Dispute accounts and charges resulting from identity theft. This template is customized for New York residents with relevant state law citations.
New York Legal Requirements
Your demand letter should reference New York-specific laws including New York General Business Law § 349.
- New York General Business Law § 349
- NY Consumer Protection Act
- New York Identity Theft Law
- FTC Act § 5
Next Steps if They Ignore You
If your demand goes unanswered, you can escalate to New York small claims court or file a complaint with New York Attorney General Consumer Protection.
The Fraud Recovery Plan
Document Everything
Save all communications, transaction records, websites, emails - everything. Screenshots are evidence.
Report to Authorities
FTC, FBI IC3, state attorney general, local police. File reports everywhere applicable.
Contact Financial Institutions
Bank, credit card, payment apps. Dispute unauthorized transactions. Freeze accounts if needed.
Fraud Laws Are Serious
Fraud is a crime. Civil remedies often allow recovery of damages, attorney fees, and sometimes punitive damages.
Identity Theft Dispute FAQs for New York
What laws protect me in New York for identity theft dispute?
New York consumers are protected by New York General Business Law § 349 and NY Consumer Protection Act. Your demand letter should reference these specific statutes.
What is the small claims limit in New York?
The small claims court limit in New York is $10,000. If your dispute exceeds this amount, you may need to file in a higher court.
How long do I have to file a claim in New York?
In New York, the typical response period is 30 days. Statutes of limitations vary by claim type, so act promptly.
Create Your New York Demand Letter
Generate a professional identity theft dispute demand letter tailored for New York. Our free tool includes relevant state law citations.
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