If you are someone who is having serious financial or legal issues because you either had your identity stolen or you are being harassed by debt collection agencies, the time to take action is now. Fortunately, our firm is here to help, and you can depend on an experienced Ventura County, California consumer attorney right here at our legal team to fight for you and help you regain control of your life. Read on and contact Loker Law, APC today to schedule your free initial consultation with our firm.
Ventura County, California Consumer Attorney | Here to Fight for Your Rights
Loker Law, APC is significantly experienced in helping consumers who’ve incurred financial and legal difficulties along the way. We know that when an identity is stolen, or letters/phone calls of significant debts allegedly owed pile up, life can get very stressful, very quickly. No matter your situation, if you find yourself in trouble financially or with regard to the security of your identity, you can rely on our firm to effectively fight for you.
Our Legal Services
Our Ventura County, California consumer attorney has dedicated his legal career to being a staunch advocate for clients facing various consumer-related issues, including the following:
Our Identity Theft Services
Most of us would like to believe that our sensitive and private information will be kept private. Unfortunately, because we live in a time where a significant portion of this data is stored online, it makes it vulnerable to hackers, scammers, and other types of cybercriminals. Added to this, old-fashioned pickpockets and others still exist, who may simply steal your credit card from your person and use it to make fraudulent purchases. Our firm helps clients facing the following types of identity theft:
- Domestic Identity Theft
- Digital Signature Fraud
- Senior Identity Theft
- Unauthorized ATM Charges
- Unauthorized Bank Transfers
- Unauthorized Credit Card Transactions
What Steps Should I Take if My Identity Has Been Stolen?
Discovering that your identity has been stolen can be both shocking and overwhelming. It’s a violation of your privacy that can have serious financial and legal implications. However, it’s crucial to take immediate and decisive action to mitigate the damage and protect your rights. Here are the steps you should follow:
- Report the Theft Immediately: Contact the major credit reporting agencies (Equifax, Experian, and TransUnion) and report the theft. Request that they place a fraud alert on your credit report, which will warn creditors to verify identity before extending credit in your name. Consider placing a credit freeze, which stops all access to your credit report.
- Notify Your Financial Institutions: Reach out to your bank, credit card issuers, and any other financial institutions where you hold accounts. Inform them about the identity theft and follow their procedures to secure your accounts. This may involve closing current accounts and opening new ones.
- File a Report with the Federal Trade Commission (FTC): The FTC is the national consumer protection agency that collects complaints about identity theft. Filing a report with the FTC helps them track identity theft patterns and can assist you in recovering your identity. This can be done online or by calling their hotline.
- File a Police Report: While the police may not be able to directly recover stolen funds or catch the thief, filing a police report is important. It provides you with an official document that proves the crime occurred, which is necessary when dealing with creditors and possibly in court.
- Secure Your Personal Information: Change passwords and PINs for your online accounts, especially those related to banking and email. Consider using a secure password manager. Additionally, secure any physical documents that contain sensitive personal information.
- Monitor Your Credit Reports and Accounts: In the months following the theft, regularly check your credit reports for any unauthorized accounts or transactions. Also, monitor your bank statements and bills for anything unusual. The quicker you spot something amiss, the easier it will be to address.
Debt Collection Harassment & Debt Collection Defense
Debt collectors will do anything to get what they believe they are owed, including persistent harassment. If you are being harassed to pay off debts, you should understand that you do have rights, and there are statutes designed to protect consumers. Our firm understands these statutes and can use them to your benefit.
Contact a Ventura County, California Consumer Attorney
The bottom line is that our firm truly cares about your future. We protect consumers throughout the state of California, and we are here to protect you as well. Contact Loker Law, APC today to schedule your free initial consultation with our legal team.
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