For some good information regarding scams, check this
Scam Reminders: If
it sounds too good to be true, it probably is...
When receiving offers via
telephone, e-mail or regular US Postal Service that seem
suspicious it is best to ignore them, delete them, or throw
them away and not to participate.
If anyone initiates
contact with you posing as a representative of a
business and requests banking, credit card, or other
personal information, hang up.
Never give this
information out to anyone who initiates a call or other
communication with you. Legitimate businesses will
not call their customers to ask for this information, they
already have it.
You may then call the
institution the person claims to represent and report the
incident to them.
Remember, if anyone sends
you a request for money up front for a service, prize, or
award, the contact is most likely a scam. Simply do
not respond to these requests.