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A victim may even get a call from an accomplice who claims to be a lawyer or doctor to lend credibility to the tale.

Be wary of sending money to someone you have never met in person, especially via a wire transfer service, like Western Union or Money Gram, or a prepaid money card, like Green Dot.

Today, scammers are increasingly asking people to pay money with reloadable, pre-paid debit cards How to Spot a Scam Scammers are constantly reinventing new ways to perpetrate old ploys.

Whether you're contacted by phone, mail, email, text, or in-person, the following tips provide advice on how to spot a scam.

In the first scenario, the scammer may indirectly ask for money.

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