Never tell anyone your personal information over phone or send it through email, nor fax. Most legitimate companies will not request this information from you via phone or any other unprotected source.

If you are an online consumer, always make sure that you have a secure connection with online eCommerce site, before submitting your credit card information and other identifiable information. Irresponsible credit card usage is most common way to fall victim of identity theft.

* Monitoring your credit report monthly is a great step in stopping introducers in their tracks. By keeping close tabs on your credit activity you may be able to prevent major damages to your credit and financial wealth.

* Important documents containing your confidential information should be kept in safe, unexposed places. Even in privacy of your own home, documents with such content should not be exposed. You may opt to use P.O. Box or Private Mail Boxes to send private documents.

By following these steps you can lower your risk of becoming an identity theft victim. Being informed is most valuable protection against identity theft.

================================================= Discover useful advice and information about low interest credit cards. What to look out for, and how to find best low interest deals. Click ==> http://www.lowinterestcreditcardsinfo.com/

The above benefits are just a few of benefits of Debt Consolidation versus Bankruptcy.

Another alternative is a Personal Loan or Debt Consolidation Loan. This is one large loan to pay off smaller loans or debts. With one large loan, you will normally have a lower percentage rate and a longer pay off period. The benefits include:

* The ability to pay off debts in full * No more harassing phone calls from creditors * Your credit will be saved from derogatory accounts and collections * Low percentage rate

However, in order to obtain a Personal Loan or Debt Consolidation Loan you will need satisfactory credit. Though there are alternative to filing bankruptcy; in some cases, bankruptcy is only option.

Before deciding whether to file bankruptcy or consolidate, consult a financial advisor. He or she should be able to give you advice after evaluating your situation and current credit standings.

================================================= Discover debt consolidation alternatives to Bankruptcy. Find out useful advice and information. Click ==> http://www.debtconsolidation-easy.com/