Charles Juntikka

January 5, 2017

How To Avoid Bank Overdraft Fees

It has happened to many of us. We buy a $2 cup of coffee using our debit card. A few days later we learn that the cup of coffee cost us $37 because we accidentally overdrew our bank account and the bank charged an overdraft fee of $35. Last month, the Pew Charitable Trust reported that […]
December 15, 2016

Macy’s, Sears, JC Penney, Kohl’s Sued For Deceptive Advertising

Have you ever been inclined to make a purchase because an item was “on sale” and you thought you were getting a great bargain? Just as the Christmas shopping season rolls into high gear, government attorneys have filed suit against four big national retailers for false advertising that allegedly misled shoppers into believing thousands of products […]
December 8, 2016

Don’t Use Free Wi-Fi Connections To Make Holiday Purchases

The holiday season is one of the busiest times of the year for scammers. Here is a tip to protect yourself during this year’s holiday shopping season: Do not use public Wi-Fi to make purchases using your credit card, or to check your bank account information. Using free Wi-Fi can lead to identity theft. Free Wi-Fi […]
November 29, 2016

Help With Landlord / Housing Issues

New York City has a severe housing crisis. Rents are too high and apartments are not always adequately maintained or kept in livable condition. To make matters worse, hiring a landlord/tenant attorney to fight a landlord can be too expensive for many people. If you or someone you know has a landlord problem, I want to […]
November 18, 2016

Don’t Buy Gift Cards From Display Racks This Holiday Season

With gift card sales estimates at $24.81 billion this holiday season according to the National Retail Foundation, it is not surprising that scammers are targeting the gift card market. Here’s an example of a gift card scam that crooks have found to rob you of your gift card balance: Crooks jot down the gift card numbers […]
November 2, 2016

New Government Assistance for Identity Theft Victims

Identity theft is rising at an alarming rate. According to the FTC (Federal Trade Commission), identity theft complaints rose 47 percent in 2015 compared to the year before. For the past 15 years, complaints about identity theft remain among the top scams consumers report to the FTC. In order to combat this worsening problem and provide […]
October 24, 2016

Free Legal Help For Elderly Residents in Queens

St. John’s University Law School has a special program that can help some seniors with free legal help if they have become victims of financial scams. The service is available for low to moderate income residents of Queens that are 62 years old or older. The name of the program is “The Consumer Justice for the […]
September 29, 2016

500 Million Yahoo Accounts Stolen / What You Should Do

Yahoo announced that the account information of at least 500 million users was stolen by hackers in the biggest known theft of one company’s computer network. Yahoo said that user information – including names, email addresses, telephone numbers, birth dates, encrypted passwords, and in some cases, security questions – was stolen. If you are a Yahoo […]
September 22, 2016

NYC Has Outlawed Running Credit Checks On Job Applicants

New York City has adopted a law barring most employers from checking a job candidate’s credit reports. The law makes it illegal to request or use a job applicant’s credit history in making a hiring decision in almost all cases. “Just because you’ve struggled with credit cards, medical bills or student loans does not make you […]
September 8, 2016

Complaints About How Banks Handle Checking Accounts Are On The Rise – What Banks to Avoid

Are you experiencing problems or getting frustrated with you bank? You are not alone. The federal consumer watchdog agency – the CFPB – recently published an article about banks with the most complaints. Some of the top complaints were: Complaints about overdraft fees and availability of funds: Consumers complained about overdrafts on their accounts occurring because […]