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The AFP suggests that you treat phishing emails as spam delete them without opening.

ADAMS, an attorney, and university law professor, with orchestrating an [...]A loan modification may be a restructuring of your mortgage during which you and your investor conform to modify the terms of your loan.

The term 'online fraud' refers to any type of fraud scheme that uses email, web sites, chat rooms or message boards to present fraudulent solicitations to prospective victims, to conduct fraudulent transactions or to transmit the proceeds of fraud to financial institutions or to others connected with the scheme.

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