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re: My MIL opened up a credit card in my wife’s name
Posted on 5/21/21 at 1:53 pm to Gris Gris
Posted on 5/21/21 at 1:53 pm to Gris Gris
quote:
I'd be surprised if mil has much, if any, equity in the home. If she resorted to stealing from her daughter, she likely used up all of her other options to get money. OP should be checking into her financial status.
Who knows if she opened other credit cards in other names?
So much this. And tbh OP should put a lien on her house to cover the racked up charges. That’s the only way to ensure that the debt gets paid off if she does have sufficient equity.
0
Posted on 5/21/21 at 1:57 pm to Jake88
quote:
Who can place one: Anyone can freeze their credit report, even if their identity has not been stolen.
What it does: A credit freeze restricts access to your credit report, which means you — or others — won’t be able to open a new credit account while the freeze is in place. You can temporarily lift the credit freeze if you need to apply for new credit. When the freeze is in place, you will still be able to do things like apply for a job, rent an apartment, or buy insurance without lifting or removing it.
Duration: A credit freeze lasts until you remove it.
Cost: Free
Federal Trade Commission confirms it is free to freeze
Posted on 5/21/21 at 1:58 pm to Jake88
quote:
It costs about $60 to do that.
Huh?
My credit has been frozen for years. It is free. This thread chocked full of bad advice
This post was edited on 5/21/21 at 1:59 pm
Posted on 5/21/21 at 1:58 pm to LouisianaLady
Yeah, I read your post and see that you’re likely right in that there is no incentive for the creditor to acquiesce to the transfer from a more creditworthy victim to a less creditworthy fraudster.
Jesus, what a shitty situation all around.
OP, you could have MIL sign a prom note to your wife secured by a mortgage on the house (again, check to make sure you’re only the second mortgage and no HELOCs or anything else). You pay off the debt now, cops don’t get involved, handle it personally with MIL, and recoup your money with interest when she sells the house.
Jesus, what a shitty situation all around.
OP, you could have MIL sign a prom note to your wife secured by a mortgage on the house (again, check to make sure you’re only the second mortgage and no HELOCs or anything else). You pay off the debt now, cops don’t get involved, handle it personally with MIL, and recoup your money with interest when she sells the house.
Posted on 5/21/21 at 1:59 pm to boosiebadazz
quote:
Jesus, what a shitty situation all around.
:( Yeah, definitely seems like it sucks when you care for the person who did it and don't want to harm them.
Posted on 5/21/21 at 2:01 pm to LouisianaLady
I had a family member who had a former partner owe him/her money and we handled it that way. The debtor owned a house free and clear and we had him/her sign a promissory note for the amount secured with a mortgage on the property. This was like 8 years ago and my family member just got a check because the person either sold the property or wanted to use it as collateral for something else and needed the mortgage cleared.
Posted on 5/21/21 at 2:02 pm to Newrow
quote:
Probably the worst place to post this but I have 3 sisters and mom who are too emotional to give me advice.
I don't have much advice per se.
But sadly this is pretty fricking common.
I had two friends years ago at LSU whose parents took out extra student loans in their name. Both friends' parents figured their kids would get good jobs and make enough to pay off the extra 10k on their student loans.
This kinda shite is one of the most difficult pills of betrayal to swallow. Good luck.
This post was edited on 5/21/21 at 8:28 pm
Posted on 5/21/21 at 2:05 pm to Newrow
What kind of purchases were made on the card?
If it was for necessities, I would probably try to help... if it was for luxuries and having fun that's another story.
Its basically like she stole 18k from you (Upper Teens)... depends on what she did with the money on what I would do.
If it was for necessities, I would probably try to help... if it was for luxuries and having fun that's another story.
Its basically like she stole 18k from you (Upper Teens)... depends on what she did with the money on what I would do.
Posted on 5/21/21 at 2:07 pm to Newrow
quote:
nurse anesthetist.
Wait... nevermind... these chicks make 6 figures.... She has a problem and took advantage of you and your wife.
Posted on 5/21/21 at 2:16 pm to BoogaBear
quote:
PIIHB
MIL?? Bloody Roids......No Bueno!
Posted on 5/21/21 at 2:18 pm to TheEnglishman
It cost her at least 100k to raise her daughter. I think neither you and your wife can ever repay that. There is something about honoring one's parents and the blessing that goes with it. God Bless!
Posted on 5/21/21 at 2:25 pm to peaceofthelord
quote:
It cost her at least 100k to raise her daughter. I think neither you and your wife can ever repay that. There is something about honoring one's parents and the blessing that goes with it. God Bless!
An example of this would be tending to an aging parent who's no longer capable of being independent, not saying "oh well" when they stole nearly 20K from you to fund a gambling habit.
Posted on 5/21/21 at 2:26 pm to peaceofthelord
quote:
Number of Posts: 1
Registered on: 5/21/2021
I know you’re an alter made for this thread, but if you turn out to be MIL.... oh boy
This post was edited on 5/21/21 at 2:27 pm
Posted on 5/21/21 at 2:28 pm to peaceofthelord
quote:
There is something about honoring one's parents and the blessing that goes with it.
There is something about not stealing another person’s identity and running up a massive credit card bill in their name.
Posted on 5/21/21 at 2:28 pm to Nguyener
God I hope that’s so
Posted on 5/21/21 at 2:29 pm to Oilfieldbiology
Plot twist: it's OP's wife.
Posted on 5/21/21 at 2:40 pm to Newrow
quote:
It’s in the upper teen thousands.
Can she donate the points to me?
Posted on 5/21/21 at 2:42 pm to Chad504boy
OPs MIL is a gambling junky who probably makes $175k as a healthcare worker and is about to be homeless. I bet the casual sex with this lady is just off the fricking charts. No protection, no pull out—the risk is the reward.
Posted on 5/21/21 at 2:45 pm to Newrow
quote:OT has already done this. Just being merciful.
Didn’t want to come out with it because OT might be able to figure out who I am or my family.
Posted on 5/21/21 at 2:51 pm to Oilfieldbiology
quote:
You help the wife by putting the financial burden on the mom, where it belongs.
Exactly this. I can't believe OP's wife isn't seriously pissed at him and thinking this is divorce worthy. You're gonna side with and help out your MIL that stole $20k from your wife, damaging her credit and possibly ruining your finances as a couple for the future? frick that.
You need to have your wife's back on this and I can't even fathom how you're not supremely pissed about this yourself, it's odd. Maybe if MIL was doing it to keep a roof over her head and food on the table when all other options were exhausted, but a fricking GAMBLING ADDICT that has a good paying job?!?
Wake the frick up, OP.
You need to take immediate action to rectify this situation in a way that doesn't enable the addiction any further, because MIL WILL find other ways to keep her habit if y'all let it continue. She's already stolen $20k from a loved one and put them in financial peril, imagine what she'll do next if her addiction continues unchecked. She's a nurse with access to highly illegal and profitable drugs, it's not hard to see where this goes.
Once again, WAKE THE frick UP OP and make the hard decision. MIL will be better for it in the long run.
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