Pretending to be an authority scam is when someone poses as an authority figure, such as a police officer, government official, or bank representative, in order to steal your money or personal information. These scams can be devastating and can even lead to bankruptcy. Here's what you need to know to avoid falling victim to these scams:

1. Be cautious: If someone contacts you claiming to be an authority figure, be cautious. Scammers may use official-sounding language and threaten you with fines or arrest in order to scare you into giving them money or information.

2. Verify their identity: If you're unsure whether someone is who they claim to be, ask for their identification and contact the relevant authority to confirm their identity. Don't provide any personal information or money until you're sure they're legitimate.

3. Don't act in haste: Scammers often try to pressure you into acting quickly, but don't let them rush you. Take your time to verify their identity and think through your actions before providing any information or money.

4. Report suspicious activity: If you think you've been targeted by a pretending to be an authority scam, report it to the Federal Trade Commission or to your state attorney general's office.

Pretending to be an authority scams can lead to bankruptcy if you fall victim to them. Scammers can steal your money or information, which can have a devastating impact on your finances. If you've already fallen victim to one of these scams, seek help from a financial professional or bankruptcy attorney. They can help you navigate your finances and get back on track. Remember to always be cautious when dealing with someone claiming to be an authority figure, and verify their identity before providing any information or money.