This is a special, end of the year wrap up, with Debby Montgomery Johnson and Tim McGuinness, PhD, Founder of The Society of Citizens Against Relationship Scams (SCARS) and we discuss the top online scams of 2021.  This has been a banner year with the pandemic, social distancing and everyone on the computers looking for "friends and companions" and the scammers are right there with us.  No one is "immune" to online scam and we'd like to highlight the top scams, which include medical scams (COVID), non-delivery scams, telecon frau, romance scams, investment fraud, sextortion, payment cards fraud, and money laundering through MULES.   SCARS is a non-profit, incorporated organization, government-registered/partnered crime victim assistance and crime prevention organization providing services and support for scam victims worldwide.  See www.romancescamsnow.com We based our conversation on INTERPOL's 2021 Top 10 Online Scam List.   INTEROL is an NGO which facilitates crime reporting and law enforcement support worldwide.  Anyone calling YOU saying they are "Agent XYZ from Interpol" is a scammer.  Interpol is NOT going to contact individuals. Beware and Be Aware.