- April 28, 2024
- Posted by: legaleseblogger
- Category: Related News
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A few weeks ago, I received a disconcerting letter from a debt collector claiming that I owe money for an electric bill in a state where I have never resided. Immediately, I contacted the authorities to report the situation and deny any involvement. However, to my shock, a detective informed me that there was a house in that state linked to my name, which had not paid rent. Furthermore, someone had supposedly gone to court on my behalf, implicating me in the situation.
After further investigation, the detective revealed that evidence pointed towards my mother utilizing my identification and Social Security number without my knowledge. Feeling overwhelmed and conflicted, I refrained from pressing charges against her, despite the detective’s insistence that I should take legal action to prevent her from exploiting me in the future.
The weight of the situation weighs heavily on me, as I struggle with the realization that my own mother may have committed such deceitful actions. I contemplate confessing to the detective that I allowed my mother to use my information, fearing the potential repercussions on both of our lives. The stress and guilt have become unbearable, as I grapple with the uncertainty of my mother’s fate if charges are brought against her.
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You either make a police report of identity theft or you are responsible to pay the debt, and any other debts your mother accrues in your name. This will affect your credit rating, your ability to rent you next apartment, and if you will EVER be able to buy a house.
This is identity theft. What your mother did was illegal and fraud. You’re not the one that should be feeling sorry. You need to protect yourself and your future.
What kind of parent would do this to their child. I’m sorry she did this to you but you are in denial about your mom. You are thinking she is the parent you wish you had, not the one you have. Let the officer press charges and do not perjure yourself. She has already tried to deflect the blame on you ‘for not telling her to pay it’ when she already falsely sent someone to represent you without your knowledge to hide her misdeeds . Who knows what else she has done or what credit cards and loans she has taken out. If you don’t address this now, you will be facing a lifetime of trouble. You can even lose out on job opportunities.
Run your credit report. You can do so for free. If she rented in your name, she may have taken out credit cards in your name. You need to know the extent of the damage she’s done to you ASAP. I’m sorry, but this will follow you for the rest of your life. You need to stop it now and any creditors will demand proof you filed a police report.
Don’t say that you let her use your name. First, that’s lying. Second, you need to protect yourself because your mom clearly isn’t trying to protect you or help you. I’m sorry you are going through this. I’m sure your mom didn’t want to hurt you, but she has to face the consequences of her actions.
Honey. Your mother committed a felony *and decided to make you her victim.* She specifically decided to victimize *you* because she planned to take advantage of your love to avoid facing any consequences. Please consider pressing charges.
Simply tell the truth to the police. I didn’t rent a house or anything else in x state.
If you say that you allowed your mom to use your name/ss number you could be liable for everything. Collections for accounts you didn’t know about, back rent or even having an eviction on your record. She could also use your identity if she needed medical care. If she continues this you could be in a world of financial pain and time consuming legwork.
Your mom who is supposed to protect and support her children made a choice let her deal with the consequences.
You need to let your mom suffer the consequences of her actions, or YOU will.
My biggest regret is not pressing charges against mom when she stole my identity, I have a 450 credit score, only auto loan I qualified for had a 30% apr, and the only apartments I qualify for are shit. I don’t know your relationship with your mom but I was already no contact with her and was guilted into my decision to do nothing. pressing charging wouldn’t have rlly changed anything, lol. It always goes deeper than you think too. Do not feel guilty, she’s committed a crime and ruined your finances. I’m slowly rebuilding my credit but it will take years and I’m paying the consequences for her decisions.
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You did nothing wrong calling the police. You should let things fall as they may and allow the police to press charges. They did something that was clearly in the wrong, and could severely mess your life up. You have to let your mom deal with consequences of her actions. You can’t stop what happened, and if you do nothing, it will only harm yourself and your mom will continue abusing your credit score.
Honestly I can’t believe a mother would DO this to their child. It’s almost sociopathic….
>He asked if would I Press charges. I told him no, I don’t think she would do that.
First things first, you need to get out of this mode of thinking. Everything you thought you knew and loved about the woman who gave birth to you has now evaporated into thin air.
Unfortunately stories like this are not uncommon either, yes, she’s your mother and “family is family” etc, but the reality is, her taking out credit and using your SSN has really serious ramifications for your future in ways that aren’t immediately apparent.
If she has defaulted on any of the loans credit cards or utilities those defaults will stay on your file for years and will impact your ability to obtain finance in the future for things like, student loans, bank loans, car loans, mortgages, some landlords will run a credit check on you and refuse to lease an apartment, it can even affect your career prospects, for example, if you work for a bank or financial institution they’ll also run credit checks and can refuse to hire you if anything comes up on your file as you might be seen as too much of a fraud risk – so already your reputation as a potential employee is at stake.
The creditors are making you aware of disputes that have already happened in recent months, she may still be accessing credit on your name as we speak which you won’t know about for another 6-12 months when it’s going to be harder to deal with as creditors don’t always chase missed/late payments straight away, there’s normally a grace period of anything unpaid that the person taking out the credit is normally aware of.
Contact your bank and ask to speak to the fraud department and tell them what’s happened, they or someone else will be able to run a credit report to see if there’s anything active that hasn’t been seen yet. Get them to put warnings on your accounts so that no-one else can use details you’ve provided without your permission.
You’re also going to have to have a difficult conversation with your mother whether you want to or not, when asking her for an explanation she’s very likely to either:
A) Deflect and pretend that she doesn’t know what you’re talking about. Don’t forget she has already willingly lied to the courts on your behalf so she knows how serious this is.
B) Quickly become highly aggressive and emotional, may even start crying to guilt you into not pursuing anything against her.
C) May confess but then realise that she doesn’t have a way to help you fix it either.
Taking out legal action will stop her from doing this to you or anyone else, this is very important if you also have any younger siblings or vulnerable family members, you’ll have to inform the rest of your family.
If she can do this to you she can do it to anyone, say you have a grandparent or elderly relative on social security/government aid because they can’t work or are vulnerable, she commits fraud in their name and the government stops their aid in response, they’re now screwed and can’t support themselves.
Do not wait, take the harshest possible action you can, it is about self–preservation, not feel-good sentiments about family. Family don’t do what your mother has and is doing to you.
stop feeling guilty. do not contact your mom. she is the one in the wrong, and if you don’t realize this, it’s because your normal meter is broken – likely from being raised by her. let the cop press charges, lock down your credit, and let her deal with the consequences. don’t even consider saying you let her use your id, because that means you were complicit in the fraud. if she was an honest person, she wouldn’t have put you in that position to begin with. and would have paid it, to prevent charges. but she’s not, and her own credit score is probably jacked from not paying her own bills. you won’t recover from taking the fall for her. you can lose job opportunities etc, for having this on your record. work with the police, not your mother.
Is this ragebait? No person in their right mind would let their mother buy/rent a home in their name, take out utilities in their name, AND then go to court on their behalf. So many points she should have seen that it was very wrong to be doing. You need to call the officer back and tell him you want to press charges like theirs just no other way unless you want to let her keep committing identity theft and fraud.
Press charges. She shouldn’t have done that.
Another problem with letting this go and lying to the police about permtting your mother to do this: What else has she used your name for? This could be the tip of the iceberg.
Why do you feel guilty? Your Mom did this! Moms are supposed to protect their children regardless of age. Let her deal with her criminal act.
If this was a house purchase and she used your name, she can also affect your own house-buying experience, should you be lucky enough to buy one. There are house-credits and tax advantages for first-time buyers that she may have just stolen from you, which could run to thousands of dollars. And while you may feel badly about getting her in trouble, did she *ever* even talk to you before doing this? She knew it was sketch and did it anyway. She should have a consequence. She committed fraud.
This is either a fake post or you don’t care about your future as an adult.
Your mom is a grown woman and should know better. The fact she would rent property in your name, put utility bills in your name is absolutely wrong. You were summoned to court for non payment, she tells you all you had to do was tell her and she would pay it? That’s a joke, if she really cared she would have done all of this in her own name and paid her own bills or she would have paid everything without you knowing so it didn’t come to this.
There’s no need to feel guilty for your mother’s stupidity/ignorance. Also, understand this, her boyfriend went to court for you, which means he now also has your personal information.
Press charges and let her take responsibility for her actions.
If she WOULD have paid it, then why didnt she in the first place? Its because she didnt care until she was caught. OP this will follow you if you dont file a police report for identity theft. Its time to start thinking about yourself, since your mom clearly didnt.
>I feel so bad about all of this. I didn’t know she would do something like this. I think I will call him back and tell him that I let her use my name.
Please do not do this. Your mother committed fraud. Do not feel bad for her facing the consequences of her actions. She didn’t feel bad when she stole your identity, went to court for you, and lied to a police officer about the situation.
If you say that you let her use your name, you are responsible for all of this debt and any other in your name she may have incurred that you are currently unaware of.
There is no reason to feel guilty. Your mother did not have to do this to her child, she chose to.
You will be financially responsible if you say you allowed her to use your identity.
Please do not lie to protect your mother. She is already lying to get you into trouble. She didn’t just use your identity, she accrued debt in your name and defaulted on it. She knew it would fuck you over and didn’t care. If you take the fall for her this time who knows what other accounts she has opened or will open with your identity and information? Understand she is stealing thousands not from you but from others# in your name.
If you don’t allow her to be prosecuted now, you’re handing her licence to steal not only what you have but to bankrupt you over and over. She will get bolder and the debt will grow. What she is doing is theft in your name from debtors who will not let you off. Your wages will be garnished, bailiffs will seize your possessions, and you won’t be able to buy a car or a house or possibly even rent a home. You’re looking at homelessness or gaol if you let her. They over 10k is a felony and you’re looking at gaol.id you say you gave her permission this won’t end it, it is only the beginning of the hell coming g your way .
The best thing to do even for her is not enable her. Let her sugger small consequences now not gain confidence to escalate. You cannot protect her from this. It is not between you. She is going to pay eventually. She chose to put you in this shitty situation without a thought for your wellbeing.
Thus can really effect you long term, you can be legally liable for everything if you don’t press charges. I would talk to her and give her an ultimatum to get everything in her name or face the consequences. If she doesn’t switch it over, then file. She is taking advantage of your kindness.
Why do you feel sorry for someone who stole your identity and put your financial interests at risk?
Please press the charges. As a mother I would NEVER do this to my child. This will ruin your credit for a long time if you just let her get away with it.
Why would she pay now when court wasn’t enough to force her?
One of you is getting into trouble, her legally or you financially. There’s no clean “out”. So your choice here is to be honest and save yourself, or lie and suffer the likely lifelong consequences to save her.
I hope you chose to be honest. This is a situation where the cliché “the truth shall set you free” is the answer.
If your mother cares about you she never would have taken advantage of you like this. It isn’t your job to save her now.
I assume you, like me, have had a difficult upbringing and relationship with your mother. I assume you think you are somehow responsible for her and her feelings.
You feel responsible now for HER crime. You don’t want her to be hurt by your actions (reporting ) but that’s not what’s happening. She will be hurt by HER crime. You did the right thing reporting it. She will continue to take advantage of you and abuse you if you let her get away with this.
Additionally, you have no idea yet how for this goes. You need to press charges, lock your credit, and go about finding every use of your social security number.
Do not let your mother gaslight you.
If you say you lied you can be charged with a crime. Don’t hurt yourself to save someone who is trying to throw you under a bus.
So you want to be a liar just like your mum? You want to support people breaking the law? This is why law enforcement get frustrated. They do the heavy lifting and then people like you don’t help them enforce the law. I hope you never ask why police are not doing their job or why criminals get away with crime. Do the right thing for you and society. Think of all the people your mum has lied to and defrauded.
If you don’t press charges then you need to pay for all the debts she wracked up in your name. If you don’t press charges consider your finances fucked for life or atleast her life
She is counting on you letting her get away with it. She has probably ruined her own credit and its now going to ruin yours.
Her husband is in on it and conspired with her to cover it up.
How many other ways has your mother used you in the past? I’m betting this isn’t the first time she has made it clear that her interests are above yours.
Press charges.
Your mother is committing fraud and racking up debts in your name, through her actions and her lies she’s shown you her wants are more important than you. Why on earth would you protect her? Acknowledge the debts and lie to say you gave her permission and the repayment is your responsibility
When my sibling was a kid, my mother used their name on the electric bill. When they became an adult they found out they supposedly owed all this money to the electric company.
Don’t let your mother take advantage of you. She could have just asked you, instead she stole your identity. That’s so not ok.
Definitely press charges. Otherwise you will end up like me, and unable to get loans for vehicles, purchase a house. My parents did this to me, when I was a teenager. As far as time for them? Likely they will not get any time, it will probably be some sort of probation/house arrest type of thing. I could be wrong, but as a business owner, I have seen many friends have employees who embezzled a lot of money and barely got a slap on the wrist for it
What kind of mother would do that to a child? mine. Mine. Would.
I actually got a letter a few months ago that my social security was used to try to open a credit card, I guess she fucked it up enough to where that doesn’t even get approved