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My freind used her parents credit card after they had been deceased. When somebody called her house to speak with them a relative told the company they were desceased. Now the company is calling and wants a death certificate sent. What can she do to not get in trouble over this. Ignore the calls or confess and pay off the card?
Ignore it until when? They've been tipped off that the cardholder is deceased, so if they don't hear from the responsible party, they WILL be interested in reporting the fraudulent charges to the appropriate authorities.
At the very minimum, she should cut up the card and at least make the minimum required payment on the account until it's paid off...or better yet just bear down and pay it off sooner than that.
Her best bet is to just pay off the card. As long as they get their money it's unlikely that the credit card company would pursue fraud charges against your friend.
What could happen if she just chose to ignore it? Would they let her make payments or would she have to pay it all at once?
Payments???? Dude, are you nuts??? This isn't a bad debt - it's a CRIME. Nobody is going to be nice to her. Nobody SHOULD be nice to her. She's a crook.
Paying with MONEY is one thing, but she's risking her BUTT, and doesn't believe anybody wants it. SHE'S WRONG!
She thought was an authorized user on the card and just did not report her mother was deceased. She made payments up until a few months ago when a family member told them the mother was deceased. They never called back and stopped sending her bills. Today someone from the fraud dept at the company called and wants to talk to her. What can she tell thme to get this straight and not get in trouble? I do not think she has the money to [ay the entire bill off.
Maybe I didn't make myself clear. They are about to pounce upon her, and they are going to enjoy every minute of it! All that stuff about being an authorized user is subterfuge. I'm not buying it - neither will a judge. She committed a crime. They'll convict her. If she continues on this plain, she'll do time.
The absolutely insane thing about this, is that it can be cured, right now, with money - and she's fiddling around. She doesn't believe they'll do anything to her, or she'd collect cans. However, once her butt is in the slam, she's gonna wish she cleaned toilets in order to pay it off.
Or, the deep dark psychological crap, is that she wants to be punished. Okay. Here it comes.
OK, I know all that but what does she need to tell them to just pay it off and not get in trouble? I know the truth is always good but in this case she is embarressed and just wants to pay the debt. She is not a crook. I think she thought if she didn't say anythng they may just dismiss it as a debt. I also do not think she has the money to pay it all off at once. What should she say to the CC company to get things right?
I don't know what you don't understand. She committed a crime. There is NOTHING she can say that is going to change that. They know that. They're the victim.
Right now, they don't appear to have gone to the police. Therefore, at this point, they want their money, and if they get it, like RIGHT NOW, MAYBE, it will end there. Consequently, what she should say to the CC Company is: "What is the total balance, and to whom do I send it?"
IF she says that, I doubt they'll ask anything further. Saying ANYTHING less than that, however, will result in trouble. Just WHEN that trouble will erupt, who knows? A week, a month, a year, longer. Who cares? It's coming. How bad is it going to be? Certainly, worse than it is right now.
Dude! She needs to beg, borrow, sell cans, clean toilets, AND flip burgers - plus, if you care about her, and you apparently do, then you need to help her raise the money.
Let me say it again, there is NOTHING she can tell them. They want money - not talk.
excon
PS> Look, I’m not trying to be a hardass, but I’ve been there. There are times when you can talk your way out of it, and there are times when you can’t. This is one of the latter.
PPS> When and if she talks to them, tell her NOT to lay that crap about being an authorized user and all that other stuff. That'll just piss them off.
PPPS> I know, "she's not a crook" --------- Dude, YES she is! The quicker she acknowledges that what she did WAS a CRIME, the faster she's going to come to grip with reality. Plus, the chances increase that she won't do it again. That doesn't mean she isn't a nice person, who made a mistake. But, if she doesn't take care of it immediately, she'll be convicted, and it won't matter whether you or she THINKS she's not a crook, the whole world will know she is!
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