Matthew Dunaway November 2018

Why You Should Never Pay Over the Phone WHO’S ON THE OTHER END?

When you’re in debt or filing for bankruptcy, your phone may be ringing nonstop as debt collectors try to get you to pay up. There are plenty of reasons you might not want to answer the phone when a debt collector calls, but here’s one you might not have considered: The person on the other end of the call might not actually be a debt collector. Fraudulent calls, scams, and robocalls increase every year. First Orion, a company that handles caller identification and call-blocking programs, estimates that nearly half of all cellphone calls made in 2019 will be from scammers. Many of these scammers masquerade as debt collectors and threaten to call the cops if their victims don’t pay up. Unless you have a relationship with the caller — as in, they are someone you have been working with for a while — never pay over the phone. If you give money to a criminal, that money is likely gone forever. You can report the crime

to the police, but many of these scammers are located in another state or on the other side of the world. Our advice? If you don’t recognize the number, don’t answer. A legitimate company will leave a voicemail. You can listen to it later and use the information they provide to do some research to determine whether the caller is really who they claim to be. If you have to answer an unfamiliar number and the person on the other end demands you pay them over the phone right then and there, just hang up. This approach applies to emails, too. Scammers often target their victims with faux emails, pretending to be debt collectors or financial institutions. Many of these emails will be full of grammar errors, but others can look like a perfect imitation of the real thing. As a rule of thumb, you should never respond to emails you did not request. Don’t even click on any of the links within the message. If you want to verify

the information, always look up the official number for the company and contact them directly. Don’t get tricked because you’re afraid the person on the other end of a phone call or email might be telling the truth. If a legitimate debt collector is trying to reach you, they will send you a letter via traditional mail services. At this point, you can hire a bankruptcy attorney to help you deal with the situation appropriately.

Spicy, Creamy Sweet Potatoes Recipe of the Month

Good News

Sweet potatoes are a Thanksgiving staple, but they’re often the blandest thing on the table. Luckily that’s not the case with this recipe, which features Thai spices and coconut milk.

Psalm 9:1

Ingredients • 5 pounds sweet potatoes • 1 cup canned coconut milk • 1 tablespoon Thai red curry paste Directions 1. Heat oven to 375 F. On a large sheet pan, bake potatoes until very soft, approximately 75 minutes. 2. Let potatoes cool until they are safe to handle, then peel and mash. 3. In a small saucepan over low heat, combine coconut milk and curry paste. Once mixed, add the mixture, salt,

• 1/2 cup dark brown sugar • 4 tablespoons unsalted butter • 1 tablespoon kosher salt

“I will praise thee, O Lord, with my whole heart; I will shew forth all thy marvellous works.”

half the sugar, and half the butter to potatoes. 4. 30 minutes before serving, heat oven to 425 F. Spread potatoes in a baking dish, cover with foil, and bake for 20 minutes. 5. Uncover potatoes and dot with remaining butter and sugar. Broil until brown, crusty, and delicious. Serve hot.

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