This section is very much necessary if you would like to recover from bankruptcy. 这一节是非常必要的，如果你想从破产。 A credit monitoring service can be of assistance to you in this. 信贷监控服务可以帮助您在此。 Nevertheless there are other things that can be of help to you during your fight. 然而，还有其他的东西，可以帮助你在你的斗争。 When you declare yourself bankrupt, you do it in order to get another chance. 当你宣布自己破产，你这样做为了获得一次机会。 This cannot happen if your identity has been stolen from you. 这不可能发生，如果您的身份已被盗窃您的意见。 This section will be somewhat larger as it covers a larger aspect of keeping your credit in order. 本节将大一些，因为它涵盖了较大的方面，使您的信用秩序。
These days, the crime of identity theft has been strongly rising. 这些天来，犯罪的身份盗窃已经强烈上升。 More recent surveys reveal that there are currently about 9 million victims every year. 最近的调查显示，目前有大约900万受害者每年。 How it functions is that criminals steal Social Security numbers, driver's licenses, credit card numbers, ATM cards, calling cards, and anything else they can lay their hands on which can offer you information. 如何职能是，犯罪分子窃取社会安全号码，驾照，信用卡号码，提款卡，电话卡，以及其它任何他们可以染指的可以为您提供的信息。 They use this information so that they can stand in for their victims, and spend as much money as they can in as short a time as possible before they move onto their next victim. 他们利用这一信息，使他们能够站在他们的受害者，花的钱因为它们可以在最短的时间内才可能走上他们的下一个受害者。

Right now there are two basic kinds of identity theft which are: 现在这里有两个基本类型的身份盗窃是：

• Account takeover: this occurs when a thief appropriates your current credit account information and buys products and services through the use of the actual credit card or just the account number and expiration date, and back of the card code. •帐户收购：发生这种情况时，一个小偷合适您当前的信用帐户信息和购买产品和服务通过使用实际的信用卡或公正的帐户号码和到期日，与背面的卡代码。

• Application fraud: this is also referred to as "true name fraud." •应用欺诈：这是也称为“真实姓名欺诈行为。 ” The thief will make use of your SSN and other ID information in order to open new accounts in your name. 小偷将利用您的社会安全号码和其他身份信息，以便开辟新的帐户，你的名字。 This will take a long time to hear about unless you have a credit monitoring system which can work for you. 这将需要很长时间才能听到的，除非你有一个信用监督制度，可以为你工作。

In general, victims of credit card fraud aren’t liable for more than the first $50 of the loss (Lending Act, Fair Credit Billing Act,15 USC sec. 1601). 一般来说，受害者的信用卡欺诈是不承担责任超过第一次50美元的损失（借贷法，公平信用结账法，南加大15秒。 1601 ） 。 In most cases, the victim won’t have to pay any part of the loss; nevertheless debit card users will be less protected against fraud. 在大多数情况下，受害人将不必支付任何部分的损失;然而，借记卡的用户将减少保护，以防止欺诈行为。

When this fraud occurs; all your accounts are usually wiped out, but you could however be liable for the total amount of the loss depending on how fast it is reported (Electronic Funds Transfer Act,15 USC sec.1693). 当这种欺诈行为发生;所有帐户通常是消灭，但你可以但是承担的总损失数额取决于如何快速据报道（电汇法， 15南加大sec.1693 ） 。

Although most victims aren’t usually stuck with paying their imposters' bills, they are often left with a negative credit report which can be really bad if they’ve just experienced bankruptcy. 虽然大多数受害者通常不坚持支付其骗子的法案，他们往往留下负面的信用报告，可如果真的不好，他们刚刚经历过破产。 In the mean time, you will have difficulty getting credit, loans, renting apartments, or even getting hired for a new job. 在此同时，你将很难获得信贷，贷款，出租公寓，甚至越来越聘请了新的工作。 Actually, you can’t make the most of all of these efforts in order to help you learn to reconstruct your credit when a fraud occurs. 其实，你不能让大多数的所有这些努力，以便帮助您了解重建时，您的信用卡欺诈现象。 This is why this section is so important. 这就是为什么这一节是非常重要。

• Credit reports. •信用报告。 These monitoring programs will always provide you with a copy of your credit report. 这些监测计划将永远为您提供一份您的信用报告。 The amount of times you will obtain one will be subject to variations depending on the service. 数额时候，你将获得一个将受到变化取决于服务。

Some services can provide you with unlimited access to your credit file which means that you can check whenever you want to, whilst others will provide a credit report quarterly. 有些服务可以为您提供不受限制地进入您的信用档案，这意味着您可以检查时，你想，而其他将提供一个季度的信用报告。 I would recommend that you get one which can provide you with unlimited access. 我建议你一个可以为您提供无限的机会。 The reason for this is that should you choose to follow any bit of our advice on recovering from bankruptcy, you will require a copy on hand. 这样做的理由是，如果您选择的后续任何一点我们的意见恢复破产，你将需要一本关于手。

• Identity theft insurance. •身份盗用保险。 As part of the package, some services will offer identity theft insurance. 作为一揽子的一部分，有些服务将提供身份盗窃保险。 Just make sure to first read the fine print. 请务必先阅读印刷的罚款。

• Cost. •费用。 Obviously, cost is something that will need to be considered when you choose a monitoring service. 显然，成本是，将必须考虑到当您选择一个监测服务。 These costs might range from a $39 per year for a very basic, one bureau monitoring service, to $200 per year for a premium, 3 bureau monitoring service. 这些费用可能范围从39美元，每年为一个非常基本的，一个局的监测服务， 200美元，每年的保费， 3局的监测服务。

When you try to get over your bankruptcy, bearing in mind all of your credit accounts can save your life and get you back on track. 当您尝试让你破产，铭记您的所有信用账户可以挽救你的生命，并让你回到正轨。 Obviously, there are certain things which credit monitoring can't do, such as take the action in your place. 显然，有一些事情信用监督不能做，如采取行动，你的位置。 You can rest assured that Identity theft prevention in this day and age is necessary for recovering from bankruptcy as it can save you from having illegal attempts made on your account which could take you back to the very beginning. 你可以放心，防止身份盗用在这个时代是必要的康复破产，因为它可以节省你有非法企图您的帐户这可能需要你回到一开始。

Keep reading, click to the next page of our guide on how to recover from bankruptcy: Identity Theft Prevention 2 请读，请点击下一页我们的指南如何恢复破产： 防止身份盗用第2