Scam Recovery Fraud Checklist

The people who scammed you sell your name to the next one.

Recovery scams are a distinct, growing fraud pattern that specifically targets people who have already lost money to an earlier scam, promising to recover the funds in exchange for an upfront fee — a fee that, once paid, is simply the second theft. This checklist scores any such offer against the clearest available signal (an upfront fee before any recovery) alongside supporting red flags: unsolicited contact, false government or law-firm claims, guaranteed outcomes, and manufactured urgency — the same manipulation tactics used in the original scam, now redirected at the same victim.

• →Weights any upfront fee request as the single strongest recovery-scam signal
• →Flags unsolicited contact specifically, since recovery scammers often buy victim lists from the original fraud
• →Checks for false government agency or law firm impersonation claims
• →Includes a reminder to check legitimate, free recovery paths through your own bank first
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