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Watch for Fake Check Schemes that Cost You Money

There is a check scheme going around that is snaring people into owing thousands of dollars on fake checks that look real. The offers that come for these checks look and sound so real that they are snagging victims at an alarming rate. And those who are caught up in them can be on the hook for thousands of dollars.

The reason for that these schemes work for the criminals is that there is a lag between the time in which the check is deposited and when it clears the system all the way back to the originating bank. In this manner the bank into which the check is deposited "loans" the money on the genuine-looking check to the one who is cashing or depositing it.

Then the victims do what they are told and forward on the lion's share of the check to third-party perpetrators. Once the original check bounces and comes back through the system, those who deposited the check are liable for the full amount.

The checks look real. Banks often cannot tell if the checks are real or not. This compounds the problem. Added to this is the fact that banks are required to make the money available to you in 5 to 7 business days. This means that you can take the money out or move it even though the original check is still working its way through the system.

What to watch out for. If you are ever approached by someone who wants to give you a check to deposit from which you pay them a lesser amount and allow you to keep the rest for your trouble, then you should be instantly suspicious. Anyone who does business in this manner has something to hide.

Other tactics include an announcement that you have won a lottery and a check is being sent to you but you need to pay out taxes on the amount. Cash grants are issued via check but there is a processing fee. You have a buyer of something that you are selling and they ask you to take a check for payment and return the overage to them.

Who to contact. Contact your local police agency in order to alert them to what you have witnessed - especially if you have become a victim. You will want to file an official police report that can be used in your defense. This will also alert authorities that the scheme is occurring in the area so that others can be warned about its existence. Then, contact your bank and let them know about the situation, too.

Unfortunately, these fake check schemes are operated for either Canada or other countries around the world, so it is almost impossible to pursue and prosecute those responsible. The best method in protecting yourself is to heed the tips above and question the motives and intentions of those who make these kinds of offers to you. You can also visit www.fakechecks.org to give you additional advice on this topic.

By Debbie Dragon

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