Here is the golden rule of not becoming a victim of a scam, especially those involving money: Never give your credit card, social security number, or any other financial information out over the phone, by mail, or by email unless you initiate the contact and know who you are dealing with.

The following are some “red flags” that should warn you a letter, phone call, or email you received may be a scam:

• High-pressure tactics. Beware of phrases like “You will lose out if you don’t act now” or “Don’t discuss your sweepstakes winnings with anyone until you get your check.”

• Upfront payment. If you are told you must pay up front to receive your prize or winnings, it’s likely a scam. If you’ve won something, it’s yours. You should not have to pay anything in advance, including taxes or shipping and handling.

• Refusal to provide written information. If the person or company contacts you but refuses to give information in writing, don’t do business with them.

• Unrealistic profits. Be skeptical if you are told that you can make lots of money quickly with no risk, with no experience, or with no training.

If you receive a phone call, letter, or email that includes any of these red flags, just hang up (or ignore it if it’s a letter or email). Remember, telemarketing fraud is a crime, and the people who practice it are criminals.

If it’s too late, and you’ve already been scammed, call J.P. Investigations right away at 1-877-990-2111. Our team of private investigators is at your service.