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These criminals—who also troll social media sites and chat rooms in search of romantic victims—usually claim to be Americans traveling or working abroad. While their most common targets are women over 40 who are divorced, widowed, and/or disabled, but every age group and demographic is at risk. You’re contacted online by someone who appears interested in you.

He or she may have a profile you can read or a picture that is e-mailed to you.

One way to steer clear of these criminals altogether is to stick to online dating websites with nationally known reputations.

Finally, the FBI advises not to send money through any wire transfer service to someone you met online.

There are also military scams (for God Sake, there are NO American Generals browsing dating sites and NO military man will EVER ask you for money.