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This will probably end up being a little E/N, and I'm sorry, but this forum seems the best for this sort of stuff. Going to go through a bit of a story first. Back when I was in my teens, my mother decided I needed a credit card. I had no interest in one, but was told I needed it to build up a base of credit, and that I could use it on small purchases, then pay it back, and be responsible. So I went and got it. I never used it at all after that. One night a year or so later, my mother burst into my room, and told me she needed to take $800 out on it, because she wasted all her money yet still needed to pay rent. I refused, and then she told me that without said money, we would get kicked out by my deadbeat stepdad. She then assured me she'd be able to pay it back the next month. So I gave her the card, because I assumed it would be paid back within the next few months, and I didn't need it. She maxxed it out, paid rent, and everything was fine. Over the course of the next few years, she only ever paid minimum on it, and due to interest fees, it never got anywhere. I was fed up about it, but what could I do, I was a teenager in the rural Midwest during the start of the recession, I couldn't move out, and I couldn't pay it myself. For some reason Wells Fargo added on another $600 on to the card, for paying it back, as little as she did. Eventually the deadbeat stepdad had an affair, and kicked us out. He gave us several months to build up funds to get a new place, instead my mother wasted it all. When the day came for us to move, I was told in no uncertain terms that she didn't have enough money to pay for a new apartment, and she'd need to use that extra $600 to cover the difference. As my options were to do that or live on the streets, I gave her the money. Turns out she only bought a one bedroom apartment, and instead sent me to live with my aunt. I lived there for a number of years, again, not being able to do much. Eventually I was informed that her Paypal account had been seized due to selling fraudulent merchandise. Turns out she decided to start using mine, and since I didn't have internet, I had no idea. One day I decided to use Paypal to transfer some funds, and saw that the SmartConnect card on Paypal had been completely maxxed out, at $1800. I confronted her about it, and she told me she needed every penny of it, but was paying it back over time. Eventually I decided to leave my deadbeat family and move to Seattle to start a new life. Before I left, my mother told me that she signed me up for a new Capital One card, and that she wouldn't take me to the airport the next morning if I didn't sign off on it/call to activate it. I refused, and told her I would take a taxi, but after a long argument, I eventually relented, as she convinced me it would be good to have $800 on hand on the other side, just in case something went wrong. Well, when I woke up the next morning, I found the card missing. Turns out during the night she used it to buy a number of things for herself, and left it completely maxxed out. I've now been living in Seattle for 3 years. I recently decided I should set up to go to college, and get a loan to fix up my foot, since I've had issues for ages. Well, turns out having close to $5k debt on hand already means people are unwilling to help with that stuff, and all the college rates I could find are terrible because of it. So I figured it's time for me to figure out if I can actually get all this stuff removed, or passed on to her credit, or something of the sort. I know bringing her to court would be pointless. I'm in the range of poor college students, barely making enough to pay for my apartments rent plus food every month. She's worse, as she barely gets paid more then me, has 20 or so credit cards already, has several pets she can barely feed, has a horrible junk food/spending habit, etc. Also, despite all the bullshit, she's still my mother, and I don't want to deal with that kind of drama. I know if I asked, and there was a way for this all to count as her credit, she'd take it, I just don't know anything about credit besides "pay it off." So yeah, as I said, pretty E/N, but I doubt E/N would have any good advice to getting out of this besides a simple "you're boned, pay it back pal.". And if that's the case cool, I just want to know if there is something I/we can do to get all this off my back so I can start again. Rookersh fucked around with this message at Jan 27, 2013 around 02:41 |
| # ? Jan 27, 2013 02:37 |
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| # ? May 23, 2013 22:28 |
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Does she still have access to the accounts? If so, change all the info so she can't get into them. I'm going to let someone else address whether you have legal recourse on what she obtained from you under duress. For that you might need to consult a lawyer. Get a credit report and make sure she hasn't opened anything else in your name. If she has, file a police report. E: As for the paypal takeover, for that you can definitely file a police report. Engineer Lenk fucked around with this message at Jan 27, 2013 around 03:25 |
| # ? Jan 27, 2013 03:11 |
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Someone just can't sign you up for a credit card. Tell the issuer you did not apply for the card and you never had the card in your possession. This will only work if all the bills were mailed to where your mother is living. Of course this will get your mother in a ton of trouble.
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| # ? Jan 27, 2013 03:12 |
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Your mom seems good at wheedling people out of money. Tell her that unless she comes up with the money to pay off the balance in full you are reporting her for fraud. Note that you can't report her if you consented and were involved in getting the card and the atm withdrawals. She may not know this though.
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| # ? Jan 27, 2013 03:16 |
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Engineer Lenk posted:Does she still have access to the accounts? If so, change all the info so she can't get into them. No she doesn't. BondGamer posted:Someone just can't sign you up for a credit card. Tell the issuer you did not apply for the card and you never had the card in your possession. This will only work if all the bills were mailed to where your mother is living. Of course this will get your mother in a ton of trouble. She signed everything up as if she was me, then had me call their number to activate it. As mentioned, it was under duress of sorts, and yes, all the bills have been mailed to her. Xenocides posted:Your mom seems good at wheedling people out of money. Tell her that unless she comes up with the money to pay off the balance in full you are reporting her for fraud. The issue is, she doesn't have the money, and won't be able to come up with the money at all. At best she'll be able to chip away at the debt over the course of the next 20-30-40 years, but she's already been trying to help pay it all off. I don't know much about Fraud cases, but I can't imagine they'll end well for her, and likely won't solve my issue anyways. I'm not trying to put my mother in jail or anything, I just want these accounts to be attached to her credit, not mine.
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| # ? Jan 27, 2013 03:53 |
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I think the only possible way for her to do that without you taking her to court would be to pay off the cards with lines of credit of her own.
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| # ? Jan 27, 2013 04:19 |
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Rookersh posted:The issue is, she doesn't have the money, and won't be able to come up with the money at all. At best she'll be able to chip away at the debt over the course of the next 20-30-40 years, but she's already been trying to help pay it all off. I don't know much about Fraud cases, but I can't imagine they'll end well for her, and likely won't solve my issue anyways. I'm not trying to put my mother in jail or anything, I just want these accounts to be attached to her credit, not mine. Why would the credit card companies do that? If she can't pay anything back, why attach it to her credit, when they have a younger employed person at hand? Everybody would just run up huge credit card bills, and just blame their 90 year-old grandparents if that was possible. The only way to assign it to her credit rating is to file a police report. It sucks, but that's really the only way to do it. Can't you do that, have her file for bankruptcy, then go on welfare or some other government assistance program?
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| # ? Jan 27, 2013 05:40 |
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The answer to these is always the same. It's awesome that you want to be a 'good person' and not get your mother in trouble. That's noble. On the other hand, it is basically a parent's sole duty to do what they can to make their children's lives easier, and definitely not to gently caress them financially for years, preventing them from attending school or getting help for whatever kind of issue it is you have with your foot. That means she's failed as a parent, spectacularly, and you owe her nothing. If there was an easy way to fix this without affecting her negatively, that would absolutely be awesome. But there isn't. File the police report, because she's the one that made the choice to ruin someone's life. It's up to you as to whether it's hers or yours - but that really is the only option.
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| # ? Jan 27, 2013 06:40 |
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| # ? May 23, 2013 22:28 |
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Rookersh posted:No she doesn't. The question is, will she attach the credit to her own accounts without going to jail? If not, you need to threaten/actually send her to jail by calling the police.
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| # ? Jan 28, 2013 02:34 |
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