Red Flags vs. Legitimate Requests
Developing a quick mental filter can help you navigate confusing phone calls or emails. Keep this comparison in mind when evaluating unexpected communications regarding your money.
| Behavioral Category | Legitimate Organization | Scammer / Fraudster |
|---|---|---|
| Method of Initial Contact | Sends formal notices via U.S. Mail; rarely calls unprompted regarding severe issues. | Calls unexpectedly; sends urgent text messages; uses alarming computer pop-ups. |
| Payment Demands | Accepts credit cards, checks, or direct portal payments through recognized banking channels. | Demands gift cards, wire transfers, cryptocurrency, or sending cash hidden in a magazine. |
| Pacing and Urgency | Provides due dates; allows you time to consult an accountant or attorney. | Creates extreme panic; demands immediate action; threatens imminent arrest or financial ruin. |
| Secrecy | Encourages you to verify information and discuss matters with your family. | Demands absolute secrecy; instructs you to lie to bank tellers regarding large withdrawals. |
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