The phone rings and an unknown voice tells you a loved one has been kidnapped. You can hear screams in the background as the caller gruffly gives you details of how to pay the ransom.
But don't rush to get the money together. Police across Asia say this sort of scenario is likely to be a scam, and that it is happening more often.
Asian regional police and consumer watchdogs are warning that a wide range of scams are on the rise as more businesses fail and people lose their jobs amid the gloomy global economic outlook.
In recession-hit Singapore, one of Asia's safest cities, police reported a 15 percent increase in phone-scam cases in 2008 from the year earlier, with 7.6 million Singapore dollars (5.1 million US) reported lost compared to 4.6 million dollars in 2007.
"The reports have increased dramatically," said David Scott Arul, deputy director of operations for the Singapore Police Force.
In addition to kidnap hoaxes, up nearly 20-fold from 2007-2008, two other phone scams are of concern to Singapore police.
In a lottery ruse, victims are asked to make advance payments before being able to claim a non-existent prize.
Another trick sees telephone conmen posing as court or police officials demanding money to close "investigations" involving the victims.
"Phone scams are expected to continue in these tough economic times and culprits may come up with new methods," the Singapore police said in an annual crime report that also forecast an increase in theft and cheating cases.