The Truth About
SCAMS
How You’ve Been Played…
and How You’ve Played Yourself
Educate attendees on what a scam really is, expose the mindset & actions that lead to financial ruin, and teach them how to stop being both a victim and a perpetrator.
Duration: 45 minutes
Format: Live + Q&A
The Truth About
SCAMS:
How You’ve Been Played…
and How You’ve Played Yourself
Educate attendees on what a scam really is, expose the mindset & actions that lead to financial ruin, and teach them how to stop being both a victim and a perpetrator.
Duration: 45 minutes
Format: Live + Q&A
Talking Points:
Start with a poll: “When you hear the word SCAM, what’s the first thing you think of?” (Options: Ponzi scheme, online fraud, bad business deal, etc.)
Tell them: “By the end of today, your definition of a scam is going to expand — and you might realize YOU have been both the victim… and the scammer.”
Share a quick story of a popular scam (romance scam, fake IRS calls) to warm them up — then pivot:
“But here’s the thing — sometimes the biggest scam in your life is the one you ran on yourself… or on someone you owed.”
Talking Points:
Start with a poll: “When you hear the word SCAM, what’s the first thing you think of?” (Options: Ponzi scheme, online fraud, bad business deal, etc.)
Tell them: “By the end of today, your definition of a scam is going to expand — and you might realize YOU have been both the victim… and the scammer.”
Share a quick story of a popular scam (romance scam, fake IRS calls) to warm them up — then pivot:
“But here’s the thing — sometimes the biggest scam in your life is the one you ran on yourself… or on someone you owed.”
What is a SCAM, Really?
Talking Points:
Define scam: “A dishonest scheme or action intended to cheat someone out of something
— usually money or value.”
Most people think scams are just big criminal operations — but they can be as small as:
Not delivering a service you promised.
Not paying a bill you agreed to pay.
Taking goods or services on credit and never fulfilling payment.
Key Punchline:
“If you signed for it, agreed to it, or used it — but never paid for it — that’s a scam. Period.”
You sign a cell phone contract, don’t pay, it goes to collections → that’s YOU scamming the phone company.
You take out a loan and ghost the payments → that’s YOU scamming the lender.
Engagement Question:
“By a show of hands (or chat), how many of you just realized you might have been the scammer at some point?”
Why Scams Destroy Your Credit
Talking Points:
When you fail to pay a bill, the creditor loses — so they send your debt to collections.
Collections are legal documentation that you failed to honor your agreement.
Every unpaid bill is basically your name on a list that says: “This person doesn’t keep their word.
Lenders don’t care about your excuse — they see the collection as proof of risk.
Breakdown:
Missed payment →
Late fee + credit report hit →
Debt sold to collections →
Credit score drops (sometimes 100+ points) →
Higher interest rates, fewer approvals.
Example:
Show a credit report screenshot with multiple collections and explain how each one is tied to an unpaid agreement (aka a “mini-scam”).
How YOU Get Scammed
Talking Points:
While people scam companies by not paying, companies & people scam YOU by:
Selling false promises (fake investment schemes, fake job offers).
Hidden fees in contracts you didn’t read.
Predatory lending (“90 days same as cash” traps).
The #1 way to avoid scams: Know the rules of the game before you play.
Pro Tip:
“Every scam works because of ignorance — either yours or theirs. The less you know, the more expensive life becomes.”
Engagement Question:
“What’s the worst scam you’ve ever fallen for?”
Let them share for 2-3 minutes.
The Self-Scam
Talking Points:
Sometimes you are the scam — to yourself.
Ways you scam yourself:
Not investing in your own growth.
Living beyond your means.
Ignoring your financial situation until it becomes unfixable.
Choosing instant gratification over long-term security.
Key Punchline:
“It’s not always someone else stealing from you — sometimes, you’re stealing from your future self.”
What is a SCAM, Really?
Talking Points:
Define scam: “A dishonest scheme or action intended to cheat someone out of something
— usually money or value.”
Most people think scams are just big criminal operations — but they can be as small as:
Not delivering a service you promised.
Not paying a bill you agreed to pay.
Taking goods or services on credit and never fulfilling payment.
Key Punchline:
“If you signed for it, agreed to it, or used it — but never paid for it — that’s a scam. Period.”
You sign a cell phone contract, don’t pay, it goes to collections → that’s YOU scamming the phone company.
You take out a loan and ghost the payments → that’s YOU scamming the lender.
Engagement Question:
“By a show of hands (or chat), how many of you just realized you might have been the scammer at some point?”
Why Scams Destroy Your Credit
Talking Points:
When you fail to pay a bill, the creditor loses — so they send your debt to collections.
Collections are legal documentation that you failed to honor your agreement.
Every unpaid bill is basically your name on a list that says: “This person doesn’t keep their word.
Lenders don’t care about your excuse — they see the collection as proof of risk.
Breakdown:
Missed payment →
Late fee + credit report hit →
Debt sold to collections →
Credit score drops (sometimes 100+ points) →
Higher interest rates, fewer approvals.
Example:
Show a credit report screenshot with multiple collections and explain how each one is tied to an unpaid agreement (aka a “mini-scam”).
How YOU Get Scammed
Talking Points:
While people scam companies by not paying, companies & people scam YOU by:
Selling false promises (fake investment schemes, fake job offers).
Hidden fees in contracts you didn’t read.
Predatory lending (“90 days same as cash” traps).
The #1 way to avoid scams: Know the rules of the game before you play.
Pro Tip:
“Every scam works because of ignorance — either yours or theirs. The less you know, the more expensive life becomes.”
Engagement Question:
“What’s the worst scam you’ve ever fallen for?” Let them share for 2-3 minutes.
The Self-Scam
Talking Points:
Sometimes you are the scam — to yourself.
Ways you scam yourself:
Not investing in your own growth.
Living beyond your means.
Ignoring your financial situation until it becomes unfixable.
Choosing instant gratification over long-term security.
Key Punchline:
“It’s not always someone else stealing from you — sometimes, you’re stealing from your future self.”
The Fix:
Stop Being the Scammer & the Victim
Action Steps:
1. Clean Up Your Name – Pay off or negotiate your collections.
2. Stop Signing What You Can’t Pay For – If you can’t afford it, don’t commit to it.
3. Get Educated – Learn how credit, contracts, and money really work.
4. Protect Yourself – Spot scams before they spot you.
The Fix: Stop Being the Scammer & the Victim
Action Steps:
1. Clean Up Your Name – Pay off or negotiate your collections.
2. Stop Signing What You Can’t Pay For – If you can’t afford it, don’t commit to it.
3. Get Educated – Learn how credit, contracts, and money really work.
4. Protect Yourself – Spot scams before they spot you.
What client say about us
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Darcel Ballentine
Barone LLC.
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled.
Leatrice Handler
Acme Co.
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Copyright 2022 . All rights reserved
Make it Hit
Closing Statement:
“A scam is not just a stranger online — it can be YOU
failing to honor your word. Every unpaid bill, every broken agreement…
it’s a scam in someone’s eyes. But here’s the good news —
you can fix it, starting now.”
Invite them to sign up for your credit restoration,
financial strategy, or debt consolidation service.
Bonus: Offer a free “Scam-Proof Your Life” checklist to
everyone who books during the webinar.
Copyright 2025 @ Bright Beginnings Financial.
All rights reserved
Make it Hit
Closing Statement:
“A scam is not just a stranger online — it can be YOU
failing to honor your word. Every unpaid bill, every broken agreement…
it’s a scam in someone’s eyes. But here’s the good news —
you can fix it, starting now.”
Invite them to sign up for your credit restoration,
financial strategy, or debt consolidation service.
Bonus: Offer a free “Scam-Proof Your Life” checklist to
everyone who books during the webinar.