My mom is a signer on my step dad's credit card. My step dad passed away and my mom is still using his card. He was 100% responsible for the bill and he had a second card that had her name on it. She plans on using it and not paying, counting on the fact that it doesn't matter if his credit score gets ruined. So, ..... being that we all know this is legally and morally unethical, ....... my questions is: "Any experience with what ramifications this could cause for my mom?". Hey, I know this is wrong, I do not need any advice on how to handle. I just need to know if anyone has had any REAL experience with what can happen here. What would happen if my mom just ignored all collection efforts and never informed the credit card companies that he died?
2007-04-10 08:13:36 · 8 answers · asked by Anonymous in Business & Finance ➔ Personal Finance
Your mother would be guilty of theft and credit card fraud, both felonies. Credit card companies pursue these fraudulent users quite vigorously. It is almost certain your mother will end up with very serious legal problems.
Your father's death will be apparent to the credit card company when they run a check on his social security number after your mother fails to make payments.
Be aware, too, that your mother has put you at risk as well for conspiracy to commit fraud.
My experience with this is not from the criminal end, but from the prosecuting end. Believe me, it is a very, very serious matter.
2007-04-10 08:21:59 · answer #1 · answered by Anonymous · 3⤊ 1⤋
Your mom would desire to be charged with financial corporation Fraud, and under the recent federal regulation for identity robbery. whilst the financial corporation or mastercard company tries to collect and reveals out your father is deceased they're going to come after who ever else is on the cardboard. additionally they might call you as an acomplise for not reporting a legal.
2016-10-28 08:57:03 · answer #2 · answered by ? 4 · 0⤊ 0⤋
if her name is on the card it will be on her credit score too, once you are an authorized signer it also makes you accountable. its like co signing for a loan
let her do it, ruin her credit and tell her thats what she gets for being the biggest immoral, lying, heartless b#%#&$ ever
2007-04-10 08:22:46 · answer #3 · answered by rgehron1031 3 · 0⤊ 1⤋
Your mom will do time for fraud and have to pay back all she plans on racking up plus interest. She has to notify the company when he passed and her failing to do so and her "plan" will get her time. If she charges enough up it will be a felony which isn't no joke.
2007-04-10 08:22:58 · answer #4 · answered by rwd420247 5 · 0⤊ 1⤋
If she has a card with her name on it for the same account, she can use it, but she is responsible for the debt.
2007-04-10 08:39:43 · answer #5 · answered by shermynewstart 7 · 1⤊ 0⤋
If she is using a credit card with no intention to pay for it is just wrong, and is theft.
2007-04-10 13:46:43 · answer #6 · answered by Jen G 5 · 0⤊ 1⤋
The estate is still responsible for the bill.
It will have to be paid from his assets.
2007-04-10 08:22:08 · answer #7 · answered by Zasu 5 · 0⤊ 1⤋
this isnt something that is just unethical-this is prison time type of stuff, this is no different than robbing a bank-it is stealing and committing fraud
2007-04-10 08:25:16 · answer #8 · answered by swenjj 4 · 0⤊ 1⤋