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This scam, like the advance fee loan scam, makes use of the world wide web, phone and newspaper to advertise. A business claims that they can assure a grant or loan from the government in exchange for a fee. Victims are instructed to send cash to spend for ‘insurance’ on the promised grant or loan. They will commonly ask that the cash be sent by means of overnight or courier services or by wire, so that they do not leave any trace of their identity or place. They then provide the victim with information and facts that is readily available in any library or can be ordered straight from the government. It is a violation of New York State law to make payday loans in-individual, by phone, or over the World-wide-web.
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