{"id":12027,"date":"2020-07-19T07:03:43","date_gmt":"2020-07-19T12:03:43","guid":{"rendered":"https:\/\/legaltalktexas.hammerle.com\/?p=12027"},"modified":"2025-06-18T17:22:09","modified_gmt":"2025-06-18T22:22:09","slug":"covic-19-robocalls-and-life-insurance-scams","status":"publish","type":"post","link":"https:\/\/hammerle.com\/legaltalk\/legal-talk\/covic-19-robocalls-and-life-insurance-scams\/","title":{"rendered":"Covid-19 Scams, Robocalls and Life Insurance &#8211; Important Stuff to Know"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Scammers seem to flourish wherever there is suffering and panic.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Not surprisingly, the Coronavirus has brought them out like flies to a rotting carcass. The most popular new swindles involve imposter scams and money mule schemes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Imposter scams occur when a criminal poses as an official from the IRS, CDC, WHO, nonprofit or healthcare provider and solicits money or valuable information. One tactic involves the imposter contacting the victim via phone or email demanding personal and financial information as part of \u201cCOVID-19 contact tracing\u201d efforts. Another scam has the imposter demanding that the victim give bank account information so that government stimulus payments can be deposited in the account. Yet another is a phishing scheme, where the email or text appears to come from a legitimate source like the IRS and includes a \u201cnotice\u201d that is actually a virus-laden attachment or link.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Red flags include requests for money via gift card or prepaid card, sending a bogus check or prepaid debit card with instructions to contact the government agency with financial information to obtain more money, unsolicited communications, and email addresses with an unexpected domain \u2013 such as .com instead of .gov &#8211; for a supposed government email.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A \u201cmoney mule\u201d is a person who deposits illegally acquired money. These schemes are often packaged as good-Samaritan, romance or work-at home deals. They are especially dangerous because the victim becomes part of a criminal enterprise with the scammer. A red flag is a schemer\u2019s request that the victim deposit money and then move all or some of the money elsewhere. Unlike in an imposter scam where the victim just loses money, the victim in a money mule scheme could end up convicted of a federal crime.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While we are on the topic of unsolicited phone calls, take a look at the Supreme Court\u2019s decision on robocalls in Barr v. American Association of Political Consultants (the \u201cAAPC\u201d). It was a huge loss for the winning party and a huge win for the consumer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There were two laws in play: a <a href=\"https:\/\/www.fcc.gov\/general\/telemarketing-and-robocalls\">1991 law that prohibited robocalls<\/a> and a <a href=\"https:\/\/www.supremecourt.gov\/opinions\/19pdf\/19-631_2d93.pdf\">2015 law that carved out an exception for government debt collection<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The AAPC, who wanted to make political robocalls, complained that the 1991 law was a violation of free speech because, thanks to the 2015 law, only the government was allowed to make robocalls. The AAPC wanted the entire 1991 law prohibiting the robocalls tossed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Supreme Court agreed that the law was not fair but it did not buy the AAPC\u2019s proposed remedy. Instead, it simply tossed out the 2015 law. As a result, all robocalls, even those by political parties, are illegal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pretty sure that is not going to stop robocalls, but at least everyone now recognizes they are illegal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now for <a href=\"https:\/\/hammerle.com\/legaltalk\/estate-planning-and-probate\/estate-planning-lessons-learned-from-coronavirus\/\">the estate planning strategy<\/a>. Life insurance proceeds that have not been pledged as collateral are exempt from the insured\u2019s creditors, even if they end up in the insured\u2019s probate estate. This makes life insurance an excellent vehicle to leave an inheritance or equalize an estate among beneficiaries. When you review your <a href=\"https:\/\/hammerle.com\/legaltalk\/elder-law\/handling-estate-planning-documents-who-gets-what-and-when\/\">estate planning documents<\/a> (you do have <a href=\"https:\/\/hammerle.com\/legaltalk\/elder-law\/what-happens-if-original-will-is-lost\/\">a current will<\/a> and <a href=\"https:\/\/hammerle.com\/legaltalk\/estate-planning-and-probate\/what-is-a-durable-power-of-attorney\/\">powers of attorney<\/a>, right?) keep that in mind.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\"><a href=\"https:\/\/hammerle.com\/lawyers\/virginia-hammerle\/\">Virginia Hammerle<\/a> is a Texas attorney whose practice includes <a href=\"https:\/\/hammerle.com\/practice-areas\/estate-planning-probate\/estate-planning\/\">estate planning<\/a>, <a href=\"https:\/\/hammerle.com\/practice-areas\/elder-law\/guardianship\/\">guardianship<\/a> and <a href=\"https:\/\/hammerle.com\/practice-areas\/estate-planning-probate\/probate\/\">probate<\/a>. Sign up for her newsletter at <\/span><\/i><a href=\"mailto:legaltalk@hammerle.com\"><span style=\"font-weight: 400;\">legaltalk@hammerle.com<\/span><\/a><i><span style=\"font-weight: 400;\">. Contact Hammerle Morris Law Firm to <a href=\"https:\/\/hammerle.com\/lewisville-attorney\/\">schedule a consultation at hammerle.com<\/a>.\u00a0<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">This column does not constitute legal advice.<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Scammers seem to flourish wherever there is suffering and panic. Not surprisingly, the Coronavirus has brought them out like flies to a rotting carcass. The most popular new swindles involve imposter scams and money mule schemes. Imposter scams occur when a criminal poses as an official from the IRS, CDC, WHO, nonprofit or healthcare provider [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":12029,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[21,28,42],"tags":[1094,18],"class_list":{"0":"post-12027","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-legal-talk","8":"category-real-estate","9":"category-wills-trusts","10":"tag-covid-19","11":"tag-featured"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Covid-19 Scams, Robocalls and Life Insurance - Important Stuff to Know - Hammerle Morris Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hammerle.com\/legaltalk\/legal-talk\/covic-19-robocalls-and-life-insurance-scams\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Covid-19 Scams, Robocalls and Life Insurance - Important Stuff to Know - Hammerle Morris Law Firm\" \/>\n<meta property=\"og:description\" content=\"Scammers seem to flourish wherever there is suffering and panic. Not surprisingly, the Coronavirus has brought them out like flies to a rotting carcass. The most popular new swindles involve imposter scams and money mule schemes. Imposter scams occur when a criminal poses as an official from the IRS, CDC, WHO, nonprofit or healthcare provider [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/hammerle.com\/legaltalk\/legal-talk\/covic-19-robocalls-and-life-insurance-scams\/\" \/>\n<meta property=\"og:site_name\" content=\"Hammerle Morris Law Firm\" \/>\n<meta property=\"article:published_time\" content=\"2020-07-19T12:03:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-18T22:22:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/hammerle.com\/legaltalk\/wp-content\/uploads\/sites\/2\/2020\/07\/Covid-19-Scams-Robocalls-and-Life-Insurance-Important-Stuff-to-Know-by-Hammerle-Finley-Law-Firm-in-Lewisville-TX.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Virginia Hammerle\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Virginia Hammerle\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/hammerle.com\\\/legaltalk\\\/legal-talk\\\/covic-19-robocalls-and-life-insurance-scams\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/hammerle.com\\\/legaltalk\\\/legal-talk\\\/covic-19-robocalls-and-life-insurance-scams\\\/\"},\"author\":{\"name\":\"Virginia Hammerle\",\"@id\":\"https:\\\/\\\/hammerle.com\\\/legaltalk\\\/#\\\/schema\\\/person\\\/3a35dce360aad1cd9da53574c3c1a6bd\"},\"headline\":\"Covid-19 Scams, Robocalls and Life Insurance &#8211; 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