Fraud Alert - Parents Opening Loans

[Tons_of_Debt]

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@IOBA wrote:

Maybe your friend could take the money she has been paying her parents for staying there towards paying off the debt that they created in her name??  Would she consider that or keep to that?

I hope your friend finds the strength to make changes NOW.

1.  Freeze credit reports.

2.  Make car payment directly to the bank.

3.  No more contributing to "household" so she can use that money to clean up her credit1 

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I suggested this to her, but the issue is that if she doesn't contribute, the lights/water/etc. get shut off. To that point I've strongly encouraged her to move out.

1. I'll be getting letters for her to send to the CR to initiate the freeze.

2. The car is her in father's name, so even if she does that there's no guarantee he wouldn't turn around and sell it.

3. As I mentioned, she doesn't pay the water bill, she doesn't have water. :-(

[MarineVietVet]

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@Anonymous wrote:

There is nothing to disagree with me about, marinevietvet.  I've stated that I don't know what I'd do in her position, and I still don't know.

I also stated that I could never turn my back on a friend or parents.  I'm not suggesting a course of action for her by saying this, I'm talking about myself.  I find it difficult to walk away from someone I know who's in trouble.  Unless you know me extremely well personally, you have no basis for disagreeing with that statement.

There's no argument here, as I have no position on this.  I don't know what I'd do in her situation.

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I should clarify what I was trying to say. It's often difficult to get across our true meaning by typed words on a white background.

My comments weren't meant as a personal rejection of your words. I apologize if it came out that way.

But unlike you I know exactly what I would do in this situation. I would demand that the parents (who are acting like spoiled kids here) be responsible adults and do the right thing. Perhaps they could stop committing crimes against their own flesh and blood.

That's my last word on the subject. Time to move on.

[Anonymous]

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marinevietvet wrote: 

 It's often difficult to get across our true meaning by typed words on a white background.

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 Believe me, I know!

We're cool!   

[IOBA]

How long would her family live there without water, electricity?  

You sound like a great friend...so if the water and the electricity was turned off, could she hang with you for a bit?

As for the car -- I do not know how to put a lien on the title, but something to look into.  Or seeing if "dad" will sell the car to you, you sell it back to your friend.  Then the title is in your name or her name, dad no longer has the power to take the car away.  Since she now knows the parent's behavior about money, she might want to seriously consider making the payments directly to the bank, even if dad can sell it out from under her.

My previous co-worker had the same situation with her dad and the car.  Dad even took the car away.  She was left scrambling to find another way around.     A month later, the car reappeared and he told her she could drive it again.  She paid monthly car payments and paid for all maintenance.  

Let us know how things progress.  Are the letters mailed out yet?  Credit freezes?  Fraud alerts?