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  1. #1
    Join Date
    Oct 2010
    Posts
    1

    Default Mother Ruined My Credit

    I let my mother use my SSI# to help build up credit in my name two years ago. I have found out that she is past due on all credit cards. She has taking out several payday loans and have not paid the loans back.Loans sharks have been calling me threatening to sue me. I cannot pay balances for the credit cards or the loans so my credit is destroyed. I can't file a police report because my mom will to jail. What can be my next step?

  2. #2
    Join Date
    Mar 2005
    Location
    Michigan
    Posts
    28,906

    Default Re: Mother Ruined My Credit

    Consult a bankruptcy lawyer.

  3. #3
    Join Date
    Jan 2006
    Posts
    38,867

    Default Re: Mother Ruined My Credit

    Quote Quoting nicegirl23
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    I can't file a police report because my mom will to jail. ?
    No. You cannot call the police because you are as much to blame as she. You allowed the use of your SS#. This is not a criminal act against you by your mother. You both jointly conspired to commit this deception.

    Aaron, will this be dischargeable in BK due to the fraud involved in the inception?

  4. #4
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Re: Mother Ruined My Credit

    What would be the act of fraud by the debtor?

  5. #5
    Join Date
    Jan 2006
    Posts
    38,867

    Default Re: Mother Ruined My Credit

    Quote Quoting Mr. Knowitall
    View Post
    What would be the act of fraud by the debtor?
    As I read it, the OP did not open the accounts but allowed the use of her information to allow mother to open the accounts. Apparently OP had no intent of paying the accounts. While it was not an active participation, she was still complicit in the deception of the creditors that has lead to the debt. Her allowing the mother to open the accounts using her information is why the creditors are likely to lose the money they are trying to get from the OP.

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