<prompt> Human: I went with my mom to the bank to help her get a loan for a home. Banker runs her credit, and to my shock, her credit score is deplorable for very obvious reasons: I see credit cards on her report that I didnt know about my mother doesnt speak English well, and I handle all her finances. I give her an asinine stare, and tell her to spill the beans.She tells me years ago, a friend of hers, Sarah, asked if she could open credit cards under my mothers name for her son, Brad. The reason is because Sarah, and her son Brad, both have horrible credit and topped their credit line limits on all their cards. At the time, Brad promised my mother that hed pay off any new cards that my mom opened for him within a year that was 6 years ago. My mother, being naive and having a very limited understanding of finances nonchalantly agrees. She opened 2 cards for him, and then he immediately balance transfers his balances on his own cards to my moms 2 new cards. Total debt transferred from Brad to my mom was 10K.We left the bank. I chastised my mother in a professional way -- shes still my mother, and I cooled off. I then called Brad. For the record, hes a sordid, degenerate, uneducated, pathological liar that clubs, drinks, and does drugs for a living. This isnt a personal attack on him, but just to give you an idea of the type of person Im dealing with. His social media accounts corroborate the aforementioned.He said he doesnt use the cards, but just makes minimum payments on them. He provided me the login details; he was telling the truth in regards to not using them and making minimum payments. He then promised me to pay them off within several months -- he lied -- because that was 6 months ago. Its already been 6 years from promise 1, and Im done being polite. Hes fully utilizing my mothers total available credit, has late payments every so often, thus destroying her credit score and ruining her chances of financing a home. He already acknowledged that the debt was his in future text message communication, and also made a promising claim, in writing SMS, to pay off the debt in a certain time frame. I think he has several thousands in assets, but doesnt want to put that toward paying off CC debt -- especially when its not under his name. Whats the best course of actions?TL;DR: A family friend took advantage of my mother, opened credit cards under her name, then transferred all his debt over to her. Mom cant get a home loan because her credit is destroyed. What to do?EDIT: I shouldve mentioned this earlier, the guy drives an Audi R8 -- thats a 150K car, but I highly doubt its his is their a way to check?. Hes a degenerate who hangs around clubbers and drug dealers who live flashy. Im sure hes borrowing it from a dealer who resides out of town and owns estate in my area. Regardless, someone living a fake and empty lifestyle like this has no moral resolve. Nobody with a backbone takes advantage of an old woman who barely speaks english and isnt financially fluent.Update: As suggested by many, I shared this on rlegaladvice. Please see here Would appreciate any lawyers input.Update 2: Apparently, this made the front page on Reddit. This is my second post on this site, ever. This is an incredibly generous community that really does give weight to big issues facing normal people. Just wanted to say thank you, sincerely, to each and every one of you that has taken time out of their day to put forth their thoughts. Ill keep you updated on this.Update 3: Hey reddit family. Its been an absurdly busy few weeks, but theres good news. Ive taken the advice of many. I made my mother shutdown the accounts and put a password on them. Theyre only payable accounts now and cannot be charged. I also became her power of attorney.Ive met with several attorneys, police detectives, and private investigators. They all pretty much said the same thing, i.e., theres really no short-term objective of obtaining a judgement and accruing lawyerPI fees if we cannot collect from BradSarah. They told me I first had to figure out their assets, then further dig and see if they had any judgements, holds, or liens against them which may make the collections process much more difficult.And so I did some digging, and God, was I astonished. The guy and his mother have over 7 cars -- all in their names -- and recently mortgaged a 300k home! I was sick to my stomach to find that out, but at least I know they do have the financial ability to pay. They obviously lied about not having good credit or the financial means to pay off their old debts.After approaching the attorneys with this, they said I have everything I need to achieve a judgement and collect acknowledgement of debt, written agreement to payoff, breach of contract, certified vehicle ownershiptitle documents from the SOS, etc. The attorneys were all sincere in their advice and told me the 1 objective is to collect and avoid additional fees. One attorney was actually nice enough to not charge me and provided me with a template to take to a notary. Thus, to avoid the legal stage, Im initially going to ask Brad and his mother to come to the notary and sign an agreement to payoff their debts in a timely manner. Im human, so Im giving them reasonable time to pay off their debt anything is better than the 18 year minimum payment plan theyre currently on. If they dont agree to come or sign, or if they fail to pay in accordance with what they agreed to and signed, then thats when well approach the courts, and the process shouldnt be too difficult afterward considering the plethora of evidence and financial information I have on them.So thats where we stand today. Thank you again for the hundreds who shared their thoughts and ideas. I wouldnt have been able to figure all this out without the outpour of support from the Reddit community; some who work for Audi, others in the repossession industry, and others in the legal and intelligence community that have helped tremendously. I cannot thank you guys enough for your help in sending me in the right direction. So thank you guys, seriously.Ill keep you guys posted along the way.  <response>: This actually seems like the absolutely perfect kind of case that would be accepted on a TV judge show. Go apply to be on Judge Judy with this. 