Mom Stole Her Identity

Alleah's mom opened three credit cards in her name without her knowledge. Collectors are calling Alleah for payments, and she has no income to pay them off.

QUESTION: Alleah in Dallas just graduated from college. When she turned 18, her mom opened three credit cards in her name without her knowledge. Collectors are calling Alleah for payments, and she has no income to pay them off. Dave doesn’t think she needs to pay this off because it’s identity theft.

ANSWER: That’s pretty scummy. I don’t believe this was to help you. I think she spent it because she’s out of control with her money.

There are only two things you can do. The problem is there isn’t really any middle ground. Number one, what has happened to you on a technical basis is a criminal has fraudulently stolen your identity. You are a victim of a criminal act. If you were to not want to pay this, if you stole my identity, what would happen would be I don’t know you, so I would file a police report that said my identity had been stolen. I would turn that into the credit card companies and tell them I didn’t borrow this money. I didn’t sign for it. You should have checked the person out borrowing it more because a thief borrowed money from you. I didn’t borrow money from you, and I don’t owe you anything. And the credit card companies would say that’s right. With a police report and an affidavit, the debt would not be in my name anymore because you stole my identity. That’s the proper way to do this. But you have to file a police report and turn your mother in as being the criminal that she is. She has committed criminal fraud. She’s a bank robber. That’s what you’re facing.

The other option is for you to get six jobs and pay off a bill you don’t owe because a thief stole your identity. Personally, I think you ought to file a police report on this. By the way, sadly, they will not lock her up. They probably won’t even call her, but they should.

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