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9 Things To Do When Your Identity Stolen

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Rating: 0 teachr14206 - 7 Feb 2008
I have an elderly relative in her 90s who had her identity stolen, to open several credit accounts that were never paid a penny, by her own niece!  This woman was "helping" her with her bills & shopping etc.  Adult Protective Services will do NOTHING about this...WTF good are they?  All they did was take over her Social Security check & become her payee & dole out her own money to her in dribs & drabs now, because their take on it is that she's "incapable of handling her own finances because she allowed her niece to rip her off".  I don't see how trusting that your own niece won't screw you over translates to "allowed", certainly she was unaware her niece had done this until the collection agencies found her.  Because she is all but deaf, I tried to help her out by calling these collection agencies & explaining about the identity theft.  They were all asked to validate the debt & not one of them did it.  Unfortunately, I made the calls from my own home phone & you guessed it...now they are harassing ME for these "debts" with their stupid recordings!  It's like they are deliberately obtuse & don't understand English.  They'll never get her on the phone because of her deafness, but they continue to fill up her mailbox & call me about this.  How do I get these people off my back & hers when even Adult Protective Services refuses to do something as simple as contact the credit bureaus & file a police report on the behalf of an elderly disabled person?
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Rating: 0 Marge - 28 Mar 2008
I WOULD BE VERY SUSPICIOUS THAT THE PEOPLE AT YOUR APS MIGHT BE DOING SOMETHING SIMILAR TO WHAT YOUR NIECE DID!!!
I don’t mean to be cynical, but that Adult Protective Services (APS) thing sure sounds fishy to me! Are you absolutely sure your elderly relative is actually eventually receiving her WHOLE SS check, either deposited into her account(s) or in cash? What about the interest on that money? Is APS (or one of their workers) somehow getting it, or is your relative?

What your elderly relative’s niece did was a CRIME. Has no-one reported THAT to local law enforcement? If not, WHY NOT? & DO IT NOW!
I am not an attorney, but I am an RN & worked for over a decade with another RN who is also a JD. We worked with legal matters every day in a very large publicly funded healthcare organization in AZ. According to what she taught me during that time, it is my understanding that no person can be proclaimed/declared incompetent except by a court of law, because it obviously involves taking away some very important personal rights. I would think that goes for APS too. I doubt a judge would disagree with you about your relative’s capabilities. Advanced age and hearing loss are NOT enough. Neither is being the victim of identity theft because you trusted your own niece to help you. Here is a legal definition of ‘incompetent’:

“adj. 1) referring to a person who is not able to manage his/her affairs due to mental deficiency (low I.Q., deterioration, illness or psychosis) or sometimes physical disability. Being incompetent can be the basis for appointment of a guardian or conservator (after a hearing in which the party who may be found to be incompetent has been interviewed by a court investigator and is present and/or represented by an attorney) to handle his/her person and/or affairs (often called ‘estate’)”. (from http://dictionary.law.com/default2.asp?selected=925&bold=||||)  “The word incompetent is also used to describe persons who lack mental capacity to make contracts, handle their financial and other personal matters such as consenting to medical treatment, etc. and need a legal guardian to handle their affairs.” (http://en.wikipedia.org/wiki/Competence_%28law%29).

So, if your relative is supposedly incompetent to handle her own affairs, who is your relative’s LEGAL GUARDIAN?
Someone, either your elderly relative herself, or someone to whom she had given power of attorney, had to have signed over your elderly relative’s Social Security to APS & ALLOWED them to become her SS payee. If those things did not happen, I think you MAY need to file a police report against APS, and maybe also get an attorney. Have you contacted Social Security? If not, you should be able to find out HOW APS got to be your relative’s SS payee. (You will need her SS# & legal authority to access her information. If you don’t have that, does someone else in your family? Also you might be able to get a lawyer for free or cheap (as attorneys go) through your state’s Legal Services (“Legal Aid”). This is the URL for the official national organization, “LSC”, which manages Legal Aid: http://www.lsc.gov/.

“The Congress of the United States entrusts the Legal Services Corporation with a dual mission: to promote equal access to justice and to provide high-quality civil legal assistance to low-income Americans.” (http://www.lsc.gov/about/lsc.php)

You can search for legal assistance in your state here: http://www.rin.lsc.gov/rinboard/rguide/pdir1.htm

As for the harassment you’re getting & what to do about it, there is a good article with links to other good information on this subject right here on this website at http://800notes.com/articles/Article.aspx/KBN5c2IZiAC_wQjKBNRWFA.

Hope this helps. Send me an email  if you'd like & let me know how things are going:  Puppy.Luv_66@yahoo.com.  For you low-life spammers, I hardly ever use this email account & all spam is reported to the feds.
Good luck!
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Rating: +1 NA - 23 Jul 2008
WOW! Marge, thank you for posting that very informative and eye-opening post!!! To other posters, I too have been a victim of IDT, SS number only, not financial so far, I think that applications for creadit were made, but not sure as they were denied, and the person is a convicted criminal unknown to me.

I came upon a site by a a very involved attorney, Mari Frank, out in California and got her tapes and have gone through most of the processes. The laws are slow to change but advancement keeps going in a positive direction. Get involved in making a difference on this front in any way you can. It can effect you in so many way, it has cost me employment within the financial industry.
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Rating: +1 pennyfmhvn - 13 Apr 2008
File complaints with the FTC and the Attorney General in your state. You can do this through the Internet. I had to do this with a bank that kept calling me looking for my daughter. She and I both kept telling them not to call my number as she no longer lives with me, but they continued to call 12 or so times a day, every day, and harass me. So I wrote down all the times they called and what days. Then I reported them to both agencies by filing the complaints and the calls stopped. The government will fine them heavily.
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Rating: +3 George - 15 Apr 2008
I had a similar situation happened to my mother-in-law.  Her grandson was the financial abuser.  He lived with her and opened credit card accounts, got a cell phone, asked for money all the time and even wrote checks forging the signature of my mother-in-law.  None of this was discovered until she passed away.  At that time we discovered that he had not paid the cell phone bill in three months and that there were a number of credit cards he had maxed out and changed the address to another state so the past due bills would no longer come to her house.  The credit card companies had his cell phone number and it was turned off so my mother-in-law never received any phone calls.  It turns out that my sister-in-law, the grandson's mother, was fully aware of what was going on.  My mother-in-law knew too because she had seen some of the bills, but my sister-in-law convinced her to not file a police report, etc., because it would mess up her son's life.  My mother-in-law continued to allow the grandson to stay with her and he continued to steal money, etc. from her until she died.
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Rating: +1 Ann - 15 Apr 2008
Your relative probably doesn't realize it, but they probably signed something giving Adult Protective Services the right to handle her money.  They are only trying to protect the woman.  The neice abused her relationship once already and could easily do it again.  The neice could have been taking money in addition to using her information to obtain fraudulent credit accounts.

Ask the collection agencies, etc., to send your relative forgery affidavits for her to complete that state the charges were fraudulent.  Most will also require you to submit a copy of a police report along with the affidavit.  They have the right to collect a debt and can call you daily unless you have filed bankruptcy.

I suspect you are not getting the entire story from your relative.  As in many cases, they do not want to mess up the life of the neice by filing a police report.  Doing so would more than likely cause the neice some legal problems and may cause hard feelings with other members of the family.  Yes, it was wrong and the girl should be prosecuted.  Even if a police report is filed, the police must have hard evidence that the neice did this unknowingly to your relative and that the relative did not consent.

Good luck.
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Rating: -1 Tina - 18 Feb 2008
My Husband I have been victims of ID theft and creid card fraud. It was his daughter who did it. Law isn't any good. A few months in prison and she's out doing all it again. She's been to prison 5 times for the same theft and fraud. She's still doing it.
It's been real rough tring to get any Govt. agency or law enforcment to do anything. Just have to keep calling the credit reporting agencies and keep putting fraud alert on our credit.
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Rating: +1 Christy - 26 Feb 2008
How do you prove that the collections is not really you? I have tried to dispute it several times and it comes back as all information verified. The number for the collection agency is disconnected so I can't even get their documents saying that I opened anything.
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Rating: +2 jessica - 28 Feb 2008
my mom has been using my social security number to get things in my name and now my credit is bad
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Rating: 0 tiredMT - 1 Mar 2008
STolen mail led to ID theft for my husband & I. This is the second time...make sure you report it to the police, get a case number from them & get an Identity theft passport from your state. This protects you from all this crap that falls onto you with ID theft. We had to hire an attorney as it is so bad. Think I'll apply for a new SSA number. Collection agencies just want money & don't care how much stress you are under. Our attorney says to take the calls, record them (make sure you tell them you are recording if your state is a one-party state), write cease& desist letters like suggested above. Document everything & they are liable to you for all costs.
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Rating: 0 Tess - 7 Mar 2008
STOLEN DRIVERS LICENSE WITH IMPERSONATOR PHOTO GAINED ACCESS TO MY BANK ACCTS AT BRANCH BANKS - ACCESSED ALL FUNDS EVEN CD.  BANK SAID CAN'T BE SURE WHEN IMPERSONATOR WILL USE ID AGAIN.  YEAR LATER, GOT CALL WANTING TO "GO OVER" MY SOCIAL SECURITY NUMBER ...FOREIGN CALLER...THAT IT WASN'T BEING PROCESSED.  Does anyone know if I can use my middle name as first name without getting into big Name Change Petition, court filings, etc. or use my nickname with a/k/a.....
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Rating: 0 Al - 10 Mar 2008
F.Y.I , YOUR IDENTITY and Job Seeking via the computer...Speaking about theif and protecting yourself...

If seeking a job and going on line for the application process(If you can call it that)or if applying in store via the "In Store Job Application Computers"...Pay attention to all the "disclaimers and notices" that pop up from time to time during this job application process. READ them, taking down names and numbers within these "slipped in" documents even if you are "timed out" or "forced to quit" the timed application process again and again.

Most of these on line applications are run by "HIRED" Third Party Companies outside of the company in which you are applying for. They will list their names and contact numbers, within or after the application process. They will ask you to give up certain rights for your right to apply for a job forcing you to agree upon their "contract terms" granting them permission to take all your "free" personal infomation you listed within this job application (Information left in Good Faith for Employment Seeking) and use it for profit! Unless you contact them in certain ways and within certain time limits they will then sell your information to other compainies and who knows who for things such as market research, credit reporting, credit cards and so on. If you decline to accept these terms during within this on-line application process then you do not get to fill out the application! Fair... Right?

You can find these on-line applications almost everywhere. Its been the "in-thing" for places such as Lowes, Target and even at your hometown local food stores. Somebody gets your very personal information and is getting paid for your Job Application Efforts, then afterwards makes a quick buck off of you too!(It seems these on-line applications ask for EVERYTHING... makes an old fashion paper application blush!) If you do not get the job, they still made a buck and have all your information passing it on to others. If it is also one of those applications that ask you 80 plus twisted repeated psycho questions, since you have to answer them all to complete the application, they now have your name and number then know how you think...good or bad, along with all your information forever.
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Rating: -1 Helio - 20 Mar 2008
I got LifeLock.
10 bucks a month.
Cheap insurance for this stuff.
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Rating: +1 John - 21 Mar 2008
Well then,... list your name,address,bank account#,ss#, who you work for and we will see if it works. Hey,what can go wrong? As their ad says, you COULD get a million bucks for your problems...until you read the fine print which would probally change. Of course that million would not be protected because you were breached in the first place. Guess you would have to get a new identity.
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Rating: -1 NA - 23 Jul 2008
LifeLock, despite any controversy you may have heard through the grapevine, is terrific. I got it about a year ago after discovery that someone was using my SS#. I go it for their cease and desist efforts, not necessary the insurance since I figured they are not responsible for what has already happened. It is great, no mailings, no calls, info out of those public databases, alerts with all the credit agencies, etc. Eventhough these services can be performed for nearly free if done by yourself, LifeLock has saved me immense time, effort, and peace of mind for only $10 bucks a mo. Thank g-d!
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Rating: +1 Samijo - 8 Apr 2008
My mother just got a bill for My brother who has been deceased for 8 years.  This was a bill for "running a toll booth in the State of Maryland.   An even though it was a nominal amount, it shows us that not only are they using the wrong address for him they also have a vehicle registered in his name. Where do I go for information so we can get this cleaned up and the culprit taken care of for using my brother's identity?
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Rating: +1 NA - 23 Jul 2008
Police report,
FTC Report, and
Social Security- can't beleive this does not come up as a deceased record at the DMV.
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Rating: 0 Marko - 4 Jun 2008
Sometimes low tech is best!  If you believe you are being unfairly contacted and even harrassed by collection agencies, then I suggest you tape record every phone conversation. I believe you can still purchase a simple device from Radio Shack or other electronic places that will allow you to record telephone conversations on a tape recorder or other audio recording device.  Or you can just hold a small, handheld recorder to the phone. Depending on the laws in your state, you may have to inform the calling party that you are recording the conversation and get their permission. If they agree, then fine, you have a verbal record of the conversation.  Make sure the caller gives you verbal agreement to record the conversation, completely identifites him or herself, the name of the company he/she is employed by, that company's full contact info, the city and state the caller is calling from, the date and time of the call, and any other pertinent information regarding the reason of the call. If not, then they can contact you in writing - phone conversation over. Be sure to record from the moment the caller contacts you - it is legal and proper to record yourself informing the caller of the recording and getting their agreement or refusal to continue.
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Rating: 0 Jason - 21 Jun 2008
I don't mean to get off the subject but i had my identity stolen a couple of years ago but just found out last december.  I filed a police report about my identity theft for that one company but never did anything more to find out if I had more.  Now i am being sued by another company and don't know what to do.  My court date is on June 27th and I am soooo nervous.  My fiance is pregnant and I don't have money to pay.  WIll the court force me to pay something I cannot pay?  

ANother thing is what can I do to get these things off my credit report.  I don't want more companies calling me to sue me.  I am getting all these collection agencies sending me mail and calling my mothers house, job , etc....looking for me...  WHAT DO I DO????  I just want to get this over with.
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Rating: 0 Jason S - 26 Jun 2008
I had ID theft happen to me as well.  I actually have to go to court on Friday to fight a C.C. company sueing me for $15,000 and i feel like i have no case.  This is my first time being sued and i really can't pay.  Isn't their any way that I can ask for full accounting on this debt and the judge see it my way?  HELP!!!!  What can I do?  and what is the number that I call to put fraud alert on my credit so more companies don't sue me?????
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