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Granddaughter illegally signs for credit

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Dun

Junior Member
What is the name of your state? New York

My sister thinks that she's getting our 85 year old grandma's house when she passes away (she's still with us!), so when grandma was in the hospital, my sister took it upon herself to open a Sears Home Improvement Loan worth $10K. She proceeded to order some kitchen cabinets that cost $7000. Our other sister, my grandmother, and myself all expressed our displeasure when she told us, but she still refused to cancel the contract.

In February, the cheap-looking, overpriced cabinets were put in, and she did not make the first two payments. I called Sears and closed the account (I had POA at the time), then told her that she's responsible for the payments. Her response was "What's the big deal? When grandma dies, nobody will have to pay anyway!" I told her that I thought her statement was legally wrong and morally reprehensible. Her own credit is horrible so she obviously doesn't care.

Well, now we are going through some legal proceedings (I'm going for guardianship due to her all around irresponsibility), and she wants to look good so she's paying the bill. Since she's done this, she has gotten POA and put her name on my grandmother's account. I have a feeling that she is using our grandmother's own money to pay for these cabinets since her name is on the checks as well. Is there any way I can prove this?

Can she be prosecuted for signing my grandmother's name in the first place? This happened in November of last year. Is it too late?

When my grandmother does pass away, I think that her estate will be responsible for this bill, and since the house is supposed to be split three ways, can I legally (as the executor, I think, unless she's changed this via her ill-gotten POA) take the remainding amount out of her share only to pay the debt?

Thanks for the advice!
 


stevek3

Member
Dun said:
What is the name of your state? New York

My sister thinks that she's getting our 85 year old grandma's house when she passes away (she's still with us!), so when grandma was in the hospital, my sister took it upon herself to open a Sears Home Improvement Loan worth $10K. She proceeded to order some kitchen cabinets that cost $7000. Our other sister, my grandmother, and myself all expressed our displeasure when she told us, but she still refused to cancel the contract.

In February, the cheap-looking, overpriced cabinets were put in, and she did not make the first two payments. I called Sears and closed the account (I had POA at the time), then told her that she's responsible for the payments. Her response was "What's the big deal? When grandma dies, nobody will have to pay anyway!" I told her that I thought her statement was legally wrong and morally reprehensible. Her own credit is horrible so she obviously doesn't care.

Well, now we are going through some legal proceedings (I'm going for guardianship due to her all around irresponsibility), and she wants to look good so she's paying the bill. Since she's done this, she has gotten POA and put her name on my grandmother's account. I have a feeling that she is using our grandmother's own money to pay for these cabinets since her name is on the checks as well. Is there any way I can prove this?

Can she be prosecuted for signing my grandmother's name in the first place? This happened in November of last year. Is it too late?

When my grandmother does pass away, I think that her estate will be responsible for this bill, and since the house is supposed to be split three ways, can I legally (as the executor, I think, unless she's changed this via her ill-gotten POA) take the remainding amount out of her share only to pay the debt?

Thanks for the advice!


No, the estate won't be responsible for any fraudulent debt. You should not waste any time, and get an affidavit to Sears and do whatever else needs to be done to fully protect the estate. It would be extremely wise to hire a lawyer for this purpose. Do not put it off.

As far as your sister is concerned, a daily 6:00 A.M. wake-up call in the federal penitentiary might actually do her a world of good.
 

Dun

Junior Member
Thank you Stevek3,

I will ask the lawyer to prepare an affidavit ASAP.

Y'know, when this happened, I called Sears and also wrote them a letter explaining this situation. They were appalled. But I gave my sister the benefit of the doubt and did not take it further. Now I'm regretting it because she was emboldened by getting away with it and went so far as to take advantage of our grandma's dementia by talking her into switching over the POA. I guess she thought that I was keeping too many tabs on what she was doing...

Dun
 

BlondiePB

Senior Member
Dun said:
Thank you Stevek3,

I will ask the lawyer to prepare an affidavit ASAP.

Y'know, when this happened, I called Sears and also wrote them a letter explaining this situation. They were appalled. But I gave my sister the benefit of the doubt and did not take it further. Now I'm regretting it because she was emboldened by getting away with it and went so far as to take advantage of our grandma's dementia by talking her into switching over the POA. I guess she thought that I was keeping too many tabs on what she was doing...

Dun
This fraud is another example why your sister is ineligible to be a guardian. State statutes are very clear on things that make one not eligible to be a guardian.
 

Veronica1228

Senior Member
Dun said:
Thank you Stevek3,

I will ask the lawyer to prepare an affidavit ASAP.

Y'know, when this happened, I called Sears and also wrote them a letter explaining this situation. They were appalled. But I gave my sister the benefit of the doubt and did not take it further. Now I'm regretting it because she was emboldened by getting away with it and went so far as to take advantage of our grandma's dementia by talking her into switching over the POA. I guess she thought that I was keeping too many tabs on what she was doing...

Dun

Just wanted to mention that you don't necessarily need a lawyer to prepare an affi. If you contact Sears and report the fraud they will be able to give one to you. It's probably better to do this because Sears may have their affidavits tailor made for their company needs.

Good luck!
 

stevek3

Member
Veronica1228 said:
Just wanted to mention that you don't necessarily need a lawyer to prepare an affi. If you contact Sears and report the fraud they will be able to give one to you. It's probably better to do this because Sears may have their affidavits tailor made for their company needs.

Good luck!

When you're dealing with $10,000 worth of fraud committed by an immediate family member, and that fraud is directly affecting the rest of the family, a prudent person doesn't open up the Sunday funnies looking for a way to resolve matters on the cheap.
 

Veronica1228

Senior Member
Blah, blah, blah. The same argument over and over. I still stand by what I said. At the Financial Institution that I work at, the process is much faster if the customer contacts us from the beginning and our affis are used. I have personally handled (successfully) fraud cases for $500,000.00 or more and I am not a lawyer.

So, OP it is your decision to choose which route you want go. However, remember that my advice comes from an honest desire to help. Steve is obviously getting paid a commision for every person he convinces to use a lawyer. :eek:

I'm not saying that you absolutely don't need one, but I am saying that it is very possible you can get your fraud case resolved without one.
 

stevek3

Member
Veronica1228 said:
Blah, blah, blah. The same argument over and over. I still stand by what I said. At the Financial Institution that I work at, the process is much faster if the customer contacts us from the beginning and our affis are used. I have personally handled (successfully) fraud cases for $500,000.00 or more and I am not a lawyer.

So, OP it is your decision to choose which route you want go. However, remember that my advice comes from an honest desire to help. Steve is obviously getting paid a commision for every person he convinces to use a lawyer. :eek:

I'm not saying that you absolutely don't need one, but I am saying that it is very possible you can get your fraud case resolved without one.


Absolutely ridiculous. I'll bet you squeeze McDonald's french fries to lube your car, too. It's a lot less expensive than Quaker State, and it works just as good!

Multiple felonies were committed. Federal offenses. The entire family is involved, albeit indirectly. A simple form affidavit and/or an affidavit written in crayon does nothing to protect the family. When the postal inspector comes knocking on their door, she can say, "Hey, Veronica1228 told me this was going to be easier than Sesame Street last Wednesday. She told me that Cookie Monster's affidavit and no legal representation was going to result in me getting a batch of yummy cookies."

Needless to say, the postal inspector and the creditor will understand, and they'll just go away.

What kind of french fry works best for a 2002 Porsche? I've been using the SAE 5W-30 synthetic french fry. Have I been paying too much for my french fries, Veronica1228? That's a premium french fry. Top-quality stuff.
 

Veronica1228

Senior Member
I was only speaking specifically about the Sears issue. I agree that the rest of his issues are not so easily solved.

I don't feel like getting in to a p!ssing match with you today so I'll just leave it at that. :cool:
 

Dun

Junior Member
Thanks Veronica and Steve for your input.

I didn't want to cause any discord by posing this question, but I'm grateful that you both took the time to answer and I will weigh all the options.

Are you sure you two aren't married or something? ;)
 

stevek3

Member
Dun said:
Thanks Veronica and Steve for your input.

I didn't want to cause any discord by posing this question, but I'm grateful that you both took the time to answer and I will weigh all the options.

Are you sure you two aren't married or something? ;)

Why do you think I get so angry that Veronica1228 shaves her legs only once a week? Really, is it too much to ask to pay attention to the stubble?
 

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