New fraud?

What would you do in this situation?:

You find a good program to invest that show you real trading, ID and telephone verified and all seems perfect.

But some months later the Admin of this program tells you that he must close his program without sending a valid proof of this action. Well, you think, I will receive my funds very soon and I will invest in another good program.

Ok, but then you receive an email from this Admin and it says that all members will be refunded in partial payments, and these partial payments will be about 5% monthly of your deposit. So, you are not going to receive your promised profit never more, and the most important: you must wait 20 months to receive your real money!!

You are losing a lot because this money could be making profit in other programs or even in your bank, and perhaps you need your money and you must wait a lot of months to receive it.

You know that if lawyers take part in this situation you will receive only a part of your funds and this Admin could live in another country, so it will cost you a lot of money to get your funds with lawyers. And of course, any program has a disclaimer section and you are not sure if you will get your funds or not.

So, what can you do?. Is this a new strategy from scammers?.

It’s easier to get money from many members instead of going to your bank and asking for a loan. And then you are making profit with the money of these members and paying them only their deposits (partially) without profit.

Any suggestions are welcome. Thanks.