Consumer Connection - Michelle Escobar

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Latest Episodes:

Exposing Gold Bar Scams Aug 14, 2025

In this episode of Consumer Connection, we delve into the world of gold bar scams with a special guest, Detective Sean Petty from the Montgomery County Department of Police's Financial Crimes Section. Hosted by Michelle Escobar, an OCP investigator, this episode uncovers the intricacies of these deceptive crimes.

Tune in to learn:

What gold bar scams are
How these scams start and what it looks like when you’re being approached
What victims are told and how they’re contacted
How scammers pose as imposters and persuade their victims
Tips to help avoid such scams

We also discuss a recent gold bar case that highlights scammers' tactics. Don't miss this insightful episode, which aims to protect you and your loved ones from falling victim to these fraudulent schemes.

For additional information, visit MCDP’s website at https://www.montgomerycountymd.gov/POL/index.html or visit OCP’s website at www.montgomerycountymd.gov/ocp. Have a question or suggestion for a future episode? Send an email to consumerconnection@montgomerycountymd.gov.

Inside Cryptocurrency Scams with the FBI Jun 17, 2025

Scammers are cashing in on the cryptocurrency craze and targeting everyday people in the process. In this episode, we’re joined by FBI Special Agent David Paniwozik for an insider look at how fraudsters are using cryptocurrency to steal money through fake investments, impersonation scams, and high-pressure tactics. Learn what to watch for, how these schemes work, and how to protect yourself in the ever-evolving world of digital scams.

For additional information and resources, visit OCP’s website at www.montgomerycountymd.gov/ocp. Visit the FBI's Internet Crime Complaint Center at www.ic3.gov. Have a question or suggestion for a future episode? Send an email to consumerconnection@montgomerycountymd.gov.

Out of Work, Not Out of Options: Your Financial Game Plan Apr 10, 2025

This episode of the Montgomery County Office of Consumer Protection’s podcast, Consumer Connection, explores how consumers can navigate financial transitions such as job loss, relocation, or retirement through smart budgeting, saving, and planning. Host and OCP Investigator Michelle Escobar is joined by Ira Rheingold, Executive Director of the National Association of Consumer Advocates (NACA), to discuss strategies for managing debt, cutting unnecessary expenses, building financial literacy, and creating a financial roadmap. The episode also highlights common scams that target people during vulnerable times, including fake job offers, moving scams, and retirement fraud, with tips on how to stay protected.

For additional information and resources, visit OCP’s website at www.montgomerycountymd.gov/ocp.

Have a question or suggestion for a future episode? Send an email to consumerconnection@montgomerycountymd.gov.

Guarding Against Imposters with the Federal Trade Commission Mar 07, 2025

In honor of National Consumer Protection Week (NCPW), we’re joined by the Federal Trade Commission (FTC) for a special episode of Consumer Connection! In this episode, host Michelle Escobar is joined by Diana Shiller, a Senior Investigator at the FTC. They discuss the FTC’s role in protecting consumers nationwide and how the FTC works with local consumer protection groups. They also highlight key tactics and tips for avoiding imposter scams and deceptive business practices that listeners should know.

For additional information and resources, visit OCP’s website at www.montgomerycountymd.gov/ocp. Have a question or suggestion for a future episode? Send an email to consumerconnection@montgomerycountymd.gov.

Learn more about the Federal Trade Commission: https://www.ftc.gov/

Unmasking AI’s Role in Scams Feb 04, 2025

In this episode of Consumer Connection, we explore the use of artificial intelligence in scams and how it’s making them more convincing than ever. From AI-generated profiles in romance scams to deepfake technology in phishing and grandparent scams, we discuss what AI is and the latest tools scammers are using to deceive consumers. Host Michelle Escobar is joined by Keith Young, Chief Information Security Officer at Montgomery County’s Office of Enterprise Information Security, who shares how scammers leverage AI and the warning signs to watch for. Tune in for practical advice and resources to stay ahead of scammers.

Safe and Smart Holiday Shopping Dec 03, 2024

In this episode of Consumer Connection, host Michelle Escobar is joined by special guest Tracy Rezvani, Administrator at the Howard County Office of Consumer Protection, to share essential strategies for holiday shopping. Together, they discuss how to compare prices, handle returns, and avoid common pitfalls like scams that target shoppers during the holiday season. Tune in for expert tips on smart shopping and staying safe this holiday season!

Helpful Links:

• Montgomery County Office of Consumer Protection:https://www.montgomerycountymd.gov/OCP/

• Howard County Office of Consumer Protection: https://www.howardcountymd.gov/consumer-protection

Home Sweet Home Oct 01, 2024

In this episode of Consumer Connection, host Michelle Escobar delves into the intricacies of hiring home builders and home improvement contractors. Joined by the Office of Consumer Protection (OCP) Investigations Administrator Patty Vitale and Business Education and Registration Unit Manager Shaun Carew, the team discusses key differences between new home builders and home improvement contractors, tips for consumers to protect themselves, and what to look for in a contract.

From understanding licensing requirements to handling disputes with unlicensed contractors, this episode is packed with practical advice to help consumers make informed decisions about home construction and improvements. Whether you're building a new home or considering a renovation, this episode is a must-listen for homeowners and prospective home buyers.

Helpful links:
· Is a home improvement contractor licensed? https://www.dllr.state.md.us/cgi-bin/ElectronicLicensing/OP_search/OP_search.cgi?calling_app=HIC::HIC_qselect

· Is an HVAC technician licensed? https://www.dllr.state.md.us/cgi-bin/ElectronicLicensing/OP_search/OP_search.cgi?calling_app=HVAC::HVAC_qselect

· Have lawsuits been filed against a business? https://casesearch.courts.state.md.us/casesearch/processDisclaimer.jis

· Has the Montgomery County Office of Consumer Protection had previous complaints against a merchant? https://montgomerycountymd.gov/ocp/lookup/disclosure_records.html

Welcome to Consumer Connection Jul 30, 2024

The Montgomery County Office of Consumer Protection (OCP) releases its first podcast, hosted by OCP Investigator Michelle Escobar! In this episode, Michelle is joined by Eric Friedman, the Director of Montgomery County’s Office of Consumer Protection. Together, they discuss a variety of topics including OCP’s history, changes in the consumer landscape, emerging issues, and much more. For additional information and resources, visit OCP’s website at www.montgomerycountymd.gov/ocp.

Have a question or suggestion for a future episode? Send an email to consumerconnection@montgomerycountymd.gov.

Introducing Consumer Connection Jul 17, 2024

Welcome to Consumer Connection, your ultimate guide to navigating the world of consumer rights and protections. Hosted by Michelle Escobar, an Investigator from the Montgomery County Office of Consumer Protection, this podcast is your go-to source for staying informed and empowered in today's consumer landscape.

Join Michelle as she unpacks essential topics such as avoiding scams, mastering informed purchasing decisions, and understanding your rights as a consumer. Each episode features insightful conversations with experts, delivering practical advice and tips that are applicable whether you're in Montgomery County, Maryland, or anywhere else in the world.

Stay ahead of the curve and safeguard your interests with Consumer Connection. Subscribe now and get ready for our first full episode dropping soon!