- Mirthless
- Mar 27, 2011
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by the sex ghost
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Succinctly, with updates to follow:
My 23-year-old sister is bipolar and has had problems with compulsive shopping in the past -- a couple hundred dollars of credit card debt that my mother paid off. She has also spent financial aid money on herself (i.e., on electronics rather than on school supplies), including tuition reimbursements to my parents.
Last night, I learned that she has accumulated $11,000 of debt this year. She's still being cagey about what exactly she bought; she says some of the purchases she's gotten receipts for don't sound like her but might be anyway, and the very fact that she doesn't remember makes me inclined to think that few if any are fraudulent. In a conversation with our mother, she threatened to use our grandmother's social security number to take out a loan, which makes me wonder if she's already used other people's information in acquiring credit.
My parents are about seventy and about eighty, respectively, and just last week my mother just lost her job as a teacher in a manner that drove her near suicide, her rationalization being that my father could then sue the school district and win enough for the family to live comfortably on. That being the case, I don't want them to have to shoulder this burden alone, but I've never dealt with a financial problem of quite this magnitude.
Some obvious first steps: Ask her to cut up her credit cards; determine what she spent and where; return the items we can return and sell whatever we can't; get her in to see her psychiatrist, whom she hasn't been able to visit regularly due to the cost. What other information do we need and what other steps should we take?
How the gently caress did she get an $11,000 dollar line of credit? 
(Oh god. Your parents are on all of her credit cards, aren't they?)
Thanks, I'll get right on that.
The crazy thing is that she shouldn't know anyone's, but I can't afford to assume she was bluffing.
Yeah if she mentioned it the idea is in her head already and she is one manic swing away from stealing from family if she hasn't already. It would probably be a good time to start pulling credit reports.
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Mar 21, 2016 20:45
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