If you lost money to a scam, you might not be totally out of luck—and in this video I walk you through the exact recovery steps based on how you paid. I cover four common scenarios scammers use: getting access to your bank account, running unauthorized charges on your credit card, tricking you into sending money through payment apps like Zelle/Venmo/PayPal/Cash App, or pushing you to buy gift cards and send the PIN. The big takeaway is that many banks, card issuers, apps, and gift card companies have processes in place to dispute fraud—you just have to act fast and use the right channel. I also break down the timelines and protections that matter. For bank transfers, unauthorized payments are often covered under the Electronic Fund Transfer Act, and you generally aren’t liable if you report within 60 days of the statement showing the transaction. For credit cards, the Fair Credit Billing Act limits liability to $50 if you report within 60 days, but you’ll need to file a formal dispute. And if you sent gift cards, keep your receipts and contact the issuer immediately—there’s a chance the card can be canceled. The one area I’m blunt about: crypto. If you sent cryptocurrency, anyone promising recovery is usually just running a second scam.