Christopher S. Mulvaney,

Attorney and Counselor-at-Law

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THIS WEBSITE INCLUDES GENERAL INFORMATION & THE OPINIONS OF CHRISTOPHER S. MULVANEY. IT IS INTENDED TO STIMULATE A BASIS FOR QUESTIONS RELATED TO YOUR PARTICULAR FACTUAL CIRCUMSTANCES — BEFORE YOU ACT.  THIS WEBSITE DOES NOT CONSTITUTE LEGAL ADVICE. IF YOU WANT LEGAL ADVICE, PLEASE MAKE A ZOOM APPOINTMENT TO SPEAK WITH ME.

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The use of email or this form for communication with MULVANEY LAW OFFICE, PLLC does not establish an Attorney-Client Relationship. If you don’t think I have responded, please check your spam folder. Time-sensitive information should not be sent through this Form or through email. Sensitive information can be uploaded to an encrypted Dropbox folder in your client file. Google Review Link Yelp Review Link

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Gonzaga University School of Law – Spokane, Washington – Class of 2002 – Cum Laude The Latin phrase “Deo patriae, scientiis, artibus” translates to “For God and country through sciences and arts”.  The initials A.M.D.G. on the seal of Gonzaga Law School stand for Ad Majorem Dei Gloriam, which is Latin for “For the Greater Glory of God” the Motto of the Society of Jesus (Jesuits): a Catholic religious order founded by St. Ignatius of Loyola.

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“They [corporations] cannot commit treason, nor be outlawed nor excommunicate, for they have no souls.”
– Case of Sutton’s Hospital. 10 Report 32

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A credit freeze can be put on your credit reports all three credit bureaus at this link from the Federal Trade Commission.

There are links to Equifax, Transunion, and Experian. There is no cost to doing so. The freeze prevents checking of your credit without your authorization. It does not interfere with your use of credit. You can unfreeze your credit to allow checking of it and then the freeze goes back on automatically. You set the amount of time your credit is unfrozen.

Freezing your credit protects you from Identity Theft during your life.

A credit freeze, also known as a security freeze, is a powerful tool to protect yourself from identity theft and credit fraud.  

Key benefits of a credit freeze include:

• Preventing New Accounts in Your Name: A credit freeze restricts access to your credit report, making it difficult or impossible for lenders to check your credit history and open new accounts in your name. Since most businesses require a credit check before approving credit, this significantly reduces the chances of identity thieves taking out loans or credit cards in your name.
• Protection Against Identity Theft and Financial Fraud: By blocking access to your credit report, a credit freeze helps protect your personal information from being used fraudulently to open new accounts. It adds a crucial layer of security, especially if your information has been compromised in a data breach or if you suspect identity theft.
• Peace of Mind: Knowing your credit report is secure can provide peace of mind, especially in today’s digital age with increased concerns about data breaches and identity theft.
• It’s Free: Federal law requires credit bureaus to offer free credit freezes and unfreezes to consumers.
• Doesn’t Affect Your Credit Score: Placing a credit freeze doesn’t negatively impact your credit score. You can still check your credit reports and scores even while your credit is frozen.
• You’re in Control: You have the ability to temporarily lift (thaw) the freeze when you need to apply for new credit, like a loan or credit card, and then refreeze it afterward. 

In essence, a credit freeze acts as a padlock on your credit information, making it significantly harder for identity thieves to commit fraud in your name.

The Federal Trade Commission has an Identity Theft Recovery Plan on their website.

Freezing your credit during your life also protects your Estate after you die because your credit stays frozen. Even if your Estate Administrator doesn’t do a Notice of Death to the credit bureaus, scammers won’t be able to check your credit when you are gone and make a false credit card in your name and charge thousands of dollars on the account.

Usa.gov has a primer for notifications after death when administering an Estate.

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I had a client whose father had passed three years prior who received a letter from a collection agency with thousands of dollars of Visa charges made about 18 months prior. It was annoying for my client to receive the letter regarding obviously fraudulent charges. I told my client it was important for me to respond because the collection agency likely thought that he made the fraudulent charges, so he needed to make it clear that was not the case.

You cannot be held responsible for the debts of your deceased loved one, unless you are the one who actually incurred the debt.

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Washington State residents can meet with me in Zoom/DocuSign from anywhere in the world, and I can notarize their electronic signatures because I am a remote online notary.  Just email me an image of your photo ID.

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