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<DIV style="FONT-SIZE: 14pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">
<DIV><FONT size=4>How did you rule?</FONT></DIV>
<DIV><FONT size=4>Josh</FONT></DIV>
<DIV><FONT size=4>Retired Dt. Ct. Judge</FONT></DIV>
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style='FONT-SIZE: small; TEXT-DECORATION: none; FONT-FAMILY: "Calibri"; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; DISPLAY: inline'>
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<DIV> </DIV>
<DIV style="BACKGROUND: #f5f5f5">
<DIV style="font-color: black"><B>From:</B> <A title=syaloha@gte.net
href="mailto:syaloha@gte.net">Schmidt & Yee</A> </DIV>
<DIV><B>Sent:</B> Wednesday, April 11, 2018 7:07 AM</DIV>
<DIV><B>To:</B> <A title=wsbapt@lists.wsbarppt.com
href="mailto:wsbapt@lists.wsbarppt.com">'WSBA Probate & Trust Listserv'</A>
</DIV>
<DIV><B>Subject:</B> Re: [WSBAPT] Equifax</DIV></DIV></DIV>
<DIV> </DIV></DIV>
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style='FONT-SIZE: small; TEXT-DECORATION: none; FONT-FAMILY: "Calibri"; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; DISPLAY: inline'>
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<P class=MsoNormal><SPAN style="COLOR: #1f497d">I do consumer work and I also
recently heard a case in small claims where plaintiff sued Equifax for the
breach, so I had to do quite a bit of research to rule on the
case.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d">The best thing to do is to
freeze the credit report. But, realize that there can be no credit extensions
while frozen. So, if you client needs a new credit card or car loan, it won't
happen. <o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d">When the credit report is
frozen, a PIN is issued to unfreeze the report. Be sure it is guarded and kept
in multiple places to find it because, if you lose it, unfreezing the report is
a nightmare.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d"><o:p></o:p></SPAN> </P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d">There are multiple class action
suits pending that your client could join. There is a basis for a claim if
your client has an actual loss and can show the loss is traceable to the
negligence of Equifax. That is the hard part since there have been so many
breaches of information, it is hard to trace. Equifax claims that there has been
no documented use of the information hacked. <o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d">Also, it is hard to prove
damages unless something has actually occurred, otherwise, damages are just
speculative.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d"><o:p></o:p></SPAN> </P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d">Also, there is an app that a guy
developed that links a person to their small claims court and fills out the form
for the claim if your client is interested in just pursuing the limits allowed
in small claims.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d"><A
href="https://www.usatoday.com/story/tech/news/2017/09/13/want-equifax-pay-bot-helps-victims-file-15-000-small-claims-suit/663102001/">https://www.usatoday.com/story/tech/news/2017/09/13/want-equifax-pay-bot-helps-victims-file-15-000-small-claims-suit/663102001/</A><o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d"><o:p></o:p></SPAN> </P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d">There are numerous articles
online about the ability to sue and recover damages and cases of failure and
success.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d">Pam Yee<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d">Schmidt & Yee,
PC<o:p></o:p></SPAN></P>
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<P class=MsoNormal><B>From:</B> wsbapt-bounces@lists.wsbarppt.com
[mailto:wsbapt-bounces@lists.wsbarppt.com] <B>On Behalf Of </B>Lisa E
Schuchman<BR><B>Sent:</B> Tuesday, April 10, 2018 12:31 PM<BR><B>To:</B> WSBA
Probate & Trust Listserv
<wsbapt@lists.wsbarppt.com><BR><B>Subject:</B> [WSBAPT]
Equifax<o:p></o:p></P></DIV></DIV>
<P class=MsoNormal><o:p></o:p> </P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 12pt; FONT-FAMILY: "Garamond",serif'>Hi,
all,<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 12pt; FONT-FAMILY: "Garamond",serif'><o:p></o:p></SPAN> </P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 12pt; FONT-FAMILY: "Garamond",serif'>Does anyone have
experience with dealing with Equifax and its security breach letters? My
client got a four-page “informational” letter explaining the breach, what
information of his was stolen, and recommending what he could do. He asked
me for help, but I don’t really know what to tell him other than to freeze his
credit. The breach was in July, 2017, but they recently discovered more
consumers who were affected. Any thoughts about the usefulness of or
concerns about a freeze? Other thoughts on the
subject?<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 12pt; FONT-FAMILY: "Garamond",serif'><o:p></o:p></SPAN> </P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 12pt; FONT-FAMILY: "Garamond",serif'>Thanks.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 12pt; FONT-FAMILY: "Garamond",serif'><o:p></o:p></SPAN> </P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 12pt; FONT-FAMILY: "Garamond",serif; COLOR: black'>Lisa E.
Schuchman<BR>206-960-4212<BR><A href="http://www.lisaschuchman.com/"
target=_blank>www.lisaschuchman.com</A><BR><BR>I learn, I give. – Gloria
Steinem<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="FONT-SIZE: 12pt"><o:p></o:p></SPAN> </P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 12pt; FONT-FAMILY: "Garamond",serif; COLOR: black'>NOTE: I do
not use encrypted email. Messages sent to or from my office via email are
not secure and may not be protected by attorney-client privilege. This email
address is not monitored at all times. If your matter is urgent, please
phone my office during regular business hours. <o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="FONT-SIZE: 12pt"><o:p></o:p></SPAN> </P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 12pt; FONT-FAMILY: "Garamond",serif; COLOR: black'>Any tax
advice included in this document and its attachments was not intended or written
to be used, and it cannot be used, for the purpose of avoiding penalties under
the Internal Revenue Code.</SPAN><SPAN
style="FONT-SIZE: 12pt"><o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-SIZE: 24pt; FONT-FAMILY: webdings; COLOR: green">P</SPAN><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial Narrow",sans-serif; COLOR: green'>
</SPAN><B><SPAN
style='FONT-SIZE: 7.5pt; FONT-FAMILY: "Arial",sans-serif; COLOR: #008100'>Please
consider the trees before printing this document</SPAN></B><SPAN
style="FONT-SIZE: 12pt"><o:p></o:p></SPAN></P>
<P class=MsoNormal><o:p></o:p> </P></DIV>
<P>
<HR>
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