Unfortunately not. Your mom will need to file a police report for identity theft and submit that to the lenders and bureaus. She needs to prove the debt isn't hers and that's the only way.
The only true way to deal with this that doesn't make Mom financially responsible is to fill out an identity theft report with the police and a FACTA identity theft report. Whether or not the creditors pursue your sister is unknown. This kind of identity theft is prevalent because the perpetrator banks on (no pun intended) literally and figuratively on the victim not wanting to make waves in the family or cause problems. Mom is not doing her any favors by allowing this to continue. If she isn't going to handle it legally then her only recourse is to try pay for delete on the debts.
I know Mom doesn't want to hear this but she needs to freeze her credit reports NOW. She needs to confront the offender and demand payment. Then I would put her out of the house. Make sure sister knows the bureaus are locked and that only YOU have the code to unlock so that she cannot open any more accounts under Mom's name. Also notify Social Security of her identity theft and perhaps Mom can get a new SS# that your sister doesn't know as well. Good luck.
@Jnbmom wrote:
@Cowboys4Life wrote:The only true way to deal with this that doesn't make Mom financially responsible is to fill out an identity theft report with the police and a FACTA identity theft report. Whether or not the creditors pursue your sister is unknown. This kind of identity theft is prevalent because the perpetrator banks on (no pun intended) literally and figuratively on the victim not wanting to make waves in the family or cause problems. Mom is not doing her any favors by allowing this to continue. If she isn't going to handle it legally then her only recourse is to try pay for delete on the debts.
I know Mom doesn't want to hear this but she needs to freeze her credit reports NOW. She needs to confront the offender and demand payment. Then I would put her out of the house. Make sure sister knows the bureaus are locked and that only YOU have the code to unlock so that she cannot open any more accounts under Mom's name. Also notify Social Security of her identity theft and perhaps Mom can get a new SS# that your sister doesn't know as well. Good luck.
💯 agree . Me personally I would whoop my sisters behind for sure
Is it possible Mom would give you financial power of attorney to deal with this mess? Another option is for you to confront Sis and bluff her by telling her that in order to avoid criminal charges she can pay it all right now and any further use would result in arrest. Unless she is that savvy of a criminal and knows you are bluffing.
@Peace_O_MindWelcome to the forums. So sorry their are family members that pull this stunt. Usually who does it. Get it all cleared on the creditors side. File the police report as required. Then. Pay up or enjoy bologna sandwiches.
Your mother would need to file a police report, and press charges. I have dealt with a similar situation with a family member, and it's the sole reason why I have a charge off on my record because I was not willing to press the charges. Each transaction on credit card m in my state was a felony, and lets just say their waa a lot of transactions.
@Cowboys4Life wrote:
@Jnbmom wrote:
@Cowboys4Life wrote:The only true way to deal with this that doesn't make Mom financially responsible is to fill out an identity theft report with the police and a FACTA identity theft report. Whether or not the creditors pursue your sister is unknown. This kind of identity theft is prevalent because the perpetrator banks on (no pun intended) literally and figuratively on the victim not wanting to make waves in the family or cause problems. Mom is not doing her any favors by allowing this to continue. If she isn't going to handle it legally then her only recourse is to try pay for delete on the debts.
I know Mom doesn't want to hear this but she needs to freeze her credit reports NOW. She needs to confront the offender and demand payment. Then I would put her out of the house. Make sure sister knows the bureaus are locked and that only YOU have the code to unlock so that she cannot open any more accounts under Mom's name. Also notify Social Security of her identity theft and perhaps Mom can get a new SS# that your sister doesn't know as well. Good luck.
💯 agree . Me personally I would whoop my sisters behind for sure
Is it possible Mom would give you financial power of attorney to deal with this mess? Another option is for you to confront Sis and bluff her by telling her that in order to avoid criminal charges she can pay it all right now and any further use would result in arrest. Unless she is that savvy of a criminal and knows you are bluffing.
That still won't fix the credit which is what the Poster is asking. The only way to do that is as all others have said, file police report and prosecute for Identity Theft
