MShaf23783
Jan 30, 2007, 05:54 PM
I am reposting this question because I left out a few facts on the original post that I feel are important to an understanding of the situation.
I hope I can explain this situation clearly enough to be understood. Mrs A submitted a credit card application in 2001 for herself using her own Social Security Number with her daughter listed as an authorized user. Mrs A listed authorized daughter’s home address as the credit card billing address. Mrs A’s husband died in 1999. However, credit card was issued in the name of Mrs A's deceased husband with daughter listed as an authorized user. Only authorized daughter used credit card and made credit card payments. All credit card statements were addressed and mailed to Mrs A’s deceased husband and authorized daughter at authorized daughter’s home address.
Subsequently, authorized daughter received large amounts of cash through credit card courtesy checks. Mrs A died in 2005. Authorized daughter now denies any knowledge whatsoever of credit card or responsibility for any incurred credit card debt. The question is: Is the authorized daughter legally responsible for the outstanding credit card debt? Are there any legal ramifications to the authorized daughter's use of the credit card? Does this situation constitute identity theft and/or credit card fraud?
I hope I can explain this situation clearly enough to be understood. Mrs A submitted a credit card application in 2001 for herself using her own Social Security Number with her daughter listed as an authorized user. Mrs A listed authorized daughter’s home address as the credit card billing address. Mrs A’s husband died in 1999. However, credit card was issued in the name of Mrs A's deceased husband with daughter listed as an authorized user. Only authorized daughter used credit card and made credit card payments. All credit card statements were addressed and mailed to Mrs A’s deceased husband and authorized daughter at authorized daughter’s home address.
Subsequently, authorized daughter received large amounts of cash through credit card courtesy checks. Mrs A died in 2005. Authorized daughter now denies any knowledge whatsoever of credit card or responsibility for any incurred credit card debt. The question is: Is the authorized daughter legally responsible for the outstanding credit card debt? Are there any legal ramifications to the authorized daughter's use of the credit card? Does this situation constitute identity theft and/or credit card fraud?