Question: Alison's father-in-law founded a nonprofit organization and opened a credit card. Now he put his son on the credit card and is delinquent on it to the tune of $20,000. How should they deal with this? Dave describes all the ways that this is very wrong.

Dave Ramsey's advice: Your father-in-law stole your husband's identity? He forged his name, and that's a criminal act. Let me give you some perspective. It's very difficult to discover that your father is a criminal. This is criminal fraud; bank robbery. You're not liable for any debt he runs up, but you'll have to file a police report. They will ask you if you know who stole it, and you'll have to say yes. This is going to be nasty.

Have your husband call the bank today and ask how much is on the card. Here are the steps. Go to the credit bureau websites (Equifax, TransUnion and Experian) today and put a fraud victim alert on both your names. Then have your husband call the fraud victim division of the credit card company and explain that your husband didn't sign for this card. Get up in their face about this, because these companies are scum. What should happen is that the thief should go to jail, but that probably won't happen. They will call the father and work out a payment deal with him, because they would rather do that than put him in jail and get no money.

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Question: Mike's ex-wife has been stealing his identity for years. Dave tells Mike to treat her like he would anyone else who has done this ... like a criminal.

Dave Ramsey's advice: Go see the district attorney, at the state level if you have to. Have her prosecuted and put in jail, because she's a thief. Put fraud victim alerts on all 3 credit bureau reports that you have ... Experian, TransUnion and Equifax.

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Question: Marilyn's son-in-law had his identity stolen by his dad, and $20,000 in credit card debt was run up in his name. What do they do about it?

Dave Ramsey's answer: What a scumburger! This guy's a bank robber! You have to file charges, but he's a criminal, so that's the right thing to do. If the credit card company said you are liable for something you didn't buy, then they are lying too and they are scum. They do this because people believe them and get scared and pay them. First Premier is as big a crook as this scum dad! If it were me, Marilyn, I'd pop somebody. That is UNBELIEVABLE! Your son-in-law doesn't owe any money. You have to file a police report, then call the fraud victim division of the credit card company and give them the information of the person who stole the identity, and tell them you are not paying them. If they pursue you after that, tell them you'll sue them into oblivion. BUST THEM IN THE NOSE!

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