Short answer
What to do right now
Do not send money or share information during the incoming call. End it, then call the family member or another known contact through a number you already have; a familiar-sounding voice alone is not proof.
Immediate actions
Check the person through an existing family route.
End the incoming call before paying or sharing information.
Call the family member back using a number already saved for them.
If you cannot reach them, call another relative or known contact who can check the situation.
If there is an immediate emergency you independently confirm requires police, fire, or ambulance assistance, call 911.
Do not
Avoid making the situation harder.
- Do not trust the voice, caller ID, secrecy request, or urgent story by itself.
- Do not send gift cards, a wire, cryptocurrency, or cash before checking independently.
Records and reporting
Keep the details you already have.
Note the caller ID, time, story, payment instructions, and any names used. Preserve messages or voicemail without continuing the conversation.
Source notes
Official guidance behind these steps
Plainly Living uses the scope and exceptions recorded in its claim-control ledger. These links go to the responsible public agency.
- Federal Trade Commission: How To Avoid a Scam (opens in a new tab)
- Consumer Financial Protection Bureau: What are some classic warning signs of possible fraud and scams? (opens in a new tab)
- Consumer Financial Protection Bureau: What are some common types of fraud and scams? (opens in a new tab)
- Federal Trade Commission: Phone Scams (opens in a new tab)
- Federal Trade Commission: How To Avoid Imposter Scams (opens in a new tab)
- National 911 Program: Calling 911 (opens in a new tab)
- Federal Trade Commission: Scammers Use Fake Emergencies To Steal Your Money (opens in a new tab)
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