Originally Posted by Mad Wife

Has been in America under a fake marriage going on 4 years. The first two years she lived humbly. Recently, in this past year, I've notice she carries on herself fancy jewelry, beautiful, expensive handbags, etc. She's all dolled up, all the time. I couldn't fathom where she gets the money. She had lived with us since she got here and pays a meager $275 a month for rent and food to us.

A month ago, my husband and I went to refinance our home and found that the loan agent had a little problem with approving our loans due to my credit cards debts. I was astonished. Which credit cards I asked? Since I paid them off every single month. My husband and I had two joint credit cards: Discover & Visa. It turned out they were recently opened less than a year ago and there were 5 total. All delinquent. So I thought, have my mail been stolen? I tried to explain to the loan agents that I believe my identity has been stolen and there must be a mistake. I also asked if I could refute the charges. They said that it'll be hard since the credit cards has been opened using my home address and since then has not changed. The same home I'm living in NOW and trying to refinance.

Suspiciously and without my sister in-law's permission, I went home and enter her room, searching. There I found between stacks of books used a leverage for the four posts on the bed, were credit card statements, late fees, delinquent notices, addressed to me. OH MY GOD! OH MY GOD! OH MY GOD! My life. All five credit cards amounted to a debt of over $32,000.

My husband and I confronted her and all she could say was "I don't care!" No remorse, no sorry, no nothing. What actions can I take? How can I get my life back? THE BIMBO! IF I DON'T GET MY LIFE BACK, I'M GOING TO KILL HER!!!!!!

Originally Posted by Mad Wife

...There I found between stacks of books used a leverage for the four posts on the bed, were credit card statements, late fees, delinquent notices, addressed to me. OH MY GOD! OH MY GOD! OH MY GOD! My life. All five credit cards amounted to a debt of over $32,000...

Originally Posted by kuti2020

ba xạo. 32k for 4 years? identity theft ? ss stolen? damn xao....

Originally Posted by kuti2020

You think they gona deported her back to vn ?

Originally Posted by Sweetea

It Happen To Me Once A Relative Of Mine Used My Credit Card. I Called My Credit Card Up And Reported As Fraud. My Suggestion Called Them Up And Report Fraud...dispute The Claims..let Them Do An Investigation...for Your Info..i Was Refunded Back The Full Amount. Without Having To Go Thru All The Hassle.

Originally Posted by Knguyen25

MinhNhi,

You need to read the post carefully and understand the poster said. I can’t believe people just read with their peanut brains that lead the story to another wrong way. Let me answer your questions

This is my opinion on this thread:

1. You said: "Recently, in this past year, I've notice she carries on herself fancy jewelry, beautiful, expensive handbags, etc" : By saying this I am sure you mean your sister-in-law has been using your credit cards (5 of them) during the past year to purchase jewelry, handbags, ... etc. I assume probably at least 3 months or more she keeps doing this.

Don’t you read? The sister stole her identity, not her credit cards. This is very easy since the sister lives together with the couple. She could steal SSN, credit card application in the mail easily and go apply for credits. She later waited to pick up the mail with the credit card company she applied. Of course, the couple won’t know anything because they were busy at work and they TRUSTED the sister so much. Nobody could believe his/her love ones actually did those things. The sister bought expensive stuffs, the wife can’t say anything since it’s none of her business.

2. You said: "Which credit cards I asked? Since I paid them off every single month": You said you paid all your credit cards off every single month. I believe in order for you to pay off your credit card debt you must know how much you owed, right? According to my knowledge, currently there are 2 ways helping you find out know how much you owe (purchases) from a credit card company: the statement send to your home and you might go online to review your statement. Again, you said you paid off all your credit card debts every single month (my question for you: how did you find out how much you owed before you pay?). I believe in America we all use credit card for purchasing, and before we make a payment we should know how much we owe and the minimum balance we must pay required from the credit card company, right?

Don’t you read again? Damn it! It’s not the wife’s credit cards so she won’t know how much she spent or balances. She did not even know those credit cards existed under her name because the younger sister kept them for herself. Not many people use on-line statement, they usually pay by mail. Even the wife knows about on-line statement, how the hell she know if there are other credit cards under her name existed. She did not check her credit report often. It happens with many people. That why I recommend to check your credit report every 3 months to see what’s going on.

3. You also said: "... on the bed, were credit card statements, late fees, delinquent notices, addressed to me": In the beginning I said I assume your sister-in-law stole your credit cards and purchased expensive merchandises for at least 3 months or more. In my own experiences with credit card, I once moved to a new place and I forgot to notify post office my new address, I lost all the mails for 3 months and of course I didn't receive those credit card bills during that 3 months. One day I went shopping and realized my credit cards were suspended. I called them up and they explained the reason they suspend my credit card because they didn't receive any payments from me in the last 3 months. They also said they try to contact me many times through phone and mail but failure to reach me. I explained to them and sent them the proofs of my resident address, new phone #, ...etc, and of course a BIG late fee attached. In your case I wonder why they didn't suspend your accounts instead letting your sister-in-law (and maybe you and your husband too) keep purchasing.

Last time, read and try to understand what others tried to say. Those credit card statements, late fees, notices were sent to the wife but her sister-in-law once again kept the mail and ignore those warnings. When credit card companies suspended the accounts, it’s too late since the sister already maxed them out. Of course the credit card companies could not contact by phone since the sister probably gave fake number, not the home phone number. Finally, these are the identity theft credit cards, nobody knows about them until the couple tried to refinance their house.

Best way is to report this to credit bureau and kick that sorry asss sister to jail. Why would you want a bad person in this community that hurt her family and others? The husband has to shut his mouth in this case because he has no excuse to defend his own sister. If he acts like a jerk, his life also in jeopardy of divorce and he will loose half of his asset because of the crime by his sister. Don’t you think he will sacrifice? NO WAY.

Like ThuongTri, I find this story hard to believe also. However, if this is true I suggest you and your husband calm down and find a best way to resolve this problem. She is your husband's sister came to this country through a fake marriage. Fake marriage but costs real money and it's not cheap. If you report to the authority then she will be in trouble for her resident status here in America. She maybe will get deported out of this country or end up in jail which is also extremely hard for her in future to become permanent resident. Also your relationship to your husband's family maybe in jeopardy later on, and your husband might not be happy with solution: Deport or Jail his sister.

My opinion: nicely tell her to move out, if her financial condition not good enough you and your husband can help in the beginning. If you think she can't survive out there by herself and you can't throw her out, you might consider open your own mail box at a nearest local post office so all your mails will delivered to that private mail box. You won't be afraid who stole your mails any more. Also go online and review your credit card statement often. And last but not least, keep watching how her appearance looks like, still wearing new jewelry, handbags, expensive brand name clothes, ...etc.

In conclusion, this is your family matter, you know better exactly what is going on than anyone of us here. We just read your thread and brought up our opinions based on what you wrote and answered your questions. Hope you will find the best way to resolve this matter nicely.