Sometimes when you're desperate, the right job just falls into your lap, and if you're really desperate, you may not realize you're being suckered into an international money-laundering scam.
I lost my teaching job this year because of county-wide budget cuts, which has put a severe financial strain on my family while I look for something to pay the bills until a permanent teaching job opens up. There aren't a lot of places where a BA in Creative Writing gets you more than minimum wage, so when I saw an ad for English teachers on Craigslist.org, I jumped at it.
Reply to: amfrank007@yahoo.com
Date: 2008-08-27, 11:26PM EDT
I need a good and reliable English Tutor for my Kids....Attracts Great salary and benefits...Send your resume.
Adalberto Martinez Frank
In a flash, my resume was on its way to Mr. Adalberto Frank, and within 24 hours, I received a response that made my poor, unemployed heart flutter.
Hello [real name censored] ,
Good to hear from you and sorry for the late response, I have been busy with work and family at the same time .I acknowledge receiving your application and your resume which is very impressive. Please be informed that you are among the three people shortlisted for the teaching job.
Note: The teaching lesson will take place in my residence and here is the address where we will be living in the US and We will be arriving precisely by September 9th
6500 International Drive
Orlando, FL 32819
My childrens' name are John and Prisilia (A boy and a girl). We are originally from Spain but right now in the UK, my children speak little of the English language and i want my children to be tutored together for 6hrs to 10hrs per week. My children always get along together and they are very active. I can offer $30 per hour for both children because i want the best to prepare them to start school at fall.
I want you to reply me with the following details below 1. The days in the week you will be available to teach the children and numbers of hours per day starting from september 10. The children are available to be tutored any time and any day during the weekdays and weekends. 2. Your suitable charges per hour for both children if $30 if not suitable for you. Also your total charges per week because i will like to make payment weekly 3. The total cost of gas/transportation to my residence per week.
Regards
Adalberto Frank
Maybe I should have been suspicious that he found my resume so impressive. I'd only taught high school English for a single year, after all, and from what he was saying, he needed someone with ESOL (English as a Second Language) teaching experience. But the money was too good to pass up. $30/hour was more than I'd made during my teaching year. I couldn't softball how much it was going to cost to drive to Orlando, otherwise it would end up costing me more in gas to tutor the kids than I was being paid, so I sent back a lengthy reply, hoping that my transportation costs didn't bump me right off the short list. I mean, he could easily find someone in Orlando with at least as much teaching experience as me, right? And why was he looking for English teachers in Tampa anyway if he was moving to Orlando? I didn't dwell on these questions for very long because the prospect of a paying job was intoxicating. It didn't matter if it meant two hours of daily commute for the sum total of $300 dollars a week.
He replied briskly and apologized for the imperceptible delay in communication. Apparently, his father in Spain was very ill and that was occupying much of his time while he made preparations for the move. Then, he gave me the good news:
This is to notify you that you have been given a provisional appointment to be the English teacher for my children. You are selected based on your experience and passion to teach children.
A little background check was done on you this was to ensure that the data provided is accurate and that you have impeccable criminal-free record. (This is necessary because you are coming to be teaching in my apartment).
We will be arriving precisely by Sept.9th and the lesson begins on Sept 10th.
Here is our agreement:
1.Teaching for 10hrs/week.
2. That i will be paying you $540/week including Transportation as I prefer to pay weekly.
3. That you will tutor my children for 10hrs/ weeks for about 4weeks or more independing on catchups.Please confirm this agreement and let me know ASAP so i can arrange our commitment fee....
Frank Adalberto
Not only was he going to pay my travel expenses, he was going to pay me an extra $140 a week. I was floored. I had no idea what a commitment fee was, but I promptly agreed and ignored the fact that Mr. Adalberto Frank was now Mr. Frank Adalberto. He was foreign and wanted to pay me over two grand a month to teach his kids English. The commitment fee sounded like something I wasn't going to like, and I was prepared to turn the whole thing down if he wanted me pay some sort of nonsense fee just for the privilege of teaching his kids, but it turned out that he was the one paying the fee, which meant that I would be receiving a check in the mail for my first two weeks before I even met the guy and his kids. It sounded too good to be true, but he was the one paying, so there was no risk to me at all.
This is how I almost got suckered in. Frank, with his sick father and two young kids who needed a tutor, sounded incredibly convincing. His emails were frequent, his responses brief but direct. These weren't some spambot-generated, rote responses. I was talking to a real human being, so I didn't even think twice when he emailed me to say there'd been a mixup and the fee for the moving company was included in the amount his client paid me. Not to worry, he said, just cash the check and he'd let me know where to send the moving company's payment.
It's called an overpayment scam. According to the FBI agent I spoke to, the scheme is based overseas, with middlemen in the US to handle the checks. They offer you an advance on what you're supposed to be paid, then mistakenly send you a check for too much, usually double the correct amount. You cash the check and send it back to them via Western Union, and by the time your bank discovers that the check didn't clear, you're out of luck. The phony check gets cashed against your account, so it's your account that the bank will drain to cover the expense.
Once I realized this might be a scam, I did a search on the email address posted with the ad and was surprised to discover identical ads posted on
lasvegas.craigslist.org and
catholicjobs.com. Both were from
amfrank007@yahoo.com and the Adalberto family, which meant that this was either a scam or three entirely different Adalberto families would be needing English tutors in San Francisco, Las Vegas, and Tampa. The very nice lady I spoke to at the FBI told me this was unlikely.
English tutors are not the only people at risk from these kinds of scams. I've seen postings from Math tutors, Spanish tutors -- and all of them answered similar ads from people who weren't always as convincing as Mr. Frank/Mr. Adalberto. But all of them eventually sent checks and all of them encountered similar mishaps that resulted in the overpayment of the would-be tutors. Right now it's tutors who are being targeted, but this sort of scheme is very easy to run on anyone who is happy to receive a fat advance and who is good-natured enough to return any money they weren't due.
If it sounds too good to be true, it probably is. And if they're willing to pay you before they see you work, no matter how qualified you think you are or how much you're accustomed to getting, don't cash that check if it's for more than you're supposed to be paid. Just forward the information and the check to the FBI email fraud unit.
Original source: http://www.debthelp.tv/personaldebt/2008/09/how-to-get-paid-and-go-broke-without.htm
