Loker Law

San Benito County, California Consumer Attorney

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Consumer Attorney San Benito County California

Here at Loker Law, APC, we believe in the rights of consumers in San Benito County, California, and across the state of California, and if you recently experienced an incident of identity theft or you are being ceaselessly pestered by a debt collection agency, you need to contact a San Benito County, California consumer attorney from Loker Law, APC as soon as you can. From the moment you walk through our doors, you’ll have peace of mind, knowing that you have a competent and dedicated legal team on your side.

San Benito County, California Consumer Attorney | Here to Fight for Your Rights

Loker Law, APC is significantly experienced in helping consumers navigate the complexities of various identity theft and debt collection matters. We believe that our clients are owed competent legal assistance when they need it, and we pledge to give your case our all. If you need a legal team that has what it takes to aggressively defend you against debt collection agencies or identity thieves, you’ve come to the right place.

Our Legal Services

Our San Benito County, California consumer attorney is a champion of consumers around the state of California. We handle a wide array of consumer-related issues, including the following:

Our Identity Theft Services

We live in a time where our personal information is constantly at risk of being stolen or otherwise used against us. Regardless of the circumstances of your case, if you are a victim of identity theft, our firm is here to help you in any way we can. We proudly assist clients facing the following incidents of identity theft:

Identity Theft FAQ

Q: What steps should I take immediately after discovering I’m a victim of identity theft?

A: First, contact the major credit reporting agencies and place a fraud alert on your credit reports. This step makes it harder for the identity thief to open more accounts in your name. Next, report the identity theft to the Federal Trade Commission (FTC) online at IdentityTheft.gov or by calling their hotline. The FTC will create an Identity Theft Report and recovery plan for you. Finally, file a report with your local police department. This can help in legal proceedings and is often a required step in disputing fraudulent charges or accounts.

Q: How can Loker Law, APC assist me with identity theft?

A: At Loker Law, APC, we provide comprehensive legal assistance for victims of identity theft. Our services include helping you to dispute fraudulent accounts and transactions with creditors and credit bureaus, ensuring proper removal of unauthorized charges from your credit reports, and possibly pursuing legal action against the perpetrators if necessary. We also offer guidance on safeguarding your information to prevent future incidents.

Q: Can identity theft affect my credit score, and how can I fix it?

A: Yes, identity theft can significantly impact your credit score due to unauthorized transactions, accounts, and inquiries. To fix your credit, you’ll need to dispute any inaccuracies with the credit reporting agencies by providing them with a copy of your Identity Theft Report and any other documentation that supports your case. Our legal team can help you through this process, ensuring that all fraudulent activities are properly disputed and removed from your credit report.

Q: What is the difference between fraud alerts and credit freezes, and which should I use?

A: A fraud alert notifies potential creditors to verify your identity before opening new accounts or making changes to existing ones, offering an added layer of protection. A credit freeze, on the other hand, locks down your credit reports, preventing new creditors from accessing them altogether, which makes it nearly impossible for identity thieves to open new accounts in your name. While both are effective, a credit freeze offers a higher level of security. We can advise you on which option is best suited to your specific situation.

Q: How long does it take to recover from identity theft?

A: The recovery time from identity theft can vary greatly depending on the severity of the case, the steps taken to resolve the issue, and the responsiveness of credit bureaus, creditors, and law enforcement. Some victims resolve their issues within a few months, while others may take a year or more. At Loker Law, APC, we understand the urgency and frustration that come with identity theft and strive to expedite your recovery process, providing support and legal advice every step of the way.

Q: Is there any way to completely prevent identity theft?

A: While it’s impossible to entirely prevent identity theft, there are several measures you can take to significantly reduce your risk, such as regularly monitoring your credit reports, using strong and unique passwords for online accounts, securing personal documents, and being cautious about sharing personal information, especially online. Our team can provide you with a comprehensive list of preventative steps tailored to your lifestyle and concerns.

Debt Collection Harassment & Debt Collection Defense

Debt collectors are known to use various scare tactics when attempting to get people to pay what they believe they are owed. This is unethical, and often, unlawful, and if you are being harassed by debt collectors or you need a strong legal advocate to defend you against threats of significant debt collection, you can rely on us.

Contact a San Benito County, California Consumer Attorney

The bottom line is that our firm truly cares about your future. If you need a consumer attorney you can depend on, all you need to do is contact Loker Law, APC today to schedule your free initial consultation with our legal team.

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