As a result of the economic challenges across the nation that continually impact the lives of many, the Federal Trade Commission (FTC) has witnessed a spike in the number of fraudulent acts and fraud cases. Oftentimes, those who fall prey to these scams (the elderly and the poor) find that these acts cause undue stress to their health.

A growing number of victims of fraud, get-quick-rich- scams, and other identity theft actions are those consumers who are over their heads in debt, and even people making a major purchase like a car or home.

The FTC, the nation's consumer protection agency, and the National Coalition of Pastors' Spouses have joined forces to provide clear, actionable information to the thousands in our community to aid them in making good decisions during these financially unsettling times.

FTC publications explain your consumer rights, such as how to order a free credit report, deal with the threat of foreclosure, avoid telemarketing or online scams, or report identity theft. All of the information from the FTC is in the public domain, so you can reprint or adapt it, post it, or link to www.ftc.gov/consumer to educate vulnerable people.

The FTC's information is free and specifically designed to help congregants learn about critical day-to-day financial issues. To order free publications in bulk, visit: www.ftc.gov/bulkorder, call 1-877-FTC-HELP for single copies, or download them from www.ftc.gov/consumer.