There are always persons interested in taking your hard-earned money away from you through fraudulent means. 

In today’s world, you never get to see them coming for you. They are contacting you by email, text or phone call regarding an emergency that needs immediate payment or there will be dire consequence, a Social Security warning of a problem with your account, a utility company warning of an imminent shutoff, a lottery company promising a big prize — once you pay some fees upfront, a relative/grandchild needing bail or facing another financial emergency, or the IRS or a police agency has a warrant for your immediate arrest.

These persons then request payment by directing you to buy one or more gift cards — often referred to as “electronic vouchers” — as a quick means of making payment. After purchasing these cards, you are told to share the numbers on the back by reading them off or sending a picture. At this point, you have given them…

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