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I Feel Dumb. Is This My Fault Because I Didn’t Shred My Old Utility Bills?

Don’t beat yourself up. Thieves are very creative (and persistent). Even if you carefully shred every document, your personal data can still be compromised through data breaches, mailbox theft, or the random hacker in Estonia. Focus on fixing the damage—not on guilt trips.

Michael F. Cardoza, Esq.
Michael F. Cardoza, Esq.
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U.S. Marine & Consumer Financial Protection Attorney helping victims of ID theft and Credit Reporting errors.

FAQ

  • ?Do I risk ruining my credit if I refuse to pay the bogus charge?
  • ?Can’t I just file another dispute with the bank’s fraud department?
  • ?Should I surrender my physical card to the bank for “forensics”?
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Testimonial

  • Mike Cardoza is a great attorney. He's quick to respond, very helpful, answered all our questions and made us feel confident moving forward. I would definitely work with him again in the future. Melina M.
  • I couldn't have asked for better representation and he exceeded my expectation by a long shot. Caleb L.
  • I got mad and contacted Mike Cardoza. Best call I ever made. Joe A.
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How To Protect Your Financial Rights

Blog Subscribe to our RSS Feed

  • Posted on 06/27/2025🚨 “Wait … You’re saying I did this?”
  • Posted on 03/14/2025The Best Way to Monitor Your Credit Scores in order to Detect Identity Theft
  • Posted on 03/10/2025What to Do if Your Identity Is Stolen—Straight Talk From an ID Theft Lawyer
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FAQs

  • QDo I risk ruining my credit if I refuse to pay the bogus charge?
  • QCan’t I just file another dispute with the bank’s fraud department?
  • QShould I surrender my physical card to the bank for “forensics”?
See More

Articles

  • Posted on 10/28/2022Scott Huffman v. JP Morgan Chase Bank - Award of $100,000 plus fees and costs (Identity Theft)
  • Posted on 10/28/2022"My wallet was stolen at a bar. Then my identity theft nightmare began." by Jessica Roy, Los Angeles Times October 26, 2022
  • Posted on 02/19/2021Emotional Abuse: My Ex Stole My Identity and Ran Up Doubt in My Name
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