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    nin1264's Avatar
    nin1264 Posts: 2, Reputation: 1
    New Member
    		  
    #1

    Jan 23, 2009, 12:37 PM
    Not my debt but it needs to be settled
    My mom got credit cards in my name and hers. She ran up the debt and was unable to pay it off. I didn't know anything about the credit cards until I started receiving letters from collection agencies. Can I settle the debt and have the negative debts removed from my credit report?
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
    Computer Expert and Renaissance Man
    		  
    #2

    Jan 23, 2009, 12:43 PM

    You can try. How did your name get on the cards if you didn't know about them?
    nin1264's Avatar
    nin1264 Posts: 2, Reputation: 1
    New Member
    		  
    #3

    Jan 26, 2009, 01:40 PM

    My mom opened requested them. She put us both on the account so that she could give one to me. She just never got around to giving the one with my name on it to me.
    stevetcg's Avatar
    stevetcg Posts: 3,693, Reputation: 353
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    #4

    Jan 26, 2009, 02:39 PM

    So basically your mother is guilty of identity theft?

    This is how I see it... either you deny the debt is your and your mother gets busted or you accept the debt, settle it and deal with the black marks.
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
    Computer Expert and Renaissance Man
    		  
    #5

    Jan 26, 2009, 02:54 PM

    Did mom put you on as a co-applicant or an authorized user?

    This is the key.
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