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ID thiefQuestion: Mike's ex-wife has been stealing his identity for years. Dave tells Mike to treat her like he would anyone else who has done this ... like a criminal. Dave Ramsey's advice: Go see the district attorney, at the state level if you have to. Have her prosecuted and put in jail, because she's a thief. Put fraud victim alerts on all 3 credit bureau reports that you have ... Experian, TransUnion and Equifax.
It takes a thiefQuestion: Marilyn's son-in-law had his identity stolen by his dad, and $20,000 in credit card debt was run up in his name. What do they do about it? Dave Ramsey's answer: What a scumburger! This guy's a bank robber! You have to file charges, but he's a criminal, so that's the right thing to do. If the credit card company said you are liable for something you didn't buy, then they are lying too and they are scum. They do this because people believe them and get scared and pay them. First Premier is as big a crook as this scum dad! If it were me, Marilyn, I'd pop somebody. That is UNBELIEVABLE! Your son-in-law doesn't owe any money. You have to file a police report, then call the fraud victim division of the credit card company and give them the information of the person who stole the identity, and tell them you are not paying them. If they pursue you after that, tell them you'll sue them into oblivion. BUST THEM IN THE NOSE! Sorry, wrong numberQuestion: Anne has gotten calls from a collection agency over charges that she doesn't believe are hers. They want to "verify" it's her by asking for her Social Security number, but she won't give it out. What can she do about this? Dave Ramsey's answer: NEVER, NEVER give your personal information over the phone when someone like this calls you. From a practical standpoint, you need to get this thing fixed. Just bust the collections agency in the mouth a little bit and let them know you mean business when you say that you are not that person. If they keep calling you and harassing you, report them to the Federal Trade Commission. Put a fraud victim alert on your credit report. That costs nothing, and you should go get identity theft protection insurance from Zander Insurance. |
