Small Business Flood Relief Resources and Action Steps

Small Business Flood Relief Resources and Action Steps graphic.

On behalf of the entire Vermont Attorney General’s Office, our thoughts are with those affected by this summer’s flooding.

As businesses rebuild what was lost and purchase new items after the floods, we urge businesses with concerns to reach out to the Attorney General’s Consumer Assistance Program (CAP) for help. Vermont businesses are covered by our state’s consumer protection law and CAP is a helpful resource available to businesses. CAP’s Small Business Advocate can assist businesses with any questions relating to consumer purchases and consumer complaint mediation.

Our office has created a list of resources and action steps for businesses that have been impacted by the flood.

First and foremost, businesses must document everything. Take pictures and write down all actions you are taking. This step will be integral in applying for relief and insurance claims down the road. If you have not already, report your damage and unmet needs to the designated Vermont 2-1-1 Flood Damage-Business Form. 2-1-1 is currently cataloging damage and identifying areas and locations that need assistance.

Making Repairs to your Business:

Below are a few tips to follow before making changes to your business as you repair and rebuild what was damaged in the flood.

  1. Contact your insurance company as soon as possible and do not make any permanent changes to your business until you get approval from your insurance company.
  2. Beware of dubious contractors that may appear with promises to restore damages immediately in exchange for immediate payment. Never pay in full upfront for a commercial project. Make sure you have a contract. Before working with a contractor, always check the Attorney General’s Home Improvement Fraud Registry and residential contractor registration status with the Office of Professional Regulation in the Vermont Secretary of State’s office.
  3. Contact the Consumer Assistance Program by phone at (800) 649-2424 or by email at ago.smallbusiness@vermont.gov for questions relating to hiring a commercial contractor.

Legal Assistance:

Small businesses may also need the advice or services of an attorney. Below are legal resources available to small businesses during this time.

  • Vermont Bar Association (VBA) is offering low-cost consultations. A lawyer will provide a 30-minute consultation for $25 to help answer questions.  You can reach the Lawyer Referral Service at (800) 639-7036 Monday-Friday 8am – 4pm or businesses can directly request services here: tinyurl.com/23floodvtbizlegal.  VBA is coordinating landlord/tenant lawyers to draft a short guide on the responsibilities of landlords and tenants during this time. Please visit vtbar.org for updates.
  • Small Business Legal Assistance Project offers support and outreach on legal topics impacting diverse and disadvantaged businesses and business owners in Vermont.
  • FEMA Disaster Legal Services (DLS) provides free legal help to low-income disaster survivors (individuals and small businesses). If you’re not able to get adequate legal services for your disaster-related needs, DLS may be able to help. Call (800) 621-3362 for service. If you use a video relay service, captioned phone, or other communication service, give FEMA the number for that service.

Financial Assistance- Grants and Community Funds:

There are grants and community funds available for businesses who have been impacted by flooding.

GrantAvailable FundingEligibility
The Business Emergency Gap Assistance Program$20 million in grants, up to $20,000 per applicationPortal to apply goes live in early August. Visit the ACCD Recovery Resource page for more information.  
Vermont Main Street Flood Recovery Fund$2,500 micro grant per businessCovers costs such as equipment replacement, operating expenses, supplies, help with clean-up, etc.
Restaurant Disaster Relief Fund$10,000 cash grants to 100 local restaurantsRestaurants impacted by the flood who:
– Operate a brick-and-mortar location
– Own a maximum of three locations, and employ fewer than 50 employees per location
– Have been open for at least six months
-Have revenues of $3M or less per location in the last 12 months
VT PoC – Flood Relief FundFunds still incomingBlack, Indigenous, and People of Color (BIPOC) small businesses and community members impacted by the flood.

Financial Assistance- Loans:

The U.S. Small Business Administration (SBA) is offering low interest loans for businesses, nonprofit organizations, homeowners, and renters located in regions affected by the floods. To learn more about SBA disaster loans, you may review the fact sheet for Vermont disaster loans and the What you need to know to apply for a business disaster loan page also available in Spanish.

Eligible small businesses and nonprofit organizations can get help with working capital to help overcome the economic injury of a declared disaster. 

Businesses who apply for the SBA loan and are approved are not obliged to take the loan.

The Vermont State Employee Credit Union (VSECU) is offering low-interest loans for small businesses affected by flood water damage.  The loan provides near-term working capital to help with clean-up efforts, real estate repair, equipment replacement, inventory replacement, and other qualifying uses. To learn more about VSECU business loans, visit the VSECU Business Banking page. One does not need to be a state employee to bank at the Vermont State Employee Credit Union.

As a reminder, before applying for any loan, businesses should always consult with a professional and review their business credit situation carefully.

Assistance for Farmers:

If you are a Vermont farmer impacted by flooding, there are resources available to you.

Visit the Vermont Agency of Agriculture Farm Related Assistance page for the most up-to-date information or email agr.floodresponse@vermont.gov or call (802) 828-5667.

Additional resources including loan and grant information for farmers is listed below.

ResourceAvailable ServicesEligibility
USDA Disaster AssistanceVarious funds, grants, and loans available.Farmers, ranchers, communities, and businesses that have been impacted by natural disaster events.  
Farmer Emergency FundGrant up to $5,000Organic and NOFA-VT member farmers who have been adversely affected by natural and unnatural disasters, such as:
– Crop failure
– Extreme weather
– Flooding
– Fire
– Barn collapse
– Financial hardship as the price of organic milk continues to drop
Vermont Farm FundLoan from $10,000 to $15,000Must be a Vermont farmer or food producer who has suffered a devastating loss due to an unexpected natural disaster that puts their farm or farming career in danger; covers buildings, animals, equipment, greenhouses, and hay fields.

Beware of Disaster Relief Scams:

The Consumer Assistance Program is warning Vermonters and small businesses to beware of disaster-relief scams and price gouging. Scammers may impersonate FEMA or the State of Vermont. To learn more about these scams, please review CAP’s Vermont Flood Recovery: Beware of Scams and Price Gouging blog post.

How to Contact the Small Business Advocate:

If you have any questions on the above related material, please contact Emily McDonnell, Small Business Advocate at ago.smallbusiness@vermont.gov or call CAP at (800) 649-2424.


Many Vermonters are going through a traumatic period. If you or someone you know is having a hard time with the emotional impact of this crisis, you can call or text the National Disaster Stress Hotline, (800) 985-5990, or 9-8-8. You are not alone.

Help Stop Scams Now!

Closing out National Consumer Protection week, a week dedicated to understanding consumer rights and avoiding scams, it is fitting to highlight the Stopping Scams Together initiative announced this week by the Vermont Attorney General. The effort encourages our community of Vermonters to identify scams and share success stories of stopping scams together. Many Vermont partners and individuals are already doing the work to understand scams so that they can help in the prevention effort.  

Stopping Scams Together - #StopScamsVT - With trophy graphic on blue-green background
Share stopping scams stories on social.

You can help stop scams by learning about scams and sharing information with your community. To start learning about scams today, visit our blog, sign up for scam alerts, connect on social media (Facebook, Twitter, Instagram, YouTube), watch and share our imposter scam prevention videos, and practice the SLOW method in all consumer transactions. Visit the Scam Prevention Through Awareness and Education page for detailed scam prevention strategies.  

Are you, or do you know someone who has a stopping scams story? Share your story and your good news of stopping a scam today. Learn more on the Stop Scams VT webpage. There you can access a stopping scams graphic that you can use when sharing your stopping scams stories. Or, we will she your story for you, if you fill out our intake form

To keep Vermont safe from scams, we must continue to work together. 

Is it amour or time for armor?

By Crystal Baldwin

There are perfect matches online, and there are scammers. How can a person tell the difference when online profiles of scammers can be just as good as, if not better than, profiles of existing people? Scams that prey on trust and deceive through relationships of confidence and romance are among the most heart wrenching. How can you look for love online, while keeping your heart protected?

Armor Your Heart: Verify identity with image search, ask for pics w/ unlikely poses, video chat on your terms, Seek advice from friends. AVOID: Contacts with lots of excuses, Requests for money and account info.
Armor your heart. Be romance scam smart.

Armor your heart by using verification strategies:

Verify the person’s identity:

  • Using image search, you can see how frequently a photo occurs elsewhere online and in different profiles
  • Ask contacts what they think
  • Ask photo poses with very specific uncommon photos
  • Video chat on your terms and don’t accept excuses of having slow internet

Armor your heart by knowing the signs of a scammer:

  • Refuses to provide additional photos
  • Refuses to chat through webcam
  • Is difficult to reach by phone, or prohibited from calling
  • Has excuses as to why you can’t meet
  • Needs money, or financial support of any nature, including a business venture
  • Wants to “strengthen the relationship” by sharing personal identifiable information (accounts, passwords, credit cards, and more) or opening lines of credit together

You can find love online and avoid scams. Before looking for love online, armor your heart by visiting our romance scam prevention site: https://ago.vermont.gov/cap/scam-prevention-through-awareness-and-education/romance-imposter-scams

We created videos and tools to help you identify online romance scams.

If you or someone you know has encountered a scam in Vermont, report it. Use CAP’s online scam reporting form and visit the our scam recovery webpage.  

Help us stop these scams by sharing this information with those you care about. 

Top 10 Scams of 2023 Released by Attorney General’s Office

BURLINGTON, VT – Reports of scams to the Attorney General’s Consumer Assistance Program totaled 3,685 in 2022. In keeping with the previous year’s trend, a scam claiming that an unauthorized order was placed, or a package is pending delivery, sometimes naming Amazon, took the number one spot on the list, totaling 19 percent of the top scams reported to the Consumer Assistance Program. Following closely behind in the number two spot was the computer tech support scam, where a scam tech company reaches out about concerning viruses or problems with antivirus services, accounting for 18 percent of the top scam reports in 2022.

Vermont's Tope 10 Scams of 2022: Unauthorized order/package delivery, 19%; Computer Tech Support, 18%; Sweepstakes/Lotteries, 14%; Law Enforcement Imposter, 8%; Family Emergency Imposter, 8%; Fake Websites/Online Listings, 8%; Debt Collection, 7%; Deceitful Solicitation, 7%; Identity Theft, 6%; Medicare Card Phishing, 5%.
Vermont’s Top 10 Scams Reported in 2022 by percentage of the Top 10.

The family emergency imposter scam notably climbed the list from number nine to number five in 2022. Within this category, the grandchild imposter scam, where a grandparent receives a call from a scammer claiming to be a distressed grandchild, resulted in 104 scam reports. In May, the Consumer Assistance Program issued a VT Scam Alert to warn Vermonters about the influx of this scam. Again in June, this category of scam gained attention due to scammers demanding cash be handed over to in-person couriers. In an effort to reduce the impact of this troubling scam, the Consumer Assistance Program produced the Avoiding the Family Emergency Scam video as part of the Imposter Scam Prevention Project education campaign.

The most significant development in 2022’s top 10 list was not the emergence of a new scam, but the disappearance of an old one. For the first time in four years, the Social Security phishing scam fell from the top 10 list. This scam, where you receive a phone call, often a robocall, stating there has been criminal or fraudulent activity involving your Social Security number, accounted for only 2 percent of the top scam reports in 2022. The year prior, it was the second most reported scam.

Potential causes for this drop, and an overall decrease in scam reports by 28 percent in 2022 from the previous year’s 5,154 reported, could be linked to an overall reduction in robocalls coming into Vermont.

YouMail’s Robocall Index shows that robocalls in Vermont deceased by 10 percent, or 5.5 million calls, from 2021 to 2022. At the same time, the Attorney General’s Robocall Enforcement Team targeted the Social Security phishing scam by suing TCA VoIP, a California-based telecommunications company that sent thousands—if not millions—of fraudulent robocalls to Vermont residents. The settlement, finalized in December, required TCA VOIP to close its doors and pay a $37,500 financial penalty.

“Scams affect us all—whether you’ve received an annoying scam call or text, been lied to by a scammer, or lost money to a scam. Together, we can fight scams by reporting them to the Consumer Assistance Program and spreading awareness within our communities. My office helps Vermonters through the Consumer Assistance Program, and we will continue to hold companies that profit from scams accountable,” said Attorney General Charity Clark.

The Consumer Assistance Program actively updates scam prevention resources and strategies and manages the CAP Connection blog, keeping Vermonters informed about important consumer issues.

All Vermonters can help join the fight against fraud by learning about scams, scam reporting, and sharing prevention strategies in community. To learn more about scams, go to our website: https://ago.vermont.gov/cap/scam-prevention-through-awareness-and-education.

The Top 10 Scams of 2022:

  1. Unauthorized Order/Package Delivery
  2. Computer Tech Support
  3. Sweepstakes/Lotteries
  4. Law Enforcement Imposter
  5. Family Emergency Imposter
  6. Fake Websites/Online Listings
  7. Debt Collection
  8. Deceitful Solicitations
  9. Identity Theft
  10. Medicare Card Phishing

The scam: You receive an automated phone call, text message, or email claiming that you have been charged for an online order, have an outstanding balance on your account, or are sent an item you did not order. The scammer then instructs you to call a number provided in the scammer’s communications to get a refund or to resolve the charge. At this point, they will ask you to provide your card number to “confirm your account” or prompt you to provide them remote access to your computer. As soon as the scammer has remote access to your device, they can access every single document, file, and transaction you have saved to your device.   

How to spot the scam: Companies will not call with tech support unless you requested that they contact you. If you receive a package that you do not recall ordering, check your statement history to see if you have been charged. Packages without a return address are highly suspicious.

What to do: Hang up the phone immediately and do not call back. If you receive an email or text regarding a package delivery or order that has been made, do not click on any links. Mark the email as “Junk” or “Spam”. Furthermore, never allow remote access to your devices to unknown parties. If you are concerned about charges made to your accounts, log in to your account directly and contact your financial institution. If you receive a package that you did not order, mark it return to sender and give it back to the mail carrier.

The scam: You receive a phone call, pop-up, or email on your computer claiming to be from Norton, Microsoft, Apple, or another well-known tech company. They will make claims such as your electronic device has a virus; your device security subscription has been automatically renewed; or state you have been charged for services you did not receive or ask for. You may be prompted to click a link or call a number to contact. They will try to persuade you to give remote access to your device to fix the issue, and sometimes will even ask for immediate payment for their services.  

How to spot the scam: Legitimate tech support companies do not display communications to their customers as random pop-ups on your device. Tech support will not call you to warn of security incidents, that your account has been renewed for a subscription you do not recognize, and will not send you random links, often shortened, with instructions for you to click on URLs. 

What to do: When contacted about a supposed business relationship, take steps to verify, especially if you do not remember signing up for services. Never click on links or provide remote access to your computer from an unknown email sender or pop-up message on your device’s screen. If you received a pop-up message you cannot click out of, shut down, restart, or unplug your device. If you get a call from “tech support”, hang up. Also, be careful when searching for tech support online. Some users have been scammed by calling inaccurate phone numbers listed online.

The scam: You will be notified by phone, email, or mail that you won a prize or a quantity of money. In some cases, you will even receive a realistic-looking check – but it is fake! You are instructed to pay fees and give your financial and personal information to claim your prize. They often use a legitimate sweepstakes name, like Publishers Clearing House.

How to spot the scam: Legitimate sweepstakes and contest businesses, like Publishers Clearing House and Mega Millions lottery, will contact you in person if you win a major prize. For prizes under $10,000, the notification is done through certified mail by overnight delivery services (FedEx, UPS). They will not contact you by phone, nor require a payment or processing fee to release your prize.

What to do: If it sounds too good to be true, then it’s not true. You don’t need to pay fees or give your financial information in order to claim a prize.

  • Law Enforcement Imposter

The scam: You receive a phone call unexpectedly, claiming to be a police officer, U.S. Marshall, or U.S. Customs and Border Protection. The caller threatens arrest or legal action. When you engage, urgent payment is demanded to make the problem go away. Payment does not solve the supposed problem, and they keep calling. 

How to spot the scam: The police would not warn you ahead of time about a pending warrant or arrest. Using such threatening tactics intend to spike your emotional response.  

What to do: Hang up on all arrest threats and report them. Watch out for similar government imposter scams that purport to be agents of government, including from the Social Security Administration, the Department for Children and Families, the IRS and more.

The scam: Scammers pose to be someone you trust and pretend to be in an emergency to convince you to send them money or will ask you for a favor. These scammers pose as grandchildren, friends, relatives, and close contacts appearing to be someone you know. Scammers impersonate people you love and play on your fears to have you send money urgently. After the initial call, you may be told a lawyer, parole officer or courtroom may contact you for further information.

How to spot the scam: Contacts come in as calls, emails, or online messages. Sometimes it’s someone you haven’t heard from in a while. They require urgency and ask for secrecy. You may be instructed not to speak to your loved one on the phone.

What to do: Take steps to verify. Check out if they really are who they say, even if they sound like a loved one. Slow down your response and contact someone you trust to verify if there is an emergency. You can also choose a “code word” with friends and family to verify the person is who they claim to be. If they don’t know the word, they are not your friend or family member.

The scam: Fake websites or phony listings draw you into a purchase that’s likely too good to be true. Listings may include Facebook Marketplace and Craigslist posts that don’t deliver after payment has been made, cheap pet sales, and websites with steep discounts. This scam can also appear in online rental listings as well as target online sellers.

How to spot the scam: Be skeptical of unrealistic offers. Watch out for requests for money in any form (gift cards, wire transfers, cash) when not made in person. Scammers likely will not want to talk on the phone or meet in person. Heed warnings in user reviews and other online commentary.

What to do: Investigate the person/profile of the seller. If their profile is new and they have no friends and photos, they are likely a scam. Research new websites you are considering doing business with by looking up online reviews and state business registrations, taking note of how long the company has been operating. Perform online searches of the business with “scam” and “complaints” to see if issues generate. Complete your transactions in cash and preferably a safe place in-person.

  • Debt Collection

The scam: Scammers pose as debt collectors and require immediate payment. They may claim to be familiar businesses and threaten utility disconnection or legal action.

How to spot the scam: Collectors are not allowed to threaten you with arrest over debts owed. You can request verification of the debt, which must be sent to you in writing. If you ask them to stop calling you, they are generally required to stop.

What to do: Hang up the phone, and if they call again, let the call go to voicemail. If you think you do actually owe money to a debt collector or other agency, make sure to use trusted contact information when communicating with them. You can also contact the originator of the debt to see if they sold the debt to a debt collection agency, and request they provide you with the name of the debt collector who took on the debt.

  • Deceitful Solicitations

The scam: You receive unsolicited communication with a deceptive promotion. Offers may appear to be from a known business, like Xfinity or DirecTV, and extend unreal offers. Solicitations may purport affiliation with a charitable cause or make low-ball offers on the sale of real estate, urging recipients to complete an enclosed one-page form contract to sign over their home.

How to spot the scam: Beware of unsolicited offers you cannot verify. Be especially weary of offers that ask you to complete the transaction in one sitting.

What to do: Hang up on unknown callers and let calls go to voicemail. When you receive mailings, take extra time to reply by inspecting the details and using your personal contacts as a sounding board. Never give over your payment information or sign on the line when you don’t understand the offer or details.

The scam: Your personal information is compromised and used for another’s financial gain. This can look like receiving a letter about a new account opening, or the discontinuance of bills. You might stop receiving legitimate bills and other mail or start to get bills for products and services that you didn’t arrange.

How to spot the scam: Beware of communications denoting unexpected bank transactions, credit card or benefit applications. If your expected bills are not showing up, or you are receiving correspondence in someone else’s name, report it.

What to do: Don’t give out personal information, such as your Social Security number, passwords, personal identification numbers, and financial accounts. Review your credit reports at least once a year. (You can access your credit report for free). Carefully check bank account statements and benefits to verify transactions. Shred documents and expired credit cards before you throw them out. Verify security breach notification letters received on the Attorney General’s website. If your information has been stolen by an identity thief, take identity theft protection steps.

The scam: Scammers will call, often with a live call and from a spoofed caller ID number, and pose as Medicare representatives to gain your personal information and money. These scams are most frequent during times of open enrollment but can occur year-round. The scammers will state they need your Medicare card number or Social Security number to keep your coverage active and verify medical information. The calls may also claim that coverage is expiring or in need of renewal. Scammers will also ask if you received a “new Medicare card.”

How to spot the scam: In general, Medicare cards do not expire. Unless you have called Medicare using the 800 number on the back of your card and requested a callback, Medicare will not call you. If a phone call is required, you would receive a letter from the Social Security Administration to schedule a call. Medicare representatives will never call you in an attempt to verify your information, sell you products, tell you that your coverage is expiring, or to issue you a new card.

What to do: Never provide your Medicare number or other personal information and payment to unknown callers. In Vermont, representatives of the State Health Insurance Assistance Program (SHIP) at 1-800-642-5119 through local Area Agencies on Aging can help address Medicare questions. Other questions and concerns about Medicare coverage can be directed to Medicare at 1-800-MEDICARE.

Medicare Open Enrollment Scammer, or the Real Deal?

By Crystal Baldwin

It happened last year, and again this year. During Medicare Open Enrollment season, a concerned elder in my life called to ask if the person soliciting them was a scammer or an actual enrollment representative. The truth is, aside from highlighting some key identifiers of scams, it can be hard to tell. The scammers are so good at acting as if they are Medicare enrollment professionals, that it is enormously difficult to differentiate them from the real deal. The scams even spoof Medicare’s phone number, making the caller ID appear to be Medicare when it is not.

Medicare Open Enrollment Scam Alert

The primary difference between a telemarketer and a scammer is whether the caller is honoring the Federal Do Not Call Registry (DNC). If you ever put you number on the DNC by calling 1-888-382-1222 or by going online at donotcall.gov, you should not be receiving calls from solicitors—Even during Medicare open enrollment. You likely should not be receiving robocalls of this nature either.

What provider can call you when you are on the DNC?

Businesses with whom you have a customer relationship within the past six months, such as your Medicare provider, and other you have requested to call you. Yes, that’s it. No other unrequested calls are allowed.

More on Robocalls:

The same goes for those annoying automated/computer/robot calls. Except with these, unless you expressly opted into receiving robocalls in writing, you should not be receiving these calls either.

What if the call IS my Medicare provider, or I am interested in changing plans during open enrollment?

This is where it gets tricky. It is difficult to know whether your provider is calling instead of a scammer, especially because scammers copycat caller ID numbers. The only way to be sure is to take steps to verify by hanging up on the caller and calling back a number you know to be valid.

If you are looking to change enrollment during the Medicare open enrollment period, do so on your terms.

If you are concerned about your Medicare plan or need to report known Medicare provider fraud/abuse, contact Medicare directly at 1-800-MEDICARE (1-800-633-4227).

Please help the Consumer Assistance Program (CAP) stop Medicare scams by sharing this information with someone you know. If you have questions about this scam, or have provided personal information to the scammers, please contact CAP at 1-800-649-2424 or go online to ago.vermont.gov/cap.


Resources:

Federal Trade Commission Do Not Call Registry
Medicare