Identity theft is one of those things that can happen to anyone. It occurs when someone steals your personal information, such as your Social Security, credit card, or driver’s license number, to apply for loans and credit cards, rack up debt and commit other illegal activities using your identity. Once it happens, it’s not easy to fix. The average identity theft case can take hundreds of hours to resolve and can cause emotional and physical stress. According to the Identity Theft Resource Center, 41% of identity theft victims experience sleep disturbances.