Phishing is an attempt by an identity thief to obtain private account numbers or other personal identifying information over the Internet. The thief engineers an official-looking e-mail purporting to be from a financial institution, credit card company, or other entity holding sensitive personal information. These fraudulent e-mails ask the receiving consumers to provide or confirm personal data, such as account numbers, social security numbers, dates of birth, and other sensitive data. NEVER reply to such an e-mail.
Byrnes Kirkwood - Red Bank, New Jersey
Every day, thousands of people are victimized by computer hackers, spam e-mails, and Internet phishing scams. These cyber criminals are responsible for untold suffering and financial loss.
If you have been the victim of identity theft, the experienced attorneys at Byrnes Kirkwood can help. Contact our law office in Red Bank, New Jersey to learn more about how we can help you.
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Have you been the victim of identity theft? Call Byrnes Kirkwood at 732-219-7711. Our partners, Sean F. Byrnes and Christopher Kirkwood, have more than 40 years of combined legal experience.
We are passionate advocates for the victims of identity theft. Contact Byrnes Kirkwood today to speak with an attorney who will fight for you.
Overview of Identity Theft
Identity theft, also known as identity fraud, occurs when someone uses another person’s important personal identifying information for improper purposes. If you suspect you have been the victim of identity theft, an experienced and skilled attorney from Byrnes Kirkwood, Attorneys at Law in Red Bank, New Jersey, can advise you of the possible ramifications and potential legal remedies.
Profile of Identity Theft
The Federal Trade Commission (FTC) estimates about 9 million Americans are victims of identity theft each year. Most commonly, the victim knows the thief, who uses their relationship for access to the personal information. Such criminals are usually friends, neighbors, relatives, work colleagues, or people employed or providing services in private homes. Even in this digital age, the most common source of personal information is still from a misplaced or stolen purse or wallet. However, an identity thief may be a stranger, and the source of the misappropriated personal information can be an electronic or written source.
Common Scenarios
The types of personal information that are most commonly misappropriated and that are particularly subject to misuse include names, Social Security numbers (SSNs), drivers license numbers, passport numbers, account numbers, employer or taxpayer ID numbers, passwords, and dates of birth. This information may be used to penetrate assets of the rightful holder, such as making unauthorized withdrawals of money from his or her financial accounts. The stolen identity may also be used by the thief to conduct countless forms of fraudulent business transactions –from obtaining credit or a mortgage, to purchasing a car or real estate, to leasing an apartment and obtaining utility service, and even to obtain employment. Bizarrely, some identity thieves even set up new lives as imposters or commit crimes while masquerading as their identity theft victims. These victims have been subject to arrest and prosecution for crimes they did not commit, but the trail of evidence led to their names. Other frequent identity fraud pertains to immigration and public benefits.
What You Can Do
When your identity is stolen, there are a few things you can do immediately. Inform all financial institutions or account holders affected by the fraud and close affected accounts. File a complaint with the FTC, which will share the information with domestic and international law enforcement authorities. Alert the local police department where the fraud took place and insist that it create a report. Finally, contact one of the three main credit reporting bureaus (Equifax, TransUnion, or Experian) to ask that a fraud alert be placed on your credit reports. An attorney may advise other remedies for you as well, such as possible lawsuits. Keep good records of everything that you do to resolve the identity theft.
Identity Theft is a Crime
Identity theft is a federal crime and may violate other federal laws, depending upon the facts of the case. Several states also make identity theft itself a crime and other state criminal laws are also usually violated by typical identity fraud. Ultimately the thief of your identity could be prosecuted in federal or state court and part of the punishment may include restitution to you for your losses.
Civil Remedies
An attorney can advise you about potential civil legal remedies. You may be able to sue the identity thief for your economic and noneconomic damages, depending on the law of your state and on the particular situation. Noneconomic damages in some states could include damages for mental anguish. Another possible source of recovery could be from third parties responsible for illegally or negligently releasing your private information, such as financial institutions, credit card companies, or any other entity holding private information.
Protect Yourself
Carefully guard your private information from third parties, but if it is misappropriated, aggressively protect yourself from damage. An attorney knowledgeable in consumer fraud and identity theft at Byrnes Kirkwood, Attorneys at Law in Red Bank, New Jersey, can advise you about possible legal remedies.
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