My mother and I are very close because it has always been just the two of us in our family. My parents divorced when I was a child and I have spent my whole life with my mom. I have no aunts, uncles, or grandparents, which makes my predicament even harder to deal with.
My mother has always struggled with finances due to the divorce. We often lived paycheck to paycheck and I grew up knowing that money was a constant issue. A few years ago, when I was in my early 20s, my mother had a serious health scare and came clean that she opened credit cards in my name when I turned 18, and was using them to pay bills. She swore that it was only three cards and that she was paying off what she owed on them.
Recently, as I was finishing my last year of graduate school and looking into my student-loan debt, I asked my mother for information on those credit cards, which I thought she had paid off. For the next few weeks, she kept changing the subject. After I finally threatened to run a credit check, she told me that she opened about eight cards in my name, and that she owes more than $10,000 on them. I have tons of student debt, and now all of this on top of it.
Whenever I ask her to pay off more, she replies that we don’t have a lot of money, and that’s why she opened these cards in the first place. I can’t even put money toward the debt on the cards, because she refuses to give me the account information and I do not know how to obtain it without actually reporting her. She knows I can’t go to the police, because she’s my mother and I don’t want to file criminal charges.