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Maine Identity theft laws

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It is interesting how an individual does not need to get close to you before they can steal from you anymore.

Maine Identity Theft Laws

It is interesting how an individual does not need to get close to you before they can steal from you anymore. They do not even need to know what you look like. In order to prevent this theft from happening, the state of Maine has developed some laws that is aimed at protecting consumers and the residents of the state from having their personal identifying information stolen.

Identity Theft

Identity theft refers to the practice that has an individual (also known as the perpetrator), obtaining the personal identifying information which includes the address, driver’s license numbers and other information of another individual (known as the victim).

  • The personal identifying information of the victim is usually obtained in many ways -which include but is not limited to:
  • The perpetrator or thief going through the trash or garbage of the individual, looking for anything that could hold the personal and financial information of the individual.
  • The perpetrator could also look into your mailbox, and sift through your mail in search of  information
  • The address of hour home could be changed, such that the msil would be delivered to the wrong address.
  • They could also make use of an electronic device called skimming, which encoded the information on your financial cards, amongst others.

The law of the State of Maine prohibits any of the following acts:

  • When the individual makes use of any information or legal identification that the individual is not authorized to use which includes the social security card, driver’s license, birth certificate etc.
  • When the individual makes use of a stolen, forged or already canceled credit or debit card that was obtained through fraudulent and illegal means
  • When the individual makes use of or presents an account, billing number or credit that the individual is not authorized to use or that was acquired through a fraudulent or unlawful means.

Scanning Device

A scanning device refers to an electronic device that is used in obtaining the information on the financial card of other people. It is used alongside a re-encoder, which is also an electronic device, except it is used in placing information on a card in order to have it working.

These two practices are regarded as crimes in the state of Maine and they are classified as a Class D felony charge.

Security Freeze

This refers to the right possessed by all the consumers and residents of the state of Maine. This gag allows individuals to freeze their reports. This is done in order to prevent lines of credit from going through in the name in the name of the individuals.

This is one way to get out of identity theft. If a victim of the theft notices the discrepancy in his or her credit report early, s/he can make the security freeze effective and no more charge will be made to the account.

The security freeze, however, has to be done in writing, and the writing has to be forwarded to the three reporting agencies in the State. This service is, however, free for victims of identity theft, provided they have a police report.

For residents who simply want to place the freeze on their account, they are required to pay an association fee of $10 to each reporting agency.

Penalties

The misuse of identification is regarded as a Class D felony charge in the state of Maine it is punishable with a maximum of one year jail time and a fine up to $2,000

Apart from the above, the perpetrator is required to pay back restitution to the victims of his or her identity theft. He or she is expected to pay back everything they have lost through identity theft.

They do not even need to know what you look like. In order to prevent this theft from happening, the state of Maine has developed some laws that is aimed at protecting consumers and the residents of the state from having their personal identifying information stolen.

Identity Theft

Identity theft refers to the practice that has an individual (also known as the perpetrator), obtaining the personal identifying information which includes the address, driver’s license numbers and other information of another individual (known as the victim).

  • The personal identifying information of the victim is usually obtained in many ways -which include but is not limited to:
  • The perpetrator or thief going through the trash or garbage of the individual, looking for anything that could hold the personal and financial information of the individual.
  • The perpetrator could also look into your mailbox, and sift through your mail in search of  information
  • The address of hour home could be changed, such that the msil would be delivered to the wrong address.
  • They could also make use of an electronic device called skimming, which encoded the information on your financial cards, amongst others.

The law of the State of Maine prohibits any of the following acts:

  • When the individual makes use of any information or legal identification that the individual is not authorized to use which includes the social security card, driver’s license, birth certificate etc.
  • When the individual makes use of a stolen, forged or already canceled credit or debit card that was obtained through fraudulent and illegal means
  • When the individual makes use of or presents an account, billing number or credit that the individual is not authorized to use or that was acquired through a fraudulent or unlawful means.

Scanning Device

A scanning device refers to an electronic device that is used in obtaining the information on the financial card of other people. It is used alongside a re-encoder, which is also an electronic device, except it is used in placing information on a card in order to have it working.

These two practices are regarded as crimes in the state of Maine and they are classified as a Class D felony charge.

Security Freeze

This refers to the right possessed by all the consumers and residents of the state of Maine. This gag allows individuals to freeze their reports. This is done in order to prevent lines of credit from going through in the name in the name of the individuals.

This is one way to get out of identity theft. If a victim of the theft notices the discrepancy in his or her credit report early, s/he can make the security freeze effective and no more charge will be made to the account.

The security freeze, however, has to be done in writing, and the writing has to be forwarded to the three reporting agencies in the State. This service is, however, free for victims of identity theft, provided they have a police report.

For residents who simply want to place the freeze on their account, they are required to pay an association fee of $10 to each reporting agency.

Penalties

The misuse of identification is regarded as a Class D felony charge in the state of Maine it is punishable with a maximum of one year jail time and a fine up to $2,000

Apart from the above, the perpetrator is required to pay back restitution to the victims of his or her identity theft. He or she is expected to pay back everything they have lost through identity theft.

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