As a real estate professional who works closely with seniors and their families, I’ve seen how scams can disrupt finances, housing plans, and peace of mind—often at vulnerable moments like downsizing, estate settlement, or transitioning to a new living situation.
Unfortunately, seniors are frequently targeted because scammers assume they are trusting, polite, or less familiar with today’s technology. The good news is that awareness is the strongest line of defense.
Below are some of the most common scams affecting seniors today—and what to do if something doesn’t feel right.
1. Phone Scams (Impostor & “Urgent” Calls)
Scammers may claim to be:
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Social Security
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Medicare
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IRS or law enforcement
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A bank or credit card company
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Even a distressed grandchild
They often create urgency:
“Your benefits will be suspended.”
“There’s a warrant for your arrest.”
“Your grandchild needs money immediately.”
What to remember
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Government agencies do not demand payment over the phone.
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Never share Social Security numbers, bank details, or passwords.
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Hang up and call the organization directly using a known number.
2. Email & Text Phishing Scams
These messages often look legitimate and may include:
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Fake delivery notices
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Bank alerts
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“Account verification” requests
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Links asking you to “click immediately”
Red flags
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Misspellings or odd grammar
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Generic greetings (“Dear Customer”)
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Links that don’t match the sender’s name
👉 When in doubt, do not click. Delete the message or ask a trusted family member to review it.
3. Romance & Friendship Scams
Scammers build emotional relationships online through:
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Social media
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Dating websites
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Email or messaging apps
Over time, they ask for:
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Gift cards
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Wire transfers
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Help with “emergencies”
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Money to “visit in person”
Important to know
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If someone you’ve never met asks for money, it is almost always a scam.
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Scammers are professionals at emotional manipulation—this can happen to anyone.
4. Home Repair & Contractor Scams
These are especially common after storms or when a home is listed for sale.
Common tactics include:
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Door-to-door offers
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Requests for large upfront payments
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Pressure to act “today only”
Protect yourself
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Never pay in full upfront.
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Get written estimates from licensed, local contractors.
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Verify references and reviews.
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Talk with a trusted advisor before signing anything.
5. Investment & “Too Good to Be True” Offers
Promises of:
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Guaranteed returns
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Risk-free investments
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Exclusive opportunities
If it sounds too good to be true—it is.
Before investing:
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Consult a financial advisor.
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Never rush.
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Be cautious of anyone discouraging you from seeking advice.
What To Do If You Suspect a Scam
If something feels off, trust your instincts.
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Stop communication immediately
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Do not send money or information
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Talk with a trusted family member or professional
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Report the scam to the Federal Trade Commission at ReportFraud.ftc.gov
Reporting helps protect others.
A Personal Note from Mike
Many scams surface during major life transitions—downsizing, selling a longtime home, settling an estate, or helping parents plan next steps. These moments deserve clarity and protection, not pressure or fear.
If you or a loved one ever feel unsure about a situation involving housing, finances, or a major decision, I’m always happy to be a calm second set of eyes.
Not sure what’s legitimate and what’s not?
Let’s talk—no pressure, just guidance.
📞 517-755-8168
🌐 MikeBowler.com
📍 Proudly serving seniors and families across Greater Lansing
Frequently Asked Questions: Scam Safety for Seniors
What are the most common scams targeting seniors today?
The most common scams include phone impersonation scams (Social Security, Medicare, IRS), email and text phishing, romance scams, home repair scams, and investment scams promising guaranteed returns.
How can I tell if a phone call is a scam?
Scam calls often create urgency, ask for personal or financial information, or threaten consequences if you don’t act immediately. Government agencies and legitimate businesses do not demand payment or sensitive information over the phone.
Should I ever give my Social Security or Medicare number to someone who calls me?
No. You should never share your Social Security number, Medicare number, banking details, or passwords with unsolicited callers, emails, or text messages.
What should I do if I receive a suspicious email or text message?
Do not click links or download attachments. Delete the message and, if unsure, ask a trusted family member or professional to review it before taking any action.
Are romance scams really common among seniors?
Yes. Romance scams are increasingly common and often involve building emotional trust online before asking for money, gift cards, or wire transfers. If someone you have not met in person asks for money, it is likely a scam.
How can I avoid home repair or contractor scams?
Never pay the full amount upfront, always get written estimates, verify licenses and references, and avoid pressure to make same-day decisions. Take time to review any contract before signing.
What should I do if something feels wrong or suspicious?
Trust your instincts. Stop communication immediately, do not send money or information, and talk with a trusted family member or advisor before taking further steps.
Where can I report a scam or suspected fraud?
Scams can be reported to the Federal Trade Commission at ReportFraud.ftc.gov. Reporting helps protect others from becoming victims.
Is it okay to ask for help before making a decision?
Yes. Asking questions and seeking a second opinion is one of the best ways to protect yourself. You are never obligated to make immediate decisions or provide information.
