I work for a credit union and often see scams that are trends occuring with our members.

There is an old scam resurfacing big time that job seekers (js) need to AVOID.

The scam starts by the js reading and responding to an ad on craigslist, a job website, or receiving an unsolicited email about 'Mystery Shopping'. The correspondence back and forth can look very legit. THe js stands to earn good money, simply by 'shopping' at local stores and completing evaluations on the store. AND..the js will get paid up front!! (sound good so far?)

The instructions and a check arrive fed ex (occasionally, it will come in the mail..but this is rare as the scammers dont want to waste any time and give the js an opportunity to talk to others and learn they are being scammed.) The check is always for much more than the js stands to make, so the js is instructed to keep their pay plus any expenses and return the extra via western union or wire transfer. THIS IS THE SCAM. The check looks VERY legitimate..but they are ALWAYS fraudulent. Once the money is sent back, the js will be out when that check is returned. The checks sometimes take weeks to come back depending on how the scammer created the check. The js will be liable to the bank for all money lost.

Over the years I have seen MANY versions of this scam. People trying to sell their vehicles or other big ticket item, Bed and Breakfast owners, etc. The scammer offers to buy the item or service and sends MORE than needed to cover the purchase, then asks to have the extra sent back via western union or wire transfer. SELLER BEWARE!

Unfortunately for the job seekers and the sellers, usually they are tempted to take these offers because they really need the money and they end up in worse financial shape than they started.

If you ever receive a check (or know anyone who does)and are asked to send money back..(these scammers are tricky and will move onto a new twist when folks stop responding to this one)...ASK your credit union or bank teller if it sounds legitimate. They are trained to catch these scams and will help you with determining what to do.

The old saying is so true...If it sounds too good to be true, it probably is.

Stay financially safe! Dont let a seemingly good deal over-ride your better judgement.