<prompt> Human: When i first moved into my apartment I gave my mother a key so she could come in and do her laundry because her apartment complex didnt have washer and dryer hookups or a local laundromat. She would bring her own soap and clean my floors while she was here so I didnt think anything of it. Until my credit card went missing. It was a card i dont keep on me its in a kitchen drawer because it has a high interest rate so i just had a recurring billautopay set up on it. I dont check on it often but got a fraud check from the company at work so i denied the payment but didnt look into it until I got home. I go over the statement and see literally over a hundred charges for gas stations, restaurants, clothing stores, and suspicious cash withdrawals all in places my mom frequents. So i confronted her and she confirmed she took it and told me she would pay it all back. that was in january. i havent seen a penny from her and she basically avoids or doesnt talk to me. because this put my credit utilization well over 75 it hurt my credit score a lot. ive been making a payment of about 200 a month on this card which is what i can afford but its making me so angry because that money could go into savings or treating myself and my boyfriend to a nice weekend trip or something. Im barely touching the actual bill with this payment. i have an emergency fund about the size of this bill but dont want to drain it to cover up my moms mistakes, especially when im living alone, working and in college and dont really have a lot of disposable income. My mom just got past the 7 year mark on her last felony grand theft auto of my grandmas car so i REALLY dont want to put another felony on her record and after this amount of time am not really sure what to do as ive been making the payments and havent reported the charges but did freeze and replace the card. She claims she mailed me money last week but i havent seen it, and ive repeatedly told her to personally bring the money to my house because she lives like 20 minutes away. i asked her to go to our local credit union and take out a personal loan to pay me back but am not even sure if thats possible, especially given her awful credit. She is extremely irritable every time i bring it up and its literally a hole she dug herself into?  <response>: Do you want personal finance or relationship advice?From a strictly personal finance perspective, you need to go to the police. Otherwise, you can pay off the debt on your own. There is no magic third option that absolves you of the responsibility of paying for the debt and doesnt get your mom in trouble. 