Recognize

If you think you have experienced by a debt management scam, we recommend that you act immediately by following our guidelines below, and then proceed to our ReportRecover, and Reinforce sections for further assistance.

Some Immediate Action Steps to Take

  • Collect all relevant documentation related to the scam and keep them in a secure file. You may need to provide this documentation when you file a report.
  • If you have wired money or made a payment and suspect it is a scam, contact your financial institution and/or the money service you used right away.
    • You can reach the complaint department of MoneyGram at 1-800-MONEYGRAM (1-800-666-3947) or Western Union at 1-800-448-1492.
      • If you suspect that a friend or family member is being victimized as a result of fraud, you can file an interdiction request which will block that person from transacting with Western Union. Send an email request to BeFraudSmart@westernunion.com.
  • Find out if your local law enforcement agency will take a report at the non-emergency number.
  • Contact your State Consumer Protection Office to ask if there are any consumer complaints on file about the company you’re considering.

Report

Recover

These resources have been gathered, selected and vetted to help simplify the process of recovering after a cybercrime incident has taken place. You may need to contact organizations outside FightCybercrime.org. Results will vary depending on your circumstances.

Reinforce

Once you have notified the appropriate organizations and you are on the road to recovery, it is time to reinforce your cybersecurity using these resources and tools.

Implement Preventative Measures

  • Do your research before enrolling in a debt settlement program. Use the Better Business Bureau to find reputable debt management companies near you.
  • Don’t pay a company up front before you have seen results.
  • Avoid giving out your credit card or bank account information over the phone unless you initiated the contact or have already established trust.
  • Place your phone number on the Do Not Call Registry by visiting www.DoNotCall.gov.
  • Do not respond to suspicious junk mail or emails from strangers.
  • Be sure websites are secure before submitting your Social Security number or personal information. Find out how to spot a fake website.
  • Download our Six Steps to Better Security PDF.

Community Resources

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