Seniors have been targeted with innumerable misrepresentations about miracle cures and treatments for age spots, arthritis, hearing loss, obesity, vision problems and other physical maladies. Money-back guarantees are common features of these pitches that cause consumers to suspend their skepticism. Terms of the guarantees usually include a requirement that the customer try the product or service for at least four months. The companies often disappear during this period. In addition, most creditMoney loaned or the ability of an individual or company to borrow money. card banks will not allow charge-backs for customer dissatisfaction after this amount of time.