You are not the first person this happened to, and you are not in trouble. Scammers fool millions of smart people every year. Let's fix it — one step at a time, starting right now.
Don't reply, don't argue, and never pay anything more — even if they threaten you. Block the account, number, or email right now.
Change your passwords immediately, starting with your email (it's the master key to everything else). Turn on two-factor authentication everywhere it's offered.
Leave the Discord server or group chat, unfriend and report the account, and exit any game lobby or trade the scammer set up.
A parent, grandparent, or teacher. Saying it out loud is the fastest way to fix it, and no one worth trusting will be mad at you for being targeted.
For adults and grandparents — freezing stops scammers from opening accounts in your name. Do it at Equifax, Experian, and TransUnion; it's free and takes minutes. Parents can also freeze a child's credit.
Check your bank and card statements for anything you don't recognize. Call the bank's fraud line to dispute charges — the number is on the back of the card.
File a report at reportfraud.ftc.gov. If personal information like a Social Security number was taken, also go to IdentityTheft.gov for a recovery plan.
Anyone who contacts you promising to get your money back for a fee is scam #2 — scammers sell victim lists to each other. Real help never cold-calls you.