Once your details appear on a list of fraud victims — often because the original scam operator sells contact lists on — you become a target for a second category of fraud: firms posing as recovery specialists. Common red flags include: contact out of the blue referencing your exact loss amount, upfront fees required before any work begins, guaranteed recovery outcomes, and pressure to pay in cryptocurrency.

A legitimate recovery firm will assess your case before quoting any fee structure, and will never guarantee an outcome — recovery depends on factors outside any firm's control, including jurisdiction and whether funds are still traceable.