How to Recognize a Scam:

1. Scammers PRETEND to be from an organization you know. They often pretend to be contacting you on behalf of the government. They might use a real name, like the Social Security Administration, the IRS, or Medicare, or make up a name that sounds official. Some pretend to be from a business you know, like a utility company, or even a charity asking for donations.
2. Scammers say there’s a PROBLEM or a PRIZE. They might say you’re in trouble with the government, you owe money, someone in your family had an emergency, there’s a virus on your computer, or there’s a problem with one of your accounts and you need to verify some information. Others will lie and say you won money in a lottery or sweepstakes, but you have to pay a fee to get it.
3. Scammers PRESSURE you to act immediately. They want you to act before you have time to think. If you’re on the phone, they might tell you not to hang up so you can’t check out their story. They might threaten to arrest you, sue you, take away your driver’s or business license, deport you, or say your computer is about to be corrupted.
4. Scammers tell you to PAY in a specific way. They often insist that you pay by sending money through a money transfer company or by putting money on a gift card (often an Apple gift card) and then asking you to give them the number on the back. Some will send you a check (that will later turn out to be fake), tell you to deposit it, and then send them money.

How to Avoid a Scam:

• Block unwanted calls and text messages.
• Don’t give your personal or financial information in response to a request that you didn’t expect. Legitimate organizations won’t call, email, or text to ask for your personal information, like your Social Security, bank account, or credit card numbers.
• If you get an email or text message from a company you do business with and you think it’s real, it’s still best not to click on any links. Instead, contact them using a website you know is trustworthy. Or look up their phone number. Don’t call a number they gave you or the number from your caller ID.
• Resist the pressure to act immediately. Legitimate businesses will give you time to make a decision. Anyone who pressures you to pay or give them your personal information is likely a scammer.
• Never pay someone who insists you pay with a gift card or by using a money transfer service. Never deposit a check and send money back to someone you don’t know.
• Stop and talk to someone you trust. Before you do anything else, tell someone — a friend, a family member, a neighbor, or a police officer — what happened. Talking about it could help you realize it’s a scam.