2. Call customer service to suspend your account so that no one else can rack up minutes.
3. Assess your risks. Did you use it to check e-mail, bank accounts, credit card activity? Did you save the passwords? "That means when your phone is found, others can access your accounts," says Mark Rasch, cofounder of Secure IT Experts. Change all passwords at your computer, and report any fraudulent activity you spot.
See also: 9 Ways to Get a Person on the Phone


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