You can avoid being a victim of scams and other mishaps. Take it from this lawyer.

Do you prepare your own state and federal tax returns? Maybe you could use some help. Laws have changed and even though your tax returns are completed correctly, there may be additional ways to save. I know a lawyer who did his own taxes years ago, which he completed correctly, but found out there were additional steps he could’ve taken to reduce his liability. Just because you can do something on your own does not mean you shouldn’t ask a professional.

Scams. The IRS does not call, text or email when you’re behind on paying taxes. You will get a letter first.

Watch for frauds on the internet. If it sounds too good to be true, that’s probably true. This includes games on which you are told you “cannot lose.” Your chances of being made whole by a scammer? About zero. And never, ever, give out your social security number to ANYONE you do not know.

If you are having financial challenges, it makes sense to contact this regarded United Way-supported agency: Financial Pathways of the Piedmont (336.896.1191). Many families will consult the agency on a confidential basis to learn how to budget their money better or work their way through a financial challenge. If you are dealing with a creditor, your chances of working out a reasonable solution go up dramatically when they learn you have a credible nonprofit organization assisting you. If you can avoid bankruptcy, often a last resort, you will be glad you did. It is noted on your credit record for several years.

Home insurance. If you have a covered loss of property in your home, an insurance company will pay for the actual cash value of your personal property — which is much lower than the replacement cost. Pay the extra premium to purchase “replacement cost” insurance.

What about more valuable home assets, such as jewelry and antiques? Also, pay the extra premium for this coverage or your carrier will award $500 on a standard policy — despite the stolen property’s value. You likely will have to get the items appraised, but it is not time-consuming and worth it. If your home is vandalized, these valuable jewelry items are the hard targets for thieves. Be sure you are fully covered.

What if you move to North Carolina from another state and have estate planning documents executed from there? Should you have them reviewed by a North Carolina attorney? Yes. Take advantage of the North Carolina Bar Association service mentioned in the previous column. You can meet with a lawyer who handles estate planning for no more than $50.

Remember: An informed choice is a smart choice.