Stealing from the Grieving: How to Spot Bereavement Scams

Grief is disorienting. Unfortunately, scammers know that loss creates vulnerability—and they exploit it aggressively.

Bereavement scams are increasing nationwide, often targeting surviving spouses and executors shortly after a death. Understanding how these schemes work is one of the best defenses.

The “Ghost Debt” Scam

One common tactic involves a call or letter claiming the deceased owed an urgent debt. The scammer pressures you to pay immediately, often using fear or false legal threats.

Legitimate creditors do not demand instant payment by phone or wire transfer. You always have the right to request written proof of a claim. Refusal to provide documentation is a red flag.

Cash-on-Delivery Schemes

In this scheme, a courier delivers a package allegedly ordered by the deceased and demands payment on delivery. Once paid, the contents are worthless—or nonexistent.

Family members should refuse any delivery requiring payment unless it can be independently verified.

How Scammers Find Their Targets

Public obituaries are a primary source of information. Names, relationships, service times, and addresses are harvested and used to time scams and burglaries.

Limiting unnecessary details in obituaries can reduce risk without diminishing the opportunity to honor a loved one.

Funeral Home Pressure Tactics

While most funeral professionals act ethically, consumers should know their rights. Federal law prohibits claims that expensive caskets preserve remains. For direct cremation, no casket is required—an alternative container is sufficient.

Knowledge is protection during an emotionally charged process.

What to Do If You Suspect a Scam

Pause. Do not engage. Verify independently using trusted contact information—not what the caller provides. Then, report suspected scams to appropriate authorities.

Most importantly, do not navigate this alone.

At Robert Jewett Law, PLLC, we often serve as a buffer during estate administration—verifying claims, answering questions, and helping families avoid costly mistakes during an already difficult time.