With the increasingly digital nature of our world and the impact it has on our financial lives, identity theft is an even bigger concern than it was in generations past. One easily guessed password or unsecured Wi-Fi network can lead to serious consequences that can devastate the average person. Along with unauthorized credit card use, thieves also can use your personal information to obtain fraudulent loans, set up new accounts in your name, and wreak havoc across digital banking platforms like Zelle and Venmo.
The longer your personal information goes unsecured, the worse the long-term effects can become. You could be hounded by creditors, denied loans, and/or subjected to serious damage to your credit score. It’s more than an inconvenience, but a potentially catastrophic upending of your life that can cause severe emotional turmoil on top of the practical concerns.
If you’re the victim of identity theft, Schlanger Law Group, LLP, can fight to restore your good name and help you go back to life as you knew it. Our lawyers for identity theft victims are well-versed in enforcing consumers’ rights as spelled out by the Fair Credit Reporting Act (FCRA), the Fair Credit Billing Act (FCBA), and the Electronic Fund Transfer Act (EFTA). Having an identity theft attorney from our team working for you means you’ll have an expert on your side who knows how to take the fight to major banks, credit card issuers, and credit bureaus. We’ve helped countless clients win refunds as well as repair their credit, and we provide quick triage in urgent identity theft cases. We offer free consultations, and because we handle these cases on a contingency or fee-shifting basis, you don’t owe us anything upfront. In most cases, our fees are recovered directly from the at-fault financial institution.
You may not realize you’ve become the victim of identity theft until most of the financial harm has already been done. Some of the biggest warning signs include unexpected credit denials, unfamiliar accounts appearing on your statements, sudden calls from collection agencies for debt you never incurred, bank alerts for unknown transfers, and mail for credit lines you don’t recognize. If you’ve experienced any of these, it’s important to act fast. Within the first 48 hours, you should:
Under the Fair Credit Billing Act (FCBA), creditors that issue credit cards or other open-end credit accounts must acknowledge receipt of a billing error notice within 30 days. This rule applies to credit card issuers—not to banks acting outside of that role or to credit bureaus, which are governed separately by the Fair Credit Reporting Act (FCRA).
However, most financial institutions use automated denial systems and frequently ignore consumer disputes. This is why it’s crucial to seek legal help right away. Our team can act on your claims and force the banks and bureaus to pay attention to you. In cases where identity theft is perpetrated by a relationship partner or family member, the victim will typically need to identify the perpetrator during the course of the litigation.
One of the most important phases of your case is intake and evidence review. This is when one of our identity theft lawyers pores over all the pertinent information such as timelines, account data, device or IP records, and prior communications with banks or bureaus. This is essential because there are multiple paths to pursue for repairing your financial standing under various laws:
Working with one of our identity theft recovery attorneys is the best way to ensure that funds will be restored to your hacked checking accounts, any fraudulent accounts in your name will be deleted, and all wrongful collection efforts will be halted. We have the expertise and knowledge to make sure your case is escalated appropriately so you can receive monetary as well as credit repair relief. Once you submit all the documents we request, you can let us handle practically everything. Legal fees are most often recovered from the at-fault institution due to fee-shifting statutes, so once we win your case you’ll have your money back as quickly as possible.
Schlanger Law Group represents victims of identity theft from all walks of life, including:
We’re licensed in New York and New Jersey, we can handle federal consumer protection cases nationwide through remote intake and collaboration with local co-counsel or pro hac vice admission where required.
Our results speak for themselves. Across countless identity theft lawsuits, we’ve helped clients win multi-million-dollar class settlements against major banks and lenders. We’ve also secured individual recoveries totaling hundreds of thousands of dollars for victims of credit reporting errors and unauthorized withdrawals. Our clients also have benefitted from the successful deletion of fraudulent accounts from their credit reports, restoring their access to mortgages and loans.
In many cases, clients also may be eligible to receive compensation for financial losses and emotional distress as well as punitive damages when willful violations are found. Under the Fair Credit Reporting Act (FCRA), consumers who prevail in proving willful or negligent noncompliance may recover attorney’s fees as part of their damages. Similarly, the Electronic Fund Transfer Act (EFTA) allows consumers who successfully bring claims to recover reasonable attorney’s fees and costs. These fee-shifting provisions apply only when the consumer prevails in litigation.
But our services are about more than financial restitution for identity theft. They’re also about clearing your reputation, rebuilding your hard-earned credit, and ensuring you can take advantage of more financial opportunities in the future.
If you believe you’re the victim of identity theft, we’re here to help. To make sure our stolen identity lawyers are fully prepared to fight for you, make sure you collect your ID, account statements, dispute letters, credit reports, adverse action notices, police and/or FTC reports, and screenshots of any communications or app transactions.
When you sit down with us for a free consultation, we’ll provide you with an immediate eligibility assessment as well as recommended next steps. Because we offer representation with no upfront fees, you can count on us to provide you with access to legal help regardless of your financial status. Once we get started, we’ll handle all communications with banks, creditors, collectors, and bureaus, minimizing your stress and any potential missteps.
Identity theft can plunge your entire world into chaos, but with the expertise of Schlanger Law Group’s federal consumer protection lawyers at your side, you can restore balance. We can help you regain control of your finances, repair your credit, and hold financial institutions accountable. To find the right legal partner to untangle your identity theft concerns, reach out to speak with Schlanger Law Group today.
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