Consumer Lawyer

Standard homeowners insurance does not cover financial losses from identity theft. However, most insurers offer affordable identity-theft endorsements—also called fraud expense riders—that reimburse certain recovery-related costs like legal fees, lost wages, and credit monitoring. These endorsements generally exclude reimbursement for stolen funds, which must be pursued through banks or standalone identity protection services. Why It…

Yes, in most cases. Under federal law and in most U.S. states, identity theft is classified as a felony, especially when it involves significant financial loss, multiple victims, or aggravating factors like terrorism or child victimization. However, low-level or isolated incidents—such as a one-time unauthorized charge under $500—may be prosecuted as misdemeanors in some jurisdictions….

Identity theft remains one of the fastest-growing financial crimes in the U.S., and its penalties vary significantly based on whether the offense is charged as basic identity theft under 18 U.S.C. § 1028 or aggravated identity theft under 18 U.S.C. § 1028A. Understanding the minimum sentencing rules—both federally and at the state level—is vital for…

With over 24 million U.S. identity theft victims in 2021 and annual losses exceeding $24 billion, identity theft remains one of the fastest-growing and most damaging crimes in America. In response, federal and state laws have evolved to impose increasingly harsh consequences. This guide explores the seven primary categories of identity theft penalties, including incarceration,…

Identity theft is surging in 2025, with a staggering 365,758 cases reported in Q1 alone—a 24% increase from the previous quarter. From phishing emails to breached databases and stolen mail, criminals are constantly refining their tactics. Understanding the three most common causes of identity theft is crucial to protecting your financial, medical, and personal life….

Your Social Security number (SSN) is more than just a string of digits—it’s the key to your financial identity. When compromised, it can open the door to credit fraud, tax scams, and stolen benefits. In 2023 alone, 69% of data breaches exposed SSNs, and over 1.4 million identity theft reports were filed with the FTC—many…

If someone is using your SSN, you may notice unauthorized accounts, unfamiliar tax documents, debt collection calls, or changes to government benefits. The fastest way to find out is to check your credit reports, Social Security earnings, and IRS transcripts, then set fraud alerts or freeze your credit immediately. Why It Matters? In 2023 alone,…

Child identity theft is a growing but often hidden crisis. According to Javelin Strategy & Research, over 1.25 million children in the U.S. were victims of identity theft in 2020 alone. The FTC also received more than 22,000 reports of child identity theft last year. Many of these young victims only discover the damage years…