I am asking this on behalf of my father. He is an older man with an 8th grade education he does not know how to properly use computers. Recently we discovered my mother had opened up credit cards and took out cash loans in my fathers name. She has never paid a dime of it back. She maxed out the credit cards and did not pay for them. What she did with the cash loans we have no idea. She is a stay at home mother who has not worked in many years while my father works 12 hour days sometimes 7 days a week. He did not know she was doing this and spending money the way she did. When confronted about this, she pulled out over $3000 she took out in cash off of a credit card. My father is hurt and furious. What options do we have to hold her responsible and have a lock put on his credit and social so she can not do this again? He also would like to get a divorce im unsure if that matters.
Creditors will often falsely claim that a person has opened up a credit account in someone else's name as a way to humiliate the person with good credit into paying. You know your mother, clearly, so do you think she did this or is the creditor a lying liar? Have your Dad make a written request for debt validation so he can look at the proof himself. Debt validation sample letters are widely available online.
If it is true, the next step is for Dad to file a police report explaining that he is the victim of identity theft. With crime being what it is, it is unlikely that Mom will ever be arrested and serve time, but facing some repercussions ought to be good for her. With the police report, an officer will likely provide Dad with written information on how to clean this mess up to minimize the risk to him. Hope this perspective helps!
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I suggest you take him to a divorce lawyer immediately. As far as the debts are concerned, he can probably get out of it if he immediately notifies the creditors involved, and makes a police report for ID theft, which means making a criminal complaint against his wife. Is he prepared to do that?
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