⚠ They demand you pay with gift cards, wire, or crypto
⚠ They say it's urgent — you must act RIGHT NOW
⚠ They claim to be the IRS, Social Security, or Medicare
⚠ They say your computer has a virus and to call them
⚠ They say you won a prize but must pay fees first
⚠ They ask for Medicare, Social Security, or bank numbers
⚠ A family member is "in trouble" and needs cash NOW
⚠ They ask you to keep the call secret from family
⚠ Caller ID looks local but something feels off
⚠ They offer to fix a problem you didn't know you had