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The crook will then lavish you with attention and flattery.
The idea is to get you to suspend good sense and become enamored with someone you've known online for just a few weeks and have never met in person. Kipps has decided that another tip-off is photographs that show all the trappings of wealth -- exotic cars, mansions, pictures in romantic foreign settings.
Of course, real people sometimes have nice things and go to great places, but these visual cues are key to scammers who want to get your guard down for their future bid for cash.
By fabricating an illusion of their own wealth, scammers may be able to convince you that you're simply "loaning" them money that, for some weird reason, they can't immediately access.
If the victim doesn't figure out the con after the first request for cash, the crook will keep milking the relationship for as much as he or she can get.
"The story was getting more and more bizarre," she says.
"But I hung on and kept communicating because I wanted to see the end of the movie." The ending came as no surprise to experts on romance scams.
"When some 25-year-old girl is telling you that she's in love with you, you have to wonder why," he says. If a 25-year-old model is contacting a 50-year-old man, there's something wrong." Scammers look for vulnerable populations -- women and men in their 50s and 60s who are divorced or widowed and may feel rejected or past their prime.
"You see this communication and think, 'Oh my gosh, I must be more attractive than I thought! They're also likely to target people with weight problems and those recovering from illnesses. Any of these issues might make you a bit more anxious about your ability to find love and potentially more receptive to the con.