It doesn't matter if it's a scam or not, the key is to get the money back, of course, it's difficult.
As the old saying goes: The official breaks ten roads. There can be ten outcomes for the same question. This gives you the possibility to be proactive in solving problems.
The methods taken include the following:
One is to directly ask his relatives and friends for money, such as the ex-boyfriend's parents, siblings, and even his current one, show evidence, state reasons, and make requests, of course, the consequences must be mentioned, that is, criminal accusations, otherwise the police will be called, and there is a possibility of pursuing the criminal responsibility of the ex. Then there is a 1 in 4 chance that the family will solve the debt problem in order to protect your ex-boyfriend. Or pay off the debt or reach a repayment agreement to settle it gradually. This needs to test your wisdom and ability, and in practice, there are indeed problems that the family is willing to repay, because love may not be reliable, but the specific social relationship of relatives is still reliable, especially close relatives such as spouses, parents, and siblings.
The second is to call the police and ask for processing. Reporting to the police does not necessarily determine fraud or crime and investigate criminal responsibility, but initiates the verification procedure of the public authority and gradually solves their own problems. First of all, you have to find someone, if you can provide relevant evidence, so that your ex-boyfriend is suspected of fraud, contract fraud, fund-raising fraud, and illegal absorption of public deposits, the public security organs can accept the preliminary investigation, at least to help you find your ex-boyfriend, and you need to implement the situation you reported. Or order not to file a case or file a case if the conditions for filing a case are met, of course, there will be the last result you want the most, mediate the dispute between the two parties, let the two parties reach an agreement or repay the money, and from then on, the victim will no longer sue to withdraw the case.
The third is court prosecution. The cost is high, the efficiency is low, and the difficulty of operation is small. As long as your factual evidence meets the requirements of the loan, the court will decide to win the case for a high probability event, the key is that it is very difficult to implement, please be prepared for a long-term war of resistance.
In other ways, there are exceptions where there are principles, and it is difficult to get the account, but there are always people who want the money back, such as specialized legal firms. It is possible that you will get your money faster, although the cost is generally more expensive.
Finally, any remedial action may not help, just as a person has a disease to be cured, there may be unsatisfactory results. Therefore, if the input cost is too large, and there is no possibility of getting the money back, it is better to start a new life, for ordinary people, forgetting the pain is actually the best way to get rid of it.