Looking for a deal? How about this hot site offering prizes like an iPad for $39.99?deals-r-us

Or, having trouble paying your mortgage? How about a loan modification. The ModExperts offer a guaranteed loan modification.

While I’m always looking for deals, I can assure you these are not deals. They’re scams setup by the Massachusetts Office of Consumer Affairs and Business Regulation to teach you how to spot a fake.  When you click on the offer, you’re directed to a site alerting you that you just fell for a scam site.

Fake sites have cost Americans millions of dollars. Often consumers fall for the so-called “free trial” offers thinking the deal won’t cost them anything. Sometimes, the clock on the “free trial” period starts ticking before your package is shipped making it impossible to cancel in time without being charged.

If you see a price or promise that seems too good to be true, it probably is too good to be true. You’re not going to buy a several hundred dollar iPad for just $39.99 no matter how good a deal site you find. It’s simply too good to be true. Check out the company’s return policy to find out if you can get your money back if there’s a problem.

Finally, use a credit card to pay for your purchase. If there is a problem with the product or service, you will gain added protections.