Identity theft is one of the biggest problems that anyone can face in today’s era of massive information sharing. The burden of dealing with theft of identity and the willingness to fight back lies with the consumer who is usually the victim. In most cases of identity theft, the victim can certainly start by taking matters into their own hands. However, there are many instances that might require the help of a consumer attorney.
Identity theft does not just mean that someone has tried to hack into your existing accounts.Usually, many people are not even aware that they are victims of identity theft until they step out of the normal routine – for instance when trying to buy a house or refinance their home. There are certain life goals that may prompt a consumer to pull their credit reports only to find out that there are several accounts open in their name. In worse scenarios, a consumer may come to find out that there is a judgment taken against them, or that a bank account has been frozen because of an old judgment on an account the consumer never knew about. In fact, identity theft often leads to a wide array of problems that are related to debt collection as well as credit reporting.
Those who have stolen your identity may have opened up credit card accounts in your first name as well as create enormous charges, thereby ruining your good credit rating. The consequence is that it becomes extremely difficult, if not impossible to make any sort of future purchase that might require financing. Insurance agencies also make use of low credit scores in order to justify high rates and you may be denied employment or even fired from job due to incorrect information in your credit history. Occasionally, consumers discover they are the victims of identity theft when they start to suffer harassment of abusive debt collectors.
What are probable indications of theft of identity?
Identity theft does not just mean that someone has tried to hack into your existing accounts.Usually, many people are not even aware that they are victims of identity theft until they step out of the normal routine – for instance when trying to buy a house or refinance their home. There are certain life goals that may prompt a consumer to pull their credit reports only to find out that there are several accounts open in their name. In worse scenarios, a consumer may come to find out that there is a judgment taken against them, or that a bank account has been frozen because of an old judgment on an account the consumer never knew about. In fact, identity theft often leads to a wide array of problems that are related to debt collection as well as credit reporting.
Those who have stolen your identity may have opened up credit card accounts in your first name as well as create enormous charges, thereby ruining your good credit rating. The consequence is that it becomes extremely difficult, if not impossible to make any sort of future purchase that might require financing. Insurance agencies also make use of low credit scores in order to justify high rates and you may be denied employment or even fired from job due to incorrect information in your credit history. Occasionally, consumers discover they are the victims of identity theft when they start to suffer harassment of abusive debt collectors.
What are probable indications of theft of identity?
If you are a victim of identity theft, there is possibility that you will incur huge credit card debt or suffer other kinds of debt and credit issues. In order to remain alert, it is important that you be aware of possible signs that may indicate theft of your identity. For example, if unidentified credit accounts have been included on your credit report, or if you get mail or any sort of offers from per-approved credit at any other person’s name right at your workplace or even at your home, then there is possibility that you are a victim of identity theft. Other indications include the companies with whom you have not done any sort of business are highlighted on your credit report, listing of alias name or even address that you have not used at all, receiving bills, statements or any other details related to account that you never opened at any point of time and so on.
If you suspect that you are a victim of any sort of theft of identity, you have rights. Almost always, creditors and credit bureaus insist that the victims of identity theft provide a police report. All too often, victims of identity theft find they are turned away by local police when they try to lodge their complaint. Simply providing an affidavit, as outlined by the Federal Trade Commission, may not be enough for some creditors. If you are the victim of identity theft and cannot seem to clear your name, you should consult a consumer attorney who can help you to learn about your rights, prepare your case and help you to fight back in the best possible way. Wish to hire one such experienced attorney? Contact Dana Karni of Karni Law Firm, P.C. She is experienced in handling lawsuits that are associated with identity theft, debt defense, auto fraud cases, lawsuits against abusive debt collectors and other consumer rights issues.
This information is provided for educational purposes only. There is no attorney-client relationship with Karni Law Firm until a contract is signed by the attorney and the client.
If you suspect that you are a victim of any sort of theft of identity, you have rights. Almost always, creditors and credit bureaus insist that the victims of identity theft provide a police report. All too often, victims of identity theft find they are turned away by local police when they try to lodge their complaint. Simply providing an affidavit, as outlined by the Federal Trade Commission, may not be enough for some creditors. If you are the victim of identity theft and cannot seem to clear your name, you should consult a consumer attorney who can help you to learn about your rights, prepare your case and help you to fight back in the best possible way. Wish to hire one such experienced attorney? Contact Dana Karni of Karni Law Firm, P.C. She is experienced in handling lawsuits that are associated with identity theft, debt defense, auto fraud cases, lawsuits against abusive debt collectors and other consumer rights issues.
This information is provided for educational purposes only. There is no attorney-client relationship with Karni Law Firm until a contract is signed by the attorney and the client.
