Scooter_The_Squirrels_Wifey
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She would go to jail and probablly have to repay the debt.
The debt would not be your fault and would be expunged from your credit report. |
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robrarker
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That's identity theft. She would be responsible for it IF you turn her in. If not, your credit will be ruined. |
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wizjp
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SHe may do jail time; at the least, it will stop being YOUR debit and become HER debit.
Don't screw around; do it NOW. |
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keashka
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She's going to jail. It's fraud. So unless you the bill gets paid by one of you, the credit card companies are going to press charges against your sister. |
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Chris
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Make her pay it back or turn her in. You can file a lawsuit and make her pay it all back plus interest. That is identity theft, that is a felony |
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dumbuglyweirdo
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Sisters can't use each other's names and social security numbers in that way. It is fraud. Someone WILL be liable for the money.
(Says this, hoping my sister never does something like this to me....) |
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mrrparker
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Funny thing this exact same thing happened to me with my girlfriend. She took out credit cards as my wife and ran them up to $12K. First thing I did was call the credit card companies and they told me if she took responsibity for the money she owed they would transfer the debt to her name and then take it off my credit record. She refused and also refused to pay the debt off. To get the debt removed from my name I had to file a policy report and as soon as I did that the credit card companies removed the debt from my credit record. She then moved and it took the police over 2 years to find her but when they did she got 90 days in jail and also had to pay the credit card companies back. Call the credit card companies and see if they will work with her to move the debt to her name and off your record. Also run a credit report to see if you have anymore credit cards that she has taken out. Also put a credit watch on your credit record with one of the credit reporting agencies. They will notifiy you if anyone tries to take out a credit card in your name.
Funniest thing is she became a lesbian in prison. When she got out she started posting ads online with topless pics of herself wanting to date women. |
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faithful_tab
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Take her to small claims court or claims court.
Explain your situation at the trial date to the judge and it will be in writing that your sister owes theis money not you. And you can maintain your credit taht way by sending creditors after her for this money instead of you.
you will also have proof for the future if you have any problems with credit issues because of what she has done.
If she does not show up to court you just present the proof and the case is won for you. If she does show up you still present the proof and you get to argue your situation to the judge for a ruling.
She will not have to go to jail unless you put criminal charges on her. She is your sister, I would not recommend this because as much wrong she has done, she is still your sister and jail is not going to help but make her worse i think.
Just file a complaint with th ecourt and get a court date, make your court date and your case, get a copy of the ruling and save your credit and send the debt collectors to her.
Also protect yourself from any further occurances by checking your credit report every 3 months.
Good luck and God bless! |
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PrincessJ
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She would go to jail, and I'm not sure about the debt, but it will probably go into her name instead of yours. |
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Innowen
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She would be charged with identity theft and perhaps be forced to pay back the debt. What do you mean "IF" you turn her in? Do it, or else she'll never learn a lesson. She broke the law and broke your trust. She needs to pay. |
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josh35210
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SHE WOULD GO TO JAIL FOR THEFT OF IDENTITY ABOUT THE DEBT NOT SURE LOOK ON THE CREDIT CARD WEB SITE ABOUT THERE POLICY ON FRAUDULENT CLAIMS |
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catwomanmeeeeow
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What she did is illegal, and she would get into a lot of trouble. |
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robert w
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file a POLICE REPORT for Fraud ID Theft..
inform the banks of such.
inform the credit reporting companies of ID theft and the accounts.
suggest u visit daveramsey.com to learn ur hard lessons from others mistakes. it is cheaper.
look for zannder theft program , u''l have lots of time and money fixing this else wise.
Unfortunately for all of us , this type of THEFT is not prosecuted by locals or banks , so we all have to pay for the loses in this theft.
OR u can pay it off, NOT. |
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Been There
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If you turn her in, and the ensuing investigation proves she did it, she'll go to jail for theft, credit fraud, and identity theft. The debt will go with her, but you will still be left to rebuild your credit and get you financial life back together.
If you don't turn her in, you get to pay for her shopping spree, and she walks free to do it to you again someday.
Tought choice ... family or law ... but remember, your sister didn't take your wellbeing into consideration when she racked up $10,000 of debt in your name. You are the one left holding the bag here, and the law has changed in recent years to make it much more difficult to get out of earned credit debt without feeling a significant amount of pain. If you don't want to pay for her theft, you NEED to turn her in. While I appreciate your concern for her, you need to think about what could happen to you. Credit companies are relentless in the pursuit of their money, and you face jailtime if they think that you were a part of this theft. It is your identity, and you will be the first person they look to for wrongdoing here. You need to protect yourself.
It will be hard on the family, and your relationship will never be the same ... but I'm guessing it isn't that great as it is, or she wouldn't be using your identity to steal. |
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poetbjc64
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Even though she is your sister. If you let this slide then it will ruin your credit , and cause more troubles for you later. As she could continue to screw you over in other areas of life. Plus that is indentity theft and a felony, No matter who does it, or to who it happens to. Family is not acception.
For if she does it to you then she may not stop there. She could assume anyone's identity and begin to major lifetime of crime.
Go to the authorities about this. But I'd first confront her yourself and tell your family. As this action she's done can effect everone in the long run.
BUT DON"T ignore it . Call the credit company and explain to them that these cards are not your . that someone else used your name. |
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daremedy
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She's definitely facing jail time. All of her assets will be confiscated and everything she bought will be returned. You better turn her in because this is YOUR credit thats being screwed over, so you have to clear things up so that when you buy a house or a car or apply for new credit cards you dont get denied. Seriously though, if this was my sister, I would personally drive her down to the police station and let them have at her. |
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lillybob0y
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I'm not sure about what would happen to you or her, but you could always take her to vcourt. You need to turn her in, your future is at stake.
Good Luck |
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Simmi
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She is committing fraud. You should turn her in. If she keeps this up, her problems could be a lot worse. |
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white.wendell@sbcglobal.net
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By turning her in I assume you mean bringing charges against her. She may do some time for fraud! If you can prove that you didn't benifit from the charges you can probably get the court to set the debt aside. She, however may have to make restitution. |
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mrhthepoet
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Tough one. You love your sister, but why would she do such a thing to you? Is there more info? Like is she using drugs or is she just a shopaholic? If you turn her in, she would get into boatloads of trouble. But wouldn't she expect that if she committed this crime on anyone else? It just depends on you. Are you willing to go through all the drama in order to make her accountable, or would it be easier to pay the 10k? |
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v b
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Sweetie, if you don't turn her in, the credit companies will view this as YOUR debt and expect payment from YOU.
If she can pay it, or if your parents/you want to gift her $10,000 and pay the debt off for her, great. If not, something has got to give. Invariably that means filing a police report that she stole your identity and let the credit card company file charges against her.
At the very least, turn off the ability to charge anything new to these accounts and put a fraud alert on your credit history to prevent her from opeing new accounts in your name. You will have to renew the fraud alert every 90 days and get your credit history report on a regular basis to ensure that she doesn't do it again.
As for family, if she loved you she wouldn't have screwed you over. Turning her in is not being mean, it's protecting YOU. |
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Tunsa
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First cancel the cards.
Second, contact the credit bureaus and let them know that that should not share your information with any creditors until they have contacted you first. This will prevent her from opening up any additional accounts in your name.
Third, contact your creditors and let them know what happenned. They may write off the debt, but press charges against your sister for fraud.
If you don't report what happenned to the credit card companies, you are liable for the debt. If you don't want your sister to have a criminal record for fraud, you could try to work out a payment arrangement with her, but it doesn't sound like she has been very trustworthy so far. Maybe somebody else in the family or one of her friends will put up the money for her.
If you report the incident, she'll be arrested, but it is the only way to get the debt out of your name. Even if you don't report the incident, you should protect yourself from having this happen again by contacting the credit bureaus. |
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Kat
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First may I say thank you for your previous response to my question. Now. I realize this is your sister, but if you don't report her you may have ruined credit for life. She'll do a little jail time, probably just a few months if that. But it's not like going to prison. You can always request to speak on her behalf or submit a letter asking for leniency if you have good reason. Example, she has an addiction and needs help not jail. But if you don't get proof of what she's done in writing from a verdict, you may never be able to buy that car you need or home you want because her actions reflect on your credit report. I have a similar problem right now so I know what I'm talking. Besides. This will be for her own good. She needs to learn that for every act there is a consequence. Good Luck Sweetie |
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Mommy-to-Be
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First thing cancel the cards. She would most likely get prosecuted and get a community service, worst case she might go to jail. If u do decide to take this route she would have to pay all the money back not you. But if you decide not to you will have to pay the money back and if u cant it could ruin your credit. Can ur sister pay it off? If she can't and U can't afford to, maybe u should get a lawyer and have a contract done where she has to or u will turn her in. Good luck |
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WooleyBooley again
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Really? Sounds as if your sister is a true scumbag. If she did it without your knowledge, that's her problem. Turn her in. You are going to spend years getting your credit straightened out. Good luck. |
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P. C
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I'm not sure what would happen to her. It would likely end up with her on probation. Truly that's not what you have to worry about though. You have to concern yourself with what's going to happen if that debt isn't paid. Your credit will be ruined! Even if you have the money and pay it for her---she'd just do it again--and maybe for even more money. Stop worrying about what's gonna happen to her. She certainly wasn't worried about you when she ran up this astronomical debt. |
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Sweetie
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tough one since it is your sister. If you turn her in she will have a felony record. I'm not saying you shouldn't turn her in, but since it is your sister maybe sit down and speak to her about it and see if you can work out a deal that she pays off the debt to avoid you having to turn her in. Good Luck I know this has to be a hard choice. |
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Karl
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What a BLEEP she is. TURN HER IN! I wouldn't care what happened to her. well I wouldn't if you allowed her to. |
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shop2early
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Her Creditors knows she owes them money, believe me they keep calling and sending her bills, if she does not pay at least the minimum payment every month. What I don't understand, is why you feel you have to turn her in. There is nothing to turn her in, for. The only crime, she has committed is having to owe back a lot more than $10,000 if she does not hurry up and pay it back. That $10,000 will keep adding up interest and penalties. She may end up owing the times, as much when it is all said and done. Believe, me I have been there and done that. That is not a nice place, to be.
Have a nice evening. |
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Suzanne S
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If you don't do anything about it you are the one who will be resonsible for the $10,000. Its your credit she is ruining. |
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K96
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whoa mate I personally wouldn't turn my sis in but anyway she would be jailed for fraud |
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