Picture yourself walking down the street, all alone. It's late at night. It's a bit brisk, and the wind is blowing through the tall buildings on both sides of you. Suddenly, from out of nowhere, someone runs by you, knocks you over, grabs your wallet, and takes off.

It sounds like a scene from a movie, and there may come a time in the future where this type of person-to-person crime is only found in movies. Why would anyone rob a bank, or rob an individual, when they could simply use a person's information to obtain employment, credit cards, and lines of credit?

By now, everyone knows what Identity Theft is. Identity Theft has been showing up in the news for several years, and there has been a large public awareness campaign since the FTC Report in September 2003.

In their report, the FTC shared that the average Identity Theft victim spends over $1,400.00, and more than 200 hours, just to clear their good name. Reports now are saying that victims can end up spending much, much more in terms of time, money, and frustration.

Other people may be willing to spend that kind of time and money, but if you don't have an extra $1400 or 200 hours, read on!

What is Identity Theft?

Identity Theft couldn't happen to me, right?

What can I do to protect myself?

There is good news.

Identity Theft Insurance?

What is Identity Theft?

ID Theft happens when someone takes any piece of your personal information, and fraudulently uses it to obtain access to your credit, bank accounts, or to obtain employment.

How can it happen?

There are literally thousands of ways your information can be stolen, and, as Harris County district attorney Chuck Rosenthal knows, if it can happen to him, it is proof that identity theft and fraud can happen to anyone. "Rosenthal said nearly $8,000 was stolen from his account before it was discovered [