Outsmart Scams

Learn how to protect yourself from debt relief and financial scams.

How to Identify Scams

Financial scammers often target people who are struggling with debt. Watch out for these red flags:

Upfront fees: Legitimate debt relief companies cannot charge fees before they settle or reduce your debt.
Guaranteed results: No one can guarantee specific outcomes like debt forgiveness or credit score improvements.
Pressure tactics: Scammers create urgency to prevent you from thinking clearly or doing research.
Requests for unusual payments: Be wary of requests for gift cards, wire transfers, or cryptocurrency.
Unsolicited contact: Be cautious of unexpected calls, texts, or emails claiming you qualify for special programs.
Vague or missing information: Legitimate companies are transparent about their services, fees, and how they operate.

Worthy Will Never...

Ask you to pay upfront fees before providing services

Guarantee specific debt reduction amounts or credit score improvements

Ask for your full Social Security number via unsolicited calls or texts

Request payment via gift cards, wire transfers, or cryptocurrency

Pressure you to make immediate decisions

Tell you to stop communicating with your creditors without explanation

Ask you to provide your bank login credentials directly to us

Common Debt Relief Scams

Advance Fee Scams

Scammers demand payment before providing any services. Under the FTC's Telemarketing Sales Rule, debt relief companies cannot charge fees until they've actually settled or reduced your debt.

Fake Government Programs

Scammers claim to represent government agencies or say you qualify for special government debt forgiveness programs. The government does not offer widespread debt forgiveness programs for consumer debt.

Credit Repair Scams

Companies promise to remove accurate negative information from your credit report. Only inaccurate information can legally be removed, and you can dispute errors yourself for free.

Impersonation Scams

Scammers pretend to be from legitimate companies, including Worthy. Always verify you're communicating with us through our official channels.

What to Do if You've Been Scammed

If you believe you've been the victim of a scam, take these steps immediately:

Stop all contact with the scammer and do not send any more money.
Document everything: Save emails, texts, call records, and any other evidence.
Contact your bank or credit card company to report the fraud and potentially reverse charges.
Place a fraud alert on your credit reports with the three major bureaus (Equifax, Experian, TransUnion).
Report the scam to the appropriate authorities (see below).

Report a Scam

Help protect others by reporting scams to these agencies:

Federal Trade Commission (FTC): ReportFraud.ftc.gov
Consumer Financial Protection Bureau (CFPB): consumerfinance.gov/complaint
Your State Attorney General: Search for your state's AG office consumer protection division.
FBI Internet Crime Complaint Center: IC3.gov

Verify It's Really Worthy

If you're unsure whether a communication is legitimately from Worthy, please contact us directly to verify:

Email: help@askworthy.ai

Phone: +1 (754) 273-8381

We're happy to confirm whether any communication you've received is genuinely from us.