand dollars? And do all of this

302
00:19:59.519 --> 00:20:03.799
up from so you're not having to do this tenfold

303
00:20:04.279 --> 00:20:09.880
a day later after you've signed the contract, and just

304
00:20:09.920 --> 00:20:13.480
because someone has all of this and they have a

305
00:20:13.519 --> 00:20:15.519
contract and they're trying to get you to sign it,

306
00:20:16.759 --> 00:20:19.160
they can leave you a copy of the contract without

307
00:20:19.160 --> 00:20:23.519
you signing it, and you can have time to review

308
00:20:23.559 --> 00:20:26.480
it and go through everything and make sure that you

309
00:20:26.559 --> 00:20:29.920
are understanding exactly what all is involved.

310
00:20:31.000 --> 00:20:32.519
Is there a subscription fee?

311
00:20:33.039 --> 00:20:35.960
Okay, I thought the subscription fee was for twelve months,

312
00:20:35.960 --> 00:20:38.240
but it says in the contract it's for five years.

313
00:20:38.279 --> 00:20:40.359
If I cancel it within five years, I'm going to

314
00:20:40.400 --> 00:20:43.920
be penalized. These are things you need to know. What

315
00:20:44.119 --> 00:20:50.480
happens if the company closes, What happens if the company

316
00:20:50.559 --> 00:20:55.119
is sold and the contract goes to the new company.

317
00:20:56.640 --> 00:20:59.000
There's a lot of different things that are in contracts.

318
00:21:00.119 --> 00:21:04.920
Some of them are there to protect the that are

319
00:21:04.920 --> 00:21:06.680
there to protect you, and some of them are there

320
00:21:06.720 --> 00:21:10.119
to protect the company. So it's imperative that you read

321
00:21:10.400 --> 00:21:16.160
through and understand everything that's in the contract, which is

322
00:21:16.359 --> 00:21:19.559
you know why you can have your trusted person there.

323
00:21:19.599 --> 00:21:23.279
You don't necessarily always need to consult an attorney. That's

324
00:21:23.319 --> 00:21:26.359
your choice if you If you have an attorney and

325
00:21:26.400 --> 00:21:28.000
you want to send it to them and say, hey,

326
00:21:28.279 --> 00:21:30.279
tell me what's in here I need to be concerned about.

327
00:21:30.400 --> 00:21:32.680
That's your choice to do that.

328
00:21:32.880 --> 00:21:36.480
Some people are comfortable just reading through it on their own.

329
00:21:36.599 --> 00:21:39.359
Other people are like, I don't understand this legal jargon.

330
00:21:39.400 --> 00:21:43.039
I'd rather pay for an hour's worth of my attorney's

331
00:21:43.079 --> 00:21:45.240
time to have them review it and let me know

332
00:21:45.279 --> 00:21:48.480
what's going on. But these are all things that you

333
00:21:48.599 --> 00:21:52.480
can do to protect yourself instead of just signing a

334
00:21:52.599 --> 00:21:58.200
contract and going off of what someone told you. Okay,

335
00:21:58.559 --> 00:22:02.119
because when push to shove, what's going to matter is

336
00:22:02.160 --> 00:22:05.720
what's in the contract, not what someone told you.

337
00:22:07.119 --> 00:22:08.519
So this is a short one today.

338
00:22:08.759 --> 00:22:11.920
This is all I have I've already been sneezing three

339
00:22:12.000 --> 00:22:14.559
or four times, so I am going to cut this

340
00:22:14.640 --> 00:22:18.519
short today. If you have an idea or a topic

341
00:22:18.640 --> 00:22:22.000
you want us to talk about, send us an email

342
00:22:22.000 --> 00:22:25.759
at info at Rosadvocacy dot org. You can also go

343
00:22:25.799 --> 00:22:29.799
on our website at Roseadvocacy dot org and all of

344
00:22:29.839 --> 00:22:33.160
our social media channels are on the homepage, and if

345
00:22:33.160 --> 00:22:35.720
you scroll down to the bottom of the homepage you'll

346
00:22:35.720 --> 00:22:38.519
find where you can sign up for our emailed newsletter,

347
00:22:39.319 --> 00:22:41.680
and we also do a newsletter that we send out

348
00:22:41.720 --> 00:22:46.160
in the mail. Scam prevention is something unfortunately, we're in

349
00:22:46.200 --> 00:22:48.680
a world where we need to make this a habit,

350
00:22:49.240 --> 00:22:51.000
and one of the ways to make it a habit

351
00:22:51.119 --> 00:22:53.599
is to have a reminder about it. It's not to

352
00:22:53.680 --> 00:22:57.720
scare you, it's not to get you to never come

353
00:22:57.720 --> 00:23:00.519
out of your home, never get online again. But those

354
00:23:00.720 --> 00:23:04.400
reminders and with the emailed newsletters every Tuesday morning at

355
00:23:04.480 --> 00:23:07.920
nine point fifteen Arizona, time you get a tip Tuesday,

356
00:23:08.559 --> 00:23:11.359
you might already know the tip, and that's fine, but

357
00:23:11.519 --> 00:23:17.319
what it's doing is it's reinforcing the scam prevention habits

358
00:23:18.359 --> 00:23:21.480
so the next time you are contacted, you are more

359
00:23:21.599 --> 00:23:24.759
apt to think, scam Okay, what are the steps that

360
00:23:24.799 --> 00:23:27.319
I need to take? And that's going to make you

361
00:23:27.440 --> 00:23:31.200
pause and stop and not get into an emotional state

362
00:23:31.279 --> 00:23:34.440
where you'll end up then the scammers using the social

363
00:23:34.480 --> 00:23:38.400
engineering against you to get you to make decisions about

364
00:23:38.400 --> 00:23:42.279
giving away your money off of based off of an emotion,

365
00:23:44.720 --> 00:23:47.000
and then you're gonna want You can find all of

366
00:23:47.000 --> 00:23:51.240
our episodes from past radio shows on our YouTube channel

367
00:23:51.759 --> 00:23:54.240
that is on our homepage with the other social media

368
00:23:54.319 --> 00:23:58.119
links as well. You're going to subscribe. We're trying to

369
00:23:58.119 --> 00:24:01.680
get up over one hundred subscribers. Please subscribe. You'll get

370
00:24:01.720 --> 00:24:06.599
a notification about what's coming up every week. And we

371
00:24:06.640 --> 00:24:09.359
also have the shorts that are anywhere from forty to

372
00:24:09.480 --> 00:24:13.000
fifty five seconds that are on the YouTube channel. You

373
00:24:13.039 --> 00:24:16.000
can just click on those and see what that's about.

374
00:24:16.000 --> 00:24:17.720
If you don't want to listen to a whole fifty

375
00:24:17.799 --> 00:24:20.440
minute or twenty five minute episode.

376
00:24:21.440 --> 00:24:25.000
Anyways, Thank you guys. We'll be back next week. Take care.

377
00:24:26.519 --> 00:24:29.519
Well, that's all the knowledge for this episode. Juni in

378
00:24:29.720 --> 00:24:33.799
every Tuesday at eight am Pacific time on KFOURHD Radio

379
00:24:33.960 --> 00:24:38.039
at KFOURHD dot com as Joyce explores a variety of

380
00:24:38.160 --> 00:24:41.680
knowledge so you have the power to make scam protection

381
00:24:42.079 --> 00:24:45.839
your healthy habit, and until then, feel free to reach

382
00:24:45.880 --> 00:24:48.680
out to Joyce and let's talk about scams.