The new year brings opportunity for fresh starts. Unfortunately, the new year also brings opportunity for fresh scams. Protect yourself in 2012 by resolving to follow these savvy consumer tips from your Better Business Bureau:

• Resolve to not be a phishing victim. Phishing scams refuse to go away because people continue to fall for them. It starts with an e-mail, phone call or text message advising you there’s a problem with a financial account and you’re instructed to provide verification information, such as your Social Security number, PIN or bank account number. Many times, the email or website looks genuine and even contains the company’s logo. If you think it might be legitimate, contact your financial institution directly before providing personal information.

• Resolve to be proactive. Register your phone number on the Do Not Call List at www.donotcall.gov, obtain your free credit report once a year at www.annualcreditreport.com and always shred personal documents.

• Resolve to do your homework for work on your home. Whether you’re planning a small home repair project, such as repaving your driveway, or a more extensive project, like adding a family room to your home, it pays to look beyond the lowest bid when selecting a contractor. Check out potential contractors by contacting your BBB at www.bbb.org or by calling (937) 222-5825 or (800) 776-5301. Get estimates from at least three businesses, check references and never pay the total bill upfront.

• Resolve to read the fine print on trial offers. Be cautious when committing to trial offers, especially when asked to supply credit card information. These trials often automatically enroll you in an ongoing program as soon as the trial period is over. If you choose to provide financial information, use a credit card instead of a debit card. Using a credit card gives you a right to dispute a charge if a company scams you. Debit cards don’t give you this right and multiple, unexpected debits can trigger overdrafts.

• Resolve to give wisely this year. Giving to others less fortunate is a noble resolution, but don’t let emotional appeals and high-pressure tactics affect your judgment. Visit www.bbb.org.

John North is president and CEO of the Better Business Bureau.