Attorney’s Advice – No Charge

attorneyadviceRead this and make a copy for your files in case you need to refer to it someday. Maybe we should all take some of his advice. A corporate attorney sent the following out to the employees in his company:

  1. The next time you order checks have only your initials (instead of first name) and last name put on them. If someone takes your checkbook, they will not know if you sign your checks with  just your initials or your first name, but your bank will know how you sign your checks.
  2. Do not sign the back of your credit cards. Instead, put “Photo ID Required.”
  3. When you are writing checks to pay on your credit card accounts, do not put the complete account number on the “For” line. Instead, just put the last four numbers. The credit card  company knows the rest of the number, and anyone who might be handling your check as it passes through all the check processing channels won’t have access to it.
  4. Put your work phone # on your checks instead of your home phone. If you have a PO Box, use that instead of your home address. If you do not have a PO Box, use your work address. Never have your SIN# printed on your checks. You can add it if it is necessary. But if you have it  printed, anyone can get it.
  5. Place the contents of your wallet on a photocopy machine. Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and  phone numbers to call and cancel. Keep the photocopy in a safe place. I also carry a photocopy of my passport when travel either here or abroad. We’ve all heard horror stories about fraud  that’s committed on us in stealing a name, address, SIN, credit cards.

Unfortunately, I, an attorney, have firsthand knowledge because my wallet was stolen last month. Within a week, the thieve(s) ordered an expensive monthly cell phone package, applied  for a VISA credit card, had a credit line approved to buy a Gateway computer, received a PIN  number from DMV to change my driving record information online, and more.

But here’s some critical information to limit the damage in case this happens to you or someone you know:

  1. We have been told we should cancel our credit cards immediately. But the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them.
  2. File a police report immediately in the jurisdiction where your credit cards, etc. were stolen. This proves to credit providers you were diligent and this is a first step toward an investigation (if there ever is one).But here’s what is perhaps most important of all (I never even thought to do this):
  3. Call the two national credit reporting organizations immediately to place a fraud alert on your name and Social Insurance Number. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the Internet in my name. The alert means any company that checks your credit knows your information was stolen and they have to contact you by phone to authorize new credit.By the time I was advised to do this, almost two weeks after the theft, all the damage had been done. There are records of all the credit checks initiated by the thieves’ purchases, none of which I knew about before placing the alert.  Since then, no additional damage has been done, and the thieves threw my wallet away. This weekend someone turned it in. It seems to have stopped them dead in their tracks.
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3 Responses to “Attorney’s Advice – No Charge”

  • Jamie Jamie says:

    Hi Charmaine, I do not have the experience to respond to your question. I would recommend getting advice from a professional. Think through what you want from this situation: are you hoping to get your money back or are you willing to cut your losses and end ties with him? Make sure you have all of your records gathered so you can show what the original contract was, the payments made, what work was completed and what is still outstanding. The more organized you are the less time you will need to spend with your advisor.

  • Charmaine says:

    Helo I’m in need for advice on cotract breach I had a man working for me and gave him in advance his agreement of paymentfor his side of the work and money to finixh the work which he has not done and he receive all of the payment he did not give his I’d no t me also but sign the contract I have waited for him to come and finish the jop but he never finish the jop we have pic up trouble with him because now he do not have the money to finsh the jop and exspect me to give him more money to do that which I have give him from the start so because of these reasons I have told him I don’t want his help anymore and now he wants a letter to confirm it. If he do receive the letter can he take me to court for contract breach thank you I’m in diestrades

  • catfantastic Cat says:

    Fred Clark points out that credit card companies have pulled off a real piece of work there, convincing the world that the consumer is responsible for crimes committed against themselves.

    Me, I’ve found that the best protection against identity theft is to maintain really lousy credit. That’s why I do it. Honest.

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