Congratulations!

You've won the lottery!

Well not quite-- i's just an online scam.

And with economy so poor, people are desperate.

"They need the money and they see this like money falling from heaven or something," said Linda Chambers, of the Better Business Bureau.

And those lottery scams are just the tip of the iceberg.

Linda Chambers of the Better Business Bureau has heard them all.

Like the online banking scam.

"If you get anything from a financial institution saying they need to update your financial system, click off that email and do not open it," stated Chambers.

"What they want you to do is steal your identity, steal the money out of your bank account and get your credit card info," added Chambers.

And even the DTV coupon scam.

Instead of going to dtv.gov to get their coupon, many people are accidentally going to dtv.com.

It turns out dtv.com leads directly to a site from a firm called SatelliteSoft.

The web site advertises a satellite TV software product and seeks personal information from consumers.

"You don't need to be going online to somebody that you don't know anything about to find out about this, you can go to your TV station and they'll tell you exactly how to get that coupon," said Chambers.

And then there's the fake product scam.

You buy something online, but it never comes.

But there is a way to fight this one: don't use cash or a check.

If you use a credit card to pay for it, you can stop payment on that by calling your credit card company, " said chambers.

She also adds, the way to fight these scams is knowing as much you can about them.

The best thing to do though is to not fall victim in the first place," added Chambers.

To prevent falling for such scams, the Better Business Bureau, along with the Federal Trade Commission, offer these tips to consumers:

If you get an e-mail that warns you, with little to no notice, that an account of yours will be shut down unless you reconfirm your billing information, do not reply or click on the link in the e-mail. Instead, contact the company referenced in the e-mail using a telephone number or web site address you know to be genuine (because it appears on a billing statement, for instance).

Avoid e-mailing personal and financial information. If you have determined the web site to be legitimate and do decide to submit financial information, look for the "lock" icon on the browser's status bar. It signals that your information is secure during transmission.

Review your credit card and bank account statements as soon as you receive them to determine whether there are any unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances.

The Top 10 Internet Scams for 2009 - predicted by E-Victims:

1. Identity theft and phishing - The black market for financial data on individuals is well established. Criminals try to steal your personal data using different techniques; phishing, social networks, telesales, hacking into websites, setting up bogus websites etc. Don't share unnecessary personal data with websites. If they insist on your date of birth, post code etc. - don't use your real ones.

2. Viruses and spyware - They are everywhere. It is impossible to know if you are visiting an infected website. If you download a pdf, it may or may not be infected. If you view a YouTube video, watch a flash ad, they may infect your computer too.

3. Advance fee scams - Nigerian and lottery scams have also been around for years, but they still work. There maybe a hundred variations to these scams but they are all basically the same. They offer a large sum of money, but there is always a fee to pay before you get it.

4. Work at home and job scams - These scams have been around for years, but rising unemployment will mean that we expect more scams targeting vulnerable job seekers.

5. Fake or spoofed websites - Phishing, domain hi-jacking, posting in forums are just some of the ways criminals attract you to their fake sites. These bogus online retailers offer a great deal, or impossible to find items, to attract victims. They set up a site for a short time, then shut it down only to set up a new site and do it all over again.

6. Economy related scams - Loan and debt consolidation scams have been increasing throughout 2008. There will be new ones look out for, including repossession assistance and unemployment insurance.

7. Classified ads and auction scams - Scammers use local online classified ads, CraigsList etc. to find new victims. Then they contact sellers with fraud cheque scams, offering to buy something or rent a room. They send a cheque for more money than agreed, with an excuse as why you should send the extra money back to them or their friend. The cheque is a fake and they hope you wire the money before you find out.

8. Holiday Scams - Can't afford a great holiday this year? Well the scammers know the credit crunch has hit the holiday budget. So, they are advertising some incredible deals. Unfortunately, the deals aren't real.

9. Ticket Scams - We saw large scale ticket fraud with the Beijing Olympics. Criminals are producing counterfeit tickets for concerts, festivals, football games and other events. They sell them online via auction sites, classified ads or by setting up their own website.

10. Social Networking - A hot scam is sending messages that tell someone they are in a You Tube video or mentioned on Twitter. When they follow the link their computer gets compromised. Dating scams, hacked accounts, conmen that contact friends and family claiming they are in trouble and need money - these are some of the most popular scams we see with social networks.