Dealing with a loved one who does not believe they are being scammed can be very challenging. Scammers often use sophisticated psychological tactics that create strong emotional bonds or fear, making it hard for victims to recognize the fraud or accept help. The first step is to approach the situation with patience and empathy, understanding that your loved one may feel embarrassed, ashamed, or afraid of losing control over their finances or independence.
It helps to gently express your concerns without accusing or blaming. Share specific reasons why you suspect a scam, such as inconsistencies in the story or unusual requests for money or personal information. Encourage them to talk about the situation openly and listen carefully to their perspective. Avoid confrontations that might make them defensive or more resistant.
If your loved one has shared personal details or transferred money, advise them to immediately contact their bank or credit card company to stop further losses and change passwords on all accounts. Document all communications and transactions related to the suspected scam. Reporting the scam to authorities such as the Federal Trade Commission or local law enforcement can also be important, even if your loved one is reluctant. This can help protect others and possibly aid in recovery efforts.
Sometimes, victims resist help because scammers create a sense of urgency or fear that overrides logical thinking, a phenomenon known as an “Amygdala Hijack.” Understanding this can help you remain calm and supportive rather than frustrated. Suggest involving a trusted third party, like a financial advisor or counselor, who can provide an objective opinion.
Protecting yourself is also crucial. Avoid engaging with the scammer on behalf of your loved one, as this can complicate matters. Instead, focus on supporting your loved one emotionally and helping them take practical steps to secure their finances and identity.
Resources such as FightCybercrime.org offer peer support and counseling for scam victims. Sharing stories and experiences can reduce the stigma and empower your loved one to accept help. Remember, recovery begins when the victim acknowledges the scam and reaches out for support, which can take time.
Sources
https://lawforseniors.org/topics/money-and-debt/fraud-and-scams/foreclosure-relief-scams
https://www.consumerfinance.gov/consumer-tools/fraud/
https://www.legalshield.com/blog/how-to-help-get-your-money-back-from-a-scam
