{"id":352684,"date":"2016-04-04T10:42:08","date_gmt":"2016-04-04T15:42:08","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/consumer\/online-scams\/what-is-email-phishing-and-spoofing.html"},"modified":"2024-04-07T01:14:55","modified_gmt":"2024-04-07T06:14:55","slug":"what-is-email-phishing-and-spoofing","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/consumer\/online-scams\/what-is-email-phishing-and-spoofing.html","title":{"rendered":"What Is Email Phishing and Spoofing?"},"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\">What Is Email Phishing and Spoofing?<\/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 07, 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>Email phishing and spoofing are types of online scams. Both types involve a scammer pretending to be a different person or have a different purpose than they claim. In reality, the scammer is trying to get information from you.<\/p>\r\n<p>Anyone with an email account is vulnerable to fraud. Con artists use phishing and spoofing tactics through email. This article provides the basics of these online fraud tactics, how to spot them, and how to avoid becoming a victim.<\/p>\r\n<h2>What Is the Difference Between Phishing and Spoofing?<\/h2>\r\n<p>Phishing hides the scammer&#8217;s true intent. Spoofing hides the scammer&#8217;s true identity. They can work in tandem. Spoofing and email phishing both use deception to trick users, usually so they reveal sensitive information.<\/p>\r\n<p>Email phishing is the act of impersonating a business or other entity to trick the email recipient into giving up sensitive personal information. Data gleaned from phishing can be used to&nbsp;<a href=\"https:\/\/www.findlaw.com\/criminal\/criminal-charges\/identity-theft.html\">commit identity theft<\/a>&nbsp;or to gain access to online accounts.<\/p>\r\n<p>Email spoofing involves a header or images appearing to be from someone (or somewhere) other than the actual source. Similarly, IP spoofing consists of using a forged IP address to trick the victim&#8217;s computer into believing it came from a trusted source.<\/p>\r\n<h3>Email Phishing Scams Seek Information<\/h3>\r\n<p>You&#8217;ve likely seen a phishing message before. It asks you to provide or verify your personal information. Yet, the email looks suspicious upon closer inspection. You might not recognize the sender&#8217;s email address, or it appears to be a random string of letters and numbers.<\/p>\r\n<p>Often, this sort of communication can look something like this:<\/p>\r\n<p>&quot;During our regular verification of accounts, we couldn&#8217;t verify your information. Please click here to update and verify your information.&quot;<\/p>\r\n<p>Such a request for sensitive data is almost always a phishing attempt.<\/p>\r\n<p>In a phishing attack, the scammer usually seeks data such as:<\/p>\r\n<ul>\r\n<li>Credit card numbers (along with the expiration date and security code)<\/li>\r\n<li>Social Security numbers<\/li>\r\n<li>Bank account numbers<\/li>\r\n<li>Birth dates<\/li>\r\n<li>Passwords<\/li>\r\n<\/ul>\r\n<p>Legitimate businesses, especially financial institutions like PayPal, do not ask for this type of information via email.<\/p>\r\n<p>There are many types of phishing. Some phishing attacks use sophisticated software to send pop-up messages requesting such information. Others use text messaging or voice calls, as explained in more detail below.<\/p>\r\n<p>Pop-up and email messages often ask the recipient to &quot;click here.&quot; They will take users to a legitimate-looking website to collect an unsuspecting victim&#8217;s data&nbsp;<a href=\"https:\/\/www.findlaw.com\/criminal\/criminal-charges\/fraud.html\">fraudulently<\/a>.<\/p>\r\n<h3>How Spoofing Scams Work<\/h3>\r\n<p>Spoofing is the act of using a faked (or spoofed) email header or IP address. The scammer tries to hide their tracks to fool the recipient into thinking it is legitimate. Websites and social media profiles can also be spoofed.<\/p>\r\n<p>Not all unsolicited spam email spoofs involve phishing. However, email spoofing is a common method to enable phishing.<\/p>\r\n<p>Spoofers often set up fake websites with domain names and designs similar to real businesses and government agencies. A cybercriminal can even spoof a friend you&#8217;ve known for years. Or, they might build an entirely new fake persona, which is common in&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/what-is-catfishing.html\">catfishing scams<\/a>.<\/p>\r\n<p>If the message asks you to buy goods or follow a link, check that the sender is who they claim to be. The perpetrator might have accessed someone&#8217;s address book through&nbsp;<a href=\"https:\/\/www.findlaw.com\/criminal\/criminal-charges\/hacking-laws-and-punishments.html\">hacking or social engineering<\/a>.<\/p>\r\n<p>IP spoofing frequently is used to launch denial-of-service attacks. These cybersecurity attacks hit a target computer with an overwhelming amount of data, causing it to crash. The attacker can appear harmless by spoofing the IP and gain easy access.<\/p>\r\n<h2>Is Email Phishing Illegal?<\/h2>\r\n<p>Yes, sending a phishing email is&nbsp;<a href=\"https:\/\/www.findlaw.com\/criminal\/criminal-charges\/phishing-scams.html\">criminal fraud<\/a>. The scammer may also use the information they gathered from phishing to commit identity theft, which is also a crime.<\/p>\r\n<h3>Anti-Phishing Laws<\/h3>\r\n<p>Roughly half of states have specific laws against phishing, such as:<\/p>\r\n<ul>\r\n<li>New York:&nbsp;<a href=\"https:\/\/codes.findlaw.com\/ny\/general-business-law\/gbs-sect-390-b\/\" target=\"_blank\" rel=\"noopener\">Anti-Phishing Act of 2006<\/a><\/li>\r\n<li>California:&nbsp;<a href=\"https:\/\/codes.findlaw.com\/ca\/business-and-professions-code\/bpc-sect-22948\/\" target=\"_blank\" rel=\"noopener\">Anti-Phishing Act of 2005<\/a><\/li>\r\n<li>Washington:&nbsp;<a href=\"https:\/\/codes.findlaw.com\/wa\/title-19-business-regulationsmiscellaneous\/wa-rev-code-19-190-080\/\" target=\"_blank\" rel=\"noopener\">RCW \u00a7 19.190.080<\/a><\/li>\r\n<li>Texas:&nbsp;<a href=\"https:\/\/codes.findlaw.com\/tx\/business-and-commerce-code\/bus-com-sect-325-001\/\" target=\"_blank\" rel=\"noopener\">Anti-Phishing Act<\/a><\/li>\r\n<li>Florida:&nbsp;<a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxix-commercial-relations\/fl-st-sect-668-701.html\" target=\"_blank\" rel=\"noopener\">Antiphishing&nbsp;Act<\/a><\/li>\r\n<li>Illinois:&nbsp;<a href=\"https:\/\/codes.findlaw.com\/il\/chapter-740-civil-liabilities\/il-st-sect-740-7-1.html\" target=\"_blank\" rel=\"noopener\">Anti-Phishing Act<\/a><\/li>\r\n<\/ul>\r\n<p>Such state laws define phishing. They also explain the legal actions that victims or the state attorney general can take against the scammer.<\/p>\r\n<p>Federal identity theft laws are not specific to online phishing. Yet, they can apply after the scammer uses your information.<\/p>\r\n<p>The&nbsp;<a href=\"https:\/\/www.ftc.gov\/legal-library\/browse\/rules\/identity-theft-assumption-deterrence-act-text\" target=\"_blank\" rel=\"noopener\">Identity Theft and Assumption Deterrence Act<\/a>&nbsp;makes using someone else&#8217;s information without lawful authority a crime. Getting that information through fraud, such as phishing, doesn&#8217;t give a scammer lawful authority to use it. The&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/the-identity-theft-enforcement-and-restitution-act.html\">Identity Theft Enforcement and Restitution Act<\/a>&nbsp;also gives rights to phishing victims after a scammer steals their identity.<\/p>\r\n<h2>Is Email and Website Spoofing Illegal?<\/h2>\r\n<p>Yes, spoofing can be illegal even when it doesn&#8217;t connect to a phishing scheme. Legitimate businesses can&#8217;t spoof other people or companies. Doing so would generally violate&nbsp;<a href=\"https:\/\/www.findlaw.com\/smallbusiness\/business-operations\/email-marketing-best-practices.html\">deceptive marketing laws<\/a>.<\/p>\r\n<h3>Laws Against Spoofing Tactics<\/h3>\r\n<p>The Controlling the Assault of Non-Solicited Pornography and Marketing (<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/the-can-spam-act-trying-to-protect-consumers-from-unsolicited.html\">CAN-SPAM<\/a>) Act creates federal anti-spoofing rules. The act prohibits using fake email header information, including the sender&#8217;s name and address.<\/p>\r\n<p>Many states also have laws that can be applied to spoofing. For example, Georgia prohibits using \u201cany individual name, trade name, registered trademark, logo, legal or official seal, or copyrighted symbol to falsely identify the person, organization, or representative transmitting such data&quot;(<a href=\"https:\/\/codes.findlaw.com\/ga\/title-16-crimes-and-offenses\/ga-code-sect-16-9-93-1\/\" target=\"_blank\" rel=\"noopener\">GA Code \u00a7 16-9-93.1<\/a>).<\/p>\r\n<h2>What Is Vishing?<\/h2>\r\n<p>Vishing scams are a form of phishing in which scammers use voice messages or robocalls to target you. Scammers may send these messages by calling you directly or using a voice over internet protocol (VoIP) service. They can even create a fake caller ID to trick you into believing the call is legitimate.<\/p>\r\n<p>A vishing scammer might pretend to be a customer service agent, an account manager, or a government agency worker. They may claim they&#8217;re calling you about a problem with your Microsoft or Apple account. These tech companies are popular, so many people might believe the caller.<\/p>\r\n<p>Never give your account information or login credentials over the phone \u2014 unless you initiated the call and know you used a legitimate phone number. The&nbsp;<a href=\"https:\/\/www.irs.gov\/newsroom\/tax-scamsconsumer-alerts\" target=\"_blank\" rel=\"noopener\">Internal Revenue Service<\/a>&nbsp;(IRS) and&nbsp;<a href=\"https:\/\/www.ssa.gov\/scam\/\" target=\"_blank\" rel=\"noopener\">Social Security Administration<\/a>&nbsp;(SSA) will not ask you to give your Social Security number on a call.<\/p>\r\n<h3>Voice Messages and Calls Can Be Spoofed<\/h3>\r\n<p>Spoofing is no longer text-based. When you answer the phone, you may recognize the voice on the other end of the line \u2014 but that voice could be a spoof.<\/p>\r\n<p>Recently, the&nbsp;<a href=\"https:\/\/www.fcc.gov\/consumers\/guides\/deep-fake-audio-and-video-links-make-robocalls-and-scam-texts-harder-spot\" target=\"_blank\" rel=\"noopener\">FCC has warned consumers<\/a>&nbsp;about a new vishing risk due to artificial intelligence (AI) developments. Fraudsters may be able to recreate or mimic other people&#8217;s voices through AI technology. For example,&nbsp;<a href=\"https:\/\/docs.fcc.gov\/public\/attachments\/DOC-400295A1.pdf\" target=\"_blank\" rel=\"noopener\">President Joe Biden&#8217;s voice<\/a>&nbsp;was spoofed in early 2024 during the New Hampshire primary election. Such voice recreations are known as deepfakes.<\/p>\r\n<h2>What Is Smishing?<\/h2>\r\n<p>Smishing scams are like email phishing, but scammers target you through text messaging (SMS).<\/p>\r\n<p>One typical example of a smishing scam is a fake shipping notification. The scammer sends a text that looks like an automated notification. The message claims that an item was unable to be delivered and typically includes a link prompting you to fix the problem. Since many people&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/consumer-transactions\/how-do-i-shop-safely-online.html\">shop online<\/a>&nbsp;and expect deliveries regularly, the victim might not think twice about opening the link.<\/p>\r\n<h2>What Is Spear Phishing?<\/h2>\r\n<p>A spear-phishing attack targets a specific recipient or group. It could target a group of workers at a particular company or a single individual.<\/p>\r\n<p>The level of personalization in many of these messages makes detecting the underlying scam difficult. For example, an email might list your name and mention a detail about you. Because the sender already seems to know something about you, you might be more likely to assume they rightfully obtained that information.<\/p>\r\n<p>Unfortunately, the sender may have stolen or found publicly available information about you. Spear phishing is an attempt to get the rest of the details they need \u2014 likely to&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/identity-theft\/\">steal your identity<\/a>.<\/p>\r\n<h2>How To Protect Yourself from Phishing and Spoofing<\/h2>\r\n<p>The best protection is to pay attention. Perhaps an email or website just doesn&#8217;t seem right. You may receive a message asking for financial or personally identifying data. You should pause, check for red flags, and only proceed with caution.<\/p>\r\n<p>The&nbsp;<a href=\"https:\/\/www.ftc.gov\/business-guidance\/small-businesses\/cybersecurity\/phishing\" target=\"_blank\" rel=\"noopener\">Federal Trade Commission<\/a>&nbsp;(FTC) and the&nbsp;<a href=\"https:\/\/www.fbi.gov\/how-we-can-help-you\/scams-and-safety\/common-scams-and-crimes\/spoofing-and-phishing\" target=\"_blank\" rel=\"noopener\">Federal Bureau of Investigation<\/a>&nbsp;(FBI) offer tips for consumers to avoid these scams. These agencies monitor phishing attacks.<\/p>\r\n<p>Here are a few ways you can detect and avoid falling for a phishing or spoofing scam:<\/p>\r\n<ul>\r\n<li>Do not respond to any email message asking for personal or financial information, and do not click on any links provided in such a message.<\/li>\r\n<li>Remember that phone numbers provided by phishers often use internet technology to hide the true source of the phone call, and area codes can be misleading.<\/li>\r\n<li>Update your antivirus and anti-spyware software regularly.<\/li>\r\n<li>Never send sensitive data (Social Security numbers, credit card numbers, etc.) via email.<\/li>\r\n<li>Check bank account and credit card statements for unusual transactions.<\/li>\r\n<li>Be careful when opening attachments or downloading files attached to emails. They may be malware or spyware, even if they appear to be from a friend (since spoofing can hide the true source).<\/li>\r\n<li>If you need to update potentially sensitive information online, open a new browser window and manually type in the web address using a process you have used before.<\/li>\r\n<li>If the web address of a known site looks unfamiliar, it may not be the legitimate site.<\/li>\r\n<li>If you are conducting bank business or other sensitive transactions online, look for the lock icon and &quot;https&quot; in front of the web address, indicating a secure site.<\/li>\r\n<li>Be suspicious of unusually long and random-looking web addresses.<\/li>\r\n<li>If in doubt about an email that appears to be from a legitimate business, call the company yourself instead of replying to the message.<\/li>\r\n<\/ul>\r\n<p>Relying on your email service&#8217;s spam filters to catch phishing and spoofing emails isn&#8217;t safe. Suspicious emails become harder to catch as thieves evolve new scam strategies.<\/p>\r\n<h2>How To Report Phishing or Spoofing<\/h2>\r\n<p>If you believe you have been scammed by a phishing or spoofing attack,&nbsp;<a href=\"https:\/\/reportfraud.ftc.gov\/\" target=\"_blank\" rel=\"noopener\">file a complaint<\/a>&nbsp;with the FTC. The online form can help you send a report to a federal database. It can also give you a plan for what to do next based on the type of fraud you encountered.<\/p>\r\n<p>Watch for&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/detecting-identity-theft.html\">signs of identity theft<\/a>. You also should contact your local law enforcement office and file a complaint with the&nbsp;<a href=\"https:\/\/www.ic3.gov\/default.aspx\" target=\"_blank\" rel=\"noopener\">FBI&#8217;s Internet Crime Complaint Center<\/a>.<\/p>\r\n<p>Unfortunately, you may not know about a phishing or spoofing attack until it&#8217;s too late. The attacker may have used your information to commit&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/stolen-identity-what-to-do.html\">identity theft<\/a>&nbsp;or other crimes.<\/p>\r\n<h2>Seek Legal Advice for Scams<\/h2>\r\n<p>Identity theft and other crimes can inflict widespread harm to your life and finances. Many attorneys work with victims to&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/what-does-an-identity-theft-attorney-do.html\">recover their losses<\/a>&nbsp;and hold thieves accountable.<\/p>\r\n<p>Online scam cases can be complex, especially due to scammers&#8217; anonymity. Contact a&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/consumer-protection\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">local consumer protection lawyer<\/a>&nbsp;to discuss your specific legal options.<\/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\" 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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 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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    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rel=\"noopener\">Antitrust and Trade Regulation Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/business-commercial-law\/\" target=\"_blank\" rel=\"noopener\">Business and Commercial Law Attorneys<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/communications-media-law\/\" target=\"_blank\" rel=\"noopener\">Communications and Medial Law Attorneys<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/ethics-professional-responsibility\/\" target=\"_blank\" rel=\"noopener\">Ethics and Professional Responsibility Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/science-technology-law\/\" target=\"_blank\" rel=\"noopener\">Science and Technology Law Attorneys<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/entertainment-sports-leisure-law\/\" target=\"_blank\" rel=\"noopener\">Entertainment, Sports and Leisure Law Attorneys<\/a><\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Phishing and spoofing scams often trick people. Be careful when sharing personal or financial information. FindLaw explains how the law protects you.<\/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-352684","page","type-page","status-publish","hentry","category-consumer"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/352684","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=352684"}],"version-history":[{"count":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/352684\/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=352684"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=352684"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=352684"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=352684"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=352684"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}