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Welcome to Lorraine Raik-Spiegel's site.
  • Identity theft is the fastest growing crime in America.
  • The number of identity theft incidents has reached 9.9 million a year, according to the Federal Trade Commission.
  • Every minute about 19 people fall victim to identity theft.
  • It takes the average victim an estimated $500 and 30 hours to resolve each identity theft crime.
  • Studies have shown that it’s becoming more common for the ones stealing your identity to be those closest to you. One study found 32% of identity theft victims discovered a family member or relative was responsible for stealing their identity. That same study found 18% were victimized by a friend, neighbor or in-home employee.
  • Most cases of identity theft can be resolved if they are caught early.
  • Financial institutions – like banks and creditors – usually only hold the victim responsible for the first $50 of fraudulent charges.
  • Only 28% of identity theft cases involve credit or financial fraud. Phone, utility, bank and employment fraud make up another 50% of cases.
Identity Theft Plan Benefits

Identity Theft Restoration

Upon notification of an identity theft incident, paralegals will :
  • Consult with the covered member to determine the severity of the theft
  • Prepare and overnight a customized, pre-completed, state specific “ID Recovery Kit”
  • Contact all three credit reporting agencies and obtain a free credit report
  • Place fraud alerts on the covered member’s credit records
  • Notify the appropriate bank or agency if other forms of identification were stolen
  • Notify local authorities of identity theft incident
  • Restore member’s identity to its pre-theft state
Unlimited Legal Care at Discounted Rates

Upon notification of an identity theft incident, paralegals will :
  • This identity theft program provides unlimited discounted legal care, at capped hourly rates, enabling members to both defend themselves and prosecute thieves.
    Identity theft victims have access to a proprietary attorney network that will represent them at the low hourly rate of $75.00 for all extended legal care. Members may use our program to prosecute identity theft thieves.

Lost and/or Stolen Credit Card Assistance

In the event a member loses or has a credit card stolen, our paralegals will:
  • Consult with the member to determine the severity of the event
  • Contact each credit card company while member is on the phone
  • Cancel the member’s affected credit cards and request new replacement cards
  • Place fraud alerts with all three major credit bureaus
  • Assist member with interpreting their credit reports
  • Provide daily credit monitoring from all three bureaus for six months to help prevent any further fraud
Identity Theft Insurance

Each member will also receive up to $25,000 worth of identity theft insurance coverage* to help offset some of the costs of restoring their identity to its original state including:
  • Replacement of lost wages: $500.00 per week for 4 weeks maximum
  • Re-filing of loans
  • Eligible defense costs for civil & criminal lawsuits
  • Reimbursement of fees: Re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of a stolen identity event

Do you need ID Theft Protection?