7. If debt collectors attempt to require you to pay the unpaid bills on fraudulent accounts, do not give in. Tell the collector that you are a victim of fraud and hence, not responsible for the account. Follow it up in writing to explain your situation and ask that they confirm (also in writing) that you do not owe the debt and that the account has been closed.

 

8. Confirm conversations in writing, send correspondence by registered mail requesting a return receipt, and keep copies of all records and documents. Maintain a log of all conversations, including dates, names, and phone numbers noting time spent and expenses incurred in case you are able to seek restitution in a later judgment or conviction against the thief. You may also obtain tax deductions for theft-related expenses.

 

9. Deal with the attendant emotional stress. Consider psychological counseling to help you deal with stress and anxiety. Contact the Identity Theft Resource Center for information on how to network with other victims and learn how to deal with the impact of the crime.

 

10. Write to your state and federal legislators. Lobby for stronger privacy protection and prevention efforts by creditors and credit bureaus.

 

Make no mistake about it. Fighting the impostors who malign your name and honor for their convenience will be a real battle and you need to fight back. Meanwhile and especially for those of us who are not yet victims, let us carefully monitor our mails, credit card bills, etc. for possible fraud before it gets out of hand. As patriot Wendell Phillips exhorted long ago, "Eternal vigilance is the price of liberty!"

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