DCA is Here to Help All Year Long

Just because National Consumer Protection Week (NCPW) has ended doesn’t mean you aren’t protected. As #NCPW2017 wraps up, DCA wants to remind consumers that our resources and programs are available any time of year. This past week, we’ve shared details on many of them.

An informed consumer is a protected consumer: consider yourself empowered! Learn more at www.dca.ca.gov.

Also, see our complete list of free publications at www.dca.ca.gov/publications/publications_list.shtml, subscribe to our award-winning magazine, Consumer Connection, and follow us on Facebook and on Twitter @DCAnews.

Weighing Out Diet Scams

weight-lossThe first month of 2017 is almost history, but a few of the resolutions you may have put on the list for this year may still not be crossed off—or started, for that matter. Getting more organized and saving money are goals that are easy to plan, while losing weight—a resolution that is at the top of many people’s lists—is one of the hardest to start.

Losing weight is a healthy and rewarding goal, however, beware of quick-fix weight-loss products and plans. Like other scams, if they sound too good to be true, they probably are.

At best, “miracle” weight-loss products won’t help at all and will only cause you to lose money. At worst, they can cause health issues. The U.S. Food and Drug Administration (FDA) found that hundreds of dietary supplement products contain hidden active ingredients that may be advertised as “natural” and “safe.” As a result, the FDA has received numerous reports of increased blood pressure, heart palpitations, stroke, seizure, and even death as a result of taking these supplements.

According to the Federal Trade Commission (FTC), beware of weight-loss ads with tag lines like these:

  • Lose weight without diet or exercise!
  • Lose weight no matter how much you eat of your favorite foods!
  • Lose weight permanently! Never diet again!
  • Just take a pill!
  • Lose 30 pounds in 30 days!
  • Everybody will lose weight!
  • Lose weight with our miracle diet patch or cream!

The FTC says the best way to lose weight is to cut about 500 calories per day, eat a variety of healthy foods, and exercise regularly. Also, before beginning any weight-loss plan, consult your healthcare professional. To check the status of a doctor’s license, visit the Medical Board of California website at www.mbc.ca.gov.

The Rain is Back—So are the Cons

GUERNEVILLE, CA - JANUARY 11: A resident paddles his kayak through floodwaters in Guerneville. (Photo by Justin Sullivan/Getty Images)

GUERNEVILLE, CA – JANUARY 11: A resident paddles his kayak through floodwaters in Guerneville. (Photo by Justin Sullivan/Getty Images)

California had a weather event last week. And whatever the forecasters called it—Atmospheric River, Pineapple Express, La Niña—it meant that a lot of water came crashing down on California, causing floods, mudslides, avalanches, and other water-related havoc on a state that has, in the past 5 years, experienced historically low levels of precipitation.

And just when homeowners are starting to see things dry up a bit, the rain is back again this week to serve up another round of chaos.

Don’t get Californians wrong—we are grateful that the drought may be over.

Unfortunately, there are others who are grateful for the weather for another reason—they wait for disasters like this to con homeowners into giving them money. They promise a quick solution to help disaster victims clean up, then take the money and run.

A tree lands on a house in Forestville on January 9. (Photo: ABC7/Laura Anthony)

A tree lands on a house in Forestville on January 9. (Photo: ABC7/Laura Anthony)

The Contractors State License Board (CSLB) is warning homeowners not to take the bait. Check a contractor’s license number online at www.cslb.ca.gov or by calling (800) 321-CSLB (2752). Here are a few tips from CSLB to help keep you out of a scam:

  • Get at least three bids.
  • Make sure all project expectations are in writing and only sign the contract if you completely understand the terms. Never sign a blank contract!
  • Confirm that the contractor has workers’ compensation insurance for employees.
  • Never pay more than 10 percent down or $1,000, whichever is less. Don’t pay in cash.
  • Don’t let payments get ahead of the work.
  • Don’t make the final payment until you’re satisfied with the job.
  • Your contractor must notify you of your right to cancel within three days of signing a contract

There is another group of criminals posing as door-to-door home repair contractors who operate all year long. These scammers, which CSLB refers to as“traveling contractors,” rip off homeowners with painting, paving, and roofing scams. Fortunately for consumers, they are usually easy to spot—if you know what to look for. Check out CSLB’s Traveling Contractor Scams tip sheet for a list of red flags.

Another thing to remember: If you’re going through your insurance provider for repairs, the provider may require that you use a certain contractor, so make sure to call first and find out.

Two New Publications from the California Bureau of Real Estate

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The California Bureau of Real Estate has two new publications available on its website, http://www.calbre.ca.gov: the Quick Guide for Tenants Renting a Home and the Quick Guide for Landlords Hiring a Property Manager.

The guides feature important questions to ask for potential tenants and landlords seeking a property manager, as well as information on contracts, resources for research, and possible red flags tenants and landlords should be aware of to avoid being a victim of fraud.

Take a look!

California Bureau of Real Estate Issues Valuable Tips for Seniors on how to Avoid Becoming Victims of Real Estate Fraud

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Those who commit fraud often target and exploit senior citizens. According to the FBI, the reason they do is because senior citizens are most likely to have a sizeable “nest egg” that criminals can target, and seniors are typically seen as more trusting of others. Older Americans are also less likely to report fraud because they don’t know who to report it to and are often too ashamed at having been scammed. Sometimes they aren’t even aware they have been scammed.

The California Bureau of Real Estate recently issued an advisory directed at California seniors to offer them essential advice and tips on how to protect themselves from becoming victims of real estate fraud schemes, including those scams involving home loans, rentals, timeshares, and false or fictious deeds.   Check out the advisory here.