Prescreened credit card offers are a disaster waiting to happen when you consider identity theft.

Whether you are considering bankruptcy, or if you have already filed for bankruptcy, protecting yourself from identity theft is always a good idea.  Identity theft can take a long time to recover from and nobody wants the headache involved with getting your credit straightened out.

In her book, Bounce Back From Bankruptcy, Paula Langguth Ryan discusses a method for being …

Comment by Charlie Kimball: … need to watch for identity theft that goes beyond credit …

Tags: Credit card Identity theft

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… revealed during the proceedings was denied; but the bankruptcy court agreed to conceal her identity in court records.

The details of the bankruptcy case:

A Chapter 7 bankruptcy debtor asked the bankruptcy court to seal her records because an adversary proceeding contained extremely personal medical information that if made public could make it difficult for her to find a job. The medical information revealed included a diagnosis of severe depression and psychiatric treatment. …

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… bar employment in their field of study.

The student loan debtor is the victim of identity theft.

A student loan debtor may also receive a discharge of their student loan if they were unable to complete their program of study because the school closed.  Once a debtor receives a discharge through the Department of Education, they will no longer owe the student loan and and any payments made in the past will be refunded to the debtor.

… that you were maxing out more cards that you actually were.  Because we now live in an age of identity theft, also review your report for accounts that are not yours.

Once you identify errors, learn how to use your rights and remedies as a consumer.  Federal and state statutes provide dispute procedures for consumers.  Texas law requires a credit reporting agency to provide you a written explanation of their dispute procedures and their process for correcting a consumer file or …

… simply said that the inclusion of the information exposed the debtors to an increased risk of identity theft.”

The debtors’ subsequently signed up for a $25 a month service to monitor their credit report as a preventive measure.  The bankruptcy court also noted that since the debtors did not allege any specific damages they had suffered and since the creditor eventually removed the offending disclosure, the debtors’ complaint had no grounds.  However, the bankruptcy court did …

… information such as a driver’s license number, Social Security number to supposedly verify their identity. The online application may also request the unemployed person’s bank account or credit card number to allegedly run a credit check. This is an identity theft scam.

Another job scam involves a request that the unemployed job seeker pay for information about government jobs such as a position at the post office. Usually money is sent and nothing is sent in return or the unemployed …

… all types of fraud. The free program will cover internet fraud, health care fraud, elder fraud, identity theft and counterfeit fraud.

(source: http://www.dallasnews.com/sharedcontent/dws/bus/personalfinance/stories/100208dnbusfraudbrf.3958a0d.html )

… his victims.

Back in October, Michael Lee Wilson Pleaded guilty to 59 felony counts of grand theft, because he had been camming people through his mortgage company, Pacific Coast Mortgage, for several years. He was originally arrestede in July and charged with 147 counts of some combination of forgery, grand theft, and misrepresentation. He was able to get the number of counts dropped in exchange for his guilty plea to the 59 counts.

He now faces 20 years in prison, but in an effort …

… balance of you debt is for each bill.

If you are contacted by a debt collector confirm their identity and verify that they have the right to collect on your debt.

If you are unable to pay on your debts at this time, you may want to consider bankruptcy.  Filing bankruptcy will help you eliminate your debts, clear the confusion, reduce stress and help you get a fresh financial start.

… attorney to get the truth. One letter from an attorney to the mortgage servicer asking for the identity of the owner may be sufficient.

… where a debtor, usually someone who has recently filed bankruptcy, is offered a brand new credit identity in exchange for a fee–usually a very large fee.

How It Works

The scammer usually targets those who have filed bankruptcy or who have delinquent credit cards or loans in default on their credit report.  The scammer attempts to convince the target that because they filed bankruptcy they won’t be able to get any loans or credit cards for ten years.  This is false.  Although a …

… against criminals who target senior citizens for foreclosure scams, credit card scams, identify theft and other types of financial abuse.

The article said:

“It is a fairly widespread problem, which is being made worse by the increasing number of seniors and the tight economy,” said Carlos Higgins, a representative of the group who lobbied for the new law. “As folks get older, too often they are less able to recognize and defend against the sharks out there, and we know the …