Working from home seemed like the best option for Rachael Boyd, a single mother of three, "Yeah, something to help out. I mean I wasn't looking for anything extravagant, you know, just something."
In January, she posted her resume to Careerbuilder.com and just recently got a bite.
"The Human Resources Department of Leman Wealth Management," answered Boyd of the company's name, "and he presented a very good offer."
Boyd says she was sent a few loads of official looking paperwork, she even researched the company online finding articles about their business, and even went through a phone interview all before accepting the job. She admitted each hesitation she felt was met with an answer that reassured her there was nothing to worry about, she felt she had a good gig.
"Everything that was so typical of a scam just wasn't there. There was no outrageous claim," described Boyd.
Then her first assignment was given, Boyd was wired $4,600 to her personal bank account and she was supposed to withdraw the cash and wire it, via Western Union, to another company. She said she felt some doubt about using her account but was reassured by the company manager that it was "easier that way."
Boyd followed the instructions, and afterward learned that the money originally sent to her account was fraudulent. When asked what the moment was like, Boyd answered, "Absolutely horrifying."
The victimized woman immediately called the series of phone numbers she'd been using to reach her managers.
"Every single one of them (phone numbers) came back to the same voice message, 'Sorry, we're not available."
The Better Business Bureau of the Bluegrass says they've gotten many calls, like Boyd's, from unemployed people being targeted by these scams, they call "Job Scams."
"With the economy today, people are really seeking to find work and to make money and to make an honest living, and unfortunately that makes them more susceptible to this kind of scam," said Kim Sweazy of the Better Business Bureau of the Bluegrass.
Sweazy said the job scams ranked among the top ten scams from 2011. She also said once the money is gone there's not much the victims can do, they're on the hook for the lost amount.
That's what hurts this mom the most, "I have to pay that money back and that's taking money away from my family."
The BBB offers this advice, if a business opportunity ever asks for you to wire money using your personal account view that as an immediate red flag and call the BBB.