Legal Question in Credit and Debt Law in Texas
Credit Card Liability
An individual was given a credit card by her mother while still a minor she was told she was just an additional card holder. Her mother has now charged over $22000 to the account and is unable to pay. How can the individual obtain a release from this account. Her mother is now in a mental state in which she could not hold a job. What is the best course of action for her to save her credit and be removed from the account. Her mother does not dispute that she made the charges but the credit card company is threatening legal actions on the daughter.
2 Answers from Attorneys
Re: Credit Card Liability
If she is only an authorized user, she would only be responsible for her own charges and not her mother's. Ask them to show her where she signed as agreeing to pay the credit card. They will not be able to produce that. Dispute it in writing with the credit card company and with each of the three credit reporting agencies.
Re: Credit Card Liability
Sorry, it's the daughter's credit card and she is responsible for it. Any action to recover the $22,000 will have to be taken by the daughter against the mother. The daughter's knowledge and involvement in this process will be examined.
Related Questions & Answers
Looking for something else?
10,200 active attorneys ready to answer your legal questions today.
Featured Attorneys
Earn additional revenue and grow your business.
