Protecting you from scams
This is the most valuable hour we spend with anyone. Older adults are targeted deliberately and relentlessly, and the current wave of scams is far more convincing than the old ones — spoofed caller ID, a grandchild's cloned voice, a fake fraud alert from your own bank. We'll walk through exactly what these look like, set up the protections that help, and give you a simple rule for what to do when something feels off.
The shape every scam shares
The stories change constantly. This pattern doesn't. If a message has all three, it is a scam — it does not matter how well it knows your name, or whose voice it uses.
Example text message · unknown number
Hi, it's your grandson. I'm in trouble and I need help right now. Please don't tell Mom and Dad. Can you buy gift cards and text me the numbers on the back?
- 1
Urgency
It has to be right now. An account will close, a warrant is out, a grandchild is in trouble tonight.
Real organizations let you call them back.
- 2
Secrecy
Don't tell your family. Don't tell the bank why. Stay on the phone while you drive there.
Nothing legitimate needs you to hide it.
- 3
Odd payment
Gift cards, wire transfer, crypto, or an app you've never used. Sometimes cash to a courier.
No agency or bank is ever paid this way.
The rule, if you remember nothing else
Hang up. Then call the person or the company back yourself, on a number you already had — not one they gave you. A real caller will not mind at all. A scammer cannot survive it.
- What current phone, text and email scams actually look like
- The grandparent scam, and why the voice can sound right
- Fake virus warnings and tech support scams
- Call screening and spam filtering set up on your phone
- A simple, written rule for what to do when you're not sure
- What to do immediately if you think you've already been caught