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Life happens and sometimes you end up with trouble paying your mortgage. Maybe you were affected by a natural disaster, lost your job, or got stuck with a bunch of medical bills after an illness. Then, suddenly, you get an unexpected call offering you mortgage relief. But could it be a scam?

Did you get a call or text saying you’re eligible for thousands of dollars in unclaimed property? Don’t get excited yet. It might be a scammer looking to steal your money or personal information. Here’s how to avoid that scam — and find out if a government agency has money, stocks, or another asset that belongs to you.

If you’re dealing with a lot of debt, you might be looking for help. Some companies offer a range of free and paid services, like budget counseling and debt management classes. But others are dishonest and will take your money for the promise of getting rid of your debt — just to leave you even worse off. So, how can you avoid scams while you’re trying to pay off your debt?

With global attention focused on the conflict in Iran, it’s no surprise scammers have already added that situation to their story lines. Some recent reports to the FTC about imposter, romance, and fake charity scams include an Iran twist. The details change, but the scammer’s goal is always to trick you into paying or sharing your personal information. Here are some examples of these scams — and how to protect yourself.

Many of us use or work with rental housing in some way. Maybe you have been — or are currently — a renter. Or maybe you own a rental property, operate a property management company, or otherwise work with or around rental housing. If any of that applies to you, the FTC wants to hear from you.

If you get a call saying “you’ve won a prize,” you might be thinking, why not claim it? Unfortunately, it’s likely a scam to steal your money — especially if it’s for a contest you didn’t enter. So how can you spot and avoid a prize scam?

Scammers make up all kinds of bogus stories to steal your personal information, or your money. Some go negative and make up a problem that doesn’t really exist. Others try a positive spin and say you won something, like free money made available through a government grant or program. How do you know if these promises are legit — or a scam?

It’s National Consumer Protection Week (NCPW) 2026. Welcome! Today kicks off the 28th year of the FTC joining with partner organizations to amplify the importance of consumer protection. This week, the FTC is focused on delivering messages and hosting events on how to avoid scams, how to report scams, and what to do to help recover from scams. Visit ftc.gov/ncpw to find those in-person and virtual events, as well as free tools to promote NCPW.

As the holiday season becomes an ever more distant memory, the holiday bills might not be. If you’re looking to pick up a side gig to make extra cash, pay down debt, or catch up on some bills, know that scammers are looking to make money, too. One of their hustles is advertising fake jobs. So how do you tell a legit gig from a scam?

Unemployment benefits can be a life saver if you’re between jobs. But what happens if a scammer misuses your personal information, like your Social Security number (SSN) to file a fraudulent unemployment claim? That’s identity theft.