Make sure your toll-free call is really toll free. Although 800 and 888 numbers start out at no charge, pay attention to the recorded instructions, because the call might be changed to a toll call. If you don't want to be charged, hang up before charges start. Watch out for phony or unscrupulous charitable solicitations , especially by telephone. Ask for information in writing before committing to a donation and before you give out your credit card information.
Many phony charities have names that sound like legitimate ones, so be careful.
Check out the charity before you give. Watch out for solicitors especially telephone solicitors asking for money for those groups. Many times the money goes in the pockets of the solicitors instead. Debt collectors cannot harass you or call you at work if you tell them that such calls are not permitted. If you contest the debt, do so in writing to the debt collector and the debtor.