One problem facing victims of identity theft is victim-blaming. People often feel that they must have done something that makes them, in some way, to blame for their ID theft. And some companies like to blame the victim of identity theft, either making them responsible for the original fraud or blaming them for not proving…
Identity theft is a terrible problem to have: it can ruin your credit, and you can even get sued over debts that aren’t yours. If you’re a victim of identity theft, it’s obvious to you what happened: you know that you didn’t buy gold bullion in Oregon, rent an apartment in Miami, or open a…
With roughly 944 people affected in 2021 at the expense of over $6.3 million in Maryland alone, social security identity theft is a crime that affects thousands of people across the country each year. Your social security number is tied directly to your livelihood– your healthcare information, access to financial accounts, and almost all forms…
Every year, the nationwide consumer reporting agencies (NCRAs)—Equifax, Experian, and TransUnion- receive tens of thousands of complaints regarding incorrect information on consumer credit reports. And, every year, the NCRAs attempt to solve their communication/operational problems with new policies that sometimes work and sometimes make no significant difference. Recently, the Consumer Financial Protection Bureau released its…
Peter had an opportunity to sit down with John Frenaye from “Eye on Annapolis” and discuss some of the issues confronting consumers today and what he does as a consumer protection and identity theft lawyer. John is a distinguished journalist and an informed member of the greater Maryland business community. Hear the entire interview by clicking…
The COVID-19 pandemic caused widespread uncertainty among consumers, and many families were forced to make hard decisions about how to allocate their resources. Unfortunately, amidst these uncertainties, some lenders didn’t follow the provisional pandemic policies put into place to protect consumers. Learn how some loan providers took advantage of consumers during the pandemic and how…
Credit information is used in almost every financial transaction. Whether it’s renting an apartment, purchasing insurance, or buying a home, your credit score/integrity always comes into question. Because of this, your credit information must be reported accurately. False information and reporting regarding your credit can have life-altering consequences. This article will cover some helpful information…
A class action usually involves a very large “class” of people who all have the same claims against an individual defendant, such as a bank, credit bureau, mortgage company, debt collector, or auto finance company. The class action is a procedural device contained in the court rules and is designed to be more efficient than…
Identity theft is a deeply serious matter. This type of fraud can result in someone’s identity being used to create accounts and run up charges that they didn’t consent to. The Federal Trade Commission (FTC) created the identity theft affidavit in 2002 to address this problem and help victims recover from this fraud. As of…
Most of us do a fair amount of shopping online, to put it lightly. Most goods and services can be bought online. For some online purchases, such as the notoriously over-priced concert ticket, consumers can get charged convenience fees. These fees are usually tacked on at the very end of the transaction. You’re almost ready…