Scams & Online Safety
CashApp account frozen—what do you do?
Do NOT click—phishing! Verify through the app.
Good vs. bad debt?
Good builds value; bad drains finances.
What is a contract?
A legally binding agreement.
Fyre Festival lawsuit claim?
Influencers got paid to lie about a fake luxury festival.
What’s the difference between a need and a want?
Need = essential; Want = optional
Why are CashApp/Venmo scams common?
Payments are instant and irreversible.
Effect of paying credit card minimum?
Mostly interest; slow payoff.
What do before signing?
Read, ask, understand all terms.
What was the Minute Maid Pomegranate Blueberry issue?
99% apple & grape juice—misleading.
Buying car—ask about?
Caller says FBI will arrest unless you pay—legal?
Illegal—wire fraud and impersonation.
Debt collectors call 11PM?
No—FDCPA bans calls before 8AM/after 9PM.
Unconscionable contract means?
Grossly unfair—court may refuse enforcement.
Issue at Burger King '35% Bigger Whopper'?
Ads exaggerated burger size.
What is a warranty?
Seller promise product works/replaced.
Define phishing.
Fake messages to steal info.
What can collectors NOT do?
Harass, threaten, or lie.
Example of unconscionable?
Payday loan 300% APR.
Skechers Shape-Ups false claim?
Tone muscles w/o exercise—FTC fined $40M.
Red flag in ad/contract?
'No refunds', fine print, urgency.
Name two identity protection tips.
Strong passwords; avoid public Wi-Fi for banking.
Why check your credit report?
To find errors or ID theft signs.
Product fails—what protects you?
Express/implied warranties.
What law bans false ads?
FTC Act, Section 5.
Who to contact if scammed?
FTC or BBB