Good players, intelligent players, sometimes end up on the wrong side of a bad situation.
Please make sure your accounts are "confirmed". This allows you to change your email address and password, from inside your UR profile. Without this ability, you will have a very difficult time reclaiming your account, should anyone else ever manage to access it.
Go to your player page, here:
Make sure you see "Your account is confirmed and secure." in black bold print, above the tabs.
IF YOU DO NOT, simply click on the link on that same page, to have the confirmation email sent to your registered email address. Click on the link in the email, and you're done.
IF YOU CAN'T access the email address you used when registering, then you MUST send a note to Customer Support.
Use this: http://www.urban-rivals.com/staff/contactus.php
Tell them the old email address, and the 'correct' email address. It would be helpful if you could confirm the last time you purchased credits, by approximate date and amount. They will send you a link to the new email address. Click on it, and you're fine.
TIPS TO STAY SAFE:
1) Avoid less secure free mail clients (i.e. - Hotmail & MSN)
2) NEVER click on suspicious links. Especially those promising something for nothing.
3) Don't give your password to ANYONE. Not your friend, not your guild founder, not a moderator. EVER.
Save yourself the headaches, friends. Confirm your account today. ;-]
P.S. - Once you confirm your account, you may wish to delete any emails with login and password information. This info is best stored offline, in case the email account itself is ever compromised.