(Last Updated On: March 24, 2022)

After A ScamScam A Scam is a confidence trick - a crime -  is an attempt to defraud a person or group after first gaining their trust through deception. Scams or confidence tricks exploit victims using their credulity, naïveté, compassion, vanity, irresponsibility, or greed and exploiting that. Researchers have defined confidence tricks as "a distinctive species of fraudulent conduct ... intending to further voluntary exchanges that are not mutually beneficial", as they "benefit con operators ('con men' - criminals) at the expense of their victims (the 'marks')". A scam is a crime even if no money was lost. Is Discovered Comes The Debt!

Many Victims Then Have To Face The Truth About New Debt!

As a financial fraudFraud In law, fraud is intentional deception to secure unfair or unlawful gain (money or other assets), or to deprive a victim of a legal right. Fraud can violate civil law (e.g., a fraud victim may sue the fraud perpetrator to avoid the fraud or recover monetary compensation) or criminal law (e.g., a fraud perpetrator may be prosecuted and imprisoned by governmental authorities), or it may cause no loss of money, property, or legal right but still be an element of another civil or criminal wrong. The purpose of fraud may be monetary gain or other benefits, for example by obtaining a passport, travel document, or driver's license, or mortgage fraud, where the perpetrator may attempt to qualify for a mortgage by way of false statements. A fraud can also be a hoax, which is a distinct concept that involves deliberate deception without the intention of gain or of materially damaging or depriving a victim. victim, you have to face many hard truths after your scam!

One of them is debt!

You became involved in a scam …

  • You did not want to be scammed, but it happened – you were lured in, groomed, and manipulated expertly.
  • You did what the scammerScammer A Scammer or Fraudster is someone that engages in deception to obtain money or achieve another objective. They are criminals that attempt to deceive a victim into sending more or performing some other activity that benefits the scammer. asked – in most cases, this meant that you sent them money.
  • In many cases you did not have the money you sent to the scammer – you borrowed it:
    • You got advances or cash from your credit cards
    • You took out new loans
    • You re-mortgaged your home
    • You borrowed it from friends and family
    • You leveraged other assets to get money
  • Now you have to deal with this reality – you owe money, potentially a large amount!

Now That The Scam Is Over

You now have to deal with your real financial situation at the same time as you are going through grief and the traumaTrauma Emotional and psychological trauma is the result of extraordinarily stressful events that shatter your sense of security, making you feel helpless in a dangerous world. Psychological trauma can leave you struggling with upsetting emotions, memories, and anxiety that won’t go away. It can also leave you feeling numb, disconnected, and unable to trust other people. Traumatic experiences often involve a threat to life or safety or other emotional shocks, but any situation that leaves you feeling overwhelmed and isolated can result in trauma, even if it doesn’t involve physical harm. It’s not the objective circumstances that determine whether an event is traumatic, but your subjective emotional experience of the event. The more frightened and helpless you feel, the more likely you are to be traumatized. Trauma requires treatment, either through counseling or therapy or through trauma-oriented support programs, such as those offered by SCARS. that was left behind.

We know that the financial aftermath from your scam can be as devastating as the emotional side – both contribute to your trauma and will make it hard to recover. A successful recovery program must guide you through both sides. SCARSSCARS SCARS - Society of Citizens Against Relationship Scams Inc. A government registered crime victims' assistance & crime prevention nonprofit organization based in Miami, Florida, U.S.A. SCARS supports the victims of scams worldwide and through its partners in more than 60 countries around the world. Incorporated in 2015, its team has 30 years of continuous experience educating and supporting scam victims. Visit www.AgainstScams.org to learn more about SCARS. understands this!

There are ONLY Three Options for you at this point:

  1. Ignore it – stay in denialDenial Denial is a refusal or unwillingness to accept something or to accept reality. Refusal to admit the truth or reality of something, refusal to acknowledge something unpleasant; And as a term of Psychology: denial is a defense mechanism in which confrontation with a personal problem or with reality is avoided by denying the existence of the problem or reality. and pretend it will all just go away
  2. Procrastinate – you know you have to deal with it, but just not today
  3. Confront it – take control of the situation and work through each point of pain until they are all under control and you have a clear financial path forward

Obviously, Each Victim’s Situation Is Different

Each scam victim did different things to satisfy their scammer. From credit card debt, to loanshark loans, to home mortgages. Regardless of the details, they cannot be ignored forever. Besides, trying to live in denial will always make things worse – potentially much worse – much depends on the country where you live and the kinds of debts.

International Issues

SCARS supports scam victims worldwide. Because of this, not all information applies in every country. Make sure that you understand what is appropriate, possible, and safe for your country.

You Are Going To Face It!

Dealing with your debt will come after you have the rest of the scam under control, but it will not wait for long. Payments will have to be made, legal decisions need to be considered.

In our experience, that average victim will delay from one month to a year before really taking firm control of their finances and debt. We can’t tell you what is right for you, because we are not financial professions, and because each person’s situation is somewhat different. But it is important to talk with professionals that can help you sort through this.

The SCARS FOUR STEPS

As a victim, there will be FOUR major steps to your financial control and recovery:

  1. Regain Control

  2. Control The Damage

  3. Confront The Debt

  4. Debt Management

In each one, you are going to be facing many difficult processes and emotional challenges, but it becomes easier the more you plan. Having a step-by-step plan helps reduce stress and further trauma. The single biggest value in all this is a sense of regained control and certainty – when you have a plan, you have a sense of what the future will bring, even if it is not great – at least you know and can deal with facts. Uncertainty can make it much harder to both recover control and work through your emotional pain.


STEP 1: Regain Control

The first step in regaining control is to know what your real dept is – how much, what is due and when. This is basic debt management & planning.

Start by listing every debt that you have, along with expenses and obligations on a piece of paper (or spreadsheet). You have to learn what is really out there. Include everything, even how much you plan to spend of food, utilities, and more – all of it must be accounted for – or you will set yourself up for surprises.

Catalog Your Debts

First, create a list of all your debts. You should have done this already in STEP 1 above – this can include money owed on:

  • credit cards
  • student loans
  • auto loans
  • medical bills
  • personal loans
  • all other financings
  • Other obligations that must be paid on a monthly or regular basis

The list of your debts should include:

  • the name of the lender
  • type of loan or obligation (category)
  • total amount owed
  • interest rate
  • minimum payment due each month

You can also include the contact info of each lender, and any other pertinent details (i.e., terms, fees).

Make sure your info is up-to-date and accurate.


STEP 2: Control The Damage

After you really learn what you have to face, begin the painful process to talking with every person or business or government that you owe money to. Yes, you have to do this.

This will serve many purposes, from buying you time to sort through it, to stopping or delaying debt collection activities. You will ned time to recover emotionally too, and adding the financial issues will be hard. Do what you can to give yourself space and time to recover, but don’t hide from it – what you hide from will come back to haunt you.

Make sure you prioritize your debts carefully – talk to all of them, but give the most attention to those that are going to be the worst for you.

Make a list of your creditor and go through them one by one and inform them that you are the victim of financial fraud (they don’t need the details) – but they will require the police report number – make sure you have it.

Ask them about:

  • In what ways can you delay payments
  • Can you change payment amounts or extend the loan repayment
  • Do they have programs for partial or complete debt forgivenessForgiveness What Is Forgiveness? Psychologists generally define forgiveness as a conscious, deliberate decision to release feelings of resentment or vengeance toward a person or group who has harmed you, regardless of whether they actually deserve your forgiveness.
  • Can they help you in debt planning and creditor management
  • Did you have any type of insurance on their debt

STEP 3: Confront The Debt

This is where you have to face the music – as the saying goes. You have to face your reality and make choices about the direction you take.

3.a – Debt Management

After you have done the above and you have the answers to those questions, you are ready to lay out a realistic debt management plan.

There are two basic ways to work a debt management plan:

  1. Do it yourself – you plan and then work the plan
  2. You hire a service provider (third-party) to do it for you

You can do all the work yourself and maintain personal control over it all. This has many advantages, but may also be difficult if you are still dealing with the emotional grief and trauma of the scam. It may make more sense to work with a debt relief or management provided to help keep it all strain, and potentially even handle the payments for you – this makes it much easier for you to avoid the additional trauma of having to speak with debt collectors – they do it all for you.

In the sections below we will explore Do It Yourself Debt Management.

You may wish to start by talking to a credit counselingCounseling Counseling is the professional guidance of the individual by utilizing psychological methods especially in collecting case history data, using various techniques of the personal interview, and testing interests and aptitudes. A mental health counselor (MHC), or counselor, is a person who works with individuals and groups to promote optimum mental and emotional health. Such persons may help individuals deal with issues associated with addiction and substance abuse; family, parenting, and marital problems; stress management; self-esteem; and aging. They may also work with "Social Workers", "Psychiatrists", and "Psychologists". SCARS does not provide mental health counseling. service. Here is what you can expect when talking to one – click here.

3.b – Debt Elimination (Bankruptcy)

Depending on the types of debts and what you learned in STEP 2 – you may be able to obtain forgiveness or write-off of some or your debts, but probably not all. You may have to consider bankruptcy.

We cannot advise you about this choice or the details that will be specific to you. For this, you will need to find a licensed bankruptcy attorney or solicitor to explore these options.

Here is a directory service to help you locate them: Best Bankruptcy Lawyers Near Me – Attorney Ratings | FindLaw

However, before you go there, make sure you have fully explored all of your other financial options first. Once you jump into bankruptcy all other options become unavailable.


STEP 4: Debt Management

If you are going to try to manage your own debt, you will need a plan.

4.a – What is a Debt Management Plan?

A debt management plan (or DMP) is a way to get yourself out of debt and rebuild your credit and control your life, all while making monthly payments that fit your budget. They can be extremely beneficial for someone who is in over their head with debt and needs help getting a handle on it.

While participating in a debt management plan, you’ll also learn how to manage your money better so that you can avoid falling into debt again in the future.

How It Works

A debt management plan is a system that allows you to pay one monthly payment that covers all of your included debt. Essentially, once your creditors agree to the plan, you make a single payment each month to the facilitator of your debt management plan. It is not a loan, however, and your monthly payment is divided and dispersed to your creditors every month.

When you request a debt management plan and your creditors agree to it, they will often lower your interest rate and waive any late fees that you currently have. They will also agree to a set monthly payment that has your account paid in full in no more than five years. If you cannot do this in 5 years, then bankruptcy may be the right option.

While you’re in a debt management plan, your credit accounts will be closed and you will not be able to use those accounts for any new charges. You will also not be strongly discouraged from opening any new lines of credit, as creditors offer you perks (reduced interest, waived fees) with the idea that you’ll focus on paying off your debt and not creating new debts.

The Cost

Yes, there can be a cost, but it is not much and it will vary depending on the amount of debt you’re repaying and the state/country where you live, and the specific service provider. If you work with a nonprofit credit counseling agency, there will likely be two fees: an ongoing monthly fee and a one-time set-up fee. Monthly fees may be a percentage of your monthly DMP payment, or a flat fee (again depending on where you have residence).

With many of the better providers, the average monthly fee is around US$24, with a maximum of $50 (depending on regulation, country, and type of entity.) The average set-up fee is $33, with a maximum of $75. Fee waivers and fee reductions are available for consumers with hardships – just ask your credit counselor if you qualify.

How You Sign Up For One

Your best, and easiest possible approach may be to work with an accredited nonprofit credit counseling agency. They’re not all the same though. Do your homework and search their Better Business Bureau or other national rantings to find a reputable company.

Contact the one you’re most interested in working with and schedule an appointment for a complimentary counseling session. This will allow you the opportunity to discuss your financial situation with a credit counselor, review your options, and see if a debt management plan is right for you.

Remember, they are not YOUR financial planners – they have a mission that may be different than yours – we encourage you to talk with a real financial professional about all your possible options.

If you’re not opposed to putting in some long hours on the phone, you can set up your own debt management plan. If you’re having trouble keeping up with your payments, creditors may be willing to work with you. But there’s no guarantee that you’ll receive the same interest rate reductions and other benefits if you go it alone. It is a question of trust and how much effort your creditors have to put in to work with your directly.

Making the decision to create a debt management plan can be a responsible way out of debt, but it is not right for everyone. If you’re considering one, talk to a credit counselor about your options.

SCARS cannot recommend any specific credit counseling company. However, in the United States, we recommend that you consider NCFF Members in good standing with solid Better Business Bureau ratings (A+).

4.b – Will A Debt Management Plan Work For You?

Here are some things to consider when deciding whether or not to use a debt management plan:

You Must Have A Source Of Income

No repayment option will work for you if you don’t have some form of income. When a nonprofit credit counseling agency administers a DMP, they are obligated to ensure that the plan is affordable and works as part of a balanced budget.

If you barely have the income needed to manage your basic essentials (food, shelter, etc.), then debt repayment should not be your top priority and a DMP is unlikely to be a good idea until you can increase your income. This is where bankruptcy comes into this again.

However, if you have a steady income, but are just struggling to make your debt payments balance against the rest of your budget, then a DMP may be a great choice for you.

High-Interest Rates

A DMP is likely to reduce most or all of your high-interest credit card rates, allowing more of your monthly payments to go towards the principal. This will allow you to pay down your debts quicker. In fact, most DMPs are repaid within 3-5 years.

Missed Payments

Missed payments don’t disqualify you from a potential DMP. In fact, there are usually no credit requirements for a DMP, so unlike many consolidation loans, if your credit has suffered from missed payments you can still qualify for a DMP. Creditors will also often bring your account current after you have made a certain number of consecutive payments through your DMP.

Luxuries & New Debt

You probably will not be able to do that.

Accounts included on a DMP are usually closed or frozen by the creditor. Because the age of your accounts is a factor in most credit scoring models (and older accounts are better for your score), this means that your credit score may fall immediately after starting a DMP. If you need your credit in premium shape for a major purchase (home, car, etc.), then you may want to wait before starting a DMP or look into another option, like a low-interest consolidation loan. We do not suggest this for scam victims – we suggest that you forget normal life as it was for a while, and stay laser-focused on financial survival.

Your Credit Score / Credit Quality

If your score is already low because of missed payments, then a DMP may be a good option. The truth, however, is that any option (besides potentially debt settlement) can be a good way to help rebuild your credit, providing that you:

  • Make payments consistently each month, as agreed upon, and
  • Pay off your debts in full.

The DMP’s single, consolidated payment and reduced interest costs can certainly help you rebuild your credit over time, but that only works if you’re able keep making your payments straight through to the end.

Help Staying Accountable

Scam victims frequently avoid dealing with challenges. The DMP actually is a good way to reduce your stress because it reduces the number of people you have to deal with. It simplifies your life by giving you a financial advocate that you can really work with – assuming that you qualify.

One unique benefit of using a DMP through a nonprofit credit counseling agency is that it comes with continual support and assistance from a team of trained financial educators and counselors. If you’re self-directed and only need the boost of a lower interest rate and consolidated payment, then a low-interest consolidation loan may be what you need. But if you feel you might need a little extra support to give yourself time to heal and to set and stick to your new goals, then a DMP may be the way to go.

Ultimately, anyone with more credit card debt than they can comfortably handle can potentially benefit from a DMP. It is simply a matter of deciding whether or not the benefits of a DMP meet your unique needs.

4.c – Creating Your Own Debt Management Plan

There are plenty of organizations that can help, but if you want to do it yourself and you like handling things on your own?

You may be able to do it – but you may also be foolish to try. We cannot tell you the answer here. But you must be realistic.

Doing It Yourself

You should consider doing it yourself ONLY if:

  • You are able to handle the additional emotional load of managing your finances and dealing with creditors – this is not easy! But can help you maintain control. Or,
  • You live in a country where debt management services are not available.

Those are the only two reasons to do it yourself. Do not let pride or shameShame Shame is an unpleasant self-conscious emotion typically associated with a negative evaluation of the self; withdrawal motivations; and feelings of distress, exposure, mistrust, powerlessness, and worthlessness. enter into this. If you are in trouble over your debt, do what is best for you.

Beginning

By being organized, diligent, and having determination and commitment, you can become debt-managed by yourself through your own debt management plan.

4.d – Step by Step

The following is a step-by-step approach to creating a debt repayment program and implementing it on your own.

4.d.1 – Create Your Plan

When it comes to figuring out the best tactic, two popular debt repayment methods are the:

    • “Avalanche” debt payoff method, or
    • “Snowball” debt payoff method

No matter which strategy you choose, you’ll want to make the minimum payments on all your debts. You want to create a plan you can manage and maintain based upon your income and otherwise, your credit will suffer.

AVALANCHE DEBT PAYOFF METHOD

With the avalanche debt payoff method, you focus on paying the debt with the highest interest rate first or as a priority. Once that “mother of debts” is paid off, you take the money you have been putting toward it toward the debt with the second-highest interest rate, and so forth.

In other words, triage – stop the worst bleeding first!

A major benefit of this method is that you’ll save money on the interest. The downside is that because it can take a while to pay off that first debt, you may find yourself struggling to stay motivated. Also, it depends on the patience of other creditors.

SNOWBALL DEBT PAYOFF METHOD

There are two major differences with the snowball debt payoff method.

With the avalanche method, you pay based on the interest rate, with the snowball method you pay based on the balance.

The other major difference is that you start with the smallest amount, then work your way up. Canceling one debt at a time – smallest to largest, but again, this depends on the willingness of your creditors.

A big advantage of the snowball debt method is that you’ll enjoy success earlier. It is quite a satisfying feeling to pay off your first debt, and if you do it earlier in your plan, chances are you’re more likely to keep the momentum going and this also becomes therapeutic. A downside is that you may be paying more in interest on your loans over the long term.

4.d.2. – Prioritize Your Debts

Rearrange your debts in order of which one you’d like to tackle first. After doing some analysis, figure out how much money you’ll be paying on each date, and the target date to pay it off. That’ll help you stay organized and on track.

FOCUS ON A SINGLE DEBT

No matter which repayment method you decide on, focus on reducing one debt at a time. it will help you make greater progress, and it will make it easier to track and manage your debts.

Plus, because you are managing one debt instead of spreading your efforts among several, you can pay more of the principal. In turn, you’ll save more on interest. But remember, it depends on what your creditors will access – but you start with your plan and then work on getting the agreement of your creditors – keep the horse in front of the cart!

4.d.3. – Stop Accumulating More Debt

Try to close or freezeFreeze Trauma Freeze Response: While fight-or-flight is the better-known way humans respond to certain stressful stimuli, the additional less known third response "FREEZE", was not as widely studied until this last decade. Freezing as a response to a threat might seem effective, a sort of “playing dead” in the face of danger; however, in humans freezing manifests as an inability to communicate, react, make decisions, or take any action of self-preservation or defense. your credit card accounts while you are in debt payoff mode.

While you’re paying off debt, you definitely want to avoid accumulating more debt. Otherwise, you may find yourself feeling like you’re taking a step backward, ending up at the beginning. Your motivation and stress matter!

Note: Closing a credit card could negatively impact your credit. That’s because your balance-to-limit ratio, or credit utilization ratio, is affected when you close a card. Your credit utilization ratio is the outstanding balance on all your cards against the maximum limit on all your cards combined.

Generally, if the spending limit on all your cards is $30,000, and you have a balance of $9,000, your credit utilization ratio is 30 percent. (The lower your credit utilization ratio the better. A general rule of thumb is to keep it under 30 percent.) When you close a credit card, depending on the limit on that particular card and your total outstanding balance, your credit card score could get dinged.

If you’re not quite ready to close out your credit cards with debt, many credit cards now have a “freeze card” option where you can momentarily hit the “pause” button on your card.

4.d.4 – Cut Expenses

When paying off debt, see where you can cut back on your expenses. Lowering living expenses means more money can go toward your debt.

A few pointers on slashing expenses:

DEFINE ALL OF YOUR EXPENSES

If you don’t already have a budget, figure out what your expenses are. This includes everything from rent, bills, monthly subscriptions, gas, insurance, food, entertainment, and shopping.

GO FOR THE BIG EXPENSES

Your three major spending categories are housing, transportation, and food. If you can save on any one of these three spending areas, you can save larger amounts of money each month.

GO FOR THE EASY EXPENSES

Easy wins on slashing expenses include recurring expenses. This includes car insurance, bills, and monthly subscriptions. Contact the company and see if there are any discounts, or negotiate for a lower rate. You may be able to save by enrolling in autopay or making a yearly payment instead of a monthly one.

Another way to gain easy wins is to nix stuff you aren’t using. For instance, if it is been a while since you last stepped foot in a gym, cancel your gym membership.

Be sure to check out all our budget guides for thorough advice on slashing common expenses.

4.d.5 – Can You Add Income?

See if there are any growth opportunities at your current job or other income to earn more, this can include starting or increasing the payout of your retirement or investment accounts (if you have any.) If you have been a valuable employer, either by helping the company save money, make more money, make things more efficient, or reducing stress on your team, use that as leverage for a raise or a bonus.

Outside of your job, look for ways to earn more money by way of a side job. There are plenty of ways to make extra money, such as tutoring, pet sitting, ride-sharing, freelance writing, consulting, on services like www.FIVRR.com, and so forth.

Commit to any extra cash you receive toward your debt. This includes not only money from a raise, bonus, or side job, but cash gifts and small windfalls that come your way.

4.d.6 – Understand Your Credit Rating Or Status

This does not apply in all countries. But if it does, try to find out what your rating is now. Even though you may be in survival mode, it is important to do your best to come out of this with as good a credit rating as you can.

ORDER A CREDIT REPORT

In the U.S. paying off your debt affects your credit, it is important to keep tabs on your credit when paying off your debts. You’ll also want to check your credit report to see if there are any inaccuracies in your personal information, payment history, and debts listed. Debts that are unpaid and have been sent to a collection agency also usually show up on your credit report. You’ll be able to see which agency the debts have gone to.

If you need to file a dispute, you’ll need to contact the credit bureau agency directly. The credit bureau typically has 30 days to to investigate your dispute.

You can order a credit report for free at AnnualCreditReport.com. You’re able to order one from each of the three major credit bureaus—TransUnion, Experian, and Equifax—during a 12-month period. While your credit report is free of charge, there’s typically an additional fee to see your credit score.

THE OTHER NIGHTMARE

Another reason to look at your credit report is to see if your scammers stole your identity and created more debt for you! Click here to learn more about Protecting Your Financial Identity as a scam victim.

MONITOR YOUR CREDIT

This depends on the country where you live, but while paying off your debt, monitoring your credit will help you see how your debt payoff efforts are boosting your credit. As you pay off debts and lower your balances, your score typically goes up.

There are a handful of free credit monitoring services that allows you to monitor your credit and check your credit score for free (see what may be appropriate for you.) Many popular money management appsApps Applications or Apps An application (software), commonly referred to as an ‘app’ is a program on a computer, tablet, mobile phone or device. Apps are designed for specific tasks, including checking the weather, accessing the internet, looking at photos, playing media, mobile banking, etc. Many apps can access the internet if needed and can be downloaded (used) either for a price or for free. Apps are a major point of vulnerability on all devices. Some are designed to be malicious, such as logging keystrokes or activity, and others can even transport malware. Always be careful about any app you are thinking about installing. and credit card companies also allow you to check your credit score.

You’ll also want to get a credit report to make sure your payment history, balances, and so forth are reflected accurately and are what you think they are. As you can get a free report every year from each of the three credit bureaus, you can stagger receiving them throughout the year. (The pandemic has made this more flexible, but check to be sure.)

4.d.7 – Contact Your Creditors & Negotiate With The Collection Agencies

While this may feel intimidating, remember: It is in both party’s best interest to get your debts paid off. When talking to a rep from the lender, you can work with them on a repayment schedule, and possibly negotiate for a lower interest rate or pay a lower amount than what you originally owe.

Before giving a call, have as much information on hand as possible. Know that it usually requires more than a single call and could take a series of calls before you come to an agreement. Patience is key.

Talking to creditors and collection agencies is hard, but essential. For any debts that have gone to collection agencies or processes, you’ll need to contact the agency or entity directly to create an agreement on a payment plan. You’ll also want to be prepared to make an offer. At the end of the day, lenders want to have the debt cleared, so they may be open to accepting less than the original amount owed.

MAKE IT EASY TO PAY OFF YOUR DEBTS

While paying off debt requires a lot of effort, there are ways to make it “easier,” so to speak. Besides negotiating on the outstanding balance, a few things that could help you make payments on time:

SET UP AUTO-PAY

The fewer steps you have to take when paying off your debt, the easier it will be. Set up auto-pay on all your debts. That’ll ensure on-time payments. But be careful – auto-payments will happen automatically once they are set up – if you think you may have some momentary challenges, it may be better to keep manual control of this.

MAKE EXTRA PAYMENTS

Besides making more than the minimum payment each month, aim to make an extra payment each month. If you’re feeling particularly ambitious, aim to make weekly payments. However, keep the long view in mind. Do not over-pay if you may need money for something else. It is better to stick to the plan even it you are impatient – success is more important than speed.

SEE IF YOU CAN MOVE THE PAYMENT DUE DATES

If you’re having problems paying on time, contact your lenders immediately to see if you can move the dates payments.

4.d.8 – Consider Debt Consolidation

There are several ways to consolidate your debts:

    • TRANSFER YOUR DEBTS TO A ZERO PERCENT TRANSFER CREDIT CARD – If you have strong credit, you might qualify for a credit card with a zero percent introductory interest rate. If that’s the case, it could help simplify payments and save you money on interest.
    • CONSOLIDATE DEBT BY TAKING OUT A NEW LOAN – Once again, if you have strong credit, it could potentially save you money on interest or make it easier for you to manage your debt. However, if you have poor credit, be prepared for high-interest rates. In that case, it may not be worth it.
    • CONSIDER REFINANCING – If you have strong credit and high-interest debts, refinancing your debt could help you lower your interest rate, have smaller monthly payments, and help you save money overall. Conversely, if you have poor credit you may not be able to get the best terms and rates. Before deciding, shop around and ask questions to make sure it is the right choice for you.

Know It Is An Emotional Journey

A lot of strong emotions come with having debt, especially for the victims of financial fraud.

For example, grief, denialDenial Denial is a refusal or unwillingness to accept something or to accept reality. Refusal to admit the truth or reality of something, refusal to acknowledge something unpleasant; And as a term of Psychology: denial is a defense mechanism in which confrontation with a personal problem or with reality is avoided by denying the existence of the problem or reality., shame, fear, stress, anxiety, and angerAnger Anger, also known as wrath or rage, is an intense emotional state involving a strong uncomfortable and non-cooperative response to a perceived provocation, trigger, hurt or threat. About one-third of scam victims become trapped in anger for extended periods of time following a scam. A person experiencing anger will often experience physical effects, such as increased heart rate, elevated blood pressure, and increased levels of adrenaline and noradrenaline. Some view anger as an emotion that triggers a part of the fight or flight response. Anger becomes the predominant feeling behaviorally, cognitively, and physiologically. Anger can have many physical and mental consequences. While most of those who experience anger explain its arousal as a result of "what has happened to them", psychologists point out that an angry person can very well be mistaken because anger causes a loss in self-monitoring capacity and objective observability.. Some days your debt may feel like it is eclipsing joy and happiness in your life. And guess what? That’s perfectly normal.

It is helpful to know that when it comes to carrying debt, you’re certainly not alone.

By understanding that it is a process, a part of your scam recovery, and accepting the emotions that come with debt, you’ll be able to manage your payments, but your emotional and mental well-being as well.

Stay Motivated

Because paying off debt can be a long and arduous journey, you’ll need to tap into your arsenal of motivational tactics to stay on top of your plan.

That is what we are here to help you with – join one of our support groupsSupport Groups In a support group, members provide each other with various types of help, usually nonprofessional and nonmaterial, for a particular shared, usually burdensome, characteristic, such as romance scams. Members with the same issues can come together for sharing coping strategies, to feel more empowered and for a sense of community. The help may take the form of providing and evaluating relevant information, relating personal experiences, listening to and accepting others' experiences, providing sympathetic understanding and establishing social networks. A support group may also work to inform the public or engage in advocacy. They can be supervised or not. SCARS support groups are moderated by the SCARS Team and or volunteers. or our victims’ forum at www.ScamVictimSupport.org

However, you are going to be doing the heavy lifting. Do not expect anyone to save you, you have to make the effort and do the work.

Track Your Progress

Get creative and go beyond templates and spreadsheets. You can track your progress by way of a debt thermometer, or create a grid of squares, with each square representing $100. Each time you pay off $100, color in each square.

We also recommend that you add your debt management to your scam victims’ journal – log important milestones and temporary setbacks!

Celebrate Your Wins

It is important to celebrate minor victories along the way, no matter how small.

Treat yourself to something simple each time you have passed a checkpoint. And once you have made your last payment on an individual debt, do something special to commemorate the occasion (within reason, of course). After all the hard work and perseverance you have put into debt repayment, you certainly deserve it.

Scam Victim Selfishness

A SCARS Guide to the Psychology of ScamsPsychology Of Scams Psychology Of Scams is the study of the psychological or emotional effects of scams or financial fraud on victims of these crimes. It helps victims to better understand the impact of scams on them personally or on others. To find the SCARS articles on the Psychology of Scams, use the search option to enter the term and find them.

Not all selfishness is bad, as you will discover in this guide!

Psychology of Scams: Scam Victim Selfishness

A Common BehaviorBehavior   Behavior / Behavioral Actions Otherwise known as habits, behavior or behavioral actions are strategies to help prevent online exploitation that target behavior, such as social engineering of victims. Changing your behavior is the ONLY effective means to reduce or prevent scams. That Leads To Romance ScamsScams A Scam is a confidence trick - a crime -  is an attempt to defraud a person or group after first gaining their trust through deception. Scams or confidence tricks exploit victims using their credulity, naïveté, compassion, vanity, irresponsibility, or greed and exploiting that. Researchers have defined confidence tricks as "a distinctive species of fraudulent conduct ... intending to further voluntary exchanges that are not mutually beneficial", as they "benefit con operators ('con men' - criminals) at the expense of their victims (the 'marks')". A scam is a crime even if no money was lost.?

Is One Of The Primary Motivations For Falling For Scams Based Upon Selfishness?

This article will be hard to read and at times it will make you angry. Please read the whole article and do not stop half-way or not just the headline or you will not understand.

An Unpleasant Component Of The Scam Victim’s Behavior

This article is going to look at a component of the scam victim’s behavior during and after the scam!

This is not intended to be an attack on you or any victim or blamingBlaming Blame or Blaming is the act of censuring, holding responsible, making negative statements about an individual or group that their action or actions are socially or morally irresponsible, the opposite of praise. When someone is morally responsible for doing something wrong, their action is blameworthy. By contrast, when someone is morally responsible for doing something right, we may say that his or her action is praiseworthy. Blame imparts responsibility for an action or act, as in that they made a choice to perform that act or action. you or to make you feel bad about yourself, but rather to get you thinking about what happened and your own behavior during the scam and afterward. By understanding your own behaviors and motivations you can help prevent future scams or similar incidents.

Remember that from the beginning you were expertly manipulated by the scammer and by your own brain » but this is an exploration of the behavior that led you to be scammed. By understanding it, you will be able to modify that behavior so that it hopefully never happens again.

It is ok if you disagree with the point of the article. We also recommend that you discuss this with your own trauma counselor or therapist.

Motivations

Remember that all human behavior is based upon common motivations. Learn more about all the motivations here »

Let’s Explore Selfishness?

There is a saying that:

A Truly Selfless Person Can Never Be Conned. They Willingly Give Everything They Have Away Except For Themselves

A Selfish Person Loses Their Self Before They Lose Their Posetions

In a profound way, this is the way of romance scams too.

Review: What Is A Romance Scam

Bluntly, it is Socially Engineered Fantasy Romance that you had with someone that is/was exploiting you for their own gain.

But the BIG question is: were you not also exploiting it for your own gain?

Like The Devil On The Doorstep, The Scammer Needs Your Permission To Enter, And You Gave It. Then It Was Too Late!

While clearly you were being expertly manipulated to a great extent, in the very beginning you walked this path because YOU wanted something out of it. That is not wrong, it just is.

This is really the only real mistake you made, you said hello, and from there the manipulation began. Byt why did you say hello in the first place?

The Path Of Recovery

Part of the challenge with scam victims in their recovery is to be truthful with themselves about what really happened and where the responsibility lies – without judging or blameBlame Blame or Blaming is the act of censuring, holding responsible, making negative statements about an individual or group that their action or actions are socially or morally irresponsible, the opposite of praise. When someone is morally responsible for doing something wrong, their action is blameworthy. By contrast, when someone is morally responsible for doing something right, we may say that his or her action is praiseworthy. Blame imparts responsibility for an action or act, as in that they made a choice to perform that act or action..

WITHOUT FULLY UNDERSTANDING THIS, YOU CAN’T CHANGE YOUR BEHAVIOR TO PREVENT IT IN THE FUTURE

We want to help you fully understand what happened, and in the process try to understand the underlying motivations for the dangerous behavior that led you to it.

No doubt, you have asked yourself this question many times:

“Why would I talk to a total stranger and let them into my life? More importantly, let them into my brain!”

Because You Wanted Something – That Is Inherently An Act Of Selfishness – Even If You Were Not Aware You Were Doing It!

For most people, during what followed, while you were trapped in your scam, you would ignore the sage advice from family and friends. Keeping secrets or lying about the money that you sent.

THAT IS ALSO INHERENTLY AN ACT OF SELFISHNESS. THAT IS ALSO THE BEHAVIOR OF AN ADDICT.

A Scam Is An Addiction

In our opinion, scams are an addiction – both physiological and psychological.

The relationship scamRelationship Scam A Relationship Scam is a one-to-one criminal act that involves a trust relationship and uses deception & manipulation to get a victim to give to the criminal something of value, such as money! Click here to learn more: What Is A Relationship Scam? manipulated your emotions, your behavior, even your dreams, and desires. In short, most scam victims would do anything for another fix during the scam – for another shot of the romance – even making themselves penniless!

Why Is It Important To Understand This?

Because like any addiction, the addiction changes the addict. We all recognize that addition is a kind of disease and needs to be treated, and recognizing these issues is a part of that treatment.

In the beginning, you had a choice, but once that choice was made most scam victims do not have the will or control to stop until they hit a wall – which in this case is the confirmation or discovery of the scam.

Sadly, in many (most?) cases it was caused by the victim running out of money! Though sometimes it was a lull or break that allowed the victim to recognize the red flags and break free.

The Scam Is Over, But …

Now what?

Now that the scam is over, you actually need to understand that you were addicted to the scam in a very real way, and how the selfish behavior that led you to be scammed has to change for you to be able to recover and to remain safe in the future. You still need to be selfish, but it is important to understand that this is a different kind of selfishness that is needed for recovery – the good kind.

There is a common misconception that when the scam stops (just like when an addict stops using), that you will become a perfect person again almost automatically. You want this to happen overnight – you are impatient, you are demanding about your recovery – when it doesn’t come that fast you zoom off on another tangent.

Do you recognize this in yourself – that this has happened to you?

People in this stage have an inner need for perfection and to regain control – the need to fix everything all at once, and to fix everyone else too.

After all, you were only doing something dangerous during the scam, right?

But NOT Now!

Now you learned your lesson and you will never let anything like that happen again, correct?

Wrong!

Although accepting the need for recovery is a huge accomplishment in itself, just stopping the scam isn’t enough. It is a long and painful process.

You will still suffer from the hopeless, powerless state of mind for quite a while. Depression, anxiety, despair, anger and hate, and extremes will plague you unless you do something about it.

Trauma just doesn’t go away all by itself. It requires work and help – from an organization like SCARS, from a trauma counselor, or a trauma therapist. But you will need help, if you deny that then you are still engaged in the high-risk behavior that led you to be scammed, maybe just of a different kind.

Getting Over A Scam Without Working On The Real Steps To Recovery Is Difficult If Not Impossible!

If you do not work on changing then you are just throwing away one fantasy security blanket for a newer, better one. But both will still be fantasies, and are just more obsessive-compulsive selfish behavior, if not fully addictive as well.

Recovery is where the real work starts. It requires affirmative action. It requires a commitment.

This action will consist of you facing and actively working on the character or behavior defects that led you to the scam in the first place.

Let’s Face It, You Will Never Be Perfect, But You Can Definitely Be Better!

Let’s Talk About You

You are just human, right? And you know that to be human means to be fallible, right?

Even if you learn and follow everything you are taught by us and our experts, or in our support groups, or by a counselor or therapist, there will still be times when you revert back to your selfish and self-seeking dangerous patterns. Because at the core, that fantasy-seeking scam addict is still in there and still self-centered.

Wow, That Was Harsh! Self-Centered???

Yes, we mean you are the center of your focus – that is what Self-Centered means.

This is neither good or bad – it just is at this stage, what you do about it determines if it is good or bad.

The only difference between the scam fantasy addiction and your recovery is that now, in your fully aware recovery self, your bad selfishness doesn’t rule you anymore, and you have the ability to recognize it and change.

You Can Learn Control

You Can Learn To Control Your Kind Of Selfishness And Redirect It!

In an active addiction – in other words, the “scam” – you are consumed with self-focus – it is all about what this means for you – your fantasy lover, your online friend, and your future spouse.

You have no real regard for others and rarely feel remorse for your disregard for others during the scam. Except maybe for the scammer!

The Pattern

How many times did you hide what was really going on? How many times did you push away family and friends? How many times did you lie about what was going on?

We are not saying you are a bad person, or that you acted out of evil. Just that you were in the middle of a very narrowly focused activity (the romance) and it was all you could think about, or maybe wanted to think about.

That is the very definition of selfishness!

Ask yourself this:

  • During the scam did you want nothing to do with anyone except your scammer fantasy boyfriend or girlfriend?
  • Were you oblivious to the feelings of others and how you affected them because all that mattered was you and your fantasy relationship?

Many scam victims will spend every waking hour chatting with their scammer. Making plans for their fantasy future. Completely unconcerned with how it affected your friends and family who saw through the scam or were worried about your behavior. Because in a real sense, NO ONE else mattered.

After the scam, your unhappiness reaches a crisis point.

  • You are panicked
  • You are afraid
  • You are angry

After the scam, it is about the money to be sure, but most victims are more afraid of how others will perceive them – isn’t that a kind of selfishness too? Shame is about how you feel, not about how others feel.

After the scam your options are clear, die or recover. Ok, that is a bit dramatic, but that really is the choice that all addicts have to make. Except that after the scam is over, you are not really an addict any more, but denial or anger can also destroy your life.

Except not everyone sees those options so clearly:

  • Many shift their focus back onto destructive selfishness again either in the form of anger, hate, and rageRage Anger, also known as wrath or rage, is an intense emotional state involving a strong uncomfortable and non-cooperative response to a perceived provocation, trigger, hurt or threat. About one-third of scam victims become trapped in anger for extended periods of time following a scam. A person experiencing anger will often experience physical effects, such as increased heart rate, elevated blood pressure, and increased levels of adrenaline and noradrenaline. Some view anger as an emotion that triggers a part of the fight or flight response. Anger becomes the predominant feeling behaviorally, cognitively, and physiologically. Anger can have many physical and mental consequences. While most of those who experience anger explain its arousal as a result of "what has happened to them", psychologists point out that an angry person can very well be mistaken because anger causes a loss in self-monitoring capacity and objective observability. or denial
  • Some do, in fact, take their own lives at this stage
  • Some learn nothing and jump right back in with another scam

The problem is that for scam victims, the core of your distress is self-centeredness!

Being selfish creatures by nature, most victims are naive and think they can completely change overnight. Yet this causes a conflict internally when it does not happen. That is one of the reasons why we see “conflict-points” at certain specific times during our recovery program timeline – such as at 6 months after the scam ends. You feel like you should be over it by then, but it can take much longer.

Most victims think they are recovering from their scam by driving themselves maniacally into the “I Hate Scammers” obsessive compulsion to fix the world – becoming a Savior for others – believing selfishly that this will somehow fix you too!  You abstained from one selfish obsession and replaced it with another.  But you didn’t really work at your own recovery and remain miserable and selfish – in anger or denial.

Remember, we are not attacking you, but are trying to help you break down the things that led you to this point and help you work through to the other side!

Good, Neutral, and Bad Selfishness?

Despite the negative connotation of “selfish,” selfishness is not always bad. That is what you need to understand because the selfishness you need now is the good kind.

Most victims never listen to suggestions, do not work with a recovery program, counseling or therapy, or do not join real crime victims support groups (there is only a handful of real support groups for scam victims and they are almost all under the SCARS umbrella.)

Why is that?

Because they are still trapped in the bad kind of selfishness – still angry and hating, or still in denial.

For example, we see some victims negatively reacting to other victims who show their vulnerability with hostility and criticism. Those who stopped their scam before they sent money have great trouble understanding how people could be so “dumb” as to send thousands to a scammer. This is a completely selfish statement. But this is also real-life behavior for many victims.  They have trouble with others who experienced it worse than them, and it makes them uncomfortable instead of compassionate. They make it about them – the bad kind of selfishness.

Few Victims Realize That Even After The Scam, They Can Still Be The Problem

The constant worry about how you looked or what others thought of you or what you thought of yourself, is getting you nowhere.

However, for those that follow a recovery program (such as the SCARS recovery program) or join a real SCARS support groupSupport Group In a support group, members provide each other with various types of help, usually nonprofessional and nonmaterial, for a particular shared, usually burdensome, characteristic, such as romance scams. Members with the same issues can come together for sharing coping strategies, to feel more empowered and for a sense of community. The help may take the form of providing and evaluating relevant information, relating personal experiences, listening to and accepting others' experiences, providing sympathetic understanding and establishing social networks. A support group may also work to inform the public or engage in advocacy. They can be supervised or not. SCARS support groups are moderated by the SCARS Team and or volunteers. after the scam, they begin to see that their selfishness took them in the wrong direction. In a manner of speaking, they got on their knees and surrendered to it. They surrendered to the anger and fear. They surrendered to the same kind of selfishness that led them into the scam to begin with.

Victims do not want to be this way, but most are not thinking about themselves as being at the center of their issue. They think the scammer is the only problem. So they take it out on everyone around them and are miserable to be around.

Stop The Guilt

You are consumed with so much guilt and self-hate.

You either want to hide or to run around and save everyone! There seems to be no middle ground. Just a swing one way or the opposite extreme.

To recover you have to stop the guilt-tripping over the money or how you fell for a fake romance and a scammer. You need to recognize certain basic truths:

  • The scam is over
  • You now need to be responsible and a good citizen again
  • You need to report the scammer to the police (and here or Anyscam.com too) – to people that can use your information for good
  • You need to recognize how little you really know about global crime and not think you are an expert because you got scammed
  • You need to be truly selfish and focus not on the scammer but on yourself – the good kind of selfishness!
  • You need to set aside the shame and the guilt and be honest again – with yourself and others!
  • You need to make it right with your family and friends

So, Is Selfishness (Thinking Of Yourself First) Good Or Bad?

If you read enough self-help literature, you can’t help but notice a different view about thinking of yourself! At first glance, that seems to contradict the bad press about selfishness.

What You Need Is Self-Care! Self-Centered Care!

The label Self-Care refers to prioritizing your own physical health and psychological well-being by engaging in good eating habits, exercise, sleep, relaxation, and enjoyable activities every day. It also means setting your guilt and pride aside to listen to true experts in recovery.

Proponents of self-care and recovery point out that unless you take care of yourself first, you will not be well enough to help and take care of yourself, much less others.

As flight attendants tell passengers, “If you are traveling with a child or someone who requires assistance, secure your own mask first and then assist the other person.” This is exactly what every person that enters a recovery program should think – you will have to recover yourself first and then you can think about others.

The real question about good selfishness is “Good for what (or whom)?” Or the deeper question is “Who benefits from my selfishness?

The simple (and wrong) answer to this question is that when you behave selfishly it is always good for you but bad for others.

True, there are many cases where people benefit (at least temporarily) at the expense of others. That happened during the scam. The most obvious example of that is being a MULE » – helping yourself by helping your scammer at the expense of others.

Experts refer to the use of manipulation to take from others what they do not want to voluntarily give up as a “One-Sided Transaction.” This is a “Win-Lose” transaction where one person gains while another loses. A romance scam is a clear win-lose transaction where one person was emotionally manipulated by another.

However, victims also do this while they are 100% focused on their fake romance.  You pressured others to do something they did not want to do by making them feel guilty if they didn’t, or by yelling or withdrawing or being unpleasant in some other way. You were “bad selfish” and got what you wanted at their expense – for a while – until it all crashed and burned.

The reason that one-sided or win-lose transactions are not always good for you is that there are negative consequences for you that outweigh the temporary gains. Obviously, every scam victim understands that. But even simple emotional manipulation can have disastrous long-term consequences. If you exploit people they become less likely to cooperate or support others voluntarily.

Many times we have to reject people from our SCARS support groups because of this and refer them to professional counseling or therapy for help!

Neutral Selfishness

Then there is what is called “Neutral Selfishness.”

Neutral selfishness includes looking after your own well-being in ways that do not directly and substantially involve other people. If you take five minutes to brush your teeth to avoid the ill effects of tooth and gum disease, this is a form of neutral selfishness. In looking after your dental hygiene, you are neither taking away from someone’s well-being nor adding to it. The same would be true if you take 10 minutes every morning to meditate.

There are always people in need, so any behavior designed for your own benefit takes time away from what you could be doing to benefit others, but how much help can you be to others if you don’t look after your own physical and psychological health first? Right?

Good Selfishness

Ignoring the bad selfishness and neutral selfishness for a moment, there is also “Good Selfishness,” which benefits both ourselves and other people.

Good selfishness is a “two-sided transaction“, an exchange where two people willingly part with something in order to gain something they each value. Both people are winning something they want, so this is a “win-win transaction.”

The clearest example of a two-sided transaction is a simple exchange. If you trade a copy of a Beyonce song for a copy of a Beatles’ song each of you both feels like you are gaining in the swap.

Interactions in a support group are like this too! If you speak up and support others, and they then support you, it is a win-win. But If others are participating and supporting others while you sit in silence you are taking but not returning anything in kind. This is neither good for the overall group nor good for you.

Two-sided transactions involve far more than economic exchanges of goods and services. Any time you do something with or for someone else because you enjoy it more than doing it alone, you have a two-sided transaction. If you go to a movie with a friend, you “exchange” knowing glances, laughter, and conversation, all of which enhance the experience for both of you it is a two-sided transaction. The same can be said for attending concerts, watching sporting events, and sitting on the beach.

Some activities, such as putting on a theatrical production, playing basketball, engaging in sex, and taking a course in positive motivation with a friend, actually require the participation of more than one person. As long as all partners in these activities are willing participants who are getting something of value that is worth what they are investing in the activity, these are all examples of two-sided transactions. All are forms of good selfishness—interactions that are good for you and for both people.

That is exactly the model we follow in our SCARS recovery programs and support groups.

After the scam, you need to focus on yourself, but also contribute (as best you are able) in an environment of other victims who are also sharing. The dropping of shame and guilt, and the sharing of your situation, your experience, or your story is selfish to be sure, but it is also sharing – thus the good kind of selfishness!

You also need to drop the shame and reconnect with your family and friends, and help them to understand what happened, as well as permitting them to help you is also selfishness, but the good kind too!

You Will Still Fall Short Sometimes

Remember you are not perfect, and you will have your good days and your bad.

Sometimes you will relapse into the bad kind of selfishness, but as long as you are aware of these differences and continue to steer your way through them, you will improve and recover.

Your recovery will be one of the hardest things you will ever do, but by being selfish for yourself and at the same time being open and honest with others, your behavior will change for the better. You will be able to recover and diminish the bad selfishness from your life, which ironically also helps you avoid scams in the future!

It helps with future scams in several important ways:

  • You will share information with others and in listening learn more than you can imagine
  • You will learn more from the SCARS experts who are truly willing to help you
  • You will stabilize yourself emotionally and be less vulnerable than you were the first time
  • You will be better able to see the red flags clearly without the blinding filter of selfishness that you experienced the first time

We provided this guide, not because we expect each of you to be Mother Teresa, but because these are truly important concepts that so many victims ignore and never learn.

You can recover. You can get your life and stability back. But you can make yourself a better person in the process!

We Hope You Do Recover!

This is a part of the reason why we are here – to help you!

THE ABOVE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY, AND NOT AS A RECOMMENDATION FOR ANY THERAPY. WE ENCOURAGE OUR READERS TO SEEK COMPETENT MEDICAL OR MENTAL HEALTHMental health Mental health, defined by the World Health Organization (WHO), is "a state of well-being in which the individual realizes his or her own abilities, can cope with the normal stresses of life, can work productively and fruitfully, and is able to make a contribution to his or her community". According to WHO, mental health includes "subjective well-being, perceived self-efficacy, autonomy, competence, intergenerational dependence, and self-actualization of one's intellectual and emotional potential, among others". From the perspectives of positive psychology or of holism, mental health may include an individual's ability to enjoy life and to create a balance between life activities and efforts to achieve psychological resilience. Cultural differences, subjective assessments, and competing professional theories all affect how one defines "mental health". ADVICE ALWAYS.

This Information Is Provided For Educational Purposes Only

RomanceScamsNOW.com (the website and its content) is not intended to be a substitute for professional advice, diagnosis, medical treatment, medication, or therapy. Always seek the advice of your physician or qualified mental health provider with any questions you may have regarding any mental health symptom or medical condition. SCARS is not authorized to make recommendations about medication or serve as a substitute for professional healthcare advice. Never disregard professional psychological or medical advice or delay in seeking professional advice or treatment because of something you have read on RomanceScamsNOW.com.

Always Report All Scams – Anywhere In The World To:

U.S. FTCFTC The Federal Trade Commission (FTC) is an independent agency of the United States government whose principal mission is the enforcement of civil (non-criminal) U.S. antitrust law and the promotion of consumer protection. The FTC can also act as a clearinghouse for criminal reports sent to other agencies for investigation and prosecution. To learn more visit www.FTC.gov or to report fraud visit ReportFraud.FTC.gov at https://reportfraud.ftc.gov/#/?orgcode=SCARS and SCARS at www.Anyscams.com

PLEASE SHARE OUR ARTICLES WITH YOUR FRIENDS & FAMILY

HELP OTHERS STAY SAFE ONLINE – YOUR KNOWLEDGE CAN MAKE THE DIFFERENCE!
THE NEXT VICTIM MIGHT BE YOUR OWN FAMILY MEMBER OR BEST FRIEND!

SCARS the Society of Citizens Against Relationship Scams Incorporated

By the SCARS™ Editorial Team
Society of Citizens Against Relationship ScamsSCARS SCARS - Society of Citizens Against Relationship Scams Inc. A government registered crime victims' assistance & crime prevention nonprofit organization based in Miami, Florida, U.S.A. SCARS supports the victims of scams worldwide and through its partners in more than 60 countries around the world. Incorporated in 2015, its team has 30 years of continuous experience educating and supporting scam victims. Visit www.AgainstScams.org to learn more about SCARS. Inc.

A Worldwide Crime Victims Assistance & Crime Prevention Nonprofit Organization Headquartered In Miami Florida USA & Monterrey NL Mexico, with Partners In More Than 60 Countries
To Learn More, Volunteer, or Donate Visit: www.AgainstScams.org
Contact Us: Contact@AgainstScams.org

The Issue Of Race In Scam Reporting
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