{"id":352664,"date":"2016-04-04T10:42:05","date_gmt":"2016-04-04T15:42:05","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/consumer\/online-scams\/detecting-identity-theft.html"},"modified":"2024-04-23T14:20:56","modified_gmt":"2024-04-23T19:20:56","slug":"detecting-identity-theft","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/consumer\/online-scams\/detecting-identity-theft.html","title":{"rendered":"Detecting Identity Theft"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Detecting Identity Theft<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/hannah-hilst\/\">Hannah Hilst<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/melissa-bender-esq\/\">Melissa Bender, Esq.<\/a>\n                | Last reviewed\n        <time>\n                            April 23, 2024\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>Unlike a robbery or burglary, identity theft often happens without the victim&#8217;s knowledge. Most identity theft victims only find out after seeing strange charges on their credit card statements or applying for a loan.<\/p>\r\n<p>Prevention is always the best policy. You can use strategies to&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/tips-to-help-protect-your-identity.html\">avoid typical scams<\/a>, such as phishing for financial information.<\/p>\r\n<p>But sometimes, personal information gets exposed through&nbsp;<a href=\"https:\/\/www.findlaw.com\/smallbusiness\/business-operations\/business-data-breach-customer-id-theft.html\">security breaches<\/a>&nbsp;at banks, stores, or other companies. Ultimately, identity theft can happen to even the most cautious consumers.<\/p>\r\n<p>The following FAQs can help you detect identity theft and stop fraudulent activity as early as possible.<\/p>\r\n<ul>\r\n<li><a  href=\"#Signs\">What are some common signs of identity theft?<\/a><\/li>\r\n<li><a  href=\"#Know\">Will I know when somebody steals my identity?<\/a><\/li>\r\n<li><a  href=\"#Monitor\">What should I monitor to detect identity theft?<\/a><\/li>\r\n<li><a  href=\"#Access\">How do I access my free annual credit report?<\/a><\/li>\r\n<li><a  href=\"#Pay\">Should I pay for a credit monitoring service?<\/a><\/li>\r\n<li><a  href=\"#Scammer\">What should I do if a scammer stole my identity?<\/a><\/li>\r\n<li><a  href=\"#Lawyer\">Should I hire a lawyer for identity theft?<\/a><\/li>\r\n<\/ul>\r\n<h2><a id=\"Signs\"><\/a>What are some common signs of identity theft?<\/h2>\r\n<p>Early signs of&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/identity-theft.html\">identity theft<\/a>&nbsp;include:<\/p>\r\n<ul>\r\n<li>Failing to get bills or other mail related to your accounts (an identity thief may have changed the billing address on your accounts to hide their activity)<\/li>\r\n<li>Getting credit cards you never applied for<\/li>\r\n<li>Being approved for much less favorable terms for a credit application than you expected<\/li>\r\n<li>Getting&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/debt-collection-laws.html\">calls from debt collectors<\/a>&nbsp;or businesses about unfamiliar debts or charges<\/li>\r\n<li>Getting notices of new accounts that you never opened<\/li>\r\n<li>Finding strange charges and debits on your accounts that don&#8217;t make sense with your spending habits<\/li>\r\n<li>Getting mail or insurance claims for&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/identity-theft-and-obamacare-what-you-need-to-know.html\">unrequested medical services<\/a><\/li>\r\n<\/ul>\r\n<p>Checking your credit report is an efficient way to detect fraudulent activity in your name. Evidence of identity theft typically includes fraudulent or inaccurate information on your credit report. For example, you might see incorrect addresses, names, initials, or Social Security numbers.<\/p>\r\n<h2><a id=\"Know\"><\/a>Will I know when somebody steals my identity?<\/h2>\r\n<p>You might not \u2014 at least not right away. Most victims of identity theft don&#8217;t know the crime has happened until the damage is done.<\/p>\r\n<p>Watching for the early signs described above can help you catch fraud before it worsens. Unfortunately, many people only find out once they run into serious problems.<\/p>\r\n<p>Unless you actively watch your accounts, the first sign of identity theft could be any of the following:<\/p>\r\n<ul>\r\n<li>Bill collection agencies call or write to you about past due balances for debts you never personally charged<\/li>\r\n<li>Unfamiliar problems with your credit history hold up a car loan or mortgage application<\/li>\r\n<li>You get mail about an apartment you never rented or a job you never had<\/li>\r\n<li>A lender unexpectedly rejects your credit application<\/li>\r\n<li>The IRS claims you filed multiple&nbsp;<a href=\"https:\/\/www.findlaw.com\/tax\/tax-problems-audits\/how-to-deal-with-tax-identity-theft.html\">tax returns fraudulently<\/a><\/li>\r\n<li>You get a surprise overdraft notice for lack of funds in your bank account<\/li>\r\n<\/ul>\r\n<p>Financial institutions must watch for signs of identity theft under the &quot;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/what-is-the-identity-theft-red-flags-rule.html\">red flags rule<\/a>.&quot; But you know your finances best. Your bank or credit card provider might not always tell whether a certain activity belongs to you or an identity thief.<\/p>\r\n<h2><a id=\"Monitor\"><\/a>What should I monitor to detect identity theft?<\/h2>\r\n<p>Check your financial statements, especially credit card statements, for irregularities.<\/p>\r\n<p>Monitoring your credit report is perhaps the best way to see all credit, including credit applications, in your name. Your credit report will show signs of possible identity theft \u2014 even if you don&#8217;t get suspicious mail or charges.<\/p>\r\n<p>Review your credit report for the following issues:<\/p>\r\n<ul>\r\n<li>Inquiries from companies you didn&#8217;t contact<\/li>\r\n<li>Accounts you didn&#8217;t open<\/li>\r\n<li>Debts you can&#8217;t explain<\/li>\r\n<li>Inaccurate personal information<\/li>\r\n<\/ul>\r\n<p>Check your credit report at least once a year. Remember that federal law requires credit reporting agencies to provide consumers with free annual reports.<\/p>\r\n<h2><a id=\"Access\"><\/a>How do I access my free annual credit report?<\/h2>\r\n<p>The Fair Credit Reporting Act allows for one free report each year. The three major credit bureaus include Equifax, Experian, and TransUnion.<\/p>\r\n<p>You can request a free copy of your credit report through the Annual Credit Report Request Service below:<\/p>\r\n<ul>\r\n<li>877-322-8228<\/li>\r\n<li><a href=\"http:\/\/www.annualcreditreport.com\/\" target=\"_blank\" rel=\"noopener\">Annualcreditreport.com<\/a><\/li>\r\n<li>Annual Credit Report Request Service, P.O. Box 105281, Atlanta, Ga. 30348-5281.<\/li>\r\n<\/ul>\r\n<p>Federal law also entitles consumers to a free credit report if a company denies your credit application or takes adverse action against you. But you must request it within 60 days.<\/p>\r\n<h2><a id=\"Pay\"><\/a>Should I pay for a credit monitoring service?<\/h2>\r\n<p>Paying for a fraud alert service is unnecessary. Regularly checking your finances and credit report is usually enough to detect problems. Yet, you may subscribe to one for convenience and peace of mind.<\/p>\r\n<p>These commercial, fee-based services promise to track your credit reports for suspicious activity and alert you to changes. Not all are equal, so some might not be worth the money.<\/p>\r\n<p>Research the company first. Check with the Better Business Bureau or your state attorney general to see if they have received consumer complaints.<\/p>\r\n<h2><a id=\"Scammer\"><\/a>What should I do if a scammer stole my identity?<\/h2>\r\n<p>The&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/stolen-identity-what-to-do.html\">steps to take next<\/a>&nbsp;can include:<\/p>\r\n<ul>\r\n<li>Filing a police report with local law enforcement<\/li>\r\n<li>Alerting the Federal Trade Commission (FTC) through&nbsp;<a href=\"https:\/\/www.identitytheft.gov\/\" target=\"_blank\" rel=\"noopener\">IdentityTheft.gov<\/a><\/li>\r\n<li>Reporting fraud to your bank<\/li>\r\n<li>Locking your credit cards<\/li>\r\n<li>Placing a security freeze on your credit<\/li>\r\n<li>Reviewing all your accounts to assess the extent of fraud<\/li>\r\n<li>Filing a claim under your&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/what-is-identity-theft-insurance-and-do-i-need-it.html\">identity theft insurance policy<\/a><\/li>\r\n<li>Learn about&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/the-identity-theft-enforcement-and-restitution-act.html\">potential compensation<\/a>&nbsp;if police catch the identity thief<\/li>\r\n<\/ul>\r\n<p>Immediate action can stop and sometimes reverse the damage of identity theft.<\/p>\r\n<h2><a id=\"Lawyer\"><\/a>Should I hire a lawyer for identity theft?<\/h2>\r\n<p>Some identity theft cases may warrant seeking legal advice, especially when the damage is extensive.<\/p>\r\n<p>Identity theft can create a complex web of legal and financial issues. A&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/consumer-protection\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">consumer protection lawyer<\/a>&nbsp;can help you untangle it. An attorney can help you understand the options to recover from lost money and privacy.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        <path id=\"Vector\"\n                              d=\"M6 21H3C2.46957 21 1.96086 20.7893 1.58579 20.4142C1.21071 20.0391 1 19.5304 1 19V12C1 11.4696 1.21071 10.9609 1.58579 10.5858C1.96086 10.2107 2.46957 10 3 10H6M13 8V4C13 3.20435 12.6839 2.44129 12.1213 1.87868C11.5587 1.31607 10.7956 1 10 1L6 10V21H17.28C17.7623 21.0055 18.2304 20.8364 18.5979 20.524C18.9654 20.2116 19.2077 19.7769 19.28 19.3L20.66 10.3C20.7035 10.0134 20.6842 9.72068 20.6033 9.44225C20.5225 9.16382 20.3821 8.90629 20.1919 8.68751C20.0016 8.46873 19.7661 8.29393 19.5016 8.17522C19.2371 8.0565 18.9499 7.99672 18.66 8H13Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\"\n                              stroke-linejoin=\"round\"><\/path>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3418\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"><\/rect>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"No\"\n                value=\"no\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">No<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-down\" clip-path=\"url(#clip0_604_3423)\">\n                        <path id=\"Vector\"\n                              d=\"M16 0.999995H18.67C19.236 0.989986 19.7859 1.18813 20.2154 1.55681C20.645 1.9255 20.9242 2.43905 21 3V10C20.9242 10.5609 20.645 11.0745 20.2154 11.4432C19.7859 11.8119 19.236 12.01 18.67 12H16M9.00003 14V18C9.00003 18.7956 9.3161 19.5587 9.87871 20.1213C10.4413 20.6839 11.2044 21 12 21L16 12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n            <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n        <\/div>\n        <form class=\"was-this-helpful__feedback-form\">\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--positive\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this helpful?<\/legend>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--understandable\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Easy to understand\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--understandable\"\n                        >Easy to understand<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--solved-problem\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Solved my problem\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        <div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Consumer legal issues typically need an attorney&#8217;s support\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    You can hire an attorney to enforce your rights for safe products, fair transactions, and legal credit, banking and related financial matters\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Legal cases for identity theft, scams, or the Equal Credit Opportunity Act can be complicated and slow. An attorney can offer tailored advice and help prevent common mistakes.<\/p>\n\n            <\/div>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\"><a href=\"https:\/\/lawyers.findlaw.com\/consumer-protection\/#USER_GEO\/?fli=esum:0803\" target=\"_blank\" rel=\"noopener\">Find a local attorney<\/a><\/p>\n\n            <\/div>\n            <\/div>\n<\/div>\n\n\n<div class=\"email-subscription fl-mb30\">\n    <div class=\"email-subscription-header\">\n        <div class=\"email-subscription-header-content\">\n            <h3 class=\"fl-callout-sm fl-no-margin\">Stay Up-to-Date With How the Law Affects Your Life<\/h3>\n        <\/div>\n        <div class=\"email-subscription-header-image fl-flex fl-items-end\">\n            <img decoding=\"async\"\n                src=\"https://www.findlaw.com/static/c/images\/images\/w_1200,c_limit,dpr_auto\/f_auto,q_auto:eco\/v1745902396\/ability-law\/wp-prod\/general-components-subscribe-module-Image-subscribeModule_1\/general-components-subscribe-module-Image-subscribeModule_1.png?_i=AA\"\n                alt=\"\"\n                loading=\"lazy\"\n            \/>\n        <\/div>\n    <\/div>\n\n    <div class=\"email-subscription-content fl-flex fl-flex-wrap\">\n        <div class=\"email-subscription-content-text fl-mb25\">\n            <h4 class=\"fl-no-margin\">Enter your email address to subscribe<\/h4>\n        <\/div>\n\n        <form class=\"email-subscription-content-form\">\n            <input type=\"hidden\" name=\"distributionList\" value=\"latl\" \/>\n            <label for=\"email-subscription-content-form-group-input\" class=\"fl-text-sm-bold\">Email (Required)<\/label>\n            <div class=\"email-subscription-content-form-group\">\n                <input id=\"email-subscription-content-form-group-input\" name=\"email\" autocomplete=\"email\"\/>\n                <button type=\"submit\" aria-label=\"Submit\">\n                    <i class=\"fa fa-angle-right\" aria-hidden=\"true\"><\/i>\n                <\/button>\n            <\/div>\n            <p class=\"email-subscription-content-form-success subscribe-success-message fl-text-sm-bold\" aria-hidden=\"true\" role=\"status\">Thank you for subscribing!<\/p>\n            <p class=\"email-subscription-content-form-error subscribe-error-message fl-text-sm-bold\" role=\"alert\" aria-hidden=\"true\"><\/p>\n\n            <div id=\"email-subscription-content-form-recaptcha\" class=\"email-subscription-content-form-recaptcha subscribe-recaptcha\"\n                data-sitekey=\"0x4AAAAAAABGBEkK9kEeKxO-\"><\/div>\n        <\/form>\n\n        <div class=\"email-subscription-content-footer fl-text-sm\">\n            <p><a href=\"https:\/\/newsletters.findlaw.com\/\" target=\"_blank\" rel=\"noopener\">Learn more about FindLaw\u2019s newsletters<\/a>, including our terms of use and privacy policy.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n<div class=\"general-list\">\n    <h3>Helpful Links<\/h3>\n    <ul class=\"fl-list fl-no-margin\">\n                                    <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/consumer\/lemon-law.html\">\n                        Lemon Law\n                    <\/a>\n                <\/li>\n                                                <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/consumer\/online-scams.html\">\n                        Online Scams\n                    <\/a>\n                <\/li>\n                                                <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/consumer\/travel-rules-and-rights.html\">\n                        Rights to Travel\n                    <\/a>\n                <\/li>\n                        <\/ul>\n<\/div>\n\n    <div class=\"popularDirectory\">\n        <div class=\"general-popular-directory \">\n            <div class=\"general-popular-directory-title\">\n                <h3>Attorney Directory<\/h3>\n            <\/div>\n            <ul>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/consumer-protection\/\" target=\"_blank\" rel=\"noopener\">Consumer Protection Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/credit-repair\/\" target=\"_blank\" rel=\"noopener\">Credit Repair Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/debtor-creditor\/\" target=\"_blank\" rel=\"noopener\">Debtor and Creditor Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/lemon-law\/\" target=\"_blank\" rel=\"noopener\">Lemon Law Attorneys<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/professional-malpractice-law\/\" target=\"_blank\" rel=\"noopener\">Professional Malpractice Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/personal-injury-plaintiff\/\" target=\"_blank\" rel=\"noopener\">Personal Injury Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/products-liability-law\/\" target=\"_blank\" rel=\"noopener\">Products Liability Lawyers<\/a><\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Watch for signs of identity theft. A scam or data breach can go undetected unless you know what to check. FindLaw explains how to spot potential fraud.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":352662,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2732],"tags":[],"state_laws_tags":[],"flmsa":[],"class_list":["post-352664","page","type-page","status-publish","hentry","category-consumer"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/352664","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=352664"}],"version-history":[{"count":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/352664\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/352662"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=352664"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=352664"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=352664"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=352664"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=352664"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}