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You could be wrongly sued because someone has stolen your identity and used it to purchase goods or services.
For example, someone steals your wallet, obtains your Social Security number and uses it to buy a car. The lender then sues you when the loan installments are not paid.
If this happens, you must respond to the lawsuit. If you don't file a response or show up for a court proceeding, the court may automatically rule against you and order you to pay the full amount.
Make sure you explain to the judge that even though your Social Security number was used, you did not make the purchase. For example, you could show the judge that the signatures on the purchase contract and loan promissory note are not yours.
If you filed a police report because your purse or wallet was stolen, and that is presumably how someone stole your identity, make sure to bring the police report with you to court.
Learn more about identity theft.
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Worried about doing this on your own? You may be able to get free legal help.
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