Examples of user-triggered reactive emergency account protection are provided, including receiving a request from a first user to suspend online-account activity, wherein the online-account activity includes providing at least one other user with access to information associated with the first user; in response to the request, suspending the online-account activity so that the at least one other user cannot access the information associated with the first user; and providing online interactive guidance to the first user, so as to assist the first user to resume at least a portion of the online-account activity.