Protecting Your Money, Your Identity and Your Livelihood:
How to protect Yourself Against SCAMS, Con-Artists, Fraudsters and Dishonest Scumbags

December 21, 2024 -- By: Dan D. Valentino // TheBlakeMoiaShow.com Investigative Reporter ----------------------------------------

Today, we delve into the important topic of protecting yourself against scams, con-artists, fraudsters, and fake contractors. As technology evolves and scams become more sophisticated, awareness is your first line of defense.

We provide insights on recognizing red flags, what to look for and discuss the importance of community support in sharing experiences.

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1) NEVER GIVE ANY PERSONAL INFO TO ANYONE WHO CALLS YOU OVER THE PHONE

TheBlakeMoiaShow.com experts say to always verify the identity of anyone asking for your personal information or money. Trustworthy businesses and individuals won’t hesitate to provide proof of their legitimacy.

Be cautious with unsolicited messages, phone calls, or emails. Scammers often create a sense of urgency to trick you into acting quickly.

Our experts say: "When in doubt, take a step back and do your research before engaging further. The court system, the federal government, the IRS, the sheriff's office, etc, etc, simply will NOT call you to ask for payments over the phone."

Several people have been victim to this classic scam; where a scammer -- usually from overseas -- will call a potential victim and claim they are with the U.S. Marshal Service. The scammer would then say the person they calling has a warrant issued for their arrest and unless a payment is made over the phone, then the authorities will arrest the victim.

Authorities say all court-related or government correspondence is usually conducted via mail or in person.

2) BEWARE OF FRAUDULENT CONTRACTORS

Another popular scam are fraudulent contractors. Never pay for services in cash or via untraceable methods, such as, cash, wire transfers or gift cards. Instead, our experts say to use credit cards or established payment methods that offer consumer protection.

We also suggest taking your time and use due diligence in order to make a decision. A legitimate contractor or service will understand and respect your need for due diligence.

A few things to keep in mind:

There is no such thing as a "handyman's license".
A handyman is not a contractor. A handyman does small projects that DO NOT require a work permit.
If a handyman shows you a business tax receipt, that is not a license or insurance.
If a handyman says they "can do it all", that is a huge red flag.
ALL remodeling projects, demolition, construction, roofing, concrete, electrical jobs have to be performed by a licensed contractor who has insurance and required work permits.
The contactor is responsible for obtaining the work permits through the appropriate jurisdictions.
If a handyman does work such as electrical, plumbing, etc, this is all illegal work.

YOU, THE HOMEOWNER HAVE RIGHTS

A homeowner has the right to request all documents from any person soliciting work that requires a license.

Request everything in writing.
Make copies of the contractor's paperwork.
Save every receipt.
Make sure both parties sign the agreement / contract.
Having a witness on your behalf always is a plus.

According to Florida State Statute 489.13, "Any person performing an activity requiring licensure under this part as a construction contractor is guilty of unlicensed contracting if he or she does not hold a valid active certificate or registration authorizing him or her to perform such activity, regardless of whether he or she holds a local construction contractor license or local certificate of competency. Persons working outside the geographical scope of their registration are guilty of unlicensed activity for purposes of this part."

Punishments range from anywhere from $10,000 in fines plus investigative costs, and costs of prosecution to jail time.

"A local building department shall not issue a building permit to any contractor, or to any person representing himself or herself as a contractor, who does not hold a valid active certificate or registration in the appropriate category. Possession of a local certificate of competency or local construction license is not sufficient to lawfully obtain a building permit as a construction contractor if the activity in question requires licensure under this part. Nothing in this section shall be construed as prohibiting a local building department from issuing a building permit to a locally licensed or certified contractor for an activity that does not require licensure under this part."

READ: FLORIDA STATE STATUTE 489.127 - UNLICENSED CONTRACTING

Chapter 489 Section 126 States that contractors must apply for work permits within 30 days and begin work within 90 days of collecting a 10% or more down payment.

Lastly, trust your instincts.

Are there red flags going on? If something feels off, it probably is.

The Blake Moia Show highlights the importance of community support in sharing experiences on social media groups. Together, we can stay informed and protect ourselves from those who seek to take advantage of us.