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All right let's go to canvas in Lynchburg Virginia hi Candice how are you tonight.
I mean how are you think he can -- thank you how can I help.
Well Lincoln's long story short.
Cheered again electrician nearing college my mom called me one day and all.
We're gonna get you a credit card and when we're gonna pay it off.
I really didn't think asking questions about his name and then be an all day 'cause -- know how many cars look and -- it straight.
I didn't know anything that is completely just being long.
Parents -- me a card in the mail at school and other pay all the bills and everything went there they are out there really wasn't keeping the bag united -- -- -- everything on long.
About a year after that.
About a couple months and hit my mom says and -- -- yeah current employer.
I didn't really asking a question and she said don't -- -- -- okay so again.
Yeah following treatment -- found out that.
I would they don't get everybody at the collection it will teach like 14100 dollar -- -- aren't a million card was in your name.
Yes my name they use on something.
I didn't find any thing now that they fraudulently signed your name.
I'm I'm guessing them get and that's how she must've gotten the kind.
Lots kind of sending your parent your own parents would steal your identity.
-- and they don't they -- the car that you didn't runner up.
You -- who borrow the 14100 box.
You know I I had the I did use the card.
-- but he -- -- not and never told me their.
Most of the good that day is that -- and late -- -- And I are back and enjoy it just can say without -- -- -- and never told me.
In time so it is your debt even though you didn't sign for tech quietly.
And in terms of the stuff that was bought on it you benefited from -- -- have you had a discussion with her about this.
I did I you know I followed her.
I had very you know like why didn't tell me he that it told me -- you couldn't make that payment card act immediately picked them up I've been.
Merit arrogant travel and that way how much are you that it couldn't care of that problem -- her -- -- -- back when I was here I'm sorry I don't want to do and golden.
When I found out about the -- eye contact BP.
Collection agency actual events and -- and made it all and because I had never seen lenient this statement or any launch.
And they did but they -- to her and yet but never got -- -- -- below and hit a week ago last Monday -- all the documents she ever got from the credit card or anything regarding the cold and I.
Found that I had art event -- the court and Hampshire.
I have to gave him -- -- -- and I had no idea all these document -- my name my home bag give up until two weeks ago.
-- -- How many other things has -- done this work.
Well until this happened I had no knowledge of any anger that they're talking with other family members in they're just kind.
You know she's -- -- and then you've been untrustworthy.
And I really didn't know that that is terrible -- -- Do you think she's only and other accounts and your name that you don't know about.
-- -- -- -- I don't think so because it kept my card check my credit score and -- my credit report and get your bill I think that's on there had ordered that.
Well I had my -- that.
My mama said dad and I live with my.
Dad my step mom and my dad going to China help me out period all the ultimate get my mom don't really have much contact.
Well what I would do is sit down when your mom and have a very blunt conversation that sounds something like this.
Mom I love you what you've done here is very very wrong.
And -- harm to me.
In the process.
And -- major word.
That you will never use my name -- anything ever again do you understand.
And you need to get real good closure with her on that you have to -- your relationship whether.
But she needs to -- understand that you think this is very very wrong because it is it's called criminal fraud.
Yeah that's what she's done.
And I don't and over.
Do this again because if you ever do it again they'll be a police report filed.
Then you -- -- teller that and that puts closure on that now than the other parts of this come up there's two or three ways to look at your credit card situation.
One in case you didn't sign for the credit card your identity was stolen you could fill out a police report.
And say that someone stole my identity happens to be my mom hears her address.
And so I'm not liable for these charges.
I normally would tell you to do that however.
You charged up stuff on the card and that's really the only thing on the card so she didn't really benefit from stealing your identity.
So if I were in your shoes what I would do is not that but instead just get with this credit card company and try to settle this debt.
And if you scratch together for 500 bucks offer them that a settlement in full.
They'll probably except that to settle the -- you'll have a bad debt on your credit bureau report that has been settled.
Which is better than a bad debt by far right now I got a bad -- on -- you need to do that in -- if you can get them to accept your -- -- -- you negotiate -- them.
Get into except for 5600 bucks you scratch that money together settle this debt be done -- forever and never.
And you get that in writing it from them and you don't give them any money and let you get it in writing.
Meanwhile you make sure they also change your address on the card.
On the account to your address.
And then what once you've gotten -- in writing from them that they will accept them an amount that you'll give them which is 45600 bucks somewhere in there then.
And only then do you send them a copy -- do you send them a cashier's check.
Or -- money order do not allow them to have electronic access to your checking account and do not give them any money until you have it in writing.
That it has to be settled.
And that that's what you've got to do and get this thing settled and get rid because it is your debt really.
Even though it came about in a very screwy and irresponsible way.
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