My grandmother and grandfather have accumulated lots of credit card debt mostly because of my mother (she stole their credit cards in the past and ran em up). I believe the debt is over ,000

Grandpas retired. Grandma still works but will be retiring soon. My mom can’t pay their debt all the people in my family work low wage jobs. They simply don’t care about credit anymore. They pretty much don’t need it. They have a place in their home country that they want to retire to.

I guess I’m the problem. The house, they want to leave to me. They almost did the reverse mortgage thing but realized that as soon as they leave it gets taken away. They also are uninterested in bankruptcy since it costs money. Theyve stopped paying a lot of the cards because they just can’t afford it. What should be done?
By the way, we live in Texas. No liens on property & no wage garnishment. More to add to their indifference haha.
They plan on retiring to a different country. No need for American credit there
@the kid: When did I say I would lose money? I’m concerned because they have worked hard all their lives and have helped me a lot, and deserve a break and to finally go back to their true homes outside the US

I worry because they’re my family and I have watched them suffer because of debt all my life. I want to free them of that burden.

I sold my car last year to someone for 00. He gave me 0 up front and we drew up a contract stating that the rest would be due no later than December 6th, 2010. When the time came, after many missed emails and calls he told me the car was in the shop and that he couldn’t pay it right then. After a great amount of emails and calls that went unanswered, I showed up at his house and asked his mom if he was there. He told me he had to file for bankruptcy and his lawyer told him not to say anything to anyone. He told me the car "had been taken" and told me to talk to his lawyer about it. After trying to leave a message at his office three times, the secretary got fed up and told me that there probably wasn’t anything that they could do for me and that I was named in the papers but they didn’t have the car and they have no idea who has the car. After this, I decided to do a bit of snooping online and have enough evidence to show that he still has the car and is even in fact trying to sell it online. He won’t respond to calls and keeps redirecting me to his lawyer. His lawyer answered the phone today surprisingly and told me that I was named as an unsecured creditor and that my pitfall was in not declaring a lien on the car when I drew up the contract. I asked him
‘If I were to go to his house and ask for the car back, would he have to give it to me?’
‘Bear in mind that he is my client and everything I say will be in his argument, but no, he has a right to the car because you gave him the title after signing the contract.’

I tried to contact a lawyer but he said he’d charge me 0 for a consultation.

I told the kid I’d need the money by the end of December so I knew I was going to be able to afford taking summer classes this year. Now I’m broke and can’t afford summer classes and might even
have to graduate late..this guy is ruining my life.

What should I do?

I just graduated college a couple months ago and can’t find work. I let my family take advantage of me and run credit cards up, so now I am ,000 in credit card debt. Part of which is a ,000 Care Credit account my step dad used to get false teeth after having his knocked out in an accident.

Now they are ignoring the debts they accumulated and promised to pay or they make excuses why they can’t. I’m an idiot for trusting them! I have sold everything I own to pay for the bankruptcy. I am being sued by two of the creditors.

I have no choice but to file bankruptcy since I have no income and no assets. I am seriously thinking suicide might be an option as I have always valued responsibility and utterly embarrassed by this situation.

I’m so frustrated. How can my stepdad put his teeth in every morning and not feel bad about the utter horror he is putting me in? To make matters worse, he just put a new pond and water fountain in for me mom for mother’s day, complete with bridge and all the pretties. They are also buying a new truck.

I hate my life. Is there a chance for me to recover from this and live a normal life? I am still keeping my car which I am current on payments, but I’m scared and confused.

Hello, thanks for taking the time to read this. I’m a 14 year old male and I don’t know how my life is going to turn out at this point. I live with my mom and sister while my father passed away when I was only 4, since then my mother hasn’t remarried. My mother has a fairly decent job which barley makes enough to pay the mortgage while my sister who is 26 and still unmarried has unfortunately just lost her job last week due to bankruptcy and is currently looking for a job that makes a good amount of income. My family struggles to pay the mortgage each month with little leftover for new clothes or to afford a new car.

All the time I hear my mom fighting over the phone with my grandmother and her sister who don’t help us at all and always ask or need something from us when we don’t even have enough to even support ourselves. My mother seems stressed and very depressed these days and gets angry when my father comes to her mind. Most of my family has died out just leaving us and lots of cousins but, they don’t keep in touch and wouldn’t want to help us in anyway. I don’t know why it has to be like this… shouldn’t family stick together and help each other out?

We are planning to sell the house this month and down-grade as well as another reason is that the area around us is becoming less secure and more violent. It makes me feel bad that we have to always lose more and more and I can’t really do anything about it or do something useful for anyone. I constantly get yelled at each day as well as have very offensive language used towards me for not doing anything right or being of any use to them. I swear I can’t do anything right and when I get called stupid I really do feel stupid and worthless.

Then there’s school. I really dislike school a lot! I have no good friends I just hang around a group of people everyday until the day is over just making those fake smiles and laughs while I’m around them so they see I don’t feel left out or anything. My best friend moved far away 2 years ago and we don’t talk much anymore. I do get invited out once in a while by some of the people at school so it’s not really much of a issue to me that I haven’t found the right friend who likes me for who I am. I seem like a very timid person at first to a lot of people but after a while I start to become more interactive with them and more conversational. I have also lost my motivation to go to school each day, I just really hate it there and waking up each morning. My grades have been dropping to I have been getting B’s and C’s these days, and not really putting in any effort into my work.

My mother always wants me to be a successful and outgoing person but, I’m pretty sure she’s given up faith on me. She expects me to be a doctor or scientist, I’m not against it or anything but I don’t really want any of those career choices she brings up. Something I love to do myself is dance and do choreography I believe that I am really good at it, such as if I would watch a music video or performance for a certain song such as Lady GaGa, Britney Spears, Michael Jackson etc.. I can immediately copy and perform the choreography in the video and do it precisely and very accurately. I even watch other peoples tutorials to see if I did it right and I see that I have done it perfectly. I also love music extremely much and I write my own songs and I have had compliments on my work from people who barley even know me saying that I am an amazing songwriter. A lot of the songs I write aren’t about love there more of a dance/party and feel good about yourself type of song. I have told my mom multiple times that I want to become a choreographer or ball room dancer and she tells me that it’s useless , I’m not that talented, or I won’t ever make it. I don’t want to cause more problems and start an argument so I just walk away and feel really upset afterwards. It’s my vision and what if I want to follow it? I don’t care if nobody believes in me there’s still a chance I can make that vision a reality if I really dedicate myself to it. I don’t know what to do… Go against her decision because she doesn’t believe in me and just wait till im a little older and start taking classes and make it a career?

I wish I could grant everyone happiness and support them because in my life it seems to be all about the money and finding love to them. I feel bad that I don’t have a father or my sister doesn’t have a husband as well as I don’t have a male role model to look up to making me feel less of man. I’m starting to hate life so much and I’m sorry to everyone that I can’t help in anyway. I’m hoping things will change and get better after so many years of problems affecting my family , right now I may live but I don’t feel so alive. I feel like an idiot and that im not smart enough for anything. “How will I survive in my life?” I always ask myself every night. I don’t even want to talk to my mother or sister anymore There’s just

Ok, this is unconventional – My mom is disabled. Her home was affected by Katrina. Her home is finally fixed. However, during the past two years, she’s accrued close to 0,000 in credit card bills to pay off some of the repairs since a lot the funds from the insurance and the government were not enough. Additionally, since she is disabled and receives little from the government, she has been unable to pay enough or on time. Her interest has gone up to 25-30% on 4 cards. I have good credit. I own a condo. I want to at least help her by getting a home equity loan (basically a second mortgage) even though I want to get a loan in a couple of years to buy a house. She’s considered bankruptcy with Chapter 13 in order to not jeopardize her home, which she paid off with some of the funds received from Katrina. It seems she has no way out; and I hate to be in this situation from my own financial balance. What can be done? She needs serious help; and I don’t want to jeopardize my credit.

Hello, thanks for taking the time to read this. I’m a 14 year old male and I don’t know how my life is going to turn out at this point. I live with my mom and sister while my father passed away when I was only 4, since then my mother hasn’t remarried. My mother has a fairly decent job which barley makes enough to pay the mortgage while my sister who is 26 and still unmarried has unfortunately just lost her job last week due to bankruptcy and is currently looking for a job that makes a good amount of income. My family struggles to pay the mortgage each month with little leftover for new clothes or to afford a new car.

All the time I hear my mom fighting over the phone with my grandmother and her sister who don’t help us at all and always ask or need something from us when we don’t even have enough to even support ourselves. My mother seems stressed and very depressed these days and gets angry when my father comes to her mind. Most of my family has died out just leaving us and lots of cousins but, they don’t keep in touch and wouldn’t want to help us in anyway. I don’t know why it has to be like this… shouldn’t family stick together and help each other out?

We are planning to sell the house this month and down-grade as well as another reason is that the area around us is becoming less secure and more violent. It makes me feel bad that we have to always lose more and more and I can’t really do anything about it or do something useful for anyone. I constantly get yelled at each day as well as have very offensive language used towards me for not doing anything right or being of any use to them. I swear I can’t do anything right and when I get called stupid I really do feel stupid and worthless.

Then there’s school. I really dislike school a lot! I have no good friends I just hang around a group of people everyday until the day is over just making those fake smiles and laughs while I’m around them so they see I don’t feel left out or anything. My best friend moved far away 2 years ago and we don’t talk much anymore. I do get invited out once in a while by some of the people at school so it’s not really much of a issue to me that I haven’t found the right friend who likes me for who I am. I seem like a very timid person at first to a lot of people but after a while I start to become more interactive with them and more conversational. I have also lost my motivation to go to school each day, I just really hate it there and waking up each morning. My grades have been dropping to I have been getting B’s and C’s these days, and not really putting in any effort into my work.

My mother always wants me to be a successful and outgoing person but, I’m pretty sure she’s given up faith on me. She expects me to be a doctor or scientist, I’m not against it or anything but I don’t really want any of those career choices she brings up. Something I love to do myself is dance and do choreography I believe that I am really good at it, such as if I would watch a music video or performance for a certain song such as Lady GaGa, Britney Spears, Michael Jackson etc.. I can immediately copy and perform the choreography in the video and do it precisely and very accurately. I even watch other peoples tutorials to see if I did it right and I see that I have done it perfectly. I also love music extremely much and I write my own songs and I have had compliments on my work from people who barley even know me saying that I am an amazing songwriter. A lot of the songs I write aren’t about love there more of a dance/party and feel good about yourself type of song. I have told my mom multiple times that I want to become a choreographer or ball room dancer and she tells me that it’s useless , I’m not that talented, or I won’t ever make it. I don’t want to cause more problems and start an argument so I just walk away and feel really upset afterwards. It’s my vision and what if I want to follow it? I don’t care if nobody believes in me there’s still a chance I can make that vision a reality if I really dedicate myself to it. I don’t know what to do… Go against her decision because she doesn’t believe in me and just wait till im a little older and start taking classes and make it a career?

I wish I could grant everyone happiness and support them because in my life it seems to be all about the money and finding love to them. I feel bad that I don’t have a father or my sister doesn’t have a husband as well as I don’t have a male role model to look up to making me feel less of man. I’m starting to hate life so much and I’m sorry to everyone that I can’t help in anyway. I’m hoping things will change and get better after so many years of problems affecting my family , right now I may live but I don’t feel so alive. I feel like an idiot and that im not smart enough for anything. “How will I survive in my life?” I always ask myself every night. I don’t even want to talk to my mother or sister anymore There’s j

They can get a no money down loan, BUT the property doesn’t have a garage & they will need to build one. The garage is what they want to draw from the 401K for.
I am dead set against this. They THINK they can just take out the money with no penalty & not have to pay it back at all. I think that is wrong.
Mom is a homemaker, Dad has a good paying factory job. He is SUPPOSE to be less than 5 years from retiring!! Mom acts as if she knows their finances inside & out, but when I was a kid, she "handled" the finances by maxing out credit cards & they had to file chapter 13 bankruptcy.
I so badly want my parents to move into a home of their own & stop renting. I think the home they are interested in is the best one suited for them. However, I’m afraid that my dad is going to be the one who suffers because my mom is out of touch with what taking that 401K money means.
Yes, Dad is passive & doesn’t like to "wrestle" with my mom.
It seems so much simpler to just leave the 401K alone & take out another loan for home improvements…….HELP
How do I convince them NOT to use HIS 401K towards a freaking garage?

I am declaring bankruptcy in Florida. I have a 2006 Honda Accord SE with 130,000 miles. It is in excellent condition. I looked online and it has the KBB value at around ,000. My lawyer said that the trustee may not ask for an appraisal but there was no guarantee. He said he was going to state that it had high mileage and wasn’t running great etc (which obviously is not the truth but I am trying to keep my car) Anyways, he said the trustee may contest me keeping the car and try to claim it. My mom bought it in 2006 and paid in full for it so I have no payments. My mom and I are both on title. Do you think they will contest it in court? I am worried and just might end up trading this car in and making payments on a new one that way it would be protected. I would then put the car solely in my mom’s name. Thanks for your help.

Do you think they will take my car?
I am declaring bankruptcy in Florida. I have a 2006 Honda Accord SE with 130,000 miles. It is in excellent condition. I looked online and it has the KBB value at around ,000. My lawyer said that the trustee may not ask for an appraisal but there was no guarantee. He said he was going to state that it had high mileage and wasn’t running great etc (which obviously is not the truth but I am trying to keep my car) Anyways, he said the trustee may contest me keeping the car and try to claim it. My mom bought it in 2006 and paid in full for it so I have no payments. My mom and I are both on title. Do you think they will contest it in court? I am worried and just might end up trading this car in and making payments on a new one that way it would be protected. I would then put the car solely in my mom’s name. Thanks for your help.

Well, i just turned 15, and… we moved several times in the past year, and we lost our house and some of our stuff to bankruptcy. First living with my grandmother who is dieing of cancer, and always used to cuss at me. She was always concerned with herself and never even cared… but i can understand that, she is dieing, and she is old. But my dad yells at me all the time… for stupid stuff.. i mean not cleaning up my room, or stuff i don’t even do. He tells me that i can never do anything right, and that i’m fat and lazy. I’m not lazy! I do what is asked of me! I sometimes forget! I’m always so depressed, and i cut myself. My mom never gives me the time of day, nor my dad. I’m home schooled, and I don’t really have any friends in this new town. They are always fighting, and always yelling. My brother calls me a b**ch and other really bad names all of the time. I mostly stay in my room, and just do my schoolwork by myself, (it’s an online school program) and try to stay away from my family. I’m scared that they will yell at me, for something, or fight with each other. I can’t wait to turn 18 and leave. I feel so alone, is this abuse/neglect? I don’t know, or is it me just being over sensitive?

I just found out my husband of over 2 years has been watching porno videos online when I am not around! We both have separate computers even though I think we only need one (and now even more reason stands!) but he doesn’t like for anyone to get on his computer. Today I got on it because I was filling out some bankruptcy papers and his desk just happen to be cleaner than mine. I needed to check our credit reports and print them out. Well I accidently X’ed out the the site I was in and went back to the drop down to click on it and noticed that there was a recent website about nude women! I went to it out of curiosity and it was disgusting! That is all I will say besides the fact that after that I looked into his history and found SEVERAL videos.
I have always been faithful to him. He said it was only a couple times when I was pregnant but what he doesn’t know is that i found videos with in 3-6 days ago! What do I do? Would you consider this cheating? I love him so much but I am so mad and we have a newborn son! I don’t want to leave him but I don’t know what to say to him. I am almost tempted to leave for a few days and go to my mom’s but I don’t really want anyone else to find out… Help please?

I hope when people read this they do not judge…as I am only asking a question to make a decision. Over the past 3 years, my husband and I have lost about 00 in income per month due to job losses and pay cuts. This was immediately after purchasing our new home during the housing market boom. We managed to stay afloat by going through all my 401K money, and my husband taking a second job. It soon got to be overwhelming, with us having 3 children. Many times neither of us saw my children for days due to the fact that we were both working evenings. They are age 14, 13, and 7. The stress of having to take care of everything was beginning to effect my daughter, so I decided enough was enough. Some things are just more important than that big beautiful home. I made my husband quit his second job, so that someone could be here with the kids in the evening. We have since filed chapter 13 bankruptcy, as we were getting taken to court to be sued by a few of the credit card companies. My mom saw how stressed out we were, and came to us and asked us to move in with her as my father passed away 3 years ago unexpectedly. She wants to help us and in turn it would help her as she is by herself and could use help keeping the home repairs up not to mention she is terribly lonely. She doesnt want us to pay her anything, which would allow us to save a lot of money and get back on our feet financially and she also wants me to go back to school so that I will be able to get a better job in the future. (I was halfway done with school when I had my first child and had to quit.) We are very fortunate to have this opportunity. We currently have put our home up for sale and are in the process of chapter 13. I doubt we will sell our home with the housing market being what it is these days. So we made the decision that at the end of the school year we will move into moms. I will quit my job so that i may attend school full time, and we will convert to a chapter 7 bankruptcy, and let the house go into foreclosure. It was a very painful decision for us, and we have lost a lot in trying to keep up. My question to everyone is…if you had this opportunity would you take it? It is a gut wrenching decision for me and my family, so please dont think we are taking the easy way out.

My sister said a lot of hurtful things to me when she was drunk, like her true colors were coming out. Also, she texted me to get her junk food which I did, but now she’s telling everyone I’m trying to sabatoge her diet when she’s the one who friggin told me to get her stuff and I went out of my way to do it. She also said stuff like I don’t know how hard she has it and i have it the easiest, when she’s the one who collects unemployment checks and lives rent free at my mom’s, bragging about her shopping spree and trips 24/7 on Facebook while I’m getting ready to file bankruptcy and going through nervous break downs. The part that makes me mad is this is the kind of stuff she tells others behind my back when she’s sober, that I have it easy and am mean to her and sabatoging her diet, when she sets me up and lies and I don’t know what to do other than simmer in my anger. I try to be nice but it’s dam if I do and damned if I don’t with her. Now she’s posting on facebook all the salads she’s been having because I ruined her diet but that her will power is strong enough to overcome what anyone tries to do to her BS. I’m like wtf. SHe’s just so jealous of me she tries to portray me as the bad one online to our friends and family when did I mention she was the one who was drunk (with 3 small children) and I was the one trying to take care of her (and her children fed up with her). And everyone on Facebook ends up kissing up to her and ignoring me. Am so angry with her manipulation. What can I do?
just knowing someone read this and understands makes me feel better, thanks!

My mom and my step dad have declared bankruptcy one or two times in the last 10 years. My older brother now lives with them because his health hasn’t been so great for some time. Needless to say their credit isn’t so good after filing for bankruptcys. Now I hear the bank has gone to foreclose their home and they say to us, their adult children that they have their lawyer working on it but don’t tell us much else. My parents havent made such great choices about their money in the past so we are pretty skeptical. Not only that a majior reason why they are in this finacial hell is because my step dad fell for an internet e-mail scam. I and my brother am trying to help them as much as we can with our own practical smarts but they haven’t told us any details so far. From what we gather my parents could be housless come Febuary. What can be done to help them legally and, or what would you do about all this?
I don’t know what form of bankruptcy they have filed this time.. but they say they will be required to pay all of their bankruptcy debts off and keep up with all of their incoming future bills they will have too.
Step dad works two jobs. My mom is on disability. My older brother also works but he is the one who has been sick (and even though its not HIV or AIDS he may also be ill for years to come too) is now working at a Taco Del Mar.

My mom and my step dad have declared bankruptcy one or two times in the last 10 years. My older brother now lives with them because his health hasn’t been so great for some time. Needless to say their credit isn’t so good after filing for bankruptcys. Now I hear the bank has gone to foreclose their home and they say to us, their adult children that they have their lawyer working on it but don’t tell us much else. My parents havent made such great choices about their money in the past so we are pretty skeptical. Not only that a majior reason why they are in this finacial hell is because my step dad fell for an internet e-mail scam. I and my brother am trying to help them as much as we can with our own practical smarts but they haven’t told us any details so far. From what we gather my parents could be housless come Febuary. What can be done to help them legally and, or what would you do about all this?
I don’t know what form of bankruptcy they have filed this time.. but they say they will be required to pay all of their bankruptcy debts off and keep up with all of their incoming future bills they will have too.
Step dad works two jobs one as a school janitor and the other as a large route news paper carrier. My mom is on disability. My older brother also works but he is the one who has been sick (and even though its not HIV or AIDS he may also be ill for years to come too) is now working at a Taco Del Mar.

okay, what has really happened is my mom borrowed money from one of those cash advance places. She wrote a post dated check for 0 and was given 0 dollars, while the check was held as collateral. Now she is filing chapter 13, and she listed the place she borrowed from as one of her debtors. What will happen to that debt? Legal professionals only please!
i do not think this is a recent debt…it happened in august or earlier.

This month I’ve been dealing with a relative. She bought a brand new HDTV and gave me her old one. My husband has been wanting one but keeps items til they break. The picture has a long shadow that is very annoying when watching TV. So this means that probably the set is broken. We have to go today or tomorrow and rent a new TV since we gave away our old tube TVs to Goodwill.
Yesterday, she and I went to see a ballet. She promised to pay for my ticket. She backed out at the last minute, but I wanted to go anyway so I ended up paying for the ticket. Next, I asked her to return a gift for me while I parked my car. The item had a gift card used to pay for the item. I didn’t realize it at the time but she short changed me nearly . The clerk reimbursed the item partially on a store credit gift card. I realized this when I went to pay for my order at the store.
She’s been having a bad time lately with her dog being sick so I didn’t want to offend her.
However, I mentioned it to my husband and he basically blew up! I would never keep money that wasn’t mine.
For some reason, she thinks because my husband makes a good living that she can take advantage of us. My husband and I are in a chapter 13 bankruptcy with court payments of close to 00 a month out of our monthly income. So even if we do make a good living that really makes it so that she makes more money than us at the moment.
She has only rent, electric and a cable bill to pay. We have rent, car payment, car insurance, electric, health insurance premiums (which have gone up), cable and several miscellaneous bills. So we’re paying triple what she pays per month. Also, she is driving my car and we’re paying the insurance on the vehicle. That’s going to change in February or sooner. She buying another car herself. She wants to use my car as down payment. That ain’t happening either!
My mom spoiled her as a child. But to lie and steal from her sibling is wrong. What should I do to make her realize that I’m not the corner bank? Thanks.

I was an authorized user on my Mom’s Credit Cards….?
Now they are saying I need to pay, her unpaid bills.
I was a minor when put on the credit cards as a authorized user, and now they are saying I’m the joint account holder, when she never signed me up for that I was a minor! Now, I’m only 18.

Anywho, she’s filing Chapter 13 bankruptcy on her CC debt, (the ones with my name on them too) but they are saying even if she does, I’ll have to as well. Shouldn’t the debt just be taken care of once she files Bankrupcy on it, or can they really make me file bankrupcy as well, to get it out of my name?

It’s already effecting my credit, as we never gave them ANY information other than my name and maybe my birthdate, but somehow, when I went and checked out my credit report, all the 4 credit cards that I was authorized user on, are there…. showing that Im in default.

What can we do?
Will I really have to file, EVEN if she does?!
Thank you for the help… We know this is a bit of an odd situation but I don’t need to hear how wrong she was…. We did what we needed at the time….

I was served yesterday legal papers that I’m being sued for less than ,000.00 by my creditor, first I’m unemployed, I looked up online and found a lawyer that charges 50 for filing bankruptcy, I need to know the best option and plus I don’t have any money! they only thing I own is my car which is been paid off, I know it sounds like a radical question but how are they thinking of getting paid by me when I don’t have any assets? are they trying to take away my only property which is my car? and plus I can borrow money from my mom( I’ve been living with her)(her salary is approx: ,000 annually)(since I’ve looked over the fact that they see if you’re living with someone they might take them responsible as well!)(so she can’t be because we’re already below the minimum salary rate) anyways my radical question is should I even get bother by it? I mean they can’t get anything off of me! I’m flat BROKE! my bank account is even overdrawn by thousands! and since if you’re answer is yes<< (you are being sued so start the PANIC ALARM) which is best? and do attorneys from nonprofit organizations do the same work as an attorney who gets paid some 00 ? (I mean if it’s him charging me because he will go to court and file my papers and stuff..)(hearing meeting is %100 me<< so I’m wondering to go cheap with it to prove to the court that I AM BROKE for real! or borrow money and pay the lawyer! which is best?
Thanks:)

This is complicated. My mother took out 5 loans when she needed them the most. .. u know., those fast cash payday type loans, 2 in town and 3 online. She originally owed 1500 but now owes 2500 due to interest (if u add all the loans up). Now here is her situation: she became gravely ill in 2004 and had to quit work and due to major major (organ transplant ) issues and issues that have almost taken her life several times SINCE the transplant, she can no longer work and is on social security disability. Due to the horrible medical situation she was in for literally years where she spent the better part of two years in a hospital, she had to file bankruptcy 3 years ago. She also lives with my grandmother and they share a bank account (moms SSD and gramdma’s retirement she recieves each month. Now I have two major questions here: (1) what can they do to my mom? they can’t jail her or anything can they?? or take away what she owns ? (she doesn’t own a home just rents, she does own an old car. (10 plus yrs old) She said they never asked her to put up any kind of collateral what so ever… on these loans. Just gave them her checking acct information.She absolutly could NOT survive in jail., no way whatsoever. Also, can they take my grandma’s money? They do share an account but my grandma’s name is NO where on any loans at all. She had nothing to do with the loans. She is elderly and needs her money for HER own meds and needs. I am so very worried for my mom. Please help