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Identity Theft

Identity Theft Explained

Identity Theft Explained

What is Identity Theft?

Identity Theft is definedcriminal act of fraudulentlyobtaining the personal information belonging to another individual, and subsequently assuming that person’sidentity without the expressed consent – this type of fraudulent representation can be facilitated in order to achieve a variety of outcomes.

Typically, an individual committing identity theft will utilize deceptive means in order to gain access to the personal and private information belonging to another individual; this can be done through wire fraud or the illegal entry into an individual’s personal records – once this information is obtained, the individual committing identity theft will typically pose as that individual, unlawfully acting in that person’s place in order to achieve economic gain.

Types of Identity Theft

Although the criminal means of Identity Theft can vary in nature and setting, a vast array of negative outcome – in the form of damage, theft, and loss – exist; due to the expansiveness of Identity Theft, the severity of the crime is oftentimes corollary to the severity of the latent consequence(s) – loss sustained as a result of Identity Theft can range from the misappropriation of monies to the unlawful attainment of documentation.

Identity Theft and Cyber Law

Many consider the most common form of Identity Theft to be facilitated through the useof virtual networks. In many cases, virtual networks – akin to a large majority of electronic communicative devices – reside within the jurisdiction of Cyber Law; additional means of electronic identity theft can include information technology networks, telecommunications, and the Internet:

o Online Identity theft can result in the illegal attainment of stolen property and goods acquired through an online commercial marketplace; this is also known as E-Commerce (electronic commerce).

o Purchase orders can be placed by individuals in possession of unlawful personal and financial information, while the victim will discover charges incurred for products and goods delivered elsewhere; in order to reduce the risk of capture, individuals well-versed in Identity Theft will request that the goods be shipped to anonymous, remote locations.

o The attainment of passwords

Identity Theft and Immigration Law

The facilitation of Identity Theft as a means to unlawfully attain illegal – albeit official – documentation is not uncommon. In lieu of engaging in the legal procedure of the adjustment of individual immigration status, criminal operations have taken to the illegal attainment of personal information under the ownership of a victim in order to submit fraudulent documentation. As a result, official – and oftentimes governmental – documentation can be acquired in such deceptive means; in a majority of cases, the victims will be unaware as to document and form requests unlawfully conducted in their name:

o Through the use of stolen – or immigration documentation attained by illicit means – individuals can fraudulently assume the identity of others in order to claim immigration status, adjust employment status, and gain access to unlawful financial accounts

o Stolen – or fraudulently attained immigration documentation – can pose a security threat, as well; without reputable identification, tabs and records cannot be adequately kept with regard to individuals leaving and entering the United States

Identity Theft Explained: Understanding the Risks and Prevention Measures

Identity theft is a serious crime in which someone obtains personal information about an individual and uses it for fraudulent purposes. Identity theft can have severe consequences, including financial loss, damage to credit, and loss of reputation. This article will explore the definition of identity theft, its types, and prevention measures.

What is Identity Theft?

Identity theft is the act of obtaining personal information about an individual, such as their name, address, social security number, or financial information, without their consent. Once the information is obtained, the thief will use the information to make purchases, obtain credit or loans, or commit other fraudulent acts.

Types of Identity Theft

1. Financial Identity Theft: Financial identity theft occurs when a thief uses someone’s financial information, such as a credit card number, to make purchases or withdraw money from accounts.

2. Driver’s License Identity Theft: Driver’s license identity theft involves a thief using someone’s driver’s license or identification card to commit identity fraud by opening a bank account, leasing a car, or carrying out other activities.

3. Medical Identity Theft: Medical identity theft is when a thief uses someone’s healthcare information to receive medical treatments or services.

4. Criminal Identity Theft: Criminal identity theft involves a thief using someone’s identity when they commit a crime, leaving the victim with potential legal consequences.

Prevention Measures

1. Monitor Financial Accounts: Regularly reviewing bank and credit card statements can help identify any unauthorized transactions.

2. Protect Personal Information: Be cautious when sharing personal information and use secure passwords when creating accounts.

3. Shred Documents: Shred or destroy any documents that contain personal information such as bank statements, receipts, and credit card statements before throwing them away.

4. Use Anti-Virus Software: Anti-virus software can help prevent hackers from stealing personal information from your computer.

5. Check Credit Reports: Regularly checking credit reports can help identify any errors or unauthorized activity.

6. Beware of Scams: Be wary of unsolicited emails or phone calls requesting personal information and verify the legitimacy of any requests.


Identity theft is a serious crime that can have severe consequences for victims. Financial, driver’s license, medical, and criminal identity theft are the four main types of identity theft. Identity theft prevention measures include monitoring financial accounts, protecting personal information, shredding documents, using anti-virus software, checking credit reports, and being cautious of scams. By taking steps to protect personal information and being aware of the risks of identity theft, individuals can reduce the risk of falling victim to identity theft and its consequences.

Stolen Credit Card Laws

Stolen Credit Card Laws: Understanding Your Rights and Responsibilities

Credit cards have become an essential part of our daily financial transactions. While they offer convenience and ease of use, they also come with the risk of theft. When a credit card is stolen, it can compromise the security of your personal and financial information. In such instances, stolen credit card laws come into play to protect your interests.

In this article, we will take a closer look at stolen credit card laws, including how they work, what your legal rights are, and what you should do if your credit card is stolen.

What are Stolen Credit Card Laws?

Stolen credit card laws are designed to protect consumers from credit card theft, fraud, and other forms of financial abuse. These laws provide a framework for consumers to report and deal with stolen credit cards, as well as outlining the consequences for those who engage in credit card-related crimes.

Under these laws, credit card theft is considered a serious criminal offense, and those found guilty can face severe legal penalties, including fines, imprisonment, and restitution.

As a victim of credit card theft, you have several legal rights that protect you from the consequences of the crime. These rights include:

o The right to dispute fraudulent charges: If you identify unauthorized charges on your credit card statement, you have the right to dispute them with your credit card company. This process allows you to get the money back that was spent without your authorization.

o The right to liability protection: Credit card theft is the responsibility of the credit card issuer, not the cardholder. This means that you are not liable for any unauthorized charges made on your stolen credit card.

0 The right to report the theft: You have the right to report the theft to your credit card company and local law enforcement. This allows you to prevent further unauthorized activity on your account and helps law enforcement track down the thief.

What Should You Do if Your Credit Card is Stolen?

If your credit card is stolen, it’s essential to act quickly to minimize any potential damage. Here are some steps you should take:

o Contact your credit card issuer immediately: The sooner you report the theft, the greater the chances of stopping any unauthorized charges.

o Freeze your account: You can ask your credit card issuer to freeze your account, preventing any further charges until the theft is resolved.

o Monitor your credit card statements: Reviewing your credit card statements regularly can help you identify any unauthorized transactions.

o File a police report: Reporting the theft to law enforcement helps you build a case against the thief and can assist in recovering your stolen credit card.

o Keep records of all transactions and communications related to the theft: Keeping track of all communications with your credit card issuer, law enforcement, and other parties involved can help protect your interests and ensure that the case is resolved quickly and efficiently.

In Conclusion

Stolen credit card laws are essential for protecting consumers from financial abuse and helping them recover from credit card theft. As a cardholder, knowing your rights and responsibilities under these laws can help you navigate the complex process of dealing with stolen credit cards more effectively. By taking prompt and decisive action in the event of theft, you can protect yourself from further harm and secure your financial future.

Federal Trade Commission Explained

Federal Trade Commission Explained

Federal Trade Commission Explained: Protecting Consumers and Promoting Competition

The Federal Trade Commission (FTC) is an independent agency of the United States government charged with protecting consumers from unfair and deceptive practices, promoting competition in the marketplace, and enforcing antitrust laws. In this article, we will provide a brief overview of the FTC, including its history, functions, and role in consumer protection and competition promotion.

History of the Federal Trade Commission

The FTC was established in 1914, following the passage of the Federal Trade Commission Act. Its creation was in response to growing concerns about unfair business practices, including false advertising, monopolies, and price-fixing. The FTC’s original mandate was to prevent unfair methods of competition and unfair or deceptive acts or practices in commerce.

Over time, the FTC’s responsibilities have expanded to cover a wide range of consumer protection and competition issues, including privacy, data security, consumer fraud, and antitrust enforcement.

Functions of the Federal Trade Commission

The FTC has several key functions that help it fulfill its mandate to protect consumers and promote competition. These functions include:

1. Investigating and prosecuting unfair or deceptive business practices: The FTC has the authority to investigate and litigate against businesses that engage in practices that are unfair or deceptive to consumers, such as false advertising, pyramid schemes, and other forms of fraud.

2. Enforcing antitrust laws: The FTC works to prevent monopolies and anti-competitive practices that harm consumers and stifle innovation. It has the authority to investigate and challenge mergers and acquisitions that may result in reduced competition.

3. Promoting consumer education and protection: The FTC provides consumers with information and resources to help them avoid scams and protect their privacy. Its consumer education efforts include publications, workshops, and online resources.

4. Protecting consumer privacy and data security: The FTC monitors businesses and organizations to ensure they are protecting consumers’ personal information and data. It investigates and takes action against data breaches and other security incidents that put consumers’ personal information at risk.

5. Providing guidance to businesses: The FTC provides guidance to businesses on how to comply with consumer protection and antitrust laws. It also works with industry groups and other stakeholders to develop best practices and standards to promote competition and protect consumers.

Role of the Federal Trade Commission in Consumer Protection and Promoting Competition

The FTC plays a critical role in protecting consumers and promoting competition in the United States. Its activities help to ensure that businesses operate fairly and transparently, that consumers receive accurate information about products and services, and that competition is not stifled by anti-competitive practices.

The FTC’s consumer protection activities include investigating and prosecuting fraud, and providing consumers with resources and education to help them avoid scams and protect their privacy. Its competition promotion activities include enforcing antitrust laws, monitoring mergers and acquisitions, and promoting best practices and standards to encourage competition.

In Conclusion

The Federal Trade Commission is an essential agency for promoting consumer protection and competition in the United States. Its mission to prevent unfair and deceptive business practices, enforce antitrust laws, and educate consumers is critical for ensuring a fair and transparent marketplace. As consumers and citizens, it is essential to understand the role and functions of the FTC, as it plays a vital role in safeguarding our rights and interests.

What is the Federal Trade Commission?

The Federal Trade Commission is an independent government agency of the United States. Established in 1914 by the Federal Trade Commission Act, the Federal Trade Commission maintains its principal mission of promoting consumer protection and preventing harmfully anti-competitive business practices.

The Federal Trade Commission Act was instituted by President Woodrow Wilson, in large part, to dissuade the presence of trusts, which acted as major political concerns during the Progressive Era. During modern times, the Federal Trade Commission Act is responsible towards delegating the enforcement of additional business regulation statutes. Since the agency’s inception, the Federal Trade Commission has enforced numerous provisions of various legislations to monitor situations revolving around antitrust statutes and consumer protection law.

The Federal Trade Commission is led by five commissioners who are first nominated by the President of the United States and subsequently elected or confirmed by the United States Senate. Under the Federal Trade Commission Act, regulations were instituted to ban uniform party representation of the elected commissioners; no more than three Commissioners may be of the same political party. A commissioner’s term in the agency lasts seven years and the terms are staggered so that in a given year only one Commissioner’s term will expire.

The Bureau of Consumer Protection: The Bureau of Consumer Protection’s primary responsibility is to protect consumers against deceptive or fraudulent acts in commerce. With written consent of the Federal Trade Commission, the Bureau of Consumer protection, through their legal professionals, enforce federal laws related to consumer affairs in addition to the rules promulgated by the Federal Trade Commission.

The functions of the Bureau of Consumer Protection regulates commerce and promotes fair business practices by conducting investigations, enforcing various actions, and providing consumer and business education to the fundamental players of commerce.

The Bureau of Consumer Protection will supply the various methods and functions to the following areas or concerns: financial products and practices, advertising and marketing, privacy and identity protection, telemarketing fraud, etc. Under the Federal Trade Commission Act, the confirmed Commissioner possesses the authority to bring actions in federal court through its own legal professionals. In matters of consumer protection, the Federal Trade Commission supports the United States Department of Justice.

The Bureau of Competition: The Bureau of Competition is the primary division of the Federal Trade Commission responsible for preventing and eliminating “anticompetitive” business practices. The Bureau of Competition achieves this through the enforcement of various antitrust laws, the investigation practices into non-merger business practices that may impede competition, and through conducting a review of proposed mergers.

Practice or non-merger situations that may be impeding competition include any merger, which involves agreements between direct competitors (horizontal restraints) and vertical restraints where agreements among businesses at various levels in the same industry are accomplished (agreements made between suppliers and commercial buyers).

Bureau of Economics: The Bureau of Economics was created to support the Bureau of Competition and Consumer Protection by providing knowledge and resources related to the economic impacts of the Federal Trade Commission’s operation and legislation.

Activities of the Federal Trade Commission

The Federal Trade Commission accomplishes its mission statement by conducting investigations that are brought to light by reports from businesses and consumers, congressional inquiries, reports in the media, and pre-merger notification filings. The investigations conducted by the FTC may pertain to an entire industry or a single company.

The primary issues that the FTC targets include, false advertising, other forms of fraud and deceptive practices that seek to take advantage of the consumer. The court system of the United States has identified three primary factors that must be considered in consumer unfairness cases: the practice either injures the consumer, violates an established public policy, and the act or transaction is unscrupulous and unethical at its core.

Understanding Forgery and Its Legal Implications

Understanding Forgery and Its Legal Implications

Understanding Forgery and Its Legal Implications: A Primer

Forgery is a serious crime that involves the intentional fabrication or alteration of a document with the intent to deceive. It can take many forms, from forging signatures on checks to creating fake identification documents. In this article, we will provide an overview of forgery, including what it is, how it works, and its legal implications.

What is Forgery?

Forgery is the act of illegally creating or altering a document with the intent to deceive. Forgery can take many forms, including:

1. Counterfeiting currency or checks: This involves creating fake money or checks that appear to be real.

2. Creating fake identification documents: This involves creating fake identification cards, passports, or other documents for the purpose of obtaining goods or services.

3. Altering documents: This involves changing or modifying existing documents, such as a will or title, to gain an advantage or deceive someone.

How Does Forgery Work?

Often, forgery involves creating a document that appears authentic using advanced technology. Scanners, computers, and printers can be used to create a counterfeit document that looks like the real thing. When forging a signature, the forger may practice the signature until it appears identical to the actual one.

Forgery can also involve removing a signature or part of a document to replace it with a forged signature. In some cases, forgers may use chemicals to remove ink or signature and try to replace with their own.

Legal Implications of Forgery

Forgery is a serious crime that can result in severe legal penalties, including imprisonment, fines, and restitution for damages. Depending on the severity of the forgery, the penalties can vary. For example, forging a check worth a few hundred dollars will have less severe punishment than forging a document related to millions of dollars.

Forgery is a felony offense that is prosecuted by state and federal authorities. If you are accused of forgery, seeking legal representation is crucial to build a defense strategy.

If someone is found guilty of forgery, they may be sentenced to time in jail or payment of a fine, be required to make restitution to the victim, and will have a permanent criminal record.

In addition to facing criminal charges, forgers may also face civil lawsuits. For example, someone who has had their signature forged may sue the forger for damages. The damages can include punitive damages (punishment to the offender) and restorative damages (to compensate or make the situation right for the victim).

In Conclusion

Forgery is a serious crime that violates the trust in legal systems and the victim who falls prey to these illegal activities. There are severe legal implications involved in forgery that can ruin the lives of both perpetrators and their victims. If you are facing charges of forgery or are a victim of forgery, seeking the help of a professional legal representative can be of great help in making sure that justice is served.

What is Forgery?

Forgery is a criminal act which is deliberate and intentional in nature. An act of forgery includes the purposeful defrauding, misleading, deception, and misrepresentation of a product, service, or item. Forgery can take place in a variety of settings, including the forged – and illegal – reproduction of items ranging from clothing to official documentation

Forgery and its Legal Implications

Forgery charges can encompass the following specialties within a legal forum; depending on the nature of both the crime, as well as the victims involved.

Administrative Law & Government Programs: Laws, acts, ordinances, and legislation are investigated with regard to any and all interaction(s) in which the Federal Government of the United States engages with its citizens. Within the scope of Administrative Law and Forgery, charges may include the counterfeiting of money or currency, the unlawful duplication of documentation, or illegal officiating of government-mandated exchanges

Employment Law: This scope of law focuses on the legislation, ethics, and adherence to legal decorum that takes place within a place of employment.

Cyber Law: A scope of law that focuses on legislation, legality, and ethics with regard to computer networks, the internet, electronic commerce (E-Commerce), the online marketplace, and virtual – commercial – activity. With advancements in computer technologies, online forgery has become quite common. Forgeries committed online include the illegal and unlawful reproduction of endorsements in the form of electronic signatures, online identity theft, and the online sale of illegally-reproduced merchandise

Finance Law: A legal specialty that deals with legislation applicable to the activity, exchange, and the circulation of monies or currency. Forgery can occur in a variety of fashions, including forged financial statements, forged investment activity reports, and counterfeit

Commercial/Business Law: The scope of law that addresses any and all business activities, commercial endeavor, or professional operation of the provision of products or services. In the event of a Forgery charge, applicable legality with be investigated with regard to the illegal and unlawful reproduction of copyrighted or patented items

Privacy Law: A legal specialty that focuses on the legality surrounding the personal privacy, space, and domain entitled to every citizen of the United States; privacy can be considered as being breached in the event of a forged signature or the unlawful use of personal records, documentation, and data belonging to another individual

Arrest Process for Forgery

Individuals charged with forgery charge, or have already been arrested by law enforcement agents must cooperate with the arresting officers regardless of personal belief with regard to the charges. Those under arrest will be given the opportunity to consult with legal specialists subsequent to the arrest process.

Reporting a Forgery Offense

In the event that an individual has been made aware of an ongoing Forgery are encouraged to contact their local authorities or law enforcement department in order to report the details of the offense. In the event that an individual wishes to do so in an anonymous fashion, they have the opportunity to contact the appropriate government department, such as the National Crime Prevention Council through their telephone number: (202) 466-6272.

Identity Theft Insurance Overview

Identity Theft Insurance Overview

What is Identity Theft Insurance?

Identity theft insurance is a relatively new policy that focuses on helping a victim recover the financial losses or compromised information resulting from an identity theft situation.

Identity theft insurance is offered by identity protection resources or companies, such as Lifelock to expedite and insure the recovery process. Typically, identity theft insurance is combined with other identity theft resources, such as credit monitoring. Identity theft insurance is designed to relieve and subsequently resolve residual charges or various debts that occurred as a result of the identity theft.

Similar to a basic insurance policy, an individual must satisfy a premium for the obtainment of identity theft insurance. Additionally, identity theft insurance will be attached with specialized coverage options that will provide specific insurance and forms of relief to protect against the various forms of identity theft and the information or assets tied into the theft. For example, some identity theft insurance policies will pay out a claim if the information or funds stolen were committed by a relative, while other agencies or policy providers will not.

The majority of credit card companies will offer an individual a form of identity theft insurance. These policies will vary based on the amount of coverage offered and the stipulations for what defines an act of identity theft. Regardless of the policy; however, it is strong recommended that all users of credit cards understand their insurance options and review the stipulations which mandate the regulations surrounding the policy. You can also contact an identity theft lawyer consult your case.

The basic identity theft insurance policy will provide direct loss protection for the theft of credit cards, debit cards and all other mechanisms for transaction. Additionally, some identity theft insurance policies will protect against losses or fraudulent maneuvers taken-out on safety-deposit boxes.

Identity theft insurance, when purchased, will provide protection for those who are damaged from the illegal action. That being said, the types of coverage and the specifics that go into each policy will vary based on company. As a result of this variance, it is essential to review the policy (the premium attached, the type of coverage offered, and the specific types of assets or information that is covered) before purchasing an identity theft insurance policy.

Identity Theft Insurance Overview: What is it and How Does it Work?

Identity theft is a significant concern for consumers, as the risk of identity theft is continuously increasing. Victims of Identity theft face the daunting task of restoring their identities which can be time-consuming and expensive. Identity theft insurance is available to offer financial protection to the consumers and help them recover from the consequences of identity theft. In this article, we will provide an overview of identity theft insurance, including what it is, how it works, and its benefits.

What is Identity Theft Insurance?

Identity theft insurance is an insurance policy that provides financial assistance for the restoration of your identity after an identity theft has occurred. It covers losses resulting from identity theft, including costs such as legal fees, lost wages, and other expenses incurred in the process of recovery. Not all identity theft insurance plans are equal, and it is essential to conduct thorough research to ensure that the policy covers all the potential scenarios in case of identity theft.

How does Identity Theft Insurance work?

Identity theft insurance works by providing financial protection to recover damages caused by identity theft. Depending on the plan’s coverage, it can protect victims against different types of identity theft, such as medical identity theft, tax identity theft, or social security identity theft.

If you find that you are a victim of identity theft, you need to follow specific steps as per your insurances guidelines to initiate the claim process. These steps may include contacting your insurance provider, filing a police report, and providing documentation to prove the identity theft. The insurance company will then review the claim and determine the amount of coverage available.

It is essential to keep in mind that Identity theft insurance may not cover all the damages caused by the theft. For example, it may not cover the financial losses that occur due to fraudulent bank transactions.

Benefits of Identity Theft Insurance

Identity theft insurance provides a range of benefits to consumers, such as:

1. Financial Assistance: Identity theft can be incredibly costly, and identity theft insurance can provide financial assistance to restore your identity which may include professional counselling and legal services.

2. Fraudulent charges coverage: In case of fraudulent activity in your bank account, the identity theft insurance policy will cover certain charges and possibly protect the identity policy owner from paying for any charges not authorized by them.

3. Assistance in restoring your credit score: It is challenging to restore your credit score after falling victim to an identity theft, and identity theft insurance may provide credit-monitoring services to help you restore the scores.

4. Legal Assistance: Professionals can assist in the recovery process, such as lawyers and credit analysts, as well as advocate with credit bureaus and lenders to help restore your identity.


Identity theft insurance is a crucial tool for protecting consumers’ finances and credit from the severe effects of identity theft. However, it is important to understand that the insurance cannot prevent identity theft, it can only help you recover from it. Therefore, it is crucial that you always follow best practices of maintaining your privacy and take precautions to avoid identity theft. With its potential benefits, it is worth investing in identity theft insurance policies to have financial protection after the unfortunate event of identity theft.

Identity Theft Protection At A Glance

Identity Theft Protection At A Glance

Identity Theft Protection At A Glance: Understanding and Protecting Yourself

Identity theft is a major threat to anyone with a digital presence. It is a crime in which an individual uses personal information about someone without their permission to commit fraud and other illegal activities. The consequences of identity theft can be severe, including financial losses and damage to reputation. In this article, we will provide an overview of identity theft protection, including what it is, how it works, and how to protect yourself.

What is Identity Theft Protection?

Identity theft protection helps individuals protect their personal information from being stolen and used without their consent. It includes preventing and detecting identity theft, monitoring credit reports, and seeking assistance to restore one’s identity if victimized. It can also provide fraud alerts or notifications when there is something suspicious about an individual’s account activity.

How Does Identity Theft Protection Work?

Identity theft protection works by monitoring individuals’ information and comparing it with known data breaches or potential identity theft activity. It can include services such as credit monitoring, identity monitoring, and dark web scanning. These services alert individuals to any suspicious activity and give them actionable information to help protect their identity and prevent potential fraud.

Credit monitoring involves regular checks to individual credit reports for any new accounts, loans, or credit inquiries that a person may not have authorized. Identity monitoring tracks non-credit-based activities that use a person’s personal identifying information. This monitoring includes public records, social media accounts, and other sources.

Dark web scanning helps in monitoring the dark web, where the buying and selling of stolen identification and data occur. By monitoring the dark web, identity theft protection services can identify and alert individuals to stolen or compromised information.

How to Protect Yourself from Identity Theft

There are several best practices you can follow to protect yourself from identity theft, including:

1. Keeping your personal information private: Be cautious with who you share your personal information with, don’t disclose beyond necessary.

2. Protect your digital information: Create complex passwords and change them regularly. Enable two-factor authentication for all accounts.

3. Avoid clicking on suspicious links or pop-ups: These can introduce malware into your device or steal your personal information.

4. Regularly check your credit report: This can help you detect any potential fraudulent activities.

5. Be cautious with public Wi-Fi: Public Wi-Fi networks are open and unsecured which makes them an easy target for hackers to steal your information.


Identity theft protection is an essential part of digital living, and it’s important to understand how to protect yourself in the digital world. By understanding what identity theft protection is and how it works, you can be better equipped to protect yourself from the potential risks of fraudulent activity. By following best practices to safeguard your identity, you can greatly reduce the risks of identity theft and protect your personal information.

What is Identity Theft?

As more consumer purchases are made online with the advancements of computer technology, identity theft has unfortunately become an everyday occurrence. It is estimated that nearly $50 billion dollars were fraudulently usurped through identity theft practices, with the average victim losing $6,000.

As defined by the Federal Trade Commission, Identity Theft occurs when a person uses another person’s personal and financial information, such as their name, address, bank account information or Social Security number. An estimated 9 million American’s are victims of identity theft annually.

Identity thieves access the aforementioned information by taking part in numerous fraudulent activities such as phishing, pretexting and skimming. Other more simplistic means to steal someone’s identity include obtaining personal information from the garbage or the outright theft of information.

Identity Protection

Identity protection includes any action that actively protects your identity. As technology advances, there are more avenues an identity thief can take advantage of. That being said, as technology continues to evolve, there are also more ways to protect such unfortunate situations from occurring. Although the largest portion of identity theft occurs electronically, there is still an enormous amount of identity theft that occurs through other means.

The simplest and arguably most effective way to protect your identity is to destroy all documents that hold your personal information; credit card offers, bank statements, bank letters, and all documents that store your personal or financial information should be shredded before they are thrown out. The Internal Revenue Service suggests that all individuals should store their financial information from the past seven years in a secure area; anything past this point should be shredded.

Since the advent of the Internet, personal and financial information has become more accessible to identity thieves and other parties looking to expose the information. All computers connected to the Internet maintain a level of susceptibility of being hacked.

The installment of firewalls, antivirus and anti-spyware software are necessary to protect your computer from such vulnerabilities. Furthermore, when you purchase items online, be sure that you are doing so from a reputable site or one that is secured through the installment of anti-piracy software.

In addition to firewalls, a user can take advantage of identity theft protection companies, such as Lifelock. These companies offer a consumer or business with numerous resources to protect their information from falling into the hands of identity thieves. These companies will monitor your credit scores and financial information to ensure that no scams or thievery have taken place.

Additionally, identity theft protection companies will exhaustively monitor your personal information and review all transactions, credit card applications and address changes to ensure that fraudulent maneuvers are not affirmed. Subsequently, if fraudulent actions were indeed committed against your account, identity theft protection services, such as Lifelock, will quickly respond to the illegal actions and will dedicate an exorbitant amount of time and money to hire experts, investigators, lawyers and consultants to facilitate the recovery of funds or information.

5 Topics to Know About Identity Theft Statistics

5 Topics to Know About Identity Theft Statistics

5 Topics to Know About Identity Theft Statistics: Understanding the Risks and Impact

Identity theft has become an increasingly prevalent problem in recent years. It involves stealing a person’s personal information to commit fraud or other illegal activities. It can damage a person’s financial stability, credit score, and reputation. Here are five topics to know about identity theft statistics, including the risks, impact, and frequency of incidents.

1. The Frequency of Identity Theft

According to the Identity Theft Resource Center, there were over 1,300 data breaches in 2020 that exposed 307 million records. Tens of millions of Americans each year find out that they have been subjected to identity theft. In the age of digital platforms, the risk of identity theft is at an all-time high, and its frequency continues to increase.

2. The Economic Impact of Identity Theft

The impact of identity theft can be significant for individuals and the economy. In 2019, according to the Federal Trade Commission, the total cost of identity theft was over $1.9 billion. The impact includes lost wages, legal fees, and other associated costs. Additionally, multiple hours of work are lost when trying to rectify the situation, sometimes taking over 200 hours to recover from the theft adequately.

3. Types of Identity Theft

Identity theft can take many forms. It includes credit card fraud, tax identity theft, medical identity theft, and social security fraud, as well as account takeover. Account takeover is when a criminal accesses an existing account of a person to make transactions or fraudulent purchases without the victim’s knowledge.

4. The Demographics of Identity Theft Victims

Identity theft can happen to anyone, but certain demographics are more vulnerable than others. According to a 2020 study by Javelin Strategy and Research, seniors were most likely to be targeted by identity thieves. Additionally, households making over $75,000 per year are 28% more likely to experience identity theft than those with lower incomes.

5. Preventive Measures and Solutions

There are several preventive measures individuals can take to protect themselves from identity theft. One of the best ways is to regularly monitor banking statements and credit reports. It is also important to be cautious with any suspicious emails or texts that ask for personal information. Another solution is to sign up for identity theft protection services that can monitor for fraud and alert users of potential issues.


Identity theft is a growing concern in today’s digital world, and understanding its risks, impact, and frequency is crucial. Being cautious with personal information and signing up for identity theft protection solutions can help prevent or mitigate the damages of identity theft. Studies have shown seniors and higher-income households to be more vulnerable to identity theft, and prevention measures are necessary to ensure their safety. As cybercriminals come up with creative tactics for stealing identity, it’s crucial to monitor one’s personal information consistently to identify and address any breaches on time.

What should I Know about Identity Theft?

o Identity theft is a form of cheating or fraud of another person’s identity where someone pretends to be someone else by usurping that person’s identity. When someone else’s form of identity is stolen, the fraudulent party then assumes access to the victim’s resources, benefits, and financial information. As a result, the victim of identity theft will suffer adverse consequences as they are responsible for holding accountability of the perpetrator’s actions.

When you realize your identity has been stolen contact an identity theft lawyer to acquire legal advice and assistance.

o There are numerous forms of identity theft, but in all cases, the victimized party is exposed to the actions of the aggressor’s illegal obtainment of the individual’s financial and personal information.

Identity Theft Statistics

o In the United States, as many as 12 million Americans are victims of identity theft per year.

o 40-50% of identity theft victims are made aware of identity theft within 3 months of the illegal action. 10-20% of the victims; however, take 4 years or longer to discover the illegal infiltration of their personal and financial information.

o Victims of identity theft spend from 3 to 5,840 hours repairing damages realized through identity theft. This wide range is due to the varying levels of severity present in the crime—a lost credit card, for example, will require less time repairing than a compromised social security number. The total average of time spent repairing the damages realized through identity theft is approximately 330 hours.

o 26-32% of victims will spend a period of 4 to 6 months dealing with their particular case, while 11-23% of victims will take over 7 months to repair and resolve the consequences of their particular case.

o Nearly $250 billion a year is lost by businesses who are victims of identity theft. On average, a victim of identity theft will lose between $2,000 and $14,000; victims will subsequently spend an average of $851 to $1,400 in expenses related to their case.

Aftereffects of Identity Theft

o 50% of identity theft victims experience trouble getting loans or credit cards as a result of identity theft.

o 20% of victims will experience higher credit card rates, while 16% of identity theft victims have higher insurances rates because of the theft.

o 72% of identity theft victims will have trouble resolving or terminating the negative information left on their credit reports or other information left on their personal records.

What Information is used by the Fraudulent Party?

o Nearly one third of identity theft cases revolve around checking account fraud.

o 2/3 of victim’s personal information is used to open new checking or credit accounts.

o 30% of victim’s personal information is used to purchase a cell phone service.

o 12% of identity theft victims end up having warrants issued in their name for financial crimes committed by the identity thief.

Steps taken to Prevent Identity Theft

As technology continues to improve, numerous companies (such as LifeLock) continue to develop cutting-edge techniques and programs to offer identity protection means to the average consumer or business. Various security requirements, encryptions and anti-piracy software produced by such companies as LifeLock are used to secure personal and banking information and impede identity thieves from conducting fraudulent activity. 

Wire Fraud Defined

Wire Fraud Defined

What is Wire Fraud?

Wire Fraud refers to a type of crime that is committed through the use of technologically-based communication system, including: telephones, computational systems, online networks, the Internet, or electronic databases.

The term ‘Wire Fraud’ originated from the term ‘wiring’ which is innate in modern technological devices. Due to the advancements in computer technology and the increased presence of information and financial data to exist in an intangible format, the potential of Wire Fraud has increased greatly.

Those who commit wire fraud typically do so by “hacking” into an individual’s personal computer or a network of computers. Regardless of the medium, those who participate in wire fraud typically usurp personal and financial information to commit subsequent forms of fraud. The exchange of such information on a technological device is susceptible to such illegal actions; when personal or financial information is breached it can be rapidly used to purchase items, open up new accounts, or commit identity theft.

To prevent wire fraud from taking place, an individual must understand and review the implications that enshroud online transactions. When purchasing a product online for instance, a consumer must be sure that the portal used to purchase the goods is a secured site and does not allow third parties to access the personal or financial information offered. Additionally, an individual should also download or purchase various security programs, such as firewalls, to prevent a hacker or third party from acquiring personal information.

Wire Fraud vs. Fraud 

Fraud encompasses any criminal act in which the intention of purposefully defrauding, deceiving or the misrepresentation of a product or service has taken place. That being said, Wire Fraud allows for anonymity of those who participate in the illegal action, regardless of the mechanism used or the medium where the fraud takes place.

The Nature of Wire Fraud

The following crimes are commonly classified as Wire Fraud:

Solicitation: Solicitation is classified as the intended recruitment of either knowing or unknowing participation in a criminal act

Identity Theft: The criminal act involving the illegal and unlawful acquiring of personal information belonging to another individual with the intent to commit a criminal act

Cyber Crime: A criminal genre in which crime is committed through the usage of computers, the Internet, or virtual networks; this can include – but is not limited to hacking, phishing, SPAM, email fraud, and online stalking

Reporting a Wire Fraud Offense

In the event that an individual has been made aware of an ongoing Wire Fraud, or has been party to a Wire Fraud that has occurred in the past, they are encouraged to contact their local authorities or law enforcement department in order to report the details of the offense. In the event that an individual wishes to do so in an anonymous fashion, they have to opportunity to contact the appropriate government department, such as the National Crime Prevention Council through their telephone number: (202) 466-6272.

Wire Fraud Defined: Exploring What it is and How to Stay Safe

Wire fraud has become a significant concern in today’s digital economy. This type of fraud occurs when a person uses electronic communication to trick someone into transferring money to a fraudulent account. It’s a lucrative way for scammers to profit from unsuspecting victims. In this article, we will define wire fraud, discuss the various types of wire fraud, and explore how to stay safe from wire fraud.

What is Wire Fraud?

Wire fraud is a form of financial fraud that occurs over electronic communication platforms, such as email or social media. The fraudster communicates with the victim, portraying themselves as a legitimate entity, to obtain confidential information, such as bank account details, which enables them to steal money through transfers.

Types of Wire Fraud

1. Business Email Compromise (BEC): This type of wire fraud targets businesses. Scammers typically impersonate executives, requesting the recipient to transfer funds to the wrong bank accounts.

2. Online Purchase Fraud: This scam targets individuals who make online purchases. The scammers deceive individuals into paying for goods or services that are never delivered.

3. Romance Scams: The scammers develop an online relationship with their victims before requesting for the money. Romance scams usually go unreported because often, the victims are embarrassed to admit to their family and friends.

4. Lottery Scams: This type of scam is designed to trick victims into believing they have won a significant sum of money and that they need to transfer a small amount of money as a processing fee.

How to Stay Safe from Wire Fraud

1. Verify the authenticity of the communication: Be skeptical when something seems too good to be true. Take a moment to fact-check the sender’s identity and communication details to check that they are legitimate and not fraudulent.

2. Keep personal information confidential: Regularly monitor credit reports to detect suspicious activity and avoid sharing sensitive information, such as passwords and account details.

3. Use two-factor authentication: This adds an additional layer of security when transferring money, particularly for high-value transactions.

4. Be cautious with public Wi-Fi: Public Wi-Fi networks are unsecured and therefore, make it easier for scammers to intercept and steal information. Avoid performing any financial transactions on public Wi-Fi networks.

5. Use Secure Payment Systems: When making online purchases, ensure that the payment system is secure. Avoid paying with money transfer services that cannot be tracked.


Wire fraud is a growing concern in the digital age and can target both businesses and individuals. Understanding the risks and different types of wire fraud is crucial to avoid falling victim to this scam. Always remember to verify the authenticity of any communication, keep personal information confidential and use secure payment systems when making online purchases. Finally, stay vigilant and suspicious of any request to transfer money and if you suspect any suspicious activity, report the incident immediately.

All You Need to Know About Network Security

All You Need to Know About Network Security

What is Network Security?

Network security is a virtual preventative measure undertaken in order to protect the content of digital databases, computer systems, and electronic networks responsible for housing information and facilitating electronic activity.

The implementation of Network security measures including secured websites, required password authentication, heightened profile-based security measures, telephone or email-based confirmation methods with regard to online purchases, the investigation of purchases or activities that do not follow specific – and individual – trends of behavior, and contractual compensatory means and financial restitution sponsored by the commercial operation in question.

Upon undertaking such communicative measures, the prospect of identity theft may be minimized through increased safety measures, digital transaction analysis, and procedures featuring financial investigation.

Electronic Threats Prevented by Network Security

Computer Virus

A computer virus is a digital program that intrudes into a specific entity and subsequently reproduces itself and causes damage and harm to the contents of that computer; as a result, computer viruses can be created with the intent to cause harm and/or damage with regard to electronic networks and digital databases. Network Security measures may be undertaken in order to prevent programs of this nature from entering respective computer terminals and online networks.


Within a virtual setting, hacking is the illegal, unlawful entry into the computer terminal or digital record database in the possession of another individual; typically, this potential breach of network security takes place with malicious intent, resulting in the theft of information or damage to software. The fraudulent act of illegally assuming the identity of another human being without their consent with the intent of committing fraud, theft, or unlawful purchase may occur subsequent the information – both personal or financial – obtained through unlawful means.


Spyware is illegal and illicit software implanted within the personal computer terminals or networking systems belonging to individuals typically unaware of its presence. Once inside of a computer system absent of sufficient network security, the perpetrator of this crime may be allowed unlawful access of unauthorized, private, restricted, privileged, and personal data.

Preventative Measures of Network Security

Companies providing methods of Identity theft prevention have employed protective measures ranging from securing online perimeters to communicative transmission inquiring about the validity of unsubstantiated activity; these types of companies have found their respective niche within the prevention of identity fraud upon providing protection in lieu of infringing on personal privacy.


A firewall is an electronic security measure that can be found in a large majority of computer terminals and electronic networks with the regard to the proliferation of the prevention of crimes taking place on a virtual level. Due to the constant exchange of digital information with regard to virtual connections implemented by the Internet – in addition to a host of other electronic communicative means, the potential of illicit infiltration of harmful and damaging software is heightened.

The institution of a network security tool such as a firewall allows for the analysis of digital information being transmitted into the perimeter of individual – or network – computer terminals. Upon analysis, the firewall will alert the user with regard to any potential threats existing.

Virus Protection

Virus Protection is a type of software that is designed in order to protect a computer terminal – or computational networking system – from the destruction that can be caused by a computer virus; Virus Protection can take place in a variety of methods.

Virus Protection can deter the entry of viruses into computer systems by creating a filter that disallows the entry of foreign or unrecognized programs; in the event that a program that is otherwise unfamiliar to the Virus Protection program wishes to gain access to a computer’s framework, the Virus Protection program will prompt the user with the option to allow a specific program entry – upon this prompt, a Virus Protection program will typically explain the innate risks of a virus upon access to a computer or network.

Virus Protection programs can also perform routine searches spanning the entirety of the contents located within an individual computer terminal, which are targeted to identify and expel any software perceived to be harmful to the inner-workings of that computer terminal.

All You Need to Know About Network Security: Keeping Your Data Safe

In today’s interconnected world, network security is vital to protect data and systems from cyber-attacks. Network security refers to the protection of computer networks from unauthorized access, theft, and damage. In this article, we will explore what network security is, why it’s important, and give tips on how to improve network security.

What is Network Security?

Network security is a set of measures designed to protect computer networks from unauthorized access, misuse, and theft. Network security includes hardware, software, and policies that work together to prevent unauthorized access to a network and ensure its privacy, integrity, and availability.

Why is Network Security Important?

Network security is essential today due to the immense amount of valuable information that is stored on computer networks. A security breach can cause significant financial loss, loss of data, damage to brand reputation, and it can also lead to legal consequences.

Types of Network Security

1. Access Control: Access control is the technique used to restrict access to the network and protect it from unauthorized access. This includes the use of passwords, login credentials, and biometric controls like a fingerprint scanner.

2. Firewall: A firewall is the virtual barrier that protects the network from unauthorized traffic or access, created by monitoring and blocking incoming traffic.

3. Anti-Virus Software: Anti-Virus software is responsible for detecting and removing viruses and malware in the network environment.

4. Data Backup and Recovery: Backup and recovery systems ensure that data remains secure and enables restoration after a security breach.

How to Improve Network Security

1. Keep Cybersecurity Awareness: Employees who are aware of cybersecurity threats are a vital part of a secure network. Train staff on cybersecurity best practices and raise awareness to safeguard the network against potential threats.

2. Implement Access Control: Implementing access control at various levels of the network, such as on routers, switches, and software applications, helps protect against unauthorized access.

3. Use Strong Passwords: Strong passwords and two-factor authentication methods reduce the risk of unauthorized entry into the network.

4. Keep Software Up-to-date: Keeping all software up-to-date and patched helps to prevent security attacks to vulnerabilities within the software.

5. Regularly Back Up Data: Regular backups protect against data loss and allow for efficient restoration of data and audit-logging capabilities.


In today’s era of digital computing, network security is vital to safeguard businesses and their data from unauthorized access, theft, and damage. Network security comprises various strategies and techniques to protect computer networks from cyber-threats. It means having access control, firewalls, anti-virus software, and data back and recovery systems in place. Regularly practicing cybersecurity awareness, using strong passwords, keeping software up-to-date, and regularly backing up data are vital practices to strengthen network security. By prioritizing network security measures, businesses can ensure that their data remains confidential, intact, and available to them at all times.

Importance of Cyber Security

Importance of Cyber Security

What is Cyber Law?

Cyber Law is a legal field that consists of a variety of legal specialties that may be instituted in the event of the regulation and authorization of events taking place within a virtual setting. Due to the fact that Cyber Law is considered to be one of the most recently-developed legislative specialties, legal parameters and protocols within technological legality involves a vast array of online activity. Cyber Law is a legal field consisting of a multitude of corollary avenues and jurisdictions, including the legal, ethical, and lawful use of computer systems and online networks.

Jurisdictions of Cyber Law

Cyber Law may typically maintain its jurisdiction with regard to any or all activity that takes place within the setting of a virtual, electronic realm; electronic criminal activity facilitated through the usage of electronic network, technologically-based communication systems, as well as the regulation of electronic correspondence:

Identity Theft

Identity Theft is the criminal act of illegally and deceptively assuming the identity of another individual without the expressed consent with the intent of committing a crime; fraudulent and illicit attainment of personal information through the usage of unsecured websites can be prosecuted through Cyber Law. Through the use of stolen documentation attained upon illicit means of electronic acquisition – individuals can fraudulently assume the identity of others in order to engage in fraudulent purchases and illicit economic gain.

Illegal Information Capturing Technology

Within the scope of Cyber Law, a computer virus is a program created to infiltrate a computer terminal belonging to another individual with the intent to cause damage, harm, and destruction of virtual property. In certain cases, Spyware – defined as computer programs facilitating the unlawful collection of data – may allow individuals to access to the personal and private information belonging to victims of these crimes.

Phishing is a criminal act of fraud involves the illegal and unlawful attempt of to attain restricted, unauthorized, and privileged information through means of fraudulent, deceptive communicative requests. Due to the expansiveness of technological discovery in tandem with the ability for information and data to exist in an intangible format, the potential for identity theft has increased greatly within the legal setting of cyber law.

How to Prevent Electronic Identity Theft

Due to technological innovation, electronic identity theft is considered by many to be one of the most recently-developed crimes, credited – in part – to the ongoing advent of computer-based technology. This type of technology relies heavily on the Internet and online activity, and as a result, regulations and oversight of this type of activity has been expressed in the spectrum of preventative measures involving the cessation of electronic identity theft.

Companies providing methods of Identity theft prevention – including Lifelock, which is one of the most widely-acclaimed and recognized – have employed protective measures ranging from securing online perimeters to communicative transmission inquiring about the validity of unsubstantiated activity; these types of companies have found their respective niche within the prevention of identity fraud upon providing protection in lieu of infringing on personal privacy.

Importance of Cyber Security: Protecting Digital Assets

In today’s digital age, cybersecurity has become an essential component of maintaining a safe and secure information system. Cybersecurity refers to protecting digital systems, networks, and devices from unauthorized access, theft, and damage. In this article, we will explore the importance of cybersecurity and understand how it helps businesses and individuals to keep their digital assets secure.

The Threat of Cyber Attacks

1. Data Loss: A security breach can result in data loss, leading to financial loss and damage to brand reputation.

2. Ransomware: Hackers use ransomware to encrypt data and demand payment from corporations or individuals in exchange for the decryption key, effectively holding their digital assets for ransom.

3. Identity Theft: Cybercriminals can steal personal information, banking information, credit card details, and other valuable data that can be used for identity theft.

4. Cyber Espionage: Nation-states or other malicious actors can engage in cyber-espionage to access and steal confidential data from businesses or governments.

The Importance of Cybersecurity

1. Protection of Confidential Data: Companies hold and process a vast amount of sensitive data, such as customer and employee information and trade secrets. Implementing cybersecurity measures helps to protect this data, reducing the risk of unauthorized access and loss of data.

2. Safeguarding Financial Transactions: Cybersecurity helps prevent fraudulent activities, such as unauthorized transactions or compromised banking credentials, which can lead to catastrophic financial consequences for businesses and individuals.

3. Compliance with Regulations: Numerous regulations and laws mandate the protection of digital data, including the General Data Protection Regulation (GDPR) and the Data Protection Act (DPA). Cybersecurity measures will also help businesses to comply with these regulations.

4. Protection of Reputation: Companies that fail to protect themselves from cyber threats risk losing reputation and damage their brand. An organization with a history of cybersecurity breaches is less likely to be trusted by customers, shareholders, investors and partners.

How to Improve Cybersecurity

1. Invest in Cybersecurity: Companies should invest in cybersecurity awareness and resources to prevent cyberattacks before they occur.

2. Employee Training and Awareness: Organizations should ensure employees understand cybersecurity risks and provide training for them to recognize, report, and avoid falling victim to cyber attacks.

3. Use Strong Passwords: Using strong passwords and two-factors authentication methods reduces the risks of unauthorized access to digital assets.

4. Software Updates and Patches: Keeping software updates and patches up-to-date is critical to prevent security attacks and secure against newly discovered vulnerabilities.

5. Regular Backups: Regular backups ensure data security and enable quick restoration of data in the event of a security breach.


Cybersecurity is not only essential for businesses but also for individuals to protect their digital assets. A cyber attack can result in data loss, financial loss, and damage to reputation. Implementing cybersecurity measures helps protect against cyber threats and safeguard digital systems and data. Investing in cybersecurity awareness, employee training, strong passwords, regular backups, software updates, and patches are some of the essential steps you can take to strengthen cybersecurity. Strong security encourages trust and grows confidence in the digital world, ensuring individuals, businesses, and governments thrive in a digitally enabled world.