Stay Safe: How Seniors Can Spot and Avoid Scams in Chapel Hill, NC

Scams can happen anywhere—even in a close-knit community like Chapel Hill. For seniors, it’s essential to stay alert, as scammers often target seniors with clever and convincing tricks. 

Knowing what to watch for can make all the difference, whether it’s a phone call, an email, or even a knock at the door. 

At Always Best Care, our compassionate caregivers help seniors stay informed, aware, and protected, offering guidance and support every step of the way.

Why Scammers Target Seniors

Scammers often see seniors as easy targets, and sadly, that makes seniors more vulnerable to fraud. Many grew up in a time when people were more trusting, which can make it difficult to recognize today’s more deceptive tactics. Some seniors may also be dealing with memory issues, live alone, or feel isolated—factors that scammers often exploit.

In addition, seniors are more likely to have retirement savings, a steady income from Social Security, or home equity—all things that attract scam artists. Scammers may assume seniors are less familiar with digital technology, making it easier to fool them with fake emails, phone calls, or online messages.

5 Popular Scams in Chapel Hill and Surrounding Areas

Utility Company Impersonation Calls

One common scam in the Chapel Hill area involves someone pretending to be from a local utility company—like Duke Energy or the water department. The caller may claim your service is about to be shut off due to an unpaid bill and demand immediate payment over the phone. They often use urgent language and even spoof local numbers to appear legitimate. If you get a call like this, hang up and call the company directly using the number on your bill.

Medicare and Insurance Fraud

Scammers often pose as Medicare representatives or insurance agents, offering free services or medical equipment in exchange for your personal information. Once they have your Medicare number, they can commit fraud by billing for services you never received. Never share your Medicare or insurance information with someone who contacts you out of the blue. 

Sweepstakes and Lottery Scams

​​If you get a call, letter, or email saying you’ve won a prize—but need to pay a fee or share your personal information to claim it—it’s a scam. These sweepstakes scams are designed to excite and trick you, but no legitimate lottery or contest will ever ask for payment upfront. Remember: if it sounds too good to be true, it probably is.

Tech Support and Computer Virus Scams

These scams often begin with a pop-up message or phone call claiming your computer has a virus. The scammer may ask you to give them remote access to “fix” the issue or demand payment for unnecessary services. Never let someone you don’t know control your computer.

Romance and Social Media Scams

Unfortunately, scammers also exploit loneliness by building fake romantic relationships online. They may send affectionate messages, build trust over time, and then ask for money due to a sudden “emergency.” These scams can be emotionally devastating and financially damaging. If you’ve met someone online and they ask for financial help, it’s time to talk to someone you trust.

How to Recognize a Scam Early

Warning Signs to Look Out For

​​Scams often come with a few clear warning signs. Be cautious if someone contacts you unexpectedly and asks for personal information, pressures you to act quickly, or tells you to keep the conversation secret. Other red flags include being asked to pay using unusual methods—like gift cards, wire transfers, or cryptocurrency. If you’re promised a prize or service that requires upfront payment, that’s another major sign that something’s not right.

Language and Tactics Used by Scammers

Scammers are skilled at using emotional language to create panic, excitement, or urgency. They might say things like “You must act now,” “Don’t tell anyone,” or “This is your final notice.” Others might sound overly friendly or official to earn your trust. Some use fear—like threatening arrest or service disconnection—while others flatter or charm their way into your confidence. No matter the tone, the goal is always the same: to manipulate your emotions and rush your decisions.

How Scammers Try to Build Trust

To make their story believable, scammers often pretend to be someone you’d normally trust—like a grandchild, a government agent, or a company representative. They might use pieces of real information about you that they found online to sound more convincing. 

Some even pretend to have mutual friends or shared experiences. Their goal is to lower your guard so you’ll share personal information or send money. Always take the time to verify who you’re speaking with—and never hesitate to ask for a second opinion.

Smart Safety Tips for Chapel Hill Seniors

Staying safe from scams starts with awareness and a few simple habits. Always be cautious with unsolicited phone calls, emails, or texts—especially if they ask for money or personal information. Let unknown calls go to voicemail, and never feel pressured to respond on the spot. When online, avoid clicking on unfamiliar links or downloading files from unknown sources. 

If someone shows up at your door offering services, ask for identification and take time to verify their business before making any decisions. Most importantly, don’t hesitate to contact a trusted friend, family member, or caregiver if something seems suspicious. A second opinion can make all the difference.

Local Support and Resources in Chapel Hill

Chapel Hill has a strong network of resources to help protect seniors from fraud. 

Community centers, libraries, and senior groups often offer educational events and scam awareness sessions. The Orange County Department on Aging also provides valuable tools, workshops, and support services for seniors. If you need help understanding a situation or want a second set of eyes on something suspicious, local organizations and caregivers are here to help guide you safely.

The Chapel Hill Police Department Fraud Unit is a dedicated resource for reporting and investigating scams. If you receive a suspicious call, letter, or visitor, they can help determine whether it’s legitimate and guide you through the next steps. They also work with the community to educate residents on how to stay safe.

What to Do If You Suspect or Fall Victim to a Scam

If you think you may have encountered a scam—or worse, given away personal information—don’t panic, but act quickly. Report the incident to the Chapel Hill Police Department and the Federal Trade Commission. If money or identity information was involved, immediately contact your bank, credit card provider, or Medicare to protect your accounts.

How In-Home Care in Chapel Hill Can Provide Added Protection

An in-home caregiver can provide valuable assistance in identifying and preventing scams. Caregivers can help seniors manage mail, screen phone calls, and recognize suspicious messages. They also provide companionship and emotional support, making seniors less likely to engage with scammers out of loneliness or confusion.

At Always Best Care of Chapel Hill, we are dedicated to ensuring the safety and well-being of seniors. Our compassionate caregivers provide daily assistance, companionship, and guidance to help protect against fraud. 

Contact Always Best Care of Chapel Hill at (336) 948-9152 to learn more and schedule your free consultation. Stay informed, stay alert, and stay safe.