 Unfortunately, their credit card has long since been charged or their check cashed.The Federal Trade Commission and other agencies recommend to be wary of people who claim to work for companies, consumer organizations, or government agencies that recover money for a fee.Legitimate organizations, such as national, state, and local consumer enforcement agencies and non-profit organizations, like the National Fraud Information Center (NFIC) or Call For Action (CFA), do not charge for their services or guarantee results.