That would be fraud
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First, I would suggest that you not depend on your relative for ethical and moral advice. Second, in my 30 years of practicing law I have observed that many people who try to cut corners and live either close to the edge or over the edge of illegal/immoral behavior find themselves at some point in life in serious difficulty. Consequently, whether you can get away with it in this situation is not the issue. The real issue is whether you are setting yourself up for a pattern of behavior that will most likely catch up with you within a few years when you have more to lose.
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