In our Latino communities, we’re all about looking out for one another—whether it’s sharing a plate of carne asada, giving each other advice on a new job opportunity, or lending a hand when times get tough.
But scammers are lurking, and they’re getting smarter. They’re not just preying on the vulnerable; they’re targeting families like ours with tricks that feel personal, urgent, and downright cruel.
According to a 2023 report from the Federal Trade Commission (FTC), U.S. consumers reported losing over $10 billion to scams last year—an all-time high. And studies show that immigrant and Latino communities are disproportionately affected.
Language barriers, fear of legal consequences, and tight-knit family structures can make us prime targets.
So let’s break down the top scams we’re seeing right now—and most importantly, how to protect yourself and your loved ones.
Government Impersonation Scams
Imagine getting a call or text, often in Spanish, from someone claiming to be from La Migra (ICE), the IRS, Social Security, or U.S. Citizenship and Immigration Services (USCIS). They’ll say things like:
- “You missed a court date.”
- “You owe taxes and could be arrested.”
- “Your Social Security number is suspended.”
- “There’s an issue with your immigration papers.”
These scammers create panic and demand immediate payment, often by gift card, wire transfer, or even cryptocurrency. Real government agencies never call demanding money this way. If you get one of these calls, slow down. Hang up. Look up the agency’s real number (not the one they give you) and call them back directly.
Did you know? The FTC reported that government impersonation scams target Latinos at a higher rate than other groups. It’s estimated that millions are lost each year to these scams.
Immigration Assistance Scams
In times of stress, many turn to so-called “notorios” who claim to offer help with legal paperwork—but they’re not licensed attorneys. These individuals can charge thousands of dollars for fake services, making families worse.
Only seek immigration assistance from licensed attorneys or accredited representatives. Avoid deals from flyers, social media ads, or people hanging out in parking lots.
The “Grandparent” Scam—Now with AI
Here’s a terrifying twist: Scammers use artificial intelligence (AI) to mimic voices. They’ll call an older family member, posing as a loved one, sometimes even using your voice, and claim there’s an emergency. They’ll beg for money, saying, “Please don’t tell anyone, just send me the money now!”
How do they get your voice? Through your social media posts, videos, or voicemails. To stay safe, if your abuela or tía gets one of these calls, tell them to hang up and call you directly. Set up a family code word that only your inner circle knows—it’s an easy way to verify a real emergency.
Utility Scams
These scammers claim to be from the electric or gas company, threatening to shut off service unless you pay immediately. They’ll use high-pressure tactics to make you panic. Remember: real utility companies don’t operate this way. If you’re unsure, call the company’s actual customer service line.
Fake Job Offers
Work-from-home offers are tempting, especially if they seem to offer quick cash. But if a “job” asks for money upfront—whether for training materials, background checks, or equipment—it’s a scam. Real employers don’t ask you to pay to work.
Quick Fact: A Better Business Bureau (BBB) study in 2023 found that Latino workers are disproportionately targeted by job scams, with median losses of $1,000 or more.
Lottery and Prize Scams
“If you pay a small fee, we’ll release your prize!” Nope. Legitimate lotteries and sweepstakes don’t ask winners to pay to claim their prize. If it sounds too good to be true, it is.
“Get-Rich-Quick” Investment Scams
Scammers love dangling crypto or investment opportunities that promise to “double your money overnight.” Don’t fall for it. High returns with no risk? That’s a fantasy. Check out reputable financial advisors or trusted platforms before investing a dime.
Top Scams Targeting Latino Families
So, How Can We Protect Our Families?
The scammers are relentless, but we’re stronger when we look out for each other. Here’s how to stay ahead:
Slow down. Scammers create a false sense of urgency. Take a breath.
Verify the source. Don’t trust unsolicited calls, texts, or emails.
Get referrals. Talk to people you trust before hiring anyone or making payments.
Never pay strangers with gift cards or wire transfers. These are scammer favorites because they’re untraceable.
Have conversations with your parents, abuelos, and other loved ones. Make sure they know these scams exist and how to spot them.
Let’s Protect Our Latino Community—and Build Real Wealth
These scams don’t just steal money—they erode trust. They prey on our culture of connection and support. But by talking about them openly, sharing resources, and empowering one another, we can protect our families and our dignity.
If you or someone you know has been targeted by a scam, report it to the FTC at reportfraud.ftc.gov or call 1-877-FTC-HELP. It’s not just about stopping one scam—it’s about protecting all of us.
Let’s keep our families safe, informed, and thriving. That’s real wealth.
