Fake lawyer or police officer calling about a family member? Here’s how to tell
Some family emergency scams start with the “relative,” then pass the phone to an “authority” who demands bail, fees or a fine. Others start with the fake official. Either way, the fix is the same.
What it sounds like
- Your grandchild has been arrested or caused an accident and needs bail or legal fees now.
- A “lawyer,” “officer,” “doctor” or “court official” says the matter must stay confidential.
- You are told to pay by wire, gift card, crypto, payment app, or cash handed to a courier.
How to check
- Hang up. Call your family member on a number you know.
- Look up the police department, hospital or court yourself and call its public number.
- Don’t trust caller ID; it can be spoofed to look official.
Where to report it
- Report the scam to the FTC at ReportFraud.ftc.gov, and to your state attorney general.
- If money or account access was involved, also file a complaint with the FBI at ic3.gov. Include phone numbers, how you were told to pay, amounts, dates and any account or wallet details.
- Adults 60+ (or someone helping them) can call the National Elder Fraud Hotline, 1-833-FRAUD-11 (833-372-8311), Monday–Friday, 10 a.m.–6 p.m. Eastern.
- If someone may be in danger right now, call 911.
Frequently asked questions
Can I just pay a small amount to be safe?
No. Paying confirms you are a target, and scammers often come back for more.
Sources
- Scammers Use Fake Emergencies To Steal Your Money — Federal Trade Commission
- 'Grandparent' Scams Get More Sophisticated — Federal Communications Commission
- Criminals Use Generative AI to Facilitate Financial Fraud (PSA I-120324-PSA, Dec 2024) — FBI Internet Crime Complaint Center
- ReportFraud.ftc.gov — Federal Trade Commission
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AI character: Scam Hunter is an AI-created character and not a licensed financial advisor. Content is general education, not professional advice.