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The use of altered or forged Financial Transaction Devices (FTDs) is a growing problem in the United States.Merchants and financial institutions lose billions of dollars every year to schemes involving altered or forged FTDs.Participants rated an image of a fictional date with and without fictional finance information (e.g., debt and income) to determine attractiveness scores.That doesn't mean everyone with debt is doomed romantically.One common scheme is to convert a gift card or prepaid card into a credit card by altering the magnetic strip and embossing the account holder’s name on the front.There are ways to detect these forged cards, but merchants rarely have the time to double check every transaction during a busy day.According to section 750.157n of the Michigan Penal Code, it’s a felony to knowingly possess a fraudulent or altered FTD.This offense is different than most because it does not require the prosecutor to prove the defendant’s criminal intent.

Dance clubs and dive bars may have worked in the '90s, but now, even if you’re out, your phone is a much easier way to find someone to "watch Netflix and chill" with (especially someone you won’t regret tomorrow).

Money may not buy happiness, but it can help find love.

Both men and women alike said that a romantic partner seems more attractive when their income is significantly higher than their debt, according to a survey by Lending Tree, an online lending exchange that connects consumers with banks.

Instead, the prosecutor only needs to prove that the accused knew the card was fraudulent or altered.

Michigan Penal Code section 750.157r punishes the act of forging, altering, simulating, or counterfeiting an FTD.

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