A Car loan purchased using someone else info

[sumotype]

A friend of mine's mother purchased a vehicle using her information without her consent about 3 years ago. The vehicle was registered in my friends middle name. The car was repossessed and now they are coming after my her. She was given a bill for 12,000 for the vehicle. Now she is stuck paying for a vehicle she did not buy. She is contemplating applying for a new social security number or filing for bankruptcy. Are there any other possible options for her?

 

[army judge]

She will not get a new social insecurity number.
She can file a complaint with the police for identity theft.
She can also to sign an affidavit of fraud from the lender, and they'll pursue the matter.
Usually, all they want is the car back.
They have the car, she signs the affidavit, and nothing more usually comes of it.
Bottom line, she didn't buy the car.
She doesn't have to pay any bill.
But, she'll probably play havoc repairing her credit rating.

 

[mightymoose]

Yup... if this is all true, do not pay even a portion of the bill. If you begin paying it then it will just hurt your argument that you did not make the purchase.
Dispute the loan with the credit agencies, inform the lender of the fraudulent purchase, and make a police report for identity theft.
All of this can be done without giving up the mother as the offender... but she will likely be found out eventually once the investigations begin.

 

[sumotype]

She will not get a new social insecurity number.
She can file a complaint with the police for identity theft.
She can also to sign an affidavit of fraud from the lender, and they'll pursue the matter.
Usually, all they want is the car back.
They have the car, she signs the affidavit, and nothing more usually comes of it.
Bottom line, she didn't buy the car.
She doesn't have to pay any bill.
But, she'll probably play havoc repairing her credit rating.

An affidavit of fraud, does she sign at the local courthouse and send to the lender? What if the lender has already sent the account to collections?

 

[army judge]

An affidavit of fraud, does she sign at the local courthouse and send to the lender? What if the lender has already sent the account to collections?

You need to contact the lender, explain what happened, and ask them to send you the form.

Or, you can contact the police, and they might help you.

 

[Antigone]

You need to contact the lender, explain what happened, and ask them to send you the form.

Or, you can contact the police, and they might help you.

The lender will definitely want a police report. This is called identity theft:yes:.

You friend has to know that his/her mom will be on the hook criminally.