Legal Question in Credit and Debt Law in Indiana

My father added me to his credit card a few years ago, I thought that I was a co-account holder. I have paid on this account for a few years without ever being late. My father died a year ago and I continued to use my card and also continued paying $ 360 a month on time. The company found out my father died and closed the account. They informed me that I was only an authorized user and was committing fraud by using it 10 months after his death. I told them that I did not intend to defraud anyone, as I was still paying the monthly payments on time until they closed the account. They now want me to pay the entire 13,000 owed or they will charge me with fraud. Will I really be charged with fraud even though I had no intent? I told them I would pay my portion with no problem but wanted to know what my fathers balance was BEFORE I was added to his account because its not fair that I be forced to pay his balance before I ever used my card. I think it could be as much as half of the $13,000 balance. What should I do?


Asked on 7/12/12, 4:14 pm

1 Answer from Attorneys
Kenneth Wilk Rubino Ruman Crosmer & Polen

Rights and Duties are governed by the written agreement with the credit card company and UCC Indiana statutes. For the amount involved, you had best seek representation by an attorney.

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Answered on 7/13/12, 1:58 pm


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