Fighting For Victims Of Identity Theft
Theft of personal and financial information is one of the most lucrative crimes that one can commit. It seems that every few months, millions of Americans have their information stolen in massive data breaches. Others are targeted through phishing and other online scams.
If you have been a victim of identity theft, you are not alone and you are not to blame. Unfortunately, your financial institution may try to hold you responsible for the crimes a criminal has committed using your information.
In order to protect yourself from being victimized twice, you need a strong legal advocate on your side. At Hays Cauley, P.C., we have more than 25 years of combined experience fighting for people just like you.
How Do You Know If You’ve Been A Victim?
Consumers are not always alerted about suspected identity theft. In fact, it may go undetected for many months, especially if criminals make some initial payments to make the fraudulent account seem legitimate.
You may not know you have been targeted until:
- You start receiving calls about credit cards or other accounts you didn’t open.
- You are denied credit (or other amenities based on your credit score) even though you are financially responsible.
- You receive notice that you are being sued by a creditor or debt collector.
- You check your credit report and find that it is full of activity you did not authorize.
What Can You Do After You Discover Identity Theft?
It is critical to act as soon as you notice problems or potential red flags. You can:
- Call the credit reporting agencies and add a fraud alert to your credit report
- Ask reporting agencies to put a credit freeze on your credit report, which prevents anyone from viewing your credit report unless you lift the freeze (this service is free in South Carolina)
- Obtain a copy of your credit report through the mail
- File a police report and provide a copy of the report to the credit reporting agencies
Protect Yourself From Financial Liability By Calling A Lawyer
If you have taken the steps listed above and the problem has not been corrected, it’s time to seek help from the attorneys at Hays Cauley, P.C. We believe that you should not be held accountable for the crimes of others, and we will work tirelessly to keep lenders and financial institutions from passing the costs on to you.
Free Consultations Available. Call Today.
With an office in Florence, Hays Cauley, P.C., represents victims of identity theft throughout South Carolina and Alabama. To learn how we can help you, please fill out our online contact form or call 843-773-2782.