With Christmas just a few weeks away, folks are getting into that hustle-and-bustle mode as they try to take care of all the things that make the holidays special – including choosing the perfect gifts for family and friends.

There’s always more to do than time to do it, and an attorney for the Federal Trade Commission has some advice for anyone who feels frazzled and pushed for time: Give yourself time to know who you’re dealing with, whether you’re shopping online or taking a call from someone who claims to be a family member in need.

Ken Abbe, and FTC attorney in the Western Region of the U.S., was a guest on Tuesday’s segment of TownTalk.

“Everybody’s busy getting things done,” Abbe said, which makes this time of year prime time for scammers.

As Abbe pointed out, this is the time of year that people want to be as generous as possible – “it’s the perfect environment to get you – when you’re vulnerable,” Abbe said.

Abbe said it’s important for online shoppers to use a credit card or other type of payment that can be reversed or disputed if a suspicious or unauthorized payment is made. He does not recommend using debit cards, gift cards or wire transfers because, once spent, “that money is probably gone forever. Avoid things you can’t reverse to make a payment.”

It’s not just bogus online commerce sites that people fall for, Abbe said.

Chances are you know someone who’s gotten “that” phone call: a grandchild or family member who’s been in a car crash, or been arrested, or has fallen ill and needs money to get out of the situation.

“There are always things to do to make sure the person is (really) who you’re talking to,” Abbe said. “Scammers are clever,” he added and can quickly dupe unsuspecting victims into forking over lots of money.

Abbe encourages individuals to visit www.ftc.gov to learn about scammers and to file complaints.

“We collect complaints from all over the country from people who have been victims of scams. They are our eyes and ears,” Abbe said. “We can’t stop companies from ripping people off if we don’t know about it.”

And while there are very sophisticated schemes that operate online and take advantage of vulnerable, well-meaning individuals, there’s one time-tested adage to keep in mind: If it sounds too good to be true, it probably is.

 

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