"Please submit the tax refund request and allow us 3-9 days in order to process it. A refund can be delayed for a variety of reason. For example (invalid records or applying after the deadline). The good news is that Internal Revenue Service will make this refund directly to your visa and/or mastercard linked to your checking/savings account instead a check or a direct deposit."

Francis V. is from the government and he's here to help. All you have to do is cooperate by following a few simple steps.

"To access the form for your tax refund, please download our secure server form at the attachment file below this letter."

Even in the interest of writing this column, I dared not go near that attachment.

"Important: Do not use credit and/or american express or discover cards. Only cards that are linked to your checking/savings account are accepted."