The 876 scam is back.

thWhen the phone rang yesterday and caller ID noted an “876” area code, a warning bell dimly clanged in my head. Some kind of scam, I think. As I started to say so, DF answered the phone.

“Hello…Pretty busy, actually, what’s up? Oh, really? Well, send it to me.” He ended the call – and along with it, our chance to win $8.1 million dollars in a foreign lottery.

Yep, the 876 scam is back. Previous scammers have claimed to be associated with Publishers Clearinghouse, UPS, loan originators or credit repair agencies.

The crooks explain that once they’ve received a wire transfer or prepaid card to cover “taxes and fees,” their prizes will be sent along.

Of course that sounds ludicrous. But people fall for it all the time – especially the elderly.

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Unfamiliar area code? It’s probably a scam.

thUnless you’re really lucky you’ve probably gotten spam/scam calls, often robotic ones. The smart money is on refusing to pick up the phone if it displays an unfamiliar area code (especially a toll-free one).

But if you have friends or family in places like Detroit (313), Houston (713) or Fort Lauderdale (954), you might pick up.

Those three cities are three of the top 10 area codes used by spam callers, according to a company called Whitepages. The others are:

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