Legal Club of America®

IDENTITY THEFT RESOLUTION and INSURANCE

Identity theft is the fastest growing financial crime in America – striking nearly 10 million victims in the last year alone. For victims of Identity Theft we provide the following:

Product Features and Benefits

Our unique identity theft solution provides you with all the components necessary to restore your identity, and prevent future incidences of identity theft. All work done on your behalf is performed by qualified paralegals. Our program takes a completely hands on approach to identity theft restoration.

You will have 24/7, 365 days per year access to Identity Theft Restoration Advocates who will provide you with comprehensive, personalized recovery services.

Identity Theft Restoration:

Upon notification of an identity theft incident, paralegals will:

Consult with you 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 your credit records, and obtain a list of creditors involved with the fraud
Notify the appropriate bank or agency if other forms of identification (such as an ATM card, driver’s license, social security card, or passport) were stolen or are missing, so that appropriate action can be taken and new forms issued
Notify local authorities of the incident and help you obtain necessary report

Lost or Stolen Credit Card Assistance:

Paralegals will assist you in the event your credit cards are misplaced or stolen.

Paralegals will:

Consult with you to determine the severity of the event
Contact each credit card company while you are on the phone
Cancel your affected credit cards
Request new replacement cards
Place fraud alerts with all three major credit bureaus
Assist you with interpreting your credit reports
Provide daily credit monitoring from all three bureaus for six months to help prevent any further fraud

Identity Theft Insurance**:

You will also receive up to $25,000 worth of identity theft insurance coverage underwritten by a nationally recognized Insurance Carrier with an “A” or better AM Best Rating. This coverage will help offset some of the cost of restoring your identity to its original status including:

Lost wages: $500.00 per week, for 4 weeks maximum
Re-filing of loans
Defense cost for certain civil & criminal law suits
Reimbursement of fees: Reasonable and necessary costs incurred in the United States by the insured for:
(a) Re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of a stolen identity incident
(b) Notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of the insured's efforts to report a stolen identity incident and/or amend or rectify records as to the insured's true name or identity as a result of a stolen identity event.

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