{"id":355749,"date":"2019-07-26T11:17:03","date_gmt":"2019-07-26T16:17:03","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/elder\/elder-care-law\/crimes-against-the-elderly-email-scams-and-telemarketing-fraud.html"},"modified":"2026-07-02T20:25:00","modified_gmt":"2026-07-03T01:25:00","slug":"crimes-against-the-elderly-email-scams-and-telemarketing-fraud","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/elder\/elder-care-law\/crimes-against-the-elderly-email-scams-and-telemarketing-fraud.html","title":{"rendered":"Crimes Against the Elderly: Scams and Fraud"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n<div class=\"fl-page-articles fl-section-main fl-section-main-full-width\"><h1 class=\"fl-no-margin-top\">Crimes Against Older Adults: Scams and Fraud<\/h1>\n\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw Staff<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/melissa-bender-esq\/\">Melissa Bender, Esq.<\/a>\n                | Last updated\n        <time>\n                            July 02, 2026\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n\n\n<div class=\"fl-key-takeaways fl-mb30\" data-testid=\"fl-key-takeaways\">\n    <div class=\"fl-card-content\">\n        <div class=\"fl-card-body fl-card-bg-teal fl-flex fl-flex-column\">\n                            <h2 class=\"fl-card-title fl-h2 fl-no-margin\">Key Takeaways<\/h2>\n                        <p>Older adults are frequent scam targets because scammers exploit isolation, trust, and gaps in digital literacy, often using impersonation, urgency, or fear to make fraud seem legitimate. When seniors share money or personal information, the consequences can include identity theft and significant financial loss.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<p>Many scams have become so sophisticated that they look, sound, and feel exactly like the company you believe you are dealing with. Even tech-savvy people can fall for these scams. Scammers have been known to supply law enforcement badge numbers and threaten jail time or financial exploitation if you do not cooperate.<\/p>\n<p>There are\u00a0<a href=\"https:\/\/www.cl.cam.ac.uk\/techreports\/UCAM-CL-TR-754.pdf\" target=\"_blank\" rel=\"noopener\">psychological reasons why scams work<\/a>. Often, victims of fraud want the scam to be true. From winning a prize to trying to avoid a crime, many people will follow orders if they believe it helps them. Unfortunately, these scams often target vulnerable people, especially senior citizens, who scammers see as easy targets.<\/p>\n<p>But you can help prevent your loved one from being taken advantage of. Spotting red flags early and stepping in when they seem confused, pressured, or excited about a recent contact attempt is key to preventing financial harm. If an elderly loved one has already fallen for a scam, report it immediately. Act quickly to shut down unauthorized accounts, challenge fraudulent charges, and protect sensitive information. You can also <a href=\"https:\/\/lawyers.findlaw.com\/elder-law\/\" target=\"_blank\" rel=\"noopener\">contact an attorney<\/a> for legal help.<\/p>\n<p>This article discusses scams and fraud that target older adults. You&#8217;ll also learn warning signs to watch for, legal protections, how to report a scam, and more.<\/p>\n<h2>Why Scammers Target Older Adults<\/h2>\n<p>Scammers often are trained to\u00a0<a href=\"https:\/\/www.findlaw.com\/elder\/elder-abuse\/elder-financial-abuse-and-exploitation.html\">target older adults<\/a>\u00a0because they can be:<\/p>\n<ul>\n<li>Unfamiliar with technology or that these scams exist<\/li>\n<li>Lonely (living alone or having little contact with others)<\/li>\n<li>Financially sound, with bank accounts that house their life savings<\/li>\n<li>Vulnerable, with undiagnosed or progressively worsening physical or mental ailments<\/li>\n<\/ul>\n<p>The FBI closely monitors current scams and offers a realistic look at\u00a0<a href=\"https:\/\/www.fbi.gov\/scams-and-safety\/common-fraud-schemes\/seniors\" target=\"_blank\" rel=\"noopener\">why scams often target older victims<\/a>. It may fall on you to keep an eye on your older relatives to watch for any elder fraud scams targeting their finances or well-being.<\/p>\n<h2>Spotting Telemarketing and Email Scams<\/h2>\n<p>Whether by email or phone, scams are designed to scare or entice someone into taking fast action. Scammers may ask seniors for debit or credit card numbers or other information that can lead to financial abuse.<\/p>\n<p>Some even involve an individual impersonating someone else to extract money. This is called an imposter scam. The Justice Department keeps an <a href=\"https:\/\/www.justice.gov\/elderjustice\/senior-scam-alert\" target=\"_blank\" rel=\"noopener\">updated list of the most common scams<\/a>, including:<\/p>\n<ul>\n<li>Tech support or IT scams<\/li>\n<li>Drug smuggling scams<\/li>\n<li>Dating sites or romance scams<\/li>\n<li>Lottery scams or sweepstakes scams<\/li>\n<li>IRS and tax scams<\/li>\n<li>Grandparent scams<\/li>\n<\/ul>\n<p>The Federal Bureau of Investigation (FBI) provides real\u00a0<a href=\"https:\/\/www.fbi.gov\/how-we-can-help-you\/scams-and-safety\" target=\"_blank\" rel=\"noopener\">examples of what telemarketers may say<\/a>\u00a0to convince someone to hand over information. Statements like &#8220;this deal won&#8217;t last&#8221; or &#8220;your finances are at risk&#8221; should raise red flags when you hear them. Other examples of common scams include:<\/p>\n<ul>\n<li>Someone calls and claims that a loved one has been arrested, and a credit card needs to be provided over the phone to post bail.<\/li>\n<li>Someone sends a message via social media pretending to be a friend or family member asking for money or electronic gift cards.<\/li>\n<\/ul>\n<p>If the scam is via email, you should <a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/online-safety.html\">pay close attention to the language used<\/a>. For example, there may be typos, strangely worded sentences, or urgent statements that seem out of place.<\/p>\n<p>A good rule is to be extra careful if a phone call or email asks for money\u2014these are almost always scams.<\/p>\n<h2>The Financial Consequences of a Scam<\/h2>\n<p>Scams can devastate people&#8217;s finances. There are cases of life savings being stolen and even\u00a0<a href=\"https:\/\/blogs.findlaw.com\/common_law\/2019\/04\/feds-break-up-massive-medicare-telemarketing-scam.html\" target=\"_blank\" rel=\"noopener\">telemarketing medical scams<\/a>\u00a0that take advantage of Medicare and other health care benefits. These scams are also endlessly creative. Some are even designed to take small amounts from unsuspecting people, hoping no one will notice.<\/p>\n<h2>Warning Signs for Family Members<\/h2>\n<p>Pay attention if your parent, grandparent, or loved one mentions anything that sounds like a scam. It can be as simple as them saying a call or <a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/what-is-email-phishing-and-spoofing.html\">email confused them<\/a>, or mentioning a new friend or caregiver you do not know. Some people will tell you they are excited about a prize they won, a person they helped, or their new relationship.<\/p>\n<p>Things can become complicated when your loved one truly believes the scam is real or becomes forgetful about these scams happening. This leads to difficult conversations or arguments when you tell them to stop.<\/p>\n<p>If you have access to credit cards or accounts, setting up fraud or high-spending alerts may be a good idea to help you keep track. Monitoring vulnerable adults&#8217; calls or emails can help stop some scams in their tracks.<\/p>\n<p>Ultimately,\u00a0seeking a power of attorney\u00a0is the only way to\u00a0<a href=\"https:\/\/www.findlaw.com\/elder\/elder-care-law\/seniors-money-and-property.html\">prevent someone from sending money<\/a>\u00a0or supplying private information. You can get\u00a0<a href=\"https:\/\/www.findlaw.com\/forms\/power-of-attorney-form.html\">DIY power of attorney forms<\/a>\u00a0for a small fee.<\/p>\n<h2>How To Talk to Your Older Adult Loved One About Scams and Fraud<\/h2>\n<p>Starting a conversation about scams with your older loved one is important. Share common scam information and stress staying informed. Encourage caution with unsolicited calls and set up safeguards like call screening and secure passwords to prevent fraud. This helps them to avoid falling victim to scams.<\/p>\n<p>These discussions are not always easy, but they may be vital. Reiterate to your loved one that you are open and available to look at any email, voicemail, or social media message they may be unsure about.<\/p>\n<h2>Legal Protections and Laws for Older Adult Scams<\/h2>\n<p>U.S. laws and Federal Trade Commission (FTC) regulations offer legal protections from scams and fraud:<\/p>\n<ul>\n<li><b>U.S. Code Unannotated Title 18 Crimes and Criminal Procedure\u00a0<a href=\"https:\/\/codes.findlaw.com\/us\/title-18-crimes-and-criminal-procedure\/18-usc-sect-1341.html\" target=\"_blank\" rel=\"noopener\">Section 1341<\/a>:\u00a0<\/b>Legal protection from frauds and swindles<\/li>\n<li><b>Federal Trade Commission (FTC):\u00a0<\/b>An organization that\u00a0<a href=\"https:\/\/www.consumer.ftc.gov\/\" target=\"_blank\" rel=\"noopener\">enforces the U.S. laws<\/a>\u00a0in cooperation with the Better Business Bureau (BBB) and the FBI.<\/li>\n<\/ul>\n<h2>How To Report a Scam<\/h2>\n<p>If you suspect your loved one has opened or responded to an email or <a href=\"https:\/\/www.findlaw.com\/criminal\/criminal-charges\/telemarketing-fraud.html\">telemarketing scam<\/a>, further steps may not be needed. In many cases, you can block the email or phone number, and the contact will cease.<\/p>\n<p>However, suppose your loved one gives out personal information, such as credit card numbers or Social Security numbers. In that case, you may want to work with credit card companies or banks to stop any financial scams or identity theft. You can also visit the U.S. Department of Justice\u2014Elder Justice Initiative for <a href=\"https:\/\/www.justice.gov\/elderjustice\/senior-scam-alert\" target=\"_blank\" rel=\"noopener\">senior scam alerts<\/a> and how to report an incident.<\/p>\n<h2>Get Legal Help: Contact an Attorney<\/h2>\n<p>After reporting a scam, consider contacting an <a href=\"https:\/\/www.findlaw.com\/elder\/what-is-elder-law\/what-does-an-elder-law-attorney-do.html\">older adult law attorney<\/a>. After a scam, getting legal help can be a lifeline. An experienced attorney can step in to advise on the next steps to prevent further financial damage. They can pursue financial crimes in court and work with law enforcement to ensure your loved one&#8217;s rights are protected.<\/p>\n<p><span data-sheets-root=\"1\">FindLaw&#8217;s directory of <a href=\"https:\/\/lawyers.findlaw.com\/elder-law\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">elder law attorneys<\/a> can be your first step. Start by entering your city or ZIP code for a list of qualified legal professionals near you. Because state laws are relevant, your lawyer should be licensed in your state. Your search results will also show important details about prospective attorneys, like ratings and whether they offer free case evaluations.<\/span><\/p>\n\n\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" 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<fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    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          class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"fl-section-sidebar\"><div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?\u00a0<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    You can block numbers, report scams, and monitor accounts on on your own\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Cases with criminal 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<\/div>\n<\/div>\n<\/div>\n\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>Many scams target older adults who live alone. Learn more about the most common scams and the warning signs to watch out for to protect your loved one.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":355745,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":["SEO Title Length","External Links","Category Assigned","Alt Text for All Images"]},"categories":[2738],"tags":[],"state_laws_tags":[],"flmsa":[],"class_list":["post-355749","page","type-page","status-publish","hentry","category-elder"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/355749","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=355749"}],"version-history":[{"count":2,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/355749\/revisions"}],"predecessor-version":[{"id":399401,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/355749\/revisions\/399401"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/355745"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=355749"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=355749"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=355749"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=355749"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=355749"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}