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Dee in New York: I only did this once several years ago.

I was on a secluded beach in the off season with my husband.

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Be sure to enter correct contact information if you would like a response. • Please only click the yellow tab labeled UNDOCK if you are familiar with chat applications.

This will open the chat feature in its own window separate from your browser.• If you are on a mobile device your browser must not be in private mode and cookies must be enabled.

How many times have you picked up the phone, only to find “Rachel from Cardholder Services” on the other end?

We bet you’ve spoken to her more times than you’d like to admit. Her recorded voice offers to lower your credit card interest rates – but later in the call, customers are asked for an up-front payment. I need to be able to receive calls from students so it is not as simple as leaving the phone off the hook. Maybe Rachel or Ann would like to try getting the student with a particularly short attention span back on task after the lesson has been needlessly interrupted.” There’s good news on the way for at least some of the consumers who have been impacted by this scam: The FTC will be sending checks for $42.95 each to 16,590 victims.

Please explore our web site or e-mail a counselor if you need any additional information.