Identity theft has become a large concern for consumers. With major data breaches from companies like Target, and Experian identity theft is more common than you think. There are a variety of methods that identity thieves use to acquire personal information.
Some of the more common methods include:
• Data breaches of financial institutions or major retail companies
• Discarded mail or other records found in your trash
• Stealing mail from the mailbox or redirecting your mail to a different address
• Telephone scams
• Internet scams
• Stealing wallets or purses
What to do when your a victim of identity theft?
The task of clearing your name can be challenging and time consuming and often requires:
• Filing a police report
• Filing a report with the Federal Trade Commission
• Contacting financial institutions to initiate fraud alerts or close accounts
• Contacting credit bureaus to remove fraudulent information from a credit report
• Contacting creditors or debt collection agencies
An identity theft attorney has experience with creditors and debt collection companies and also understands their legal obligations to cooperate with you. Once you hire an attorney, creditors and debt collection agencies, will be prohibited from contacting you directly. Identity theft attorneys can also advise you of all of the rights and the remedies available to you under federal and state law. Under federal law and state law, if creditors and debt collectors do not follow the law, victims of identity theft may be entitled to damages and relief from collection.