Image courtesy Canva

Whether by phone, email, or fraudulent websites, consumers face constant attempts of scammers trying to steal money or personal information.

Experts say knowing common tactics can help people stay safe. Scammers often pretend to represent organizations such as the Social Security Administration, IRS, Medicare, utility companies, or charities, using technology to make phone numbers appear legitimate.

Many scams create a sense of urgency, claiming there is a problem that needs immediate attention, such as owing money, a family emergency, or a computer virus. They may pressure victims to act quickly, insisting there is only one way to pay, often through cryptocurrency, wire transfers, apps, or gift cards.

Consumers are encouraged to resist acting immediately, verify claims independently, and limit exposure to suspicious communication channels. Steps include blocking numbers, filtering texts, protecting devices with updates, and avoiding sharing personal or financial information without verification.