Member of San Diego Better Business Bureau Stolen/Lost Wallet or Document Identity Theft Prevention  A guaranteed service to prevent identity theft Identity Theft Repair  A guaranteed service for victims of identity theft. Premier Package  Add a Zero Deductible $25,000.00 Identity Theft Expense Program at no additional cost.

Lost or Stolen Debit Card ? ( ATM Card )

A lost or stolen Debit/ATM/Check card in the wrong hands can easily be used without your knowledge or consent. You may not even realize it until checks start bouncing or your out of cash.

Your Liability

Government regulations require credit card issuers to set a maximum liability of $50 if the card is reported lost or stolen within two days.

HOWEVER, The issuers of credit/debit/atm cards do not have to back up your losses. Failure to close these accounts could result in your losing everything in your checking and overdraft accounts. Make sure you check out the Stolen Item service to protect yourself from further repercussions.

Make sure you check with your financial institution about your liability as this is subject to change and some variance from one financial institution to another.

If your card is backed up with a savings or checking account, identity theives can clean out all of your accounts immediately. Call your bank r or go online to close all of those connected accounts.

Getting Provisional Credit

Under government regulations, financial institutions may have up to 20 days to provide provisional credit to consumers for losses due to theft or loss. Some debit card issuers promise faster credit. Visa, for example, gives provisional credit equal to the amount in the account at the time the card was reported missing within five business days.

Bounced Check Fees

Be aware that the card issuer is not required to cover fees charged by recipients of fraudulent check transactions that bounce. Some banks do, however, refund those fees as a measure of good customer service.

This article on dealing with a lost or stolen debit card is offered up for general guidance and information. It is not intended as, nor should it be construed to be, legal, financial or other professional advice. Please consult with your attorney, bank or financial advisor to discuss any legal or financial issues on this topic.

Solve the problem of identity theft if your wallet was stolen

Was your wallet lost or maybe you were pick pocketed? The crooks didn't care that much about your cash, or your credit cards, everyone knows to cancel them. Credit Card Companies provide continuous fraud monitoring for misuse of credit cards. They also provide their clients with zero liability if they are a victim and if they contact them right away. However, losses from Debit Cards are a different matter and may become your responsibility.

Reduce the stress of dealing with the theft

So if the credit card companies provide relief and monitoring why would you need this service? Because what the crooks will do is get a hold of someone like a utility company and tell them "I've moved, here is my new address". The utility company will say "prove who you are". Of course that is easy for your crook, they stole everything they need from you. When they get a bill with a new address now they will open up new credit cards after the limited fraud alert is removed from your account.

Of course when they don't pay the bills the banks will hand the account over to a collection agency. The collection agency will find you and start harassing you and of course they will turn a deaf ear to your complaints about identity theft. They are working on commission and will certainly sue you because they know paying their bill is cheaper then hiring a lawyer.

How do you stop this, who do you call, where should you write, do you send them registered or certified? We can help because we have this all organized and automated. We will prevent your identity from being stolen and we will do it quickly and easily. We exist to help you solve this problem and our Better Business record proves it.

This is the total price, there is no set up fee and there is no monthly charge.

Product Pricing	Single	Couple	Household
Premier with free identity theft insurance	$99.95	$124.95	$149.95
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This is a guaranteed service!

We will prevent Debit, Credit or ATM card accounts being set up by others using your good name and your good credit.

We will prevent identity crooks from redirecting your bank, debit/ATM cards, and credit cards statements. We will prevent thieves from changing your address with any other creditors.

We will assist you with the police regarding warrants.

If a collection agency starts harassing you for debt, we will assist you and stop them.

You will also receive a comprehensive monitoring system to insure that you are receiving all of your statements and your credit reports in a timely manner.

You will receive a complete system for checking on the four (not three) credit bureaus so you receive credit reports on a regular basis.