My name is Kathy. My husband of 53 years passed away this January from issues created many years ago from Agent Orange when he was in the Air Support in Vietnam. The picture you see is him on the Midway ship in San Diego. It is of the Huey helicopters which is what they flew. When he was diagnosed with the first serious illnesses he became classified as a non-employable disabled veteran. It didn't stop him though, he was an auctioneer and a real estate broker, we have 2 offices. Those are both jobs you are your own employer (with my help as a partner). In time he was given a monthly VA disability payment and we each received social security. We were doing the best we could in life. I have to admit, I abused credit cards. He hated I did that, but, my philosophy was always, I pay the monthly bills, it is fine. I have now learned he was right, it wasn't fine. The day he died, was an instant wake up call. the VA has a new monthly amount for spouses of disabled veterans (which I am thankful for) and social security changed. I now receive a portion of his amount (which again I am thankful for). Due to this huge change in income, I am having a difficult time keeping up with paying bills. I paid a large amt. for the funeral (the VA does help with some costs thankfully), the atty. bill for the closing of the estate was literally thousands and not just a couple. I am being tested I would say almost daily. I have had to continue to pay the bills that are just standard bills we all have and we pay. I have used up life ins accounts to continue to pay the bills. Since he passed, I have had the furnace break down, plumbing issues, an apartment had to have all new plumbing, the central air in office broke, the water in the office the pipe broke and I was left with a large issue with water. Larry was right about credit cards, it was foolish of me to do. I tried to figure out a way to continue paying the bills but on a very limited budget in which I now live. So I read about a home equity loan and I took one out. They are to pay off the credit cards, I have to pay the plumber, the attorney, pay off some other bills. I just had a shoulder replacement a couple weeks ago and trying my best to work yet and continue to be productive. With the equity loan which had paid the credit cards, I decided to make sure the credit card bills had a 0 balance. so, the first card I pulled out of my wallet was Wells Fargo. I saw that credit card had not yet been paid off.. Then I saw there was a charge on the account of $331.00 I wasn't sure of what that was for, so I called Wells Fargo using the number on the back of the credit card. I explained to the person why I was calling and she said she had to transfer me to the fraud dept.. Well, she did and I have to now shake my head because whomever she transferred me to was not legitimate. I was transferred to someone but now I know definitely not legitimate. I cannot cry because it won't help me, but these people took over my laptop went to my bank account showed me there were 76 attempts to get into my account and so much more. There were bit coin charges I had purchased. To be honest, I have never purchased a bit coin and have no intention of doing so. It didn't bother me they took over the computer remotely because that happened at work quite a bit with the IT dept. Bottom line, they not only stole 20,000.00 from my HELOC account I literally gave it to them. Why in the world would I think a call initiated by me would be a scam. I know there is not a single person who doesn't have issues with life. I now have had money stolen I have to pay atty, all the people working on a house I own. I have numerous, overwhelming repairs that insurance does not cover and since I have no money to pay them because I have no HELOC money anymore I am trying to still put the best perspective on everything that has happened this year. I know there are many silver linings which I see. My own family has been so generous, my childhood friend who remains my friend all these years later, local friends, thank you to all of you. I am so humbled, so indebted to you. When I can once again breathe thru all this, trust me when I say I will once again be as generous as you. There are more good people than thieves. I hope the people stealing from others realize at some point what they are doing and stop, give as they can. Thank you. thanks to all reading this, even if you initate the call....don't be as trusting as I was, please don't be.