Michigan Credit Card Fraud Lawyer

Being made a victim of credit card fraud can be a frightening and overwhelming experience. Fortunately, you do have options available, and a competent Michigan credit card fraud lawyer can help you explore them. Contact the dedicated legal team here at Lyngklip & Associates for a free initial consultation today.

Credit Card Fraud Lawyer Serving Clients Across Michigan

Credit card fraud can have significant and lasting impacts on a person’s life if they don’t promptly address the situation. Here at Lyngklip & Associates, we have decades of experience representing victims of credit card fraud, and we stand ready to put that experience to work for you. Speak with a dedicated Michigan identity theft & credit report lawyer from our firm so we can get started.

Examples of Credit Card Fraud

Credit card fraud can take many forms, each designed to exploit unsuspecting individuals in different ways. Some of the most common examples of credit card fraud include:

• Identity Theft: This occurs when someone uses your personal information, such as your Social Security number or credit card details, to open accounts or make unauthorized purchases in your name.
• Skimming Devices: Fraudsters use skimming devices placed on ATMs or point-of-sale terminals to steal credit card information during legitimate transactions.
• Phishing Scams: Fraudsters may send fake emails, text messages, or calls posing as legitimate companies to trick you into providing your credit card information.
• Account Takeovers: In this type of fraud, someone gains access to your existing credit card account and makes unauthorized changes, such as adding themselves as an authorized user or changing the billing address.
• Counterfeit Cards: Using stolen credit card data, fraudsters may create fake cards to make purchases.
• Online Shopping Fraud: Unauthorized charges can also happen through hacked e-commerce platforms or fraudulent online retailers.

Understanding the different ways credit card fraud can manifest is the first step toward protecting yourself and addressing the damage caused.

The Laws That Protect You

If you’re a victim of credit card fraud, you’re not alone—and the law is on your side. Several federal and state laws provide strong protections for consumers, ensuring you have avenues for recourse:

• The Fair Credit Billing Act (FCBA): This federal law limits your liability for unauthorized charges to $50. Many credit card companies, however, offer zero-liability policies, further safeguarding you.
• The Truth in Lending Act (TILA): A key part of TILA is ensuring consumers are informed of their rights and liabilities in credit transactions, including unauthorized charges.
• The Electronic Fund Transfer Act (EFTA): If fraud involves debit cards or bank accounts linked to your credit card, EFTA provides additional protections for those transactions.
• Michigan Consumer Protection Act (MCPA): On the state level, the MCPA protects consumers from deceptive practices, including those related to credit card fraud.

How Our Firm Can Help

At Lyngklip & Associates, we know that facing credit card fraud is stressful and frustrating. Our dedicated legal team is here to make the process easier and fight for the resolution you deserve. Here’s how we can assist you:

• Investigating Your Case: We’ll work to uncover how the fraud occurred and identify responsible parties, whether it’s an individual or a company with lax security measures.
• Engaging with Creditors: We will communicate directly with creditors to dispute unauthorized charges and help repair your account history.
• Restoring Your Credit: Credit card fraud can damage your credit score. Our firm will work with credit bureaus to correct inaccuracies and restore your financial standing.
• Litigating on Your Behalf: If necessary, we’ll pursue legal action to recover damages or hold negligent parties accountable.
• Providing Guidance: We’ll walk you through every step of the process, ensuring you understand your rights and the protections available to you under the law.

Our mission is to provide personalized, effective representation for every client we serve. Let us take the burden off your shoulders so you can focus on moving forward.

Contact a Credit Card Fraud Lawyer Today

Don’t face an instance of credit card fraud on your own. Lyngklip & Associates stands ready to effectively represent your interests and help you attain the peace of mind you deserve. Contact our firm for a free case evaluation today.