Planning to pay a bill online? Before you start searching for a company’s payment site, know that dishonest companies sometimes use paid search ads to trick you into paying them instead of the company or agency you’re looking for. Here’s how it happens.

If you owe back taxes, there are ways to get real help. But dishonest companies will promise to get rid of your debt for “pennies on the dollar,” before even looking into your tax situation. They’ll often charge service fees without actually doing anything for you, and leave you further in the hole with local, state, or federal tax authorities.

You’re browsing your social media feed when an ad grabs your attention mid-swipe: that designer bag you’ve been dreaming of is 50% off for a limited time only! You’re dying to get your hands on one, so you don’t think twice about clicking on the ad. Why would you? The ad is right there in your feed and it looks real, so you trust that it’s legit. But it might not be. That’s because social media platforms don’t always thoroughly vet the ads you see or the advertisers behind them.

Learn to trade online! Get rich! Quit your job! Social media is flooded with people flashing fancy cars and exotic trips, claiming you can have the same lifestyle just by “learning to trade.” But they rarely mention the truth: trading is risky, there are no guaranteed returns, and you can lose a lot of money fast.