Losing things is an everyday occurrence. We've all had pens, lip balm, and notepads seemingly vanish into thin air. You might have a friend who has to ask for your number every few months because of a lost phone. But few losses are as severe as losing your wallet.
A lost wallet has many negative consequences: aside from lost cash, which is bad enough, you may also find yourself without a driver's license. Should you lose your license, call the police department and let them know. If you alert the police, they can help you avoid some of the problems a missing license can lead to if you are pulled over. Likewise, alerting the police of a lost ID can help you avoid becoming a victim of identity theft.
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One of the biggest threats, however, comes from lost credit cards. If someone has your wallet, they can easily use your credit card or even just take down the information from it to use online, for example. If you lose your wallet and it contains credit cards, you should call the companies that issued the cards immediately.
Nearly every company that issues cards has a phone line for lost and stolen cards. If you don't know this number already, you can ordinarily find it written on the back of the card. If your wallet is already missing, these phone numbers are readily available online. The credit card company or bank can freeze access to your account until you're issued a new card.
Every minute you wait to call is another minute someone else has to use your card. Fortunately, most card-issuing companies have security measures in place that let you cancel any transactions since your card went missing. That, in combination with locking access to your account, can do a lot to prevent financial disaster from a lost or stolen card.
In these situations, it's also very useful to alert the police. Once they've been alerted of a missing wallet, they can be on the lookout for any attempts at using your ID or credit cards. If someone attempts to use your card after it has been frozen, the location and time of the attempt will be documented. The police can use information like this to catch thieves and prevent further thefts.
Although these security measures are a great help, even just the inconvenience of a lost wallet can negatively impact your financial wellbeing. Going without access to your ID for even a few days has to the potential to impact more than your ability to buy cigarettes and beer: you might also find yourself unable to provide identification for jobs.
If you are considering filing for bankruptcy, a lost wallet will only make things worse. Only an experienced bankruptcy attorney can help you determine if bankruptcy is the right choice for you. In California, the West Palm Beach bankruptcy law offices of Eric N. Klein & Associates, PA have the knowledge and experience to help you make the right decision. Contact them today to start recovering.
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