Why Avoiding LegalShield At Your Company Could Be Expensive For Your Business!

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Why Avoiding LegalShield At Your Company Could Be Expensive For Your Business!"

Transcription

1 Why Avoiding LegalShield At Your Company Could Be Expensive For Your Business! Don t your employees and their families deserve your help if your business knows about ways to keep them protected from the stress and expense of dealing with an identity theft or legal issue in our world today? Isn t this important to your company too; especially when your company can minimize the losses in employee productivity that these problems cause! As a service to all employers, I am providing this summary of information to hopefully get your attention regarding the need for every business to provide their employees Identity Theft and Legal Protection Plans so that your company can AVOID the losses in employee productivity found to cost an average of more than $1,200 per employee annually! And there is no cost to your company to put the LegalShield Voluntary Employee Group Benefit Plan in place for your employees. So whether your business has 50, 500, or 5,000 employees, the time your employees are taking during work hours to try and restore a stolen identity or to resolve a legal issue can cost your company $60,000, $600,000, or $6 Million annually due to lower employee productivity! The LegalShield Employee Group Benefit Plan is the best solution for your company. The very person you may Bill Hughes Jr. Management Consultant help the most is you and your own family by Authorized LegalShield Independent Associate investigating this benefit plan! Office: or Cell: After reading this brochure, could you with a clear conscience sign this? I have read this brochure and I do not feel our company s employee productivity will be affected enough to worry about scheduling any presentation for more information about saving money or providing my employees the LegalShield Voluntary Identity Theft and Legal Employee Group Benefit Plan even though it would be just pennies a day for my employees and I understand there is no charge to my company to put this Employee Group Benefit Plan in my company. Signed: Executive Responsible As of this Day Identity Theft and Legal Issues cost billions of dollars annually in loss of employee productivity. These problems occur at every business and is causing stress to millions of employees and their family members! As management you have an opportunity to help your employees and save your company money on the bottom line at the same time. Here s What The Public And Most Businesses Don t Know About Identity Theft Affecting Employees! Not All Identity Theft Can Be Prevented - 17 million employees had their identity stolen in databases at businesses, hospitals, and government agencies last year alone and 11 million became victims of Identity Theft. The remaining 6 million identities are in an inventory held by Identity Theft thieves! There isn t a way to stop computer hackers from stealing your employees identity! 1

2 The Public is Unaware Of What Identity Theft Includes - Most people think Identity Theft is only Financial or Credit related. They overlook Driver s License, Social Security or Employment, Medical, Criminal, and Child ID Theft! Driver s License ID Theft The Identity Thief sells a forged Driver s License and perhaps other identification documents with your information to 1,000 s or tens of thousands of people. Some of them in the course of just living their lives will commit traffic crimes and be charged with DUI, DWI, even involuntary manslaughter because they accidentally killed someone with a moving car. But the offender just disappears and buys another stolen driver s license and you end up being picked up by the police for the warrant out for your arrest. Will you eventually get cleared of these false traffic moving violations and legal charges? After a lengthy period of frustration, spending a ton of money to defend yourself, and after missing work at your employer s business, you will eventually get cleared of this ONE traffic incident and then the whole process starts over again when either another law enforcement s database is still reporting you are wanted and they cuff you again or there is another offender with your driver s license who has another DUI, DWI, or involuntary manslaughter charge against them. I mean against you!!! You see, unfortunately because your records are not restored back to their PRE-THEFT status, you are likely to be picked up by law enforcement repeatedly for the same charge. What a hassle! All this because all of the records in databases at companies and government agencies will never change your records that got affected back to their PRE-THEFT status! Employment ID Theft The Identity Thief sells a forged social security card and perhaps other identification documents with your information to 1,000 s or tens of thousands of people. Some of them will go get employment and not pay the income tax owed. So in a couple of years the IRS opens a case to charge you with Tax Fraud and failure to pay your income tax due on dozen s of employer reports that they paid you for working there! But the offender just disappears and buys another stolen social security card with someone else s identity and moves on to another employer and you end up charged with Tax Fraud and taken to court by the IRS. Will you eventually get cleared by the IRS? After a lengthy period of frustration, spending a ton of money to defend yourself, and after missing work at your employer s business, you will eventually get cleared and then the whole process starts over again with another offender who bought your identity. You could lose your job, get denied employment everywhere you apply, and ruin your credit! And, all of the records in databases at companies and possible even some government agencies will never change your records that got affected back to their PRE-THEFT status! Do you think this will affect your employee productivity at your company? 2

3 Medical ID Theft The Identity Thief sells a forged medical insurance card along with other identification cards with your information to thousands of people. Some of them will seek medical treatment. You could owe money for a procedure you never had. You could be unable to obtain medical or life insurance, or other coverage because you are declined for reportedly having certain health conditions in your medical record or you are forced on to a government provided health plan. You could be unable to obtain medical or life insurance, or other coverage because you are declined for reportedly having certain health conditions in your medical record or you are forced on to a government provided health plan. Your rates can go up or your coverage can be cancelled when your benefits exceed the maximum limit of coverage or you are forced on to a government health plane. And, when some one else's medical history is co-mingled with your medical records that could either impede getting the proper treatment or even risk your life or the life of a spouse or child for getting the wrong medical treatment! Will you eventually get all of these issues cleared up? Many victims after a lengthy period of frustration, spending a ton of money, and after missing work at their employer s business, still have bad information in their medical records. And, equally frustrating, even when efforts are made to catch the offenders, they usually have moved on to purchase some other identity theft victim s medical insurance cards! And then the whole process could start again when another offender with your medical insurance card and other identification cards starts getting medical treatment. And, all of the records in databases at insurance companies, hospitals, and even some government agencies will never change your records that got affected back to their PRE-THEFT status! Criminal ID Theft The Identity Thief sells forged documents with your information to 1,000 s or tens of thousands of people. Some of them have the intent to commit crimes and then disappear while law enforcement tracks you down with a warrant for your arrest. Will you eventually get cleared of this crime? After a lengthy period of frustration, spending a ton of money to defend yourself, and after missing work at your employer s business, you will eventually get cleared of this ONE crime and then the whole process could start over again when another offender with your identity starts the whole process again. By now though you could lose your job, get denied employment everywhere you apply, and you could have a lot of other problems in you life! And, all of the records in databases at companies and possible even some government agencies will never change your records that got affected back to their PRE-THEFT status! 3

4 Child ID Theft The Identity Thief sells a forged social security card with your child s social security number to 1,000 s or tens of thousands of people. Some of them have the intent to commit financial or credit related fraud and then disappear. How will you explain to your child when they turn 18 and try to rent an apartment, rent a car, buy car, or try to get a loan for anything but they then find out their credit is ruined because they had foreclosed properties, $39,000 debt on credit cards, and they might not even be able to get a job! After a lengthy period of frustration, spending a ton of money to help your child, and after missing work at your employer s business taking time to try and help your child, you might finally make some progress! And, all of the records in databases at companies and possible even some government agencies will never change your child s records that got affected back to their PRE-THEFT status! Financial/Credit ID Theft The Identity Thief sells forged documents with your information to 1,000 s or tens of thousands of people. Some of them have the intent to commit financial or credit related fraud and then disappear. When all this is discovered the offender just disappears and buys another stolen identity and moves on destroy someone else s financial life! Will you eventually clear your credit up? After a lengthy period of frustration, spending a ton of money to defend yourself, and after missing work at your employer s business, you will eventually get most of this cleared up. But, not all of the records in databases at companies and possibly even some government agencies will be changed back to their PRE-THEFT status! The Federal Trade Commission has reported the following: the average time an employee spends trying to resolve identity theft is 600 hours and most of that time is on Company Time. The FTC also reports that they expect the majority of Americans will have their identity stolen in as short of a time period as 5 years! BLR Business & Legal Resources helps U.S. businesses become more successful. According to their Special Report, Best Top 10 HR Practices in 2009 they report that employers lose over $600 per employee to identity theft their employees have! 4

5 What Is The Solution? This is not intended to take the place of a full presentation, but the short answer is the following. LegalShield, Inc. has contracted with Kroll Advisory Solutions, an organization that is recognized by governments around the world, the U.S. government and all its agencies, and most of the major corporations worldwide as the Number 1 Security Risk Firm in the world! They use licensed fraud investigators who were formerly investigative agents for such organizations as the FBI, CIA, DOD, and NSA. This is important when you are trying to correct the records in the databases of big corporations and government agencies. They are the ONLY organization that restores the stolen identity of employees and their family members for ALL types of Identity Theft! Here s What The Public And Most Businesses Don t Know About Legal Issues Affecting Employees! Studies show that 7 out of 8 employees have had some sort of legal issue in their family in the last year... - Harris Interactive Even law abiding Americans will encounter a potential legal situation an average of FOUR to SIX times a year... National Resources Center For Consumers of Legal Services 48.2% admit in studies that they ve taken time from work for at least one personal legal issue in the past year- LSK Research Study Presenteeism accounts for 61% of an employee s total lost productivity and medical costs - Cornell University study, Journal of Occupational and Environmental Medicine 49% of employees lose productivity at a rate of 1 hour or more per day due to stress. Business Legal Resources The cost of employee absences is very significant, amounting to 36% of payroll, including costs for the wages paid to employees while absent, lost productivity or replacement worker and administrative expenses. Mercer Stress costs businesses $9,500 per employee-over $300 billion annually Bureau of Labor Statistics American Bar Association (ABA) statistics indicate that nearly nine out of ten employees do not have an attorney of their own. Most employees are intimidated by the legal system and the high cost associated with retaining an attorney. Employees with legal issues, Are absent 5 times more often than the average employee! Use their medical benefits 4 times more often! Use Sick Leave twice as often as the average employee! Experience a substantial reduction in their productivity! Troubled, distracted, and stressed employees are NOT productive on the job! The challenge is how to get this help to your employees without paying $250 to $300 an hour! The LegalShield Plan effectively puts an attorney on retainer for about the cost of a cup of coffee each week if anyone has a need for legal help or advice on other matters. 5

6 Harris Interactive is one of the world's leading market research firms, leveraging research, technology, and business knowledge to make business decisions. According to Harris Interactive, employers lose over $600/employee annually to legal issues that employees experience! What Is The Solution? This is not intended to take the place of a full presentation, but the short answer is the following. LegalShield, Inc. has 4 million people covered with their legal plan and over 34,000 companies that offer their Voluntary Employee Group Benefit Plan. The Legal Plan is designed to handle 80% of the most common legal matters that employees and their families need legal help on for about the cost of a cup of coffee a week! They are the ONLY organization that provides legal services for employees using a Closed Network Panel for superior attorney services at the lowest cost to employees! What Does All this Mean To Your Business? These business concerns are causing a significant financial loss to businesses. For example, if you have 50, 500, or 5,000 employees, the time taken during work hours to try and restore an identity or to resolve a legal issue can cost your company $60,000, $600,000, or $6 Million annually due to lower employee productivity! Businesses really need to put in place the LegalShield voluntary Employee Group Benefit Plan with Identity Theft Protection Plans and Legal Protection Plans that will protect their employees and their families or accept a lower profit margin in future years! Please Contact Us To Schedule A Formal Presentation For Your Executive Team! Bill Hughes Jr. Management Consultant - Authorized LegalShield Independent Associate 6

15 Bad Things Identity Thieves Can Do With Your Identity

15 Bad Things Identity Thieves Can Do With Your Identity This free ebook is provided to help you protect yourself from fraud and identity theft by LeMay Mobile Shredding. LeMay Mobile Shredding offers mobile document shredding to help you destroy old tax forms,

More information

Do s & Don ts Reference website. www.farmersidentityshield.com

Do s & Don ts Reference website. www.farmersidentityshield.com What is identity theft? How do thieves steal an identity? What do thieves do with a stolen identity? How can you find out if your identity was stolen? How long can the effects of identity theft last? What

More information

I know what is identity theft but how do I know if mine has been stolen?

I know what is identity theft but how do I know if mine has been stolen? What is identity theft? You might hear stories on the news about stolen identities, but what is identity theft? When someone uses the personal information that identifies you, like your name, credit card

More information

The Federal Trade Commission reports that identity theft has been the NUMBER ONE consumer complaint for FOURTEEN consecutive years!

The Federal Trade Commission reports that identity theft has been the NUMBER ONE consumer complaint for FOURTEEN consecutive years! Identity Theft Facts The Federal Trade Commission reports that identity theft has been the NUMBER ONE consumer complaint for FOURTEEN consecutive years! Identity Theft Facts In 2013, approximately 450

More information

Advantages & Disadvantages of Getting a New Social Security Number

Advantages & Disadvantages of Getting a New Social Security Number Advantages & Disadvantages of Getting a New Social Security Number In This Article You must prove that your current SSN is a disadvantage for you Creditors are wary of an SSN with no credit history The

More information

INTRODUCTION. Identity Theft Crime Victim Assistance Kit

INTRODUCTION. Identity Theft Crime Victim Assistance Kit Identity Theft Crime Victim Assistance Kit INTRODUCTION In the course of a busy day, you may write a check at the grocery store, charge tickets to a ball game, rent a car, mail your tax returns, change

More information

Beware! Identity Theft

Beware! Identity Theft STUDENT MODULE 9.2 FRAUD AND IDENTITY THEFT PAGE 1 Standard 9: The student will identify and explain consumer fraud and identity theft. Beware! Identity Theft Imagine getting a letter from the Internal

More information

An Introduction to Identity Theft. Letbighelptoday.com. Your Free Copy

An Introduction to Identity Theft. Letbighelptoday.com. Your Free Copy An Introduction to Identity Theft Your Free Copy DO I NEED IDENTITY THEFT INSURANCE? Necessary Coverage or False Sense of Security? Identity theft has become a national concern, with 10 million victims

More information

Standard 9: The student will identify and explain consumer fraud and identity theft.

Standard 9: The student will identify and explain consumer fraud and identity theft. TEACHER GUIDE 9.2 FRAUD AND IDENTITY THEFT PAGE 1 Standard 9: The student will identify and explain consumer fraud and identity theft. Beware! Identity Theft Priority Academic Student Skills Personal Financial

More information

Protecting Families, Finances, and Your Future

Protecting Families, Finances, and Your Future Protecting Families, Finances, and Your Future Protecting Families, Finances, and Your Future Types of Identity Theft The Federal Trade Commission reports that identity theft has been the NUMBER ONE consumer

More information

Handling a Crime Committed by Someone You Know

Handling a Crime Committed by Someone You Know Handling a Crime Committed by Someone You Know In This Article Friends and family members, not just strangers, are potential identity thieves Victims may feel pressure not to report the crime Dealing with

More information

EL/Civics Lesson Plan

EL/Civics Lesson Plan Program Name Staff Responsible for Lesson MVCTC EL/Civics Program Mary Ann Oatney Date(s) Used 11/2007 Civics Category Civics Objective Time Frame to Complete Lesson EFL(s) II. Civics Participation II.

More information

Where employees can turn to when

Where employees can turn to when Where employees can turn to when 1. Need legal advice on any matter. 2. You don t have a Last Will. 3. Your identity is stolen. 4. An insurance company doesn t cooperate on your claim. 5. A company refuses

More information

Identity Theft: It CAN Happen to You

Identity Theft: It CAN Happen to You Aging Well: Healthier, Happier and Less Hassled An Educational Series for Seniors and their Caregivers Identity Theft: It CAN Happen to You How would you feel if you were stopped for a traffic violation

More information

UNIT 3 4 Preventing Identity Theft

UNIT 3 4 Preventing Identity Theft UNIT 3 4 Preventing Identity Theft Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes. The perpetrator may use your personal information

More information

Identity Theft and Strategies for Crime Prevention

Identity Theft and Strategies for Crime Prevention Identity Theft and Strategies for Crime Prevention National Crime Prevention Council 2005 Objectives What is identity theft? Why worry about it? How does it happen? Why has identity theft emerged? What

More information

PROTECTING YOURSELF FROM IDENTITY THEFT. The Office of the Attorney General of Maryland Identity Theft Unit

PROTECTING YOURSELF FROM IDENTITY THEFT. The Office of the Attorney General of Maryland Identity Theft Unit PROTECTING YOURSELF FROM IDENTITY THEFT The Office of the Attorney General of Maryland Identity Theft Unit CONTENTS 1) What is Identity Theft? 2) How to Protect Yourself From ID Theft. 3) How to Tell If

More information

How child identity theft happens.

How child identity theft happens. How child identity theft happens. Facts you should know about identity theft. What is identity theft? Identity theft is the act of using someone s personal information such as an account number, driver

More information

SECURITY FREEZE INFORMATION FOR KENTUCKY RESIDENTS

SECURITY FREEZE INFORMATION FOR KENTUCKY RESIDENTS SECURITY FREEZE INFORMATION FOR KENTUCKY RESIDENTS If you live in Kentucky, you have the right as of July 12, 2006, to put a Asecurity freeze@ on your credit report with each credit reporting agency. A

More information

Citi Identity Theft Solutions

Citi Identity Theft Solutions Identity Theft what you need to know Citi Identity Theft Solutions At Citi, we want to keep you informed about all of the issues that can affect your financial life. We re bringing you helpful information

More information

Protecting Families, Finances, and Your Future

Protecting Families, Finances, and Your Future Protecting Families, Finances, and Your Future Contact Information Protecting Families, Finances, and Your Future www.harvardbenefits.com Company Profile In business since 1993 Employee Benefit Specialists

More information

Security Breaches. There are unscrupulous individuals, like identity thieves, who want your information to commit fraud.

Security Breaches. There are unscrupulous individuals, like identity thieves, who want your information to commit fraud. IDENTITY THEFT Security Breaches Our economy generates an enormous amount of data. Most users of that information are from honest businesses - getting and giving legitimate information. Despite the benefits

More information

Child Identity Theft Education Kit

Child Identity Theft Education Kit Child Identity Theft Education Kit Who s at Risk? Consider a teenager who is about to start college. She has deposited money into a savings account and is ready to move it into a checking account. Much

More information

Protecting Yourself From Identity Theft and Fraud. Detective Mike Kugler Bella Vista Police Department

Protecting Yourself From Identity Theft and Fraud. Detective Mike Kugler Bella Vista Police Department Protecting Yourself From Identity Theft and Fraud Detective Mike Kugler Bella Vista Police Department TOPICS TO BE COVERED What is Identity Theft? How does Identity Theft occur? How do Identity Thieves

More information

Identity Theft Victims Universal Complaint Form (FTC)

Identity Theft Victims Universal Complaint Form (FTC) Average time to complete: 10 minutes A voluntary form for filing a report with law enforcement and disputes with credit reporting agencies and creditors about identity theft-related problems. Visit ftc.gov/idtheft

More information

azag.gov PROTECT YOURSELF AGAINST IDENTITY THEFT Office of Arizona Attorney General TERRY GODDARD For more information, contact:

azag.gov PROTECT YOURSELF AGAINST IDENTITY THEFT Office of Arizona Attorney General TERRY GODDARD For more information, contact: For more information, contact: Office of Arizona Attorney General Terry Goddard 1275 West Washington Street Phoenix, Arizona 85007 602-542-5763 400 West Congress, Suite 315 Tucson, Arizona 85701 520-628-6504

More information

WISCONSIN IDENTITY THEFT RANKING BY STATE: Rank 15, 175.9 Complaints Per 100,000 Population, 9852 Complaints (2007) Updated January 16, 2009

WISCONSIN IDENTITY THEFT RANKING BY STATE: Rank 15, 175.9 Complaints Per 100,000 Population, 9852 Complaints (2007) Updated January 16, 2009 WISCONSIN IDENTITY THEFT RANKING BY STATE: Rank 15, 175.9 Complaints Per 100,000 Population, 9852 Complaints (2007) Updated January 16, 2009 Current Laws: It is unlawful to intentionally use or attempt

More information

Richard Swed. CEO- The Risk Management Group

Richard Swed. CEO- The Risk Management Group Richard Swed CEO- The Risk Management Group Richard is a recognized expert in the field of identity theft, with 14 years of experience, and speaks to groups of all sizes on identity theft & identity theft

More information

YOUR MONEY, YOUR GOALS. A financial empowerment toolkit for community volunteers

YOUR MONEY, YOUR GOALS. A financial empowerment toolkit for community volunteers YOUR MONEY, YOUR GOALS A financial empowerment toolkit for community volunteers Consumer Financial Protection Bureau April 2015 Table of contents INTRODUCTION PART 1: Volunteers and financial empowerment...

More information

Bankruptcy may make it possible for you to:

Bankruptcy may make it possible for you to: A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems. This brochure cannot explain every aspect of the bankruptcy

More information

WASHINGTON ASSOCIATION OF SHERIFFS AND POLICE CHIEFS Model Policy on Identity Theft Policy, Procedures, and Victim Referral Information

WASHINGTON ASSOCIATION OF SHERIFFS AND POLICE CHIEFS Model Policy on Identity Theft Policy, Procedures, and Victim Referral Information WASHINGTON ASSOCIATION OF SHERIFFS AND POLICE CHIEFS Model Policy on Identity Theft Policy, Procedures, and Victim Referral Information Definition - Identity theft is the wrongful appropriation of an individual

More information

HOW TO BOOST YOUR CREDIT IN 30 DAYS OR LESS

HOW TO BOOST YOUR CREDIT IN 30 DAYS OR LESS HOW TO BOOST YOUR CREDIT IN 30 DAYS OR LESS By The Arizona Credit Law Group, PLLC A consumer rights law firm Learn how to improve your credit using 5 simple rules No tricks, no gimmicks, just facts. The

More information

When life happens... Protect Against Identity Theft. Keeping personal information safe & what to do if it happens to you

When life happens... Protect Against Identity Theft. Keeping personal information safe & what to do if it happens to you When life happens... Protect Against Identity Theft Keeping personal information safe & what to do if it happens to you An Identity Theft Epidemic Identity theft is a huge business in the U.S. and around

More information

Protecting Yourself from Identity Theft

Protecting Yourself from Identity Theft Protecting Yourself from Identity Theft About Medical Identity Theft and Health Information Breaches... 1 What is medical identity theft?... 1 What are the dangers of medical identity theft?... 1 How do

More information

Identity Theft Trends

Identity Theft Trends PERSONAL PRIVACY Identity Theft Trends Privacy TouchPoint Services GIS CONTEMPORARY IDENTITY THEFT TRENDS Powered by Victims of Identity Theft, 2012 Erika Harrell, Ph.D. and Lynn Langton, Ph.D., BJS Statisticians

More information

First Steps for Victims of Identity Theft

First Steps for Victims of Identity Theft First Steps for Victims of Identity Theft Colorado Bureau of Investigation Identity Theft/Fraud Investigation Unit Colorado Bureau of Investigation ID Theft/Fraud Unit 710 Kipling Street Suite 200 Denver

More information

The Legal Needs of American Families. A Research Study Conducted by Decision Analyst, Inc. Commissioned by LegalShield

The Legal Needs of American Families. A Research Study Conducted by Decision Analyst, Inc. Commissioned by LegalShield The Legal Needs of American Families A Research Study Conducted by Decision Analyst, Inc. Commissioned by LegalShield About the Study This study of full-time employees in the U.S. was conducted over the

More information

Bankruptcy: Is It the Right Choice for You?

Bankruptcy: Is It the Right Choice for You? Bankruptcy: Is It the Right Choice for You? Find more easy-to-read legal information at www.ptla.org Introduction This is to help you to understand some basics about the bankruptcy laws and rules. This

More information

ID Theft Toolkit and Affidavit

ID Theft Toolkit and Affidavit ID Theft Toolkit and Affidavit Identification Theft Toolkit Safeguard yourself from ID Theft ID Theft the unauthorized and illegal use of your name, Social Security number or other personal information

More information

Identity Theft Victims Complaint and Affidavit

Identity Theft Victims Complaint and Affidavit Average time to complete: 10 minutes Identity Theft Victims Complaint and Affidavit A voluntary form for filing a report with law enforcement and disputes with credit reporting agencies and creditors about

More information

Business Profile Group Benefits

Business Profile Group Benefits Business Profile Group Benefits If you re looking for a business where you can offer a needed service, earn a great income, and have time freedom by earning lifetime renewals. You found it! TM In business

More information

Identity Theft Simple ways to keep your sensitive information safe.

Identity Theft Simple ways to keep your sensitive information safe. Keep yourself safe from Identity Theft Simple ways to keep your sensitive information safe. Be Aware Identity theft is the number one consumer fraud perpetrated on unsuspecting citizens. In 2011, nearly

More information

MASSACHUSETTS IDENTITY THEFT RANKING BY STATE: Rank 23, 66.5 Complaints Per 100,000 Population, 4292 Complaints (2006) Updated January 17, 2009

MASSACHUSETTS IDENTITY THEFT RANKING BY STATE: Rank 23, 66.5 Complaints Per 100,000 Population, 4292 Complaints (2006) Updated January 17, 2009 MASSACHUSETTS IDENTITY THEFT RANKING BY STATE: Rank 23, 66.5 Complaints Per 100,000 Population, 4292 Complaints (2006) Updated January 17, 2009 Current Laws: Identity Crime: A person is guilty of identity

More information

IDENTITY. theft. Identity theft can happen. to anyone. Previously, criminals stole your wallet. for your cash. Now they. want your wallet to

IDENTITY. theft. Identity theft can happen. to anyone. Previously, criminals stole your wallet. for your cash. Now they. want your wallet to IDENTITY THEFT IDENTITY theft Identity theft can happen to anyone. Previously, criminals stole your wallet for your cash. Now they want your wallet to steal your good name. Protect yourself and your identity.

More information

I dentity theft occurs

I dentity theft occurs 1.3.1.F1 Identity Family Economics and Financial Education W h at i s I d e n t i t y T h e f t? I dentity theft occurs when someone wrongfully acquires and uses a consumer s personal identification, credit,

More information

Equity Financial Services Existing Homeowner Title Insurance Policy with Identity Theft Coverage Frequently Asked Questions (FAQs)

Equity Financial Services Existing Homeowner Title Insurance Policy with Identity Theft Coverage Frequently Asked Questions (FAQs) A. About Title Insurance and Real Estate Fraud 1. What does title mean? When a consumer purchases a home, they are not just buying the structure; they are obtaining the title or ownership rights to the

More information

NYC Bankruptcy Assistance Project

NYC Bankruptcy Assistance Project NYC Bankruptcy Assistance Project A Project of Legal Services for New York City Answers to Common Bankruptcy Questions A decision to file for bankruptcy should be made only after determining that bankruptcy

More information

Identity Theft. Occurs when someone uses your personal information without your permission for personal gain.

Identity Theft. Occurs when someone uses your personal information without your permission for personal gain. Identity Theft Identity Theft Occurs when someone uses your personal information without your permission for personal gain. Someone uses your personal information to open a department store credit account

More information

Starting Over in the U.S.

Starting Over in the U.S. Starting Over in the U.S. After Getting Your Green Card An Indispensible Handbook for Immigrants Elzbieta Baumgartner Starting Over in the U.S. After Getting Your Green Card An Indispensible Handbook for

More information

BANKRUPTCY SOME FREQUENTLY ASKED QUESTIONS AND ANSWERS

BANKRUPTCY SOME FREQUENTLY ASKED QUESTIONS AND ANSWERS BANKRUPTCY SOME FREQUENTLY ASKED QUESTIONS AND ANSWERS 1 You should file for bankruptcy only after carefully deciding that bankruptcy is the best way to deal with your financial problems. This pamphlet

More information

MISSOURI IDENTITY THEFT RANKING BY STATE: Rank 21, 67.4 Complaints Per 100,000 Population, 3962 Complaints (2007) Updated January 11, 2009

MISSOURI IDENTITY THEFT RANKING BY STATE: Rank 21, 67.4 Complaints Per 100,000 Population, 3962 Complaints (2007) Updated January 11, 2009 MISSOURI IDENTITY THEFT RANKING BY STATE: Rank 21, 67.4 Complaints Per 100,000 Population, 3962 Complaints (2007) Updated January 11, 2009 Current Laws: A person commits the crime of identity theft if

More information

BETTER YOUR CREDIT PROFILE

BETTER YOUR CREDIT PROFILE BETTER YOUR CREDIT PROFILE Introduction What there is to your ITC that makes it so important to you and to everyone that needs to give you money. Your credit record shows the way you have been paying your

More information

T E X A S Y O U N G L A W Y E R S A S S O C I A T I O N A N D S T A T E B A R O F T E X A S I D E N T I T Y T H E F T G U I D E

T E X A S Y O U N G L A W Y E R S A S S O C I A T I O N A N D S T A T E B A R O F T E X A S I D E N T I T Y T H E F T G U I D E T E X A S Y O U N G L A W Y E R S A S S O C I A T I O N A N D S T A T E B A R O F T E X A S I D E N T I T Y T H E F T G U I D E A I D E N T I T Y T H E F T G U I D E Prepared and distributed as a Public

More information

When Fraud Comes Knocking

When Fraud Comes Knocking When Fraud Comes Knocking Identity theft occurs when someone uses your name, Social Security number, credit card number, or other personal information without your permission. It is a very serious crime.

More information

Identity Theft Prevention Presented by: Matt Malone Assero Security www.asserosecurity.com

Identity Theft Prevention Presented by: Matt Malone Assero Security www.asserosecurity.com Bringing enterprise level security to your business Identity Theft Prevention Presented by: Matt Malone Assero Security www.asserosecurity.com Matt Malone Fall 2015 Spring 2016 IDENTITY THEFT Identity

More information

COMMON QUESTIONS ABOUT BANKRUPTCY

COMMON QUESTIONS ABOUT BANKRUPTCY SCUDDER G. STEVENS, P.A. ATTORNEYS AT LAW A PROFESSIONAL ASSOCIATION 120 North Union Street P.O. Box 1156 Kennett Square, PA 19348 (610) 444-9840 (800) 294-4242 FAX (610) 444-9841 COMMON QUESTIONS ABOUT

More information

OLSEN, OLSEN & DAINES Chapter 7 Signing Form

OLSEN, OLSEN & DAINES Chapter 7 Signing Form Dear Client: OLSEN, OLSEN & DAINES Chapter 7 Signing Form After you have reviewed the bankruptcy petition we need you to CAREFULLY read the following, initial each paragraph and sign at the end. Be sure

More information

OFFICE OF KANSAS ATTORNEY GENERAL DEREK SCHMIDT

OFFICE OF KANSAS ATTORNEY GENERAL DEREK SCHMIDT OFFICE OF KANSAS ATTORNEY GENERAL DEREK SCHMIDT Attorney General Derek Schmidt BEING A SMART CONSUMER Jackie Williams, Assistant Attorney General Consumer Protection Division Duties of the Attorney General:

More information

Identity Theft Victim s Complaint and Affidavit

Identity Theft Victim s Complaint and Affidavit Average time to complete: 10 minutes Identity Theft Victim s Complaint and Affidavit A voluntary form for filing a report with law enforcement, and disputes with credit reporting agencies and creditors

More information

Identity Theft. Emergency Repair Kit

Identity Theft. Emergency Repair Kit Identity Theft Emergency Repair Kit 2012 Beavercreek Marketing, a division of Beavercreek Inc. All rights reserved. Any duplication or reproduction is strictly prohibited. Identity Theft Emergency Repair

More information

RESOLUTION SUBMITTED TO AMERICAN ASSOCIATION OF FAMILY AND CONSUMER SCIENCES

RESOLUTION SUBMITTED TO AMERICAN ASSOCIATION OF FAMILY AND CONSUMER SCIENCES RESOLUTION SUBMITTED TO AMERICAN ASSOCIATION OF FAMILY AND CONSUMER SCIENCES IDENTITY THEFT WHEREAS, identity theft is a crime as a result of increased use of technology and the information age; and WHEREAS,

More information

Protection. Identity. What should I do if I m. Common ID Theft TACTICS. a criminal obtains your personal information and uses it for his/her own gain.

Protection. Identity. What should I do if I m. Common ID Theft TACTICS. a criminal obtains your personal information and uses it for his/her own gain. Common ID Theft TACTICS. HOW DOES IT HAPPEN? Identity What should I do if I m a Protection PROTECT YOURSELF: OLD-FASHIONED STEALING: Criminals steal your wallet or purse. > Never leave your wallet or purse

More information

Free Legal Consumer Guide Series www.southernmarylandlaw.com

Free Legal Consumer Guide Series www.southernmarylandlaw.com Free Legal Consumer Guide Series Brought To You By Meeting All Your Legal Needs For 50 Years 2 What You Need To Know About Workers Compensation HOW TO USE THIS GUIDE If you read this guide, you will discover

More information

IDENTITY THEFT. Hawthorne Police Department

IDENTITY THEFT. Hawthorne Police Department IDENTITY THEFT A Quick Reference Guide Hawthorne Police Department Identity theft is when somebody uses your personal identifying information such as your name, address, telephone number, taxpayer identification

More information

Information carelessly discarded into the trash can be stolen when a thief digs through the garbage.

Information carelessly discarded into the trash can be stolen when a thief digs through the garbage. Identity theft occurs when someone wrongfully acquires and uses a consumer s personal identification, credit, or account information. Identity theft can wreak havoc on an individual s credit report, cause

More information

Everything You Need to Know About Bankruptcy

Everything You Need to Know About Bankruptcy Everything You Need to Know About Bankruptcy Raymond J. Sallum Bloomfield, Michigan http://bloomfieldlawgroup.com/chapter-7-bankruptcy B l o o m f i e l d L a w G r o u p R a y m o n d J. S a l l u m (

More information

ACTION PLAN FOR VICTIMS OF IDENTITY THEFT

ACTION PLAN FOR VICTIMS OF IDENTITY THEFT FOR VICTIMS OF IDENTITY THEFT A program of the Texas Legal Services Center supported by Grant No. 2007-VF-GX-K032 awarded by the Office for Victims of Crime, Office of Justice Programs, U.S. Department

More information

WHAT BANKRUPTCY CAN T DO

WHAT BANKRUPTCY CAN T DO A decision to file for bankruptcy should only be made after determining that bankruptcy is the best way to deal with your financial problems. This brochure cannot explain every aspect of the bankruptcy

More information

Credit Reports and Identity Theft

Credit Reports and Identity Theft Credit Reports and Identity Theft Information in this packet concerning credit reports was gathered from the Consumer Financial Protection Bureau and can be found at www.consumerfinance.gov. Information

More information

Credit Cards. The Language of Credit. Student Loans. Installment Loans 12/17/2015. Quick Response. Unit 4 - Good Debt, Bad Debt: Using Credit Wisely

Credit Cards. The Language of Credit. Student Loans. Installment Loans 12/17/2015. Quick Response. Unit 4 - Good Debt, Bad Debt: Using Credit Wisely Quick Response Explain how you think credit cards work. How much do you have to pay every month? What happens if you pay late? What kinds of fees are involved? Unit 4 - Good Debt, Bad Debt: Using Credit

More information

CHECK ENFORCEMENT GUIDEBOOK. Maricopa County PROGRAM. Attorney s Office. Where to submit a bad check. Bill Montgomery. Page 1

CHECK ENFORCEMENT GUIDEBOOK. Maricopa County PROGRAM. Attorney s Office. Where to submit a bad check. Bill Montgomery. Page 1 Page 1 Maricopa County Attorney s Office Bill Montgomery Maricopa County Attorney CHECK ENFORCEMENT GUIDEBOOK CHECK ENFORCEMENT PROGRAM Accepting a check What to do with a bad check How to submit a check

More information

K.2 Answers to Common Bankruptcy Questions

K.2 Answers to Common Bankruptcy Questions Adapted from Consumer Bankruptcy Law and Practice, 10 th Edition, National Consumer Law Center, copyright 2012. Used by permission. K.2 Answers to Common Bankruptcy Questions A decision to file for bankruptcy

More information

Federal Trade Commission Identity Theft Survey Report

Federal Trade Commission Identity Theft Survey Report Synovate Tel 703 790 9099 1650 Tysons Blvd Fax 703 790 9181 Suite 110 www.synovate.com McLean VA 22102 Identity Theft Survey Report Prepared for Prepared by Synovate September, 2003 Table of Contents Methodology...Page

More information

The Best Identity Protection

The Best Identity Protection The Best Identity Protection AGENDA Identity theft defined Types of identity theft The impact on workers How employers can help The product 2 IDENTITY THEFT DEFINED Identity Theft: The fraudulent acquisition

More information

A Proposal of Employee Benefits. Innovations in IDENTITY THEFT

A Proposal of Employee Benefits. Innovations in IDENTITY THEFT A of Employee Benefits Innovations in IDENTITY THEFT Innovations in IDENTITY THEFT Name or Logo 2 Innovations in IDENTITY THEFT A Complete Identity Theft Solution Prevention to Prosecution Solution

More information

Child Identity Theft Study

Child Identity Theft Study Child Identity Theft Study Conducted by Javelin Strategy & Research October 2008 2008 Javelin Strategy & Research All Rights Reserved Executive Summary Rarely do parents or guardians consider the possibility

More information

Beware! Consumer Fraud

Beware! Consumer Fraud STUDENT MODULE 9.1 FRAUD AND IDENTITY THEFT PAGE 1 Standard 9: The student will identify and explain consumer fraud and identity theft. Beware! Consumer Fraud Alfredo s mom is at the door to meet him when

More information

Protecting Families, Finances, and Your Future

Protecting Families, Finances, and Your Future Protecting Families, Finances, and Your Future COMPANY PROFILE In business since 1993 Over 5000 employee benefit specialists in North America Employee Benefit Specialists Benefits offered to thousands

More information

Why Credit is Important

Why Credit is Important Page 1 Why Credit is Important Page 6 How to Protect Yourself from Identity Theft Page 7 Cosigning and Money Lending Tips Page 8 How to Avoid Credit Card Interest Why Credit is Important Learning to build

More information

IDENTITY THEFT VICTIM KIT

IDENTITY THEFT VICTIM KIT IDENTITY THEFT VICTIM KIT Dear Illinois Consumer: When someone uses your personal information to obtain identification, credit or even a mortgage, you may be a victim of identity theft. This crime can

More information

SAFEGUARDING YOUR CHILD S FUTURE. Child Identity Theft. Protecting Your Child s Identity

SAFEGUARDING YOUR CHILD S FUTURE. Child Identity Theft. Protecting Your Child s Identity SAFEGUARDING YOUR CHILD S FUTURE Child Identity Theft Child identity theft happens when someone uses a minor s personal information to commit fraud. A thief may steal and use a child s information to get

More information

IDENTITY THEFT FRAUD

IDENTITY THEFT FRAUD FRAUD ALERT! SYNTHETIC IDENTITY THEFT FRAUD & n How to Protect Yourself n Data Breaches and You n Free Credit Reports SYNTHETIC IDENTITY THEFT and FRAUD It is hardly news that identity thieves and cybercriminals

More information

Corona Police Department

Corona Police Department By Detective John Alvarez Corona Police Department High Technology Crimes Unit California Penal Code 530.5(a) defines Identity Theft: Every person who willfully obtains personal identifying information,

More information

Protecting Families, Finances, and Your Future. Mortgage. Debt. Taxes. Budgets

Protecting Families, Finances, and Your Future. Mortgage. Debt. Taxes. Budgets TM Protecting Families, Finances, and Your Future Debt Mortgage Taxes Budgets 1 1. Accept personal responsibility 2. Know your debts & develop a plan to become debt free 3. Use a budget to control expenses

More information

GROUP BENEFITS BUILDING A MORE EFFECTIVE WORKFORCE THROUGH AN AFFORDABLE, VALUABLE AND ACCESSIBLE LEGAL BENEFITS PLAN. USLEGALSERVICES.

GROUP BENEFITS BUILDING A MORE EFFECTIVE WORKFORCE THROUGH AN AFFORDABLE, VALUABLE AND ACCESSIBLE LEGAL BENEFITS PLAN. USLEGALSERVICES. GROUP BENEFITS BUILDING A MORE EFFECTIVE WORKFORCE THROUGH AN AFFORDABLE, VALUABLE AND ACCESSIBLE LEGAL BENEFITS PLAN. USLEGALSERVICES.NET U.S. LEGAL SERVICES IS ONE OF THE OLDEST COMPANIES OF ITS KIND

More information

Identity Theft Protection

Identity Theft Protection Identity Theft Protection Learning Objectives Discuss the aspects of identity theft Discuss the signs of recognizing when your identify has been stolen Understand the steps to take to reclaim your identity

More information

Car Title Loans. What is a car title loan? How does a car title loan work?

Car Title Loans. What is a car title loan? How does a car title loan work? Car Title Loans What is a car title loan? When you take out a car title loan, you are borrowing money and giving the lender the title to your car as collateral. This means that the lender can repossess

More information

Identity Theft: More than Account Fraud

Identity Theft: More than Account Fraud Identity Theft: More than Account Fraud What Everyone Should Know Joseph Campana, Ph.D. J. Campana & Associates Madison, WI www.jcampana.com 608-241-3500 April 2006 Identity Theft. What comes to mind?

More information

Standard 9: The student will identify and explain consumer fraud and identity theft.

Standard 9: The student will identify and explain consumer fraud and identity theft. TEACHER GUIDE 9.1 FRAUD AND IDENTITY THEFT PAGE 1 Standard 9: The student will identify and explain consumer fraud and identity theft. Beware! Consumer Fraud Priority Academic Student Skills Personal Financial

More information

TROY POLICE DEPARTMENT MERCHANTS GUIDE BAD CHECKS Page 1 of 13

TROY POLICE DEPARTMENT MERCHANTS GUIDE BAD CHECKS Page 1 of 13 Page 1 of 13 Millions of dollars are lost annually through the passing of bad checks in Oakland County. The complaints for such fraudulent transactions now mount in the thousands. The Troy Police Department

More information

FTC Facts. For Consumers Federal Trade Commission. Maybe you never opened that account, but. Identity Crisis... What to Do If Your Identity is Stolen

FTC Facts. For Consumers Federal Trade Commission. Maybe you never opened that account, but. Identity Crisis... What to Do If Your Identity is Stolen FTC Facts For Consumers Federal Trade Commission For The Consumer August 2005 Identity Crisis... What to Do If Your Identity is Stolen Maybe you never opened that account, but someone else did...someone

More information

http://www.ftc.gov/bcp/edu/microsites/idtheft/index.html

http://www.ftc.gov/bcp/edu/microsites/idtheft/index.html Identity Theft: Steps to Take if You are a Victim We understand the stress, time and effort required as a result of having your identity stolen and used fraudulently. While there are many resources available

More information

What is identity theft?

What is identity theft? i den ti ty theft noun What is identity theft? the illegal use of someone else's personal identifying information (such as a Social Security number) in order to get money or credit Source: Merriam-Webster

More information

Pasco County Sheriff's Office Economic Crime Unit. Identity Theft Guide

Pasco County Sheriff's Office Economic Crime Unit. Identity Theft Guide Pasco County Sheriff's Office Economic Crime Unit Identity Theft Guide This kit was designed to assist you in working through the process of resolving the theft of your personal information and to clear

More information

SCAM JAM 2011. ID Theft. Presented by: Lori Farris Office of the Attorney General Office of Consumer Protection

SCAM JAM 2011. ID Theft. Presented by: Lori Farris Office of the Attorney General Office of Consumer Protection SCAM JAM 2011 ID Theft Presented by: Lori Farris Office of the Attorney General Office of Consumer Protection ID Theft The NAME GAME. Don t Get Played! Identity Theft: Learn the basics- What it is. How

More information

Taxpayer Guide to Identity Theft Protect yourself. By Beatriz Landa-Sanchez, EA

Taxpayer Guide to Identity Theft Protect yourself. By Beatriz Landa-Sanchez, EA Taxpayer Guide to Identity Theft Protect yourself By Beatriz Landa-Sanchez, EA What is tax-related identity theft? Tax-related identity theft occurs when someone uses your stolen Social Security number

More information

The Legal Needs of American Families. A Research Study Conducted by Decision Analyst, Inc. Commissioned by LegalShield

The Legal Needs of American Families. A Research Study Conducted by Decision Analyst, Inc. Commissioned by LegalShield The Legal Needs of American Families A Research Study Conducted by Decision Analyst, Inc. Commissioned by LegalShield About the Study This study of full-time employees in the U.S. was conducted over the

More information

Identity Theft: Your Good Name Gone Bad!

Identity Theft: Your Good Name Gone Bad! Identity Theft: Your Good Name Gone Bad! What is Identity Theft? Identity theft is when someone illegally obtains a person's identifying information, such as name, address, date of birth, social security

More information

Free Report: How To Repair Your Credit

Free Report: How To Repair Your Credit Free Report: How To Repair Your Credit The following techniques will help correct your credit and should be done with all Credit Bureaus. In this section you will learn the ways of removing negative items

More information

Bo Holland is the Founder & CEO of AllClear ID with deep expertise in Identity theft prevention, security, and technology

Bo Holland is the Founder & CEO of AllClear ID with deep expertise in Identity theft prevention, security, and technology AllClear ID (www.allclearid.com) is an identity protection company based in Austin, Texas, and is powered by Debix, a leader in identity protection technology. Our leading technology and customer service

More information