Grandfather (not blood related but part of my life for over 35 years) cosigned for me in 09' (Care Credit). As of September 13' I have not been able to make payments and thought I had worked out a deferment. Now that his daughter is power of attorney and applying for credit in his name she is aware of the default. She states she will press charges for fraud because I asked him to cosign after Grandmother's death in 09'. I plan to write a letter to the collection agency to hopefully work out a repayment plan. I have asked his daughter to stop sending harassing texts and telling others about my medical info she found out from the collection agency. She has texted me her threats and confirmed she shared my info with others. I am 38wks pregnant, unemployed, and very very scared.If she files a police report what would be the reasoning for the DA to take this up as a criminal matter ? Daughter's assertion that the timing of request to cosign equals fraud-is that valid reason? I had no intent not to pay the card and had made perfect payments for nearly 4 years.