How To Avoid Scams And Schemes:2020 Review


Nowadays with easy access to the internet, scammers are in every corner of our current life trying to steal our money, our identity, and even our private life.

In my humble post, I will try to discuss a few common scams and schemes most of us probably, have been through or heard about them and then I will show you how to avoid them.

I am very sure there are a lot of scams if not ton of them out there, but the reasons I want to focus only on 5 top scams and frauds is because they are very common and the majority of people are facing them on daily basis.

Here are my 5 top common scams and schemes I personally suggest to avoid immediately, and my tips on how to get rid of them.

5 Top common scams and Schemes:

  • Identity theft
  • Housing scams
  • Phone calls
  • IRS scams
  • Pyramids schemes

Before I start talking about what type of help you will get if you are involved in scams and frauds. I have one piece of advice I want to share with you is please try to report any scams immediately to the closest agencies or the phone numbers of the authorities concerned, I will make sure to mention below within this blog couple phone numbers and the website you can use.

This is the best way to stop scammers from doing this and help others not to get ripped off as well.

Let’s start then,

Identity theft:


common scams and frauds

                              Identity Theft

Identity theft is when someone steals your personal information and uses it to commit fraud like applying for a credit card under your own information, get medical services, or even file taxes with it.

If this happens to you, you will be probably victim and you will receive bills for items you didn’t buy, you may get denied for a loan application and definitely, you may, as well, get calls from debt agencies for an account you did not open.

There are several types of Identity theft you should be aware of :

Medical Identity theft, as I mentioned above: someone will steal your medical records or your health insurance information to send you fake bills.

Another type of Identity theft is called: Tax Identity theft is when someone steals your SNN( Social security number)to falsify file tax returns with IRS.

Be careful!

Well, once you noticed that your Identity is at risk, and something is going wrong .You  should immediately call your bank and close all your accounts and have them start the investigation on what is missing on your accounts.

Secure your social security card in a safe place and NEVER give your number over the phone.

Shred receipts, account statements, and expired credit cards to prevent dumpster stealers from getting your personal information.

Don’t share your personal information over the phone such as your bank account, your birthdate.

Set up a complex and hard to guess password for all your accounts.

Make sure to review your credit cards and bank statements and compare your receipts with your account statements.

To sump,

If you encounter one of these identity thefts aspects happens to you, Immediately report the incident by calling: 1877-438-4338 or to Federal Trade Commission(FTC).

You can also report it online at www.Identitytheft.gov.

Housing scams:

common scams and fraud

                          Housing scams

Another aspect of scams and frauds is called: Housing scams.

In order to avoid this type of scams and frauds, you should be aware of major signs and rip-offs actions scammers are using so you can be alert, for example :

  • If you face any financial problems on making payments for your home and thinking of foreclosure options, never have to pay any upfront fees for foreclosure or prevention counseling if you have been asked to.
  • Don’t answer emails and phone calls soliciting for financial information because housing counselors do not request personal financial information over the phone or by e-mail. Thus any loan modification any documents requested should be collected and signed in person.
  • Stop making mortgage payment advice is A Scam: a legitimate housing counseling agency will never tell you to stop making a payment or transfer the payment to the agency instead of the lender if you are paying your mortgage. So be careful. If this happens to you, you should contact your lender and a HUD-approved housing counseling agency as soon as you can (US department of housing and urban development).
  • Signing your house paperwork under pressure is a big alert: a legitimate counselor will never offer you to fill out the paperwork for you nor will you never rush you through signing in paperwork. Scammers will put pressure on you and have you sign the loan paperwork without reading all terms and conditions of getting a loan or making modifications to your purchase agreement.

If you believe that you are facing one of the above scams acts, please don’t hesitate to a HUDapproved agency in your area. or call the national hotline number at 1888-95-Hope.

Avoid working with anyone who will not meet you in person to see the property.

Phone calls scams:

Common Scams And Frauds

                            Phone calls scams

Many of us may receive, randomly, weird calls once a while,  asking for personal information or want to provide help, any help you can imagine.

Telephone scammers may use real people, text messages, and robocalls to steal money and personal information, for instance, scammers tend to use:

IRS calls:

You will get a call from a scammer identifying himself as an employee from the IRS, don’t freak out ok. That happens to me a couple of times as well. If someone claims to be an IRS agent and asking you to collect money, hung up the phone and don’t give him any further information ok.

Another thing, you may also get calls from scammers pretending they are calling from your bank asking for your bank accounts, if it’s your bank, they should confirm, first your identity to protect your account, if it is not the case, ignore the call.

Robocalls :

Recently, Robocalls are the best trap scammers are trying to use. Don’t let the curiosity gets the best of you and call back numbers who you didn’t answer, especially, if they look unfamiliar to you because calling back those numbers verify that your number belongs to a real person, so scammers will call you back again and again until they get what they want from you.

Action: Don’t answer anonymous calls, because if it is important, the caller will leave you a message.

Elderly people scams:

We hear this scam a lot, when scammers call grandma or grandpa pretending to be their grandchild, telling them they are in big trouble, they lost their wallets, especially if they are in a foreign country, so scammers ask them to send money to a specific location.

Please, Grandma or Grandpa, don’t send anything and just hung up the phone, thanks.

IRS Scams:

According to IRS: Thousands of people have lost millions of dollars and their personal information due to tax scams. Scammers use the regular mail, telephone, or email to set up individuals, businesses, payroll, and tax professionals to get to their target.

We hear, always, either on TV, radio, or even on social media platforms about calls from IRS agents requesting people for personal information, most calls are Robocalls or automated calls that request a callback.

When you return calls, the scammers will request personal information like social security numbers or other personal information such as birthdate, etc.

The automated calls request tax payments in the form of I tunes or other gift cards and pretending to be from the tax preparation industry.

Scammers spoof their phone numbers to make it look like from the IRS.

How to report tax-related schemes scams?

Well, after I did my researches, I found out that the IRS NEVER contact people for personal information or asking them to make payments of their unpaid taxes over the phone.

Please listen to this video from an IRS employee to understand how to deal with tax scammers


Even if you owe money to the IRS, the government shall give you an opportunity to appeal the amount you owe.

So relax, The IRS will never send you someone threatens you to arrest you because you didn’t pay your taxes. However, what they do is send you a letter with a real IRS logo that has details of all your personal information, and explaining any issue does has to be with your taxes BUT they will never send emails.

Tip: If you get a random email saying it is from the IRS, well it’s not, because they will never send you an email nor call you on your phone, you need to be more cautious dealing with strange emails and phone calls.




                               Pyramid Schemes


What is a pyramid scheme?

A pyramid scheme is another scam based on recruiting more participants to a particular business, these types of businesses are marked as MLM ( Multi-Level Marketing) programs.

Without recruiting, the Pyramid scheme collapses so easily and fails.

There are a lot of legitimate businesses that rely on using on pyramid scheme style business, they have their own tools and products their recruiters trust and use to get more participants but they have to be so hard on sales and use different pitch sales tactics to be able to get more members and eventually get paid.

Personally, I don’t recommend this kind of business to anybody, for one reason, I  hate to sell products and physical items which I don’t believe it’s profitable for a long term period.

Pyramid scheme businesses charge huge money to sell their product that why you need to be a hard sell to get your money from the participants. You need to recruit people to do the same and know how you can make others to pay a huge amount, like this one below, in order for you to make money and so on.

Here an example of Pyramid scheme products sold by a particular business online :

Unlike Affiliate Marketing business online, you pay a monthly fee to learn how to start your online business step by step and you can cancel your membership whenever you like and you don’t have to regret paying a huge amount of money like :$2997.

Those businesses, most of them, won’t last long, see for example:

Empower Network an MLM business, they don’t have a strong foundation, don’t have real customer services support, don’t have a community to ask any questions anytime. Even the owners, you will never have access to them. period.

So how can you invest your money on such business where there is a lack of almost everything, even most of their websites have no information, no email or phone numbers to contact.

My advice is you should be very skeptical of success stories and testimonials of fanatics earnings.

And remember to check out any business you want to sign up with first with BBB ( Better Business Bureau).

I am an online business and before I jumped on this field, I have done a lot of researches. I came across a better way for me to make money online, it is a free program as a starter, where you can learn everything about Affiliate Marketing and how you start an online business from home.

The program is called Wealthy Affiliate.

it is free to check it out, yes I say free, click here to see what is inside

Go inside the platform and see how the training works, and learn how online Affiliate Marketing can make a difference, learn why you need to stay away from Pyramid Schemes scams.

Over 1000000 members trusted this program, such a huge number will definitely tell you one thing :

Wealthy Affiliate is a legitimate business and free to use and no credit card is required.

The greatest thing about online Affiliate Marketing is that you get to choose what you want to promote and how much money you want to make.

In the end, it’s your business and you don’t have to RECRUIT anybody.

Affiliate Marketing is the best way to make extra money if you are really good at how to do it, you get the product you like, you sell it online and you get your own commission. ( get the pic of AM circle)

scams and frauds to avoid

        Affiliate Marketing Circle


Let me explain here:

The way you make money is by becoming a free affiliate of any company that sells your products ( for example you are selling laptops at Amazon or target,eBay…)and you a sale is made via your unique affiliate link, these companies pay you a commission.

At Wealthy Affiliate, you will learn all these programs for Free instead of paying a thousand dollars.

                                                                        Online Entrepreneur Certification

The Wealthy Affiliate programs are set up to give you and me the basic knowledge about how Affiliate Marketing can help us to start an online business and earn an income at the end of the journey.

The lessons above will help anybody interested to build an online business from scratches,  absolutely free.

Now, if those lessons are not enough for you and you are looking to go further and learn more training on how to make money online niche, they do have another option of paying $49 a month as a member which I actually did.

As a paid member you will learn everything online business you can imagine.

From choosing a niche( a niche: is what you are good at), if you don’t have one, setting a website, signing for affiliate programs, learning how you can be an SEO expert and you can write quality content and get ready to rank.

Below you will see all other available lessons to help you be an expert in online business on making money online niche called: MMO these 10 lessons are FREE as well.

                                                                     Advanced Online Boot camp Training

As you can notice, This training focuses on the MMO, Make Money Online niche, and a high conversion affiliate marketing program.

Basically, you will learn a lot for nothing.

  • Free Websites (2)
  • Beginner Training Courses
    Affiliate Bootcamp (phase 1)
  • Video Walkthroughs
  • Keyword Research Training and Search Access
  • Website Backup
  • Training Classrooms (2)

As I mentioned earlier, those lessons are totally free, however, they still have other lessons if you want to go deep in the online business and be an expert, you need to be a premium member with them and they only charge $19 a month then $49 month after that.

Do you want to create your free Wealthy Affiliate account, click here and I will personally help you? 

Now I after I mentioned my 5 top scams and frauds we mostly face every day, I can conclude with some tips on how to avoid these scams and not to get be ripped off.

How to avoid these scams and Schemes?

If you ever find yourself in one of those  positions above, here what you should:

  • Don’t provide your credit card number or your personal information to any caller over the phone.
  • Don’t rush and take immediate action.
  • Hung up on suspicious phone calls.
  • If the caller starts to ask you:  ‘Can you hear me’ don’t say yes if so he will record your answer as “yes” to use it as proof that you agreed to use your credit card for a purchase.
  • Don’t send money or gift cards to the callers even they threaten you of jail.
  • Report telephone scams to the Federal Trade Commission online at 1877-382-4357.


I hope that” how to avoid scams and schemes guide” was very effective and has a lot of satisfying answers for people who are struggling against a few of the above common scams and frauds on a daily basis.

However, there are more scams you should be aware of and stay away from so you can’t get ripped offs.

In addition to those scams, here are few you should pay attention to:

Fake charities scams

Lottery and sweepstakes scams

Banking scams

Job& Employment scams

Investments scams.

Please, I want to hear from you and if you have any questions or additional scams you want to share please feel free to do so below in the comment section.

Thank you so much for stopping by.

Still, have questions?

please contact me :

common scams and frauds.

Omar k,



omar kherchtou


  1. Very interesting article. My heart really goes out to the elderly who are especially vulnerable to these vile people who rob them of their savings etc.

    We all have to be extra vigilant

    • Hi Renee,
      I am happy you find my post very interesting, you are absolutely right, we feel really bad for elderly people who are always in danger and risk to be scammed.

  2. Reading about all of the things that one can be scammed with is really worrying. I didn’t realise there were so many that could happen until I came to your post covering all of this. As a counsellor, I have come across one person who had his identity stolen because someone stole his bike licence from his letter box. It was really hard for him to verify who he was with his bank and to prove he had his identity stolen because the bank didn’t believe him! It certainly causes more headaches than you would realise and increases one’s stress when it happens to you. I feel sorry for anyone who has been scammed or had their identity stolen. we have to be so vigilant when we answer the phone or see emails these days. There are lowlifes out there who I hope Karma will bite them somehow. Thanks heaps for raising awareness around this important issue.

  3. This post is really an eye opener. There are indeed a lot of con artists out there. I have received a lot of anonymous calls recently. Glad I didn’t fall for it though.
    Great post.

    • Hi Fatsani,
      I am really happy you find this post very helpful and interesting.I know by experience a lot of people have been through different scams that’s why I decided to do some researches for this matter.

  4. It always amazes me that there are so many people who want to scam others. I’m not sure why they think they are entitled to take hard-earned money from regular hard-working people instead of going and getting a job themselves!
    Thanks for letting us know about the various scams and how to avoid becoming a victim of these unscrupulous people.

    • Do you know how I can describe these guys Andrew? they are sick people, no sense of human being at all. Their goal is to destroy and demolish other folks’ life. That why I strongly believe we should advice eath others about those scams.

  5. The medical and tax return scams are the ones that frighten me the most. I can put a credit freeze on my credit report, but I can’t stop someone from seeing a doctor and using my identity. Filing false tax returns is something I don’t know how to deal with. The whole identity theft idea scares me. There are so many scams and you have to be super careful in today’s world. We hear too many stories about people getting scammed. Thanks for sharing this post, it serves as a great reminder to be cautious.

    • Hey Steve,
      I am happy you find my post very helpful and informative. As you mentioned, the whole idea behind this scam problem is we should be very careful when it comes to our identity and our private information.

Leave a Reply

Your email address will not be published. Required fields are marked *