My mom maxed out a credit card in my name ($500)didn't pay on it, she put a house alarm system in my name($900

Question

neglected to pay that as well (both in which got sent to collections) and she also bounced a check to my rental office on my behalf and didn't pay that or the return check fee. She also told me to focus on my grades when i was in college and that she would focus on the financial aspect of it and she ended up not paying and I couldn't go back when I got to my senior year cause my balance was so huge. Should I have anything to do with her? She claims that she has made sacrafices for me throughout the years and she has gone beyond her call of duty as a mother and has done somethings that weren't required of her to do. But I don't know exactly what she is refering to, she says I can't remember bc I am inappreciative and ungrateful. She is very sarcastic, deceitful and conniving. What should I do? My credit is bad because of her. She sets a poor example. She is only into trips, fashion and money. She likes to appeal to people on the outside looking in.

i went to the police and they said if i press charges she will face jail time , fines and maybe probation. They said they would put a lean on her house, etc. But i have younger brothers and sisters. I don't want them getting put into foster care or getting caught up in the system. My dad can't possibly do it by hisself. He follows her lead. She wears the pants.

the creditors said they've heard this story over and over and they need proof. Like a police documents.

Answer 1

It is the parents' responsibility to prepare our children for the future and let them stand on our shoulders to reach higher. We do this because that is what we are supposed to do and none of us can expect payment for it because it is our children's birthright.

You do not owe your mother anything except for the respect that she earns from you by taking care of you and being a good example for you. Unfortunately she has failed you in both regards. You do not have to overlook her actions and you do not have to forgive her.

What she has done to you is illegal. She has stolen from you. She has committed Identity Theft against you. You should contact the police and file a police report and have your mother prosecuted for fraud. Then you can take the resulting documentation to all 3 credit bureaus and clear your name and begin the process of repairing your credit.

Once you have gotten a handle on things, please finish your education and have a successful life. Whether you keep your mother out of your life from here forward is a personal decision, but I do know that she won't mess with your credit anymore after you see to it that she is disciplined for her illegal and offensive behavior. What ever you decide from now on do not loan her any money and do not allow her to borrow your credit with your consent. Keep family and finances separate.

Good Luck!

Answer 2

My birth mother did something similar to my half sister, only not using credit cards. Our mother had a business that she owned and had embezzled money from her own company (no one can figure out where she put the money or just how much it was). She then decided that she wanted to sell the business and let my sister buy it, knowing that in that state (Colorado) if you buy a business, you incrue all of the debts along with it. Needless to say, my sister has been in and out of jail and court due to this. Her credit is totally ruined and she now has to pay thousands of daollars back to the people our mother stole money from (they wanted someone to go after and since our mother has disappeared for good and my sister owned the business when it went under, they went after her). If my sister or I knew where she was, we would turn her in in a heartbeat!! People who do this don't care about anyone but themselves (sorry to say it, but it's true) and don't care who they hurt.

I would, personally, turn your mother in to the cops. Your father and younger siblings will get along just fine. Imagine how much better your father will do without your mother there to be overbearing? He would have to take over for the kids sakes. I think that by not doing anything, you are just enabling her to keep on doing this. Who knows, she may be doing this to your younger siblings. This type of thing is rising in the country and needs to be taken care of or it will continue to go on. It is fraud and identity theft, to say the least. Do you want your siblings to go thru the same thing you are?

Good luck.

Answer 3

Take her to small claims court for the $500 and $900. Do I understand you to mean that she paid for your rent with her money, or yours? If it was with yours, then you could include that with the $1400, depending on the maximum allowed by your state in small claims. If you did not give permission for her use of your cards, or if she promised to repay the items as a loan, then you'd stand a chance of winning the suit against her. If you used financial aid as the means to say, take mom to dinners, or travel, then I'm afraid you're gonna have to eat that in the way of repayment on the school loan.
You'd do well to cancel the credit cards, and inform the companies that your mother is not an authorized user of the card(s). Her usage has put your finances in turmoil, and would they be willing to settle on a manageable amount (some will settle with you for cents on the dollar). If by chance you're able to obtain credit cards in the future, make absolute certain that the companies are aware that she is not an authorized user, and never, never provide her with your financial information! If she's as superficial as you say, then it would behoove you to forget her ill-use of you in the past, but be reminded of her character for future reference, and don't loan, give, or make offer to pay for her lifestyle addictions. All the best to you!!!

Answer 4

Hey sorry to hear that. I worked a paper route for 3 years saving up for a car, giving my dad the money I made which he said was being put into a savings account. He spent it all, I found out when I was 16 (this was 12 years ago). Sometimes you have to cut a parent out of your life until they grow up. Become financially independant and give her hte cold shoulder until she changes. Frankly you should take her to court.

Answer 5

first you need to call all the creditors and tell them what your mom did. you can repair your credit and not be responsible, but you will have to sue your mother. i would completely disown my mom if she ever did anything like this to me. she has ruined your chance of getting a loan for anything(house, car, whatever). She has basically ruined your financial future. I hate to sound harsh, but it's the truth. i think you already know what to do about her. call a credit repair service and see if they can help you with some of this.

Answer 6

ok..what you need to do right now is look for an attorney in your area that will give you a free consultation. when you find that
call and make an appt and let them know what is happening. that is fraud to say the least. so do that and take care of yourself.

Answer 7

same thing happened to me in college! I am still paying them off! Just get identity theft protection! Tell her you got it and that next time you will press charges against her!

Answer 8

Montel williams just had a show on the other day on "my mom ruined my credit". Montel cleared all the kids credit on the show. sounds like you need montel williams help...

Answer 9

Sounds very very much like my mom. I had her charged with fraud and slander to regain my credit.
I don't regret it at all.
Good luck and follow your heart.

Answer 10

legally you are not responsible for the debits that you did not make. contact your credit card companies and tell them. it is legally credit fraud if you did not make the purchases. and then cancel your cards, you don't credit cards. only buy things that you have the money for.