Consumer Protection Fact Sheets

​​Our facts s​​heets are informational brochures on specific consumer protection-related topics. Each one is intended to be a starting point for helpful hints and answers to frequently asked questions. ​

Choose from the topics below:

Spanish Language Resources​ ​

Deceptive Advertising

Advertising has a great influence on our purhcasing decisions. We are exposed to countless commercial messages every day persuading us to buy brand name products, creating images for us to adopt, and convincing us that we need and want more. Because of this, it is important for us to carefully examine ads to determine exactly what they are saying.


Direct Marketing

Wisconsin has a direct marketing law to protect consumers in telephone, e-mail, fax, mail and door-to-door transactions. This includes sales made in motel and hotel rooms and other places away from the seller’s place of business.


Environmental Advertising

Many consumers look for products that produce little waste or are not harmful to the environment. Manufacturers and retailers have tried to meet this demand by improving and promoting the environmental qualities of their products. Products are often advertised as “recyclable,” “recycled” or “degradable.” Unfortunately, it is not always clear what these claims mean.


Junk Mail/Unwanted Calls

Do you feel overwhelmed by the flood of junk mail and telemarketing calls you receive? Experts estimate that Americans receive almost two million tons of junk mail every year, with the average person spending eight full months of his or her life just opening it. Telemarketing calls are time-consuming and irritating.


Price Comparison Advertising

Price comparison advertising is an important feature of today's competitive marketplace. At one time or another, virtually every seller of consumer goods or services makes use of price comparisons, in which current selling prices are compared to former or future prices to show price reductions or savings.


Price Gouging

​​​Information for consumers on Wisconsin's Price Gouging Law and how to file a complaint.


Prize Offers

Some prize offers and sweepstakes that come in the mail are scams. They use attention-getting gimmicks such as fancy certificates, official entry numbers or special envelopes in order to appear legitimate. No matter how they are packaged, these offers will cost you money.


Rebates

Manufacturer’s rebates are offered for everyday purchases like toothpaste and shampoo as well as large ticket items like furnaces or a new car. While the Bureau of Consumer Protection has received consumer complaints about rebates, rebating is a popular budget-saving technique when used properly.

Contracts

​​A contract is a legally-binding promise or agreement that is made between two or more people. Read through the entire contract, even the fine print, before signing. After you sign, if you do not hold up on your end of the bargain, the othe​r party to the contract can take action against you.


Elderly/Disabled Law

Wisconsin law provides additional punishment for those who take advantage of the elderly or disabled. This legislation allows courts to impose additional forfeitures of up to $10,000 for violations of consumer protection laws.


Filing a Consumer Complaint

If you have a problem with a business that you cannot resolve alone, consider filing a complaint with the Bureau of Consumer Protection. We accept complaints from Wisconsin consumers and from out-of-state consumers dealing with businesses in Wisconsin.


Ready Reference Guide

The Wisconsin Bureau of Consumer Protection publishes and updates a “Ready Reference Guide.” The guide includes more than 250 pages of useful consumer contacts. Examples include local, state, and federal agencies, Wisconsin district attorneys, and Better Business Bureau offices.


Small Claims Court

Does someone owe you money? Has your landlord failed to return your security deposit even though you did not damage the rental property? Did you pay for merchandise, but the store never delivered it and will not give a refund? You may want to consider bringing a lawsuit in small claims court. You may not need a lawyer and the rules are simpler than in most court proceedings.

Business Opportunities

Want to “be your own boss,” “work from home,” or just “make extra money?” Then you may be tempted by an advertisement for a business opportunity. Before you pay anything, check out the offer.


Chain Letters

Chain letters promise a big return on a small investment. It could be the promise of unprecedented good luck, recipes or huge financial rewards for a mere $5 investment. Do not waste your money! Chain letters are illegal and they do not work.


Fraud Against Business

​​​​Each year, small businesses are targets of fraudulent or deceptive sales practices. This packet offers tips to help protect your business and contains information about a number of issues including business opportunities, phony billing schemes, vanity publishing, charitable contribution pitches and more.


Internet Business Opportunities

​​​​Internet businesses sound like the perfect job: be your own boss, set your own hours and work from the comfort of your house. The truth is, like any business opportunity, it requires a large investment of time and money, and few succeed. There is no safe bet.


Invention Marketing

​​Do you have an idea for a product or service you are sure could bring you riches and fame if people knew about it? Hundreds of inventors and entrepreneurs introduce new ideas to the public each year. Some are highly succes​​sful; others are not. Knowing how to get started is an important first step toward reaching success.


Seminar Pitch

​Seminar hucksters say they will give you valuable information about how to invest successfully or operate a profitable business. Their “success stories” and testimonials seem to show that anyone who attends the seminar can make money from the investment and business program they are selling. Consumers who invest in these “opportunities” frequently find that the payoff is not as promised, and that they cannot recoup their money.


Wisconsin Do Not Call Registry: Frequently Asked Telemarketer Questions

DATCP registers telephone solicitors making a telephone solicitation to a residential customer in Wisconsin (Wis. Stat. § 100.52 and Wis. Adm. Code ch. ATCP 127, subch. V). A “telephone solicitation” means the unsolicited initiation of a telephone conversation or text message for the purpose of encouraging the recipient of the telephone call or text message to purchase property, goods or services. A “telephone solicitor” means a person, other than a nonprofit organization or an employee or contractor of a nonprofit organization, that employs or contracts with an individual to make a telephone solicitation.

Car Rentals and Collision Damage

Will you be renting a car during your next vacation or business trip? The nature of rental car liability insurance coverage has confused consumers for many years.

Leasing a Vehicle

Leasing is a way to obtain the use of a motor vehicle without actually purchasing it. Your rights and responsibilities, with respect to using the vehicle and making payments, are disclosed in the lease agreement. A lease agreement is complex, so be sure you understand the agreement before you sign it.


Liens

Construction and mechanic's liens are remedies created by statute to ensure payment to contractors, subcontractors, tradesmen, laborers or material suppliers who have improved the property of others. Two of the most common types of liens are home improvement liens and motor vehicle repair liens. These liens provide home improvement contractors with a security interest in the homeowner’s property and auto repair shops with a security interest in the car owner’s vehicle.


Motor Vehicle Care Tips

Keeping up with your car maintenance goes a long way in saving money and avoiding unexpected travel delays. Knowing how your vehicle works and how to identify common car problems will keep you on the road and out of the repair shop.


Motor Vehicle Repair Tips

The best way to avoid auto repair rip-offs is to be prepared. Knowing how your vehicle works and how to identify common car problems is a good beginning. It is also important to know how to select a good technician, the kinds of questions to ask, and your consumer rights.


Surplus Goods and Government Sales

"Government seized cars from $200!  Government foreclosed homes - buy for pennies on the dollar!" While these slogans catch your attention, most items in a surplus auction do not sell for these unbelievably low prices and terms. Government auction services sell goods at or below cost, or fair market value.

Charity Requests

If you are considering a request for a donation to a charity, do some research before you give. By finding out as much as you can about the charity, you can avoid fraudsters who try to ta​ke advantage of your generosity.


Law Enforcement Fundraisers

Most citizens hold law enforcement and public safety personnel in high regard and are willing to do what they can to support them, but solicitations, calls and mailings from groups claiming to have an affiliation with police or firefighters should be looked at carefully. These solicitations may have very little to do with local police or fire organizations. 

Child Online Privacy

As a parent, you have control of the personal information companies collect online from your children under the age of 13. The Children’s Online Privacy Protection Act gives you tools to do that. The Federal Trade Commission enforces the COPPA Rule. If a site or service is covered by COPPA, it must obtain your consent before collection personal information from your child and it must honor your choices about how that information is used.


Computer Disposal

Before donating, selling or discarding your old computer, remove all personal or private information from the hard drive to ensure that it does not become a treasure chest for identity thieves. If you don't properly remove the information, anyone with minimal skills and a basic software program can easily retrieve the data without your permission and do a lot of damage to your identity and your finances.


Creating Strong Passwords

Passwords are the first line of defense in protecting you against cyber criminals (hackers) while conducting online transactions (i.e. banking, paying bills, or making purchases). If hackers gain unauthorized access to your computer, they can view your personal information; impersonate you and send messages to your friends; change your password and block you from accessing your own account; steal your identity; or infect your files with viruses. Therefore, it is vital to pick strong passwords that are different for each of your accounts and to update your passwords regularly.


Imposter Scams

Beware! Imposters are everywhere! When the phone rings, do you know who is calling before you answer or who sent the mail you just opened? When at your computer or on your smart phone, do you know who sent the email in your inbox? Do you know who created that pop-up message on your screen? All of these methods and many more are being used by scammers who are not what they may seem to be.


Internet Business Opportunities

Internet businesses sound like the perfect job: be your own boss, set your own hours and work from the comfort of your house. The truth is, like any business opportunity, it requires a large investment of time and money, and few succeed. There is no safe bet.


Junk Mail/Unwanted Calls

Do you feel overwhelmed by the flood of junk mail and telemarketing calls you receive? Experts estimate that Americans receive almost two million tons of junk mail every year, with the average person spending eight full months of his or her life just opening it. Telemarketing calls are time-consuming and irritating.


Online Private Party Sale

A private internet sale involves a person offering to sell a product, good or service to another person on a website. To make sure the product you are buying is legitimate and priced appropriately, do some research. Make sure the product or service you are prepared to buy actually exists and is reasonably priced. Read the fine print of the product’s description so you know exactly what you are buying.


Online Safety for Children

For young children: your best approach is to sit with them anytime they are online. Join in on their digital activities, ask questions and learn with them as they grow. For tweens and teens: the most effective strategy is guidance, keep communication open and positive.


Phishing, Vishing, Smishing...

The term “Phishing,” was intentionally coined as a play on “fishing.” Fishing is exactly what the scam artists are doing – throwing you deceptive bait to see if you will bite and give up your personal information. Once they have that, scammers can make unauthorized charges to your bank account or credit card, or even open fraudulent accounts in your name.


Social Networking

Social networking websites are a place for internet users to come together. For example, Facebook, Twitter and Instagram are services people can use to connect with others to share information like photos, videos and personal messages. As the popularity of these social sites grows, so do the risks of using them.


Spam

"Spam" is annoying commercial electronic mail and text messages sent, often in bulk, to consumers without the consumer’s prior request or consent. The goal of spam is to catch your eye, promote "get rich quick" schemes and questionable products, or "phish" for personal information.


Telecommunications Laws

DATCP regulates business practices of the telecommunications industry – phone, cable, satellite and internet service for personal use, not business. State law prohibits unfair subscription and billing practices, including undisclosed charges, “cramming or packing”, “slamming” and “negative option” practices.


Text Spam - "Smishing"

With the growing popularity of texting, phishers are using it as another means to gather consumers' personal information. This is known as “smishing.” Text spam is particularly problematic as consumers often have to pay for the incoming messages, messages may have to be opened in order to be deleted, and texting back “stop” can invite more spam.


Wi-Fi Usage Tips

“Wi-Fi” is a radio wave-based technology that allows computers, smartphones, and other electronic devices to connect to the internet or to communicate with one another wirelessly. A number of coffee shops, libraries, airports, hospitals, hotels, fast food restaurants, and other businesses are using Wi-Fi to provide free public access points (or hotspots) that their customers can use to connect wirelessly to the internet. Accessing the internet using a public Wi-Fi hotspot is convenient and often free for mobile users, but hotspots typically are not secure.

College Financial Aid

With tuition bills skyrocketing and room and board costs going through the roof, students and their families are looking for creative ways to finance a college education. Unfortunately, in their efforts to pay the bills, many families fall prey to scholarship and financial aid scams.


Student Loan Debt Relief

Paying back student loans can be overwhelming. So-called student loan debt relief companies promise to defer, lower, consolidate, or eliminate federal student debt, but end up costing you more money and may not reduce your federal student loan debt at all.​

Business Opportunities

Want to “be your own boss,” “work from home,” or just “make extra money?” Then you may be tempted by an advertisement for a business opportunity. Before you pay anything, check out the offer.


Chain Letters

Chain letters promise a big return on a small investment. It could be the promise of unprecedented good luck, recipes or huge financial rewards for a mere $5 investment. Do not waste your money! Chain letters are illegal and they do not work.


Internet Business Opportunities

​​​​Internet businesses sound like the perfect job: be your own boss, set your own hours and work from the comfort of your house. The truth is, like any business opportunity, it requires a large investment of time and money, and few succeed. There is no safe bet.


Mystery Shopper Scams

Do you love to shop? If so, you may be tempted by unsolicited emails or newspaper ads that claim you can earn a living as a secret or mystery shopper by dining at elegant restaurants, shopping at expensive stores or checking into luxurious hotels. However, marketers who promise lucrative jobs as mystery shoppers often do not deliver on their promises.


Pyramid Schemes

Multi-level or “network” marketing plans are a way of selling goods or services through distributors. The plans typically promise that if you sign up as a distributor, you’ll receive commissions for your sales and those of the people you recruit to become distributors. Not all multi-level marketing plans are legitimate — some are actually pyramid schemes.


Seminar Pitch

​Seminar hucksters say they will give you valuable information about how to invest successfully or operate a profitable business. Their “success stories” and testimonials seem to show that anyone who attends the seminar can make money from the investment and business program they are selling. Consumers who invest in these “opportunities” frequently find that the payoff is not as promised and that they cannot recoup their money.


Work-At-Home

When money is tight, work-at-home opportunities can sound like just the thing to make ends meet. Some work-at-home ads even promise a refund if you do not succeed. But the reality is many of these jobs are scams.

Lodging

The lodging industry is becoming stricter with its reservation rules. Complaints are often the result of lack of disclosure or miscommunication between the business and the consumer. Ask questions when making reservations and request all your reservation information in writing.


Social Networking

Social networking websites are a place for internet users to come together. For example, Facebook, Twitter and Instagram are services people can use to connect with others to share information like photos, videos and personal messages. As the popularity of these social sites grows, so do the risks of using them.


Ticket Refunds

What happens when you purchase tickets to a theater performance, sporting event, or concert months in advance, only to later have the event canceled or rescheduled? Under Wisconsin law, consumers are protected from losing most prepaid admissions fees.

Child Care Safety

Cribs, high chairs, tot locks, gates and more.  To create a safe environment for young children, review the safety tips included in this list.


Child Online Privacy

As a parent, you have control of the personal​ information companies collect online from your children under the age of 13. The Children’s Online Privacy Protection Act gives you tools to do that. The Federal Trade Commission enforces the COPPA Rule. If a site or service is covered by COPPA, it must obtain your consent before collection personal information from your child and it must honor your choices about how that information is used.


Phone Scams Targeting Seniors

Consumers lose more than $40 billion a year to telemarketing fraud. Scam artists often target older people, knowing they tend to be trusting, polite toward strangers, are likely to be home, and are likely to have time to talk with callers.​


Social Networking

Social networking websites are a place for internet users to come together. For example, Facebook, Twitter and Instagram are services people can use to connect with others to share information like photos, videos and personal messages. As the popularity of these social sites grows, so do the risks of using them.


Toy Safety

Play is essential to a child’s development, but poorly designed or improperly used toys can cause injury or even death. By following some basic guidelines, parents can better ensure that playtime is fun, educational, and safe.


Door-To-Door Food Plans

DATCP has an alert about door-to-door meat salespeople and home food service plans. While some of these food companies provide a valuable service to their customers, a number of them have misled consumers and may sell food at two or three times the price found in local stores.


Weight Reduction Centers

When it comes to weight loss, there is no shortage of options. There are many diet programs to choose from – each claiming to have the perfect plan for slimming you down. Check weight reduction centers or online programs out carefully before you sign a contract or pay any money down, or you may lose money instead of pounds.

Bedding Labeling

Wisconsin is one of about 30 states with some type of bedding labeling law. Wisconsin law requires proper labeling of bedding-related products in order to distinguish between remanufactured bedding made of secondhand material and bedding products manufactured of new material.


Fitness Centers

There are many fitness center options out there, from expensive, all-inclusive clubs to sport-specialized gyms to bare-bones workout facilities.  When choosing a center, think through your workout goals and consider an all-purpose facility that may allow you to experiment with various classes and types of equipment.​


Medical Billing

If you have trouble understanding your medical bills, you are not alone. Many people are confused about the bills they receive from hospitals, clinics and medical professionals.


Medical Discount Plans

If you are looking for health insurance, make sure you know what you are buying. Dishonest marketers and telemarketers make it sound like they are selling an affordable health insurance plan when they are really selling a medical discount plan. Medical discount plans can be a way to save money on health care costs, but they are not health insurance and aren’t a substitute for it.


Medical Quackery

Sure-cures for medical problems, whether chronic or terminal, drain millions of dollars from consumers’ wallets each year. Today’s snake oil sellers try to convince you they have discovered new solutions to age-old problems. They use national advertising campaigns to deceptively sell “miracles” they cannot produce — potions and products for health, beauty, vitality and happiness.


Prescription Drug Assistance

Emails, ads and websites for companies that guarantee free or low-cost prescription drugs for a hefty fee upfront are scams. You are paying for information and applications that are available for free. And even if the company applies to legitimate programs on your behalf, you still may be turned down for the prescription assistance program.


Toy Safety

Play is essential to a child’s development, but poorly designed or improperly used toys can cause injury or even death. By following some basic guidelines, parents can better ensure that playtime is fun, educational, and safe.


Weight Reduction Centers

When it comes to weight loss, there is no shortage of options. There are many diet programs to choose from – each claiming to have the perfect plan for slimming you down. Check weight reduction centers or online programs out carefully before you sign a contract or pay any money down, or you may lose money instead of pounds.

Basement Waterproofing

A leaky basement is one of the most frustrating problems a homeowner can face. Water problems are often difficult and can be costly to correct, but expensive waterproofing is not always the answer. Services offered to some consumers have been ineffective or inadequate for the correction of basement water problems. Guarantees given by some contractors are vague and confusing.


Emergency Home Repair Tips

In an emergency situation, consumers needing home repairs are more vulnerable to scams. Here are some tips to prevent problems, based on past consumer complaints.​


Fair and Trade Show Exhibitors

Most consumers assume that when they attend trade shows, fairs or home improvement seminars that all the businesses are reputable. This can be a very expensive assumption. While many exhibitors are professional and reputable, there may be some who have little experience or skill, or some who intentionally look for potential victims to scam.


Generators

A generator may be able to save food in your refrigerator or freezer during a prolonged outage, let you keep your home office running, or power other essential equipment. Generators can be expensive and noisy. They can also pose serious safety hazards to you and to others, so please follow all safety instructions provided by the manufacturer.


Home Improvement Tips​

Most contractors involved in home improvements are honest, reliable and skilled, but some are not. Wisconsin's home improvement laws protect consumers contracting for improvements including basements, porches, landscaping, sidewalks, floor coverings, heating, air conditioning and more.


Home Improvement Transients

As sure as the summer brings tourists to Wisconsin, it also brings transient (temporary) home improvement workers and scams. These rip-off artists will probably hit your community. Transient contractors specialize in blacktopping driveways, installing lightning rods, painting, roofing and siding. Their work and materials are inferior and they are likely to steal from you.


Interstate Moving

​​As part of your move, a moving company should provide you with a written estimate, an order for service, a bill of lading and an inventory list. Never sign blank paperwork or documents that you do not understand.


Landlord/Tenant Guide

​More than 1.5 million Wisconsin residents live in rental housing.  It is important to both tenants and landlords that rules ensure that these rental transactions are conducted fairly. DATCP's Landlord/Tenant Guide answers commonly asked questions about landlord-tenant rights and responsibilities in simple language.  The Guide is intended to help landlords and tenants avoid common problems and resolve them when they do occur.


Liens

Construction and mechanic's liens are remedies created by statute to ensure payment to contractors, subcontractors, tradesmen, laborers or material suppliers who have improved the property of others. Two of the most common types of liens are home improvement liens and motor vehicle repair liens. These liens provide home improvement contractors with a security interest in the homeowner’s property and auto repair shops with a security interest in the car owner’s vehicle.


Manufactured Home Community

Many people have found that living in a manufactured home community suits their way of life. To ensure the wellbeing ​of these communities in Wisconsin, residents have rights and responsibilities.


Propane Consumer Tips

Propane prices are not regulated under Wisconsin law. In general, the contract between consumer and the retail marketer sets the terms of the agreement. It is in the consumer’s best interest to research options, ask questions, and get everything in writing.


Self-Service Storage

Do you need a place to store your things? A self-service storage facility may be the answer. But before renting, know that you, the lessee, are responsible for everything in your rental unit. This means that unless the rental agreement specifies otherwise, the owner of the facility is not liable under Wisconsin law for damage due to mold, mildew, pests, etc.


Solar Power Buying Tips

Solar photovoltaic (PV) system installations are increasing in residential areas. Solar energy is an environmentally friendly way to possibly save money on your home’s electric bills. While there are many reputable solar power installation firms and contractors, as solar power use increases so do scams. ​


Surplus Goods and Government Sales

"Government seized cars from $200!  Government foreclosed homes - buy for pennies on the dollar!" While these slogans catch your attention, most items in a surplus auction do not sell for these unbelievably low prices and terms. Government auction services sell goods at or below cost, or fair market value.


Tenants' Rights & Responsibilities

​​​​​As a tenant in Wisconsin, you have rights and responsibilities that cover a wide range of issues. To avoid problems, it is important to understand these rights and responsibilities.

Identity Theft/Privacy Protection Fact Sheets

DATCP's Bureau of Consumer Protection works with Wisconsinites to educate them on how to protect their identities. The Bureau has taught consumers, businesses and law enforcement agencies about identity theft and fraud prevention. We work with victims of identity theft, helping them take steps to reclaim their identity and restore their credit standing.

Bankruptcy

You want to get your money back for a product or service you were not satisfied with, but the company has gone bankrupt. What can you do?


Chain Letters

Chain letters promise a big return on a small investment. It could be the promise of unprecedented good luck, recipes or huge financial rewards for a mere $5 investment. Do not waste your money! Chain letters are illegal and they do not work.


Check Scams

There are many variations of the fake check scam. It could be someone offering to buy something you advertised, pay you to do work at home, or give you an “advance” on a sweepstakes you have supposedly won.  If you cash a fake check and transfer a portion to another party, you will be on the hook for the total amount cashed (plus any associated fees) when the bank discovers the forgery.


College Financial Aid

With tuition bills skyrocketing and room and board costs going through the roof, students and their families are looking for creative ways to finance a college education. Unfortunately, in their efforts to pay the bills, many families fall prey to scholarship and financial aid scams.


Credit Report Request Form

To obtain a free credit report from the three major credit bureaus, visit www.annualcreditreport.com, call (877) 322-8228, or download and complete the form linked above and submit it by mail (instructions are on the form).


Credit Report Security Freeze

Wisconsin consumers have the right to place a security freeze on their credit reports. Parents and legal guardians can also place a security freeze on the credit report of a child or other protected individual. A security freeze can help protect from identity theft.


Debit Scams

Fraudulent telemarketers have found yet another way to steal your money, this time from your checking account. A debit card is an electronic card issued by a bank which allows bank clients access to their checking account to withdraw cash or pay for goods and services. Consumers across the country are complaining about unauthorized debits from their checking accounts.


Foreign Money Scams

People in Wisconsin are being targeted to invest in complicated bank fraud schemes. These scams originate from all over the world – from places such as Nigeria, Switzerland, Canada and Jamaica to name a few.


Free Credit Reports

The Federal Fair Credit Reporting Act (FCRA) requires each nationwide consumer reporting company to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA also promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies.


Government Grant Scams

Grant pitches offering “money for nothing” are usually scams, whether you see them in your local paper or a national magazine, or hear about them on the phone. Grant scammers generally follow a script: they congratulate you on your eligibility, then ask for your checking account information so they can “deposit your grant directly into your account” or submit a one-time “processing fee.” You will never see the grant they promise — they will disappear with your money.


Identity Theft Consumer Tips

Any combination of basic personal details (name, address, birthdate, Social Security number, etc.) is all it takes for an identity thief to misuse your identity. Learn more about the basics of safeguarding your information.


Imposter Scams

Beware! Imposters are everywhere! When the phone rings, do you know who is calling before you answer or who sent the mail you just opened? When at your computer or on your smart phone, do you know who sent the email in your inbox? Do you know who created that pop-up message on your screen? All of these methods and many more are being used by scammers who are not what they may seem to be.


Investment Fraud

Whether you have a little money or a lot, you may be looking for ways to “put your money to work” and earn more. But your money could be lost if you get caught in an investment scam.


Law Enforcement Fundraisers

Most citizens hold law enforcement and public safety personnel in high regard and are willing to do what they can to support them, but solicitations, calls and mailings from groups claiming to have an affiliation with police or firefighters should be looked at carefully. These solicitations may have very little to do with local police or fire organizations.


Liens

Construction and mechanic's liens are remedies created by statute to ensure payment to contractors, subcontractors, tradesmen, laborers or material suppliers who have improved the property of others. Two of the most common types of liens are home improvement liens and motor vehicle repair liens. These liens provide home improvement contractors with a security interest in the homeowner’s property and auto repair shops with a security interest in the car owner’s vehicle.​


Money Scams

Two basics of money scams: 
1.) Wiring money is like sending cash; once it is sent, you cannot get it back. Con artists often insist that people wire money, especially overseas, because it is nearly impossible to reverse or track the money.

2.) Never agree to deposit a check from someone you do not know and then wire money back.


Mortgage Assistance Relief Scams

The possibility of losing your home to foreclosure can be terrifying. The reality that scam artists are preying on desperate homeowners is equally frightening. Some companies say they can change your loan to reduce your monthly mortgage payment or take other steps to save your home. Others claim that nearly all of their customers get successful results and even offer a money-back guarantee. Unfortunately, many companies use half-truths and even outright lies to sell their services.


Phishing, Vishing, Smishing...

The term “Phishing,” was intentionally coined as a play on “fishing.” Fishing is exactly what the scam artists are doing – throwing you deceptive bait to see if you will bite and give up your personal information. Once they have that, scammers can make unauthorized charges to your bank account or credit card, or even open fraudulent accounts in your name.


Prize Offers

Some prize offers and sweepstakes that come in the mail are scams. They use attention-getting gimmicks such as fancy certificates, official entry numbers or special envelopes in order to appear legitimate. No matter how they are packaged, these offers will cost you money.


Pyramid Schemes

Multi-level or “network” marketing plans are a way of selling goods or services through distributors. The plans typically promise that if you sign up as a distributor, you’ll receive commissions for your sales and those of the people you recruit to become distributors. Not all multi-level marketing plans are legitimate — some are actually pyramid schemes.


Robocalls

If you answer the phone and hear a recorded message instead of a live person, it is a robocall. Robocalls are annoying phone calls that come at all hours of the day or night. Robocalls use both a computerized autodialer and a computer-delivered pre-recorded message.


Student Loan Debt Relief

Paying back student loans can be overwhelming. So-called student loan debt relief companies promise to defer, lower, consolidate, or eliminate federal student debt, but end up costing you more money and may not reduce your federal student loan debt at all.​​



Tax Refund Loans

Promises of “Instant Refunds” and “Quick Money” might make you want to rush to your nearest tax preparation service to get your refund on the spot. Unfortunately, many of these fast “refunds” are actually loans called “refund anticipation loans” (RAL’s). When you receive a RAL, your tax preparer lends you the amount of your tax refund less the cost of interest and fees for the loan.


Ten Tips to Avoid Fraud

Crooks use clever schemes to defraud millions of people every year. They often combine new technology with old tricks to get people to send money or give out personal information. Here are some practical tips to help you stay a step ahead.


Text Spam - "Smishing"

With the growing popularity of texting, phishers are using it as another means to gather consumers' personal information. This is known as “smishing.” Text spam is particularly problematic as consumers often have to pay for the incoming messages, messages may have to be opened in order to be deleted, and texting back “stop” can invite more spam.

Consumer Guide

For Wisconsinites, DATCP's Consumer Guide (formerly the Senior Guide) has long been a trusted source of information on consumer issues and scams that the state’s elderly residents face. The Consumer Guide contains more than 50 pages of information to help Wisconsin seniors and their families through difficult consumer issues or to help them identify scams.


Elderly/Disabled Law

Wisconsin law provides additional punishment for those who take advantage of the elderly or disabled. This legislation allows courts to impose additional forfeitures of up to $10,000 for violations of consumer protection laws.​


Phone Scams Targeting Seniors

Consumers lose more than $40 billion a year to telemarketing fraud.  Scam artists often target older people, knowing they tend to be trusting, polite toward strangers, are likely to be home, and are likely to have time to talk with callers.

Basement Waterproofing

A leaky basement is one of the most frustrating problems a homeowner can face. Water problems are often difficult and can be costly to correct, but expensive waterproofing is not always the answer. Services offered to some consumers have been ineffective or inadequate for the correction of basement water problems. Guarantees given by some contractors are vague and confusing.


Dating Services

​​If you are looking for friendship or companionship, you may decide to seek the assistance of a dating service to meet other people. Check dating services carefully before yo​​u sign a contract or pay any money down.


Door-To-Door Food Plans

DATCP has an alert about door-to-door meat salespeople and home food service plans. While some of these food companies provide a valuable service to their customers, a number of them have misled consumers and may sell food at two or three times the price found in local stores.


Fitness Centers

There are many fitness center options out there, from expensive, all-inclusive clubs to sport-specialized gyms to bare-bones workout facilities.  When choosing a center, think through your workout goals and consider an all-purpose facility that may allow you to experiment with various classes and types of equipment.


Hiring a Locksmith

Regardless of whether you are locked out of your car or home, you need new locks installed, or you require other security work, there are some important tips to follow for hiring a reputable locksmith.


Home Improvement Tips & Right to Cure

Most contractors involved in home improvements are honest, reliable and skilled, but some are not. Wisconsin's home improvement laws protect consumers contracting for improvements including basements, porches, landscaping, sidewalks, floor coverings, heating, air conditioning and more.


Immigration Consultants

Immigration consultants specialize in assisting consumers with immigration law matters. They are not attorneys and are usually not supervised by attorneys. Because these laws are complicated, unscrupulous immigration consultants can take advantage of vulnerable immigrants.


Interstate Moving

​​As part of your move, a moving company should provide you with a written estimate, an order for service, a bill of lading and an inventory list. Never sign blank paperwork or documents that you do not understand.


Liens

Construction and mechanic's liens are remedies created by statute to ensure payment to contractors, subcontractors, tradesmen, laborers or material suppliers who have improved the property of others. Two of the most common types of liens are home improvement liens and motor vehicle repair liens. These liens provide home improvement contractors with a security interest in the homeowner’s property, and auto repair shops with a security interest in the car owner’s vehicle.


Propane Consumer Tips

Propane prices are not regulated under Wisconsin law. In general, the contract between consumer and the retail marketer sets the terms of the agreement. It is in the consumer’s best interest to research options, ask questions and get everything in writing.


Public Record Scams

​​Wisconsin’s Public Record Solicitation Law protects consumers from solicitations fo​​​r public records by requiring disclosures and limiting the amount of any fee being charged. The law makes it easier for Wisconsin consumers to identify these “official” or “governmental” looking mailings as sales solicitations, not official documents.


Repair Shops

Ever had a problem getting items like kitchen appliances, snow blowers, camera equipment, shoes or furniture fixed? If so, you are not alone. Many consumer complaints deal with unsatisfactory work, or misdiagnosis of the problem.  In Wisconsin, there are no specific laws that regulate repair shops. To avoid problems, consumers should do some homework first.


Self-Service Storage

Do you need a place to store your things? A self-service storage facility may be the answer. But before renting, know that you, the lessee, are responsible for everything in your rental unit. This means that unless the rental agreement specifies otherwise, the owner of the facility is not liable under Wisconsin law for damage due to mold, mildew, pests, etc.


Vanity Publishing

If dreams of poetic grandeur are leading you up the steps of a vanity publishing house, stop and make sure you know what is inside. Vanity, or subsidy, publishers catch unsuspecting authors off guard with glorified ads in newspapers and magazines that promise huge profits. These companies publish almost anything they receive because they know their profit is assured...the authors take all the monetary risks.


Warehouse Storage

When storing your property, including boats, pontoons, RV’s and motorcycles, protection from theft or damage should be your primary concern. Consumers should ask storage operators if they are licensed by DATCP as Public Warehouse Keepers. Most dealerships and marinas are licensed and permits are prominently posted. Outdoor storage areas and a farmer’s barn may also be required to be licensed.


Wedding Catastrophes

Weddings are supposed to be happy events. However, if you do not plan carefully, your happy event can become a catastrophe. Some keys to helping avoid wedding catastrophes are to plan ahead, deal with reputable businesses, get everything in writing, and understand what happens if you cancel services.


Weight Reduction Centers

When it comes to weight loss, there is no shortage of options. There are many diet programs to choose from – each claiming to have the perfect plan for slimming you down. Check weight reduction centers or online programs out carefully before you sign a contract or pay any money down, or you may lose money instead of pounds.

Bedding Labeling

Wisconsin is one of about 30 states with some type of bedding labeling law. Wisconsin law requires proper labeling of bedding-related products in order to distinguish between remanufactured bedding made of secondhand material and bedding products manufactured of new material.


Brushing Scams

Have you received a package containing merchandise you didn't order?  Perhaps you received a bracelet, sunglasses, or maybe empty packages arrive at your home every few days.  These deliveries are likely part of a “brushing" scam.   ​


Buying Clubs

Buying clubs attract consumers by advertising that members can buy goods at wholesale prices or at reduced rates from the manufacturer’s suggested list price. Members are usually required to pay a membership fee (and in some cases, an initiation fee) to join, which may range from a nominal price to hundreds of dollars.


Deceptive Advertising

Advertising has a great influence on our purchasing decisions. We are exposed to countless commercial messages every day persuading us to buy brand name products, creating images for us to adopt, and convincing us that we need and want more. Because of this, it is important for us to carefully examine ads to determine exactly what they are saying.


Direct Marketing

Wisconsin has a direct marketing law to protect consumers in telephone, e-mail, fax, mail and door-to-door transactions. This includes sales made in motel and hotel rooms and other places away from the seller’s place of business.


Fair and Trade Show Exhibitors

Most consumers assume that when they attend trade shows, fairs or home improvement seminars that all the businesses are reputable. This can be a very expensive assumption. While many exhibitors are professional and reputable, there may be some who have little experience or skill, or some who intentionally look for potential victims to scam.


Gift Cards

Gift cards are the modern day replacement of gift certificates. A gift card usually resembles a credit card and may display a specific theme. Some gift cards can be reloaded and used multiple times. Although Wisconsin does not regulate the sale of gift cards, the federal government does.


In-Home Sales Parties

​​​In-home sales parties continue to grow in popularity. They vary from product to product and each company targets different ages and interests. These events can be a great opportunity to catch up with old friends and meet new ones, but there are things you should be aware of if you plan on attending or hosting an in-home sales party.


Junk Mail/Unwanted Calls

Do you feel overwhelmed by the flood of junk mail and telemarketing calls you receive? Experts estimate that Americans receive almost two million tons of junk mail every year, with the average person spending eight full months of his or her life just opening it. Telemarketing calls are time-consuming and irritating.


Magazine Sales

​​Thousands of consumers buy magazine subscriptions from legitimate sellers every year. Unfortunately, many consumers report problems related to magazine purchases, ranging from unfair selling practices to billing errors to scams.


Mail Order/Unordered Merchandise

​​The Wisconsin Mail Order Law helps consumers deal with a major mail order problem: failure to promptly deliver prepaid merchandise. The law covers any personal order where the seller solicits and accepts payment without any face-to-face contact.


Money Scams

Two basics of money scams: 
1.) Wiring money is like sending cash; once it is sent, you cannot get it back. Con artists often insist that people wire money, especially overseas, because it is nearly impossible to reverse or track the money.
2.) Never agree to deposit a check from someone you do not know and then wire money back.


Mystery Shopper Scams

Do you love to shop? If so, you may be tempted by unsolicited emails or newspaper ads that claim you can earn a living as a secret or mystery shopper by dining at elegant restaurants, shopping at expensive stores or checking into luxurious hotels. However, marketers who promise lucrative jobs as mystery shoppers often do not deliver on their promises.


Negative Option Plans

​​​​A negative option is a marketing plan that basically states, “We will keep sending you our product or providing you with our service until you tell us to stop.” With a negative option plan, it is the responsibility of the consumer, not the seller, to cancel a contract or order.


Online Private Party Sale

A private internet sale involves a person offering to sell a product, good or service to another person on a website. To make sure the product you are buying is legitimate and priced appropriately, do some research. Make sure the product or service you are prepared to buy actually exists and is reasonably priced. Read the fine print of the product’s description so you know exactly what you are buying.


Price Gouging

​​​Information for consumers on Wisconsin's Price Gouging Law and how to file a complaint.​


Rebates

Manufacturer’s rebates are offered for everyday purchases like toothpaste and shampoo as well as large ticket items like furnaces or a new car. While the Bureau of Consumer Protection has received many consumer complaints about rebates, rebating is a popular budget-saving technique when used properly.


Rent-To-Own

Are you thinking of buying a new TV, refrigerator, couch or other “big-ticket” item? You may be considering the rent-to-own option. Rent-to-own ads are very inviting with low weekly or monthly payments, no credit checks and no down payments. DATCP urges consumers to first call the company to see what kind of terms are offered, then compare those terms to other options.


Return/Refund Policy

Misunderstandings about refund policies are common. Many problems could be prevented if consumers had a clear understanding of a business’ policy before paying a deposit or making a purchase. When evaluating a store’s return policy, ask for it in writing — do not just take the word of an employee.


Safe Online Shopping Tips

Online shopping presents an opportunity for consumers to purchase practically anything quickly and conveniently. The internet has many fake ads, fraudulent websites, and scammers trying to take your money and give you nothing in return. Consumers can have a safe online shopping experience, as long as they protect themselves​.


Shopping Tips

Sales, refunds/returns, credit cards, loan offers, layaway, e-commerce and more — DATCP has one fact sheet to address all things shopping.


Surplus Goods and Government Sales

"Government seized cars from $200!  Government foreclosed homes - buy for pennies on the dollar!" While these slogans catch your attention, most items in a surplus auction do not sell for these unbelievably low prices and terms. Government auction services sell goods at or below cost, or fair market value.​


Warranties

Many consumers ask what the difference is between a “warranty” and a “guarantee.” There is no difference between the terms, but there can be a big difference between the warranties of two similar products manufactured by different firms.

Cable/Satellite TV Subscriber Rights

Signing up for cable or satellite TV service can be confusing – you should know your rights as a subscriber.


Cell Phones

Cellular telephones are a source of convenience and safety. They are also evolving into versatile, powerful devices that can make life easier, but not without costs and potential risks. Get all the facts about a cellular phone and the service contract that comes with it before signing anything.


Cramming and Slamming

Cramming is the illegal act of placing unauthorized charges on your wireline, wireless or bundled services telephone bill. "Slamming" is the illegal practice of switching a consumer's traditional wireline telephone company for local, local toll, or long distance service without permission.


International Phone Number Scam

Be cautious when calling an unfamiliar telephone number – it could be a costly international telephone call. Consumers are lured into calling international telephone numbers through ads and other promotions. You could end up with a hefty phone bill if you call an international telephone number because each country sets its own telephone rates and there is no limit to the per-minute charge.


Spam

"Spam" is annoying commercial electronic mail and text messages sent, often in bulk, to consumers without the consumer’s prior request or consent. The goal of spam is to catch your eye, promote "get rich quick" schemes and questionable products, or "phish" for personal information.


Telecommunications Laws

DATCP regulates business practices of the telecommunications industry – phone, cable, satellite and internet service for personal use, not business. State law prohibits unfair subscription and billing practices, including undisclosed charges, “cramming or packing”, “slamming” and “negative option” practices.


Text Spam - "Smishing"

With the growing popularity of texting, phishers are using it as another means to gather consumers' personal information. This is known as “smishing.” Text spam is particularly problematic as consumers often have to pay for the incoming messages, messages may have to be opened in order to be deleted, and texting back “stop” can invite more spam.

Direct Marketing

Wisconsin has a direct marketing law to protect consumers in telephone, e-mail, fax, mail and door-to-door transactions. This includes sales made in motel and hotel rooms and other places away from the seller’s place of business.


Imposter Scams

Beware! Imposters are everywhere! When the phone rings, do you know who is calling before you answer or who sent the mail you just opened? When at your computer or on your smart phone, do you know who sent the email in your inbox? Do you know who created that pop-up message on your screen? All of these methods and many more are being used by scammers who are not what they may seem to be.


Junk Mail/Unwanted Calls

Do you feel overwhelmed by the flood of junk mail and telemarketing calls you receive? Experts estimate that Americans receive almost two million tons of junk mail every year, with the average person spending eight full months of his or her life just opening it. Telemarketing calls are time-consuming and irritating.


Phishing, Vishing, Smishing...

The term “Phishing,” was intentionally coined as a play on “fishing.” Fishing is exactly what the scam artists are doing – throwing you deceptive bait to see if you will bite and give up your personal information. Once they have that, scammers can make unauthorized charges to your bank account or credit card, or even open fraudulent accounts in your name.


Phone Scams Targeting Seniors

Consumers lose more than $40 billion a year to telemarketing fraud.  Scam artists often target older people, knowing they tend to be trusting, polite toward strangers, are likely to be home, and are likely to have time to talk with callers.


Robocalls

If you answer the phone and hear a recorded message instead of a live person, it is a robocall. Robocalls are annoying phone calls that come at all hours of the day or night. Robocalls use both a computerized autodialer and a computer-delivered pre-recorded message.


Stop Telemarketers

​​​​The telephone rings or you get a text notification on your cell phone interrupting your dinner, your favorite TV program, your nap. You rush to answer and – it is a telemarketer! Tired of these interruptions? Sign up on the Wisconsin Do Not Call Registry. It is a free service available to residential landline and mobile telephone customers in Wisconsin.


Telemarketing

Telemarketers may call or text only between 8 a.m. and 9 p.m. They must tell you that they are selling something – and who is doing the selling – before they make their pitch. You can stop unwanted calls and texts from telemarketers by telling them not to call back. If they do, they are breaking the law. Report them to the Bureau of Consumer Protection.


Top Telemarketing Tips

Telemarketers, whether legitimate or fraudulent, have been an issue for consumers for years. Unethical telemarketers call every day trying to sell you something, get your personal information, charge your credit card or take your money. Protect yourself by understanding how they get your phone number and learning ways to keep from accidentally giving out your personal information.


Text Spam - "Smishing"

With the growing popularity of texting, phishers are using it as another means to gather consumers' personal information. This is known as “smishing.” Text spam is particularly problematic as consumers often have to pay for the incoming messages, messages may have to be opened in order to be deleted, and texting back “stop” can invite more spam.


Wisconsin Do Not Call Registry: Frequently Asked Consumer Questions

The Wisconsin Do Not Call Registry gives you an opportunity to limit the telemarketing calls you receive. Once you register your home or cell phone number, telemarketers covered by the Registry have up to 31 days from the date you register to stop calling you. Any business – whether located inside or outside of Wisconsin – soliciting Wisconsin residents by telephone call or text message, must obtain a copy of the registry and delete the consumers’ names from its own calling list.

Car Rental and Collision Damage

Will you be renting a car during your next vacation or business trip? The nature of rental car liability insurance coverage has confused consumers for many years.


Lodging

The lodging industry is becoming stricter with its reservation rules. Complaints are often the result of lack of disclosure or miscommunication between the business and the consumer. Ask questions when making reservations and request all your reservation information in writing.


Timeshares & Resellers

Planning your next vacation? Perhaps timesharing – the use of a vacation home or campground for a limited, preplanned time – is on your list of options. Timesharing may be a popular way to take a vacation, but problems can occur.


Travel Tips

Whether you are off to see the sights, ski the slopes, or sunbathe on the sand, it pays to be an informed travel shopper. The Bureau of Consumer Protection offers a number of valuable tips to help you avoid vacation frustration.


Vacation Protection Tips

Planning your next vacation? Perhaps timesharing – the use of a vacation home or campground for a limited, preplanned time – is on your list of options. Timesharing may be a popular way to take a vacation, but problems can occur.

​Federal Trade Commission Business Resources


Fraud Against Business

​​​​Each year, small businesses are targets of fraudulent or deceptive sales practices. This packet offers tips to help protect your business and contains information about a number of issues including business opportunities, phony billing schemes, vanity publishing, charitable contribution pitches and more.


Pawnbroker Application Forms

Download as PDF     Download as Word


Pawnbroker Property Transaction Record

Download as PDF     Download as Word


Telephone Solicitor Registration Packet

DATCP registers telephone solicitors who initiate a telephone conversation or text message to Wisconsin residents for the purpose of encouraging the recipient of the telephone call or text message to purchase property, goods or services. A telephone solicitor is a person or business, other than a nonprofit organization, that employs or contracts with an individual to make a telephone solicitation. The registration year begins December 1 and ends November 30. To register, complete the application online through the DATCP website, or complete a registration form in the PDF packet below. A registration form is included in the PDF packet.​

2022-2023 Telephone Solicitor Registration Packet