Discovering that you are a victim of identity theft in California can be incredibly upsetting. However, when you learn that the perpetrator is your spouse or close family member, you may feel hurt, betrayed, and angry. Unfortunately, these matters are not as uncommon as you may believe, so understanding the steps to take following domestic identity theft is critical. The following blog explores these circumstances in further detail, as well as the steps you can take with the help of a Michigan identity theft lawyer to explore your legal options and reclaim your identity.
What Is Domestic Identity Theft in California?
Domestic identity theft occurs when your spouse, intimate partner, or close family member uses your identity for their own financial gain. This includes opening credit cards, taking out loans, and even using your medical benefits.
Unfortunately, identity theft is common, as you’ll find that these individuals have greater access to your personal details, like your address, date of birth, and full legal name. In some instances, they can even obtain information like your Social Security number or account details when in your home. As such, these instances are unfortunately common.
It’s important to recognize the signs that your identity may have been compromised to ensure you can act quickly and mitigate damages. As such, some of the most common indicators that someone is using your identity include, but are by no means limited to, the following:
- Statements for credit cards or accounts you did not open
- Reaching your insurance deductible far too early
- Unexplained withdrawals from bank accounts
- Calls from debt collectors regarding accounts you did not know existed
- Being denied loans
What Can I Do to Secure My Identity?
If you have reason to believe your identity has been compromised, it’s imperative to take the necessary steps to secure your accounts and mitigate potential damages. Generally, the first thing you should do is report the fraud to any financial institution where you have accounts, like your bank or credit card issuer. They can help close any accounts that may have been compromised to prevent additional losses.
Next, you should place a fraud alert on your accounts, as this requires creditors to confirm your identity before opening accounts in your name. This can prevent the accumulation of more debt in your name.
Finally, you should file a police report. While you may feel bad because it is your spouse or family member responsible, this report is important to help you recover from the losses, as it is considered important evidence. As such, you should contact your local police department to report the crime.
Domestic identity theft can be even more complicated to navigate due to the intense emotional aspect of betrayal you’ll feel. That is why working with an experienced attorney during these matters is critical. At Lyngklip & Associates, our firm understands how overwhelming these circumstances can be. That is why we will do everything in our power to assist you through these challenging times. When you need help, our firm is here. Contact us today to learn more.
