In the last blog I gave you some tips about how to guard against identity theft. Today I would like to supply you with some steps you should take if you think you are having a problem with identity theft:

• Let the company involved know about the safety breach
• Inform law enforcement authorities
• Notify all three credit reporting agencies: Equifax, Experian, TransUnion
• Notify the FTC
• Immediately close any credit and debit accounts that may have been subject to theft or loss
• Your credit card company offers protection against purchases that were not authorized. Under federal law, fifty dollars is your maximum liability for unauthorized use of your credit card. If you find unauthorized charges on your billing statement, send a letter to the company informing them of each charge. Be sure to include all of the specific information related to the unauthorized charge such as the date your card was lost or stolen, when you first noticed the problem, and when you first reported it. You should mail the letter to the department that handles billing errors.
• Be sure to maintain all of the paperwork that is involved in your fraud case. You will more than likely be asked to provide corroborating evidence of the unauthorized transaction or identity theft. This will include receipts of expenses, law enforcement or governmental agency reports, a signed affidavit, and insurance declaration forms.

If you have any questions and live in Colorado please feel free to contact me. I am here to help. Kevin D. Heupel, Colorado Bankruptcy lawyer, 303-955-7570, COBankruptcyHelpEmail, free-consultation form.