What To Do If You Got Scammed: A Step-by-Step Recovery Guide

Getting scammed happens to smart, careful people. Scammers are professionals — they do this for a living. If you've been scammed, don't waste time on shame. Focus on damage control.

Step 1: Stop All Communication

Immediately stop responding to the scammer. Block their number, email, and social media profiles. Don't engage even if they threaten you — threats are part of the scam.

Step 2: Secure Your Accounts

Change passwords on any accounts that may be compromised. Start with your email — if a scammer has access to your email, they can reset passwords on everything else. Enable two-factor authentication everywhere.

Step 3: Contact Your Bank

If you sent money, call your bank or credit card company immediately. Many banks can reverse transactions if reported quickly. For wire transfers, contact the receiving bank as well.

Step 4: Report the Scam

• •FTC: reportfraud.ftc.gov
• •FBI Internet Crime Complaint Center: ic3.gov
• •Your local police department (file a report for your records)
• •The platform where the scam occurred (Facebook, Instagram, etc.)
• •Your state attorney general's office

Step 5: Monitor for Identity Theft

If you shared personal information (SSN, date of birth, address), place a fraud alert with the three credit bureaus: Equifax, Experian, and TransUnion. Consider a credit freeze to prevent new accounts from being opened in your name.

Step 6: Document Everything

Screenshot all communications with the scammer, save emails, note phone numbers, and keep records of any financial transactions. This documentation will be crucial for law enforcement and insurance claims.

Remember: you are not stupid for getting scammed. You were targeted by someone who does this professionally. What matters now is taking action to protect yourself going forward.