Free Legal Advice
This is a discussion on Free Legal Advice within the Off Topic & Humor Discussion forums, part of the The Back Porch category; I got this e-mail and thought it was good enough advice to post here for the "just in case" mindset.
LAWYER'S ADVICE -- NO CHARGE
April 8th, 2006 08:02 PM
Free Legal Advice
I got this e-mail and thought it was good enough advice to post here for the "just in case" mindset.
LAWYER'S ADVICE -- NO CHARGE
Read 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 Social Security number printed on your checks. (DUH!) 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 I travel either here or abroad. We've all heard horror stories about fraud that's committed on us in stealing a name, address, Social Security number, credit cards, etc.
Unfortunately, I, an attorney, have firsthand knowledge because my wallet was stolen last month. Within a week, the thief 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 3 national credit reporting organizations immediately to place a fraud alert on your name and Social Security number. I had never heard of doing that until advised by a bank which called to tell me an application for credit was made over the Internet in my name. The alert means any company who 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 thief's purchases, none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thief threw my wallet away. This weekend someone turned it in. It seems to have stopped them dead in their tracks.
Now, here are the numbers you always need to contact about your wallet, etc., has been stolen:
1.) Equifax: 1-800-525-6285
2.) Experian (formerly TRW): 1-888-397-3742
3.) Trans Union: 1-800-680-7289
4.) Social Security Administration (fraud line): 1-800-269-0271
Former Army Infantry Captain; 25 yrs as an NRA Certified Instructor; NRA Endowment Life; Avid practitioner of the martial art: KLIK-PAO.
April 8th, 2006 08:21 PM
Good advice. I have a couple of "DUH" ones to add that people constantly screw up. Don't write the PIN on the credit card and, unless you have a specific reason to, don't carry your social security card. Unless you are applying for a job or something similar, there's no need for the SSC in regular life.
The only thing that stops bad guys with guns is good guys with guns. SgtD
April 8th, 2006 10:49 PM
VIP Member (Retired Staff)
Worthwhile stuff Jim - much is common sense but well worth a reminder. I find it hard to imagine folks putting SSN on checks!!!
Chris - P95
NRA Certified Instructor & NRA Life Member.
"To own a gun and assume that you are armed
is like owning a piano and assuming that you are a musician!."
- a portal for 2A links, articles and some videos.
April 8th, 2006 10:55 PM
Excellent! As a 'Financial geek" this list was pretty comprhensive. Thanks.
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