<prompt> Human: My father is the good old country boy type that never went to college but worked his fingers to the bone and did well for himself. He never missed paying a bill in his life and had immaculate credit or so he thought. He recently attempted a home refinance and discovered that he had 47,000 in credit card debt as well as two student loans that his signature was forged as a cosigner also by my brother. This debt has accumulated from 4 credit cards my brother opened in his name. My dad went from a credit score of 790 to the low 400s. I just found this out recently and suggested that he turn him in to the authorities and get the debt cleared under fraud. He refuses to do so because he does not believe my brother who struggles with some mental issues depression and anxiety wouldnt make it in prison. Basically is there any way to get the credit card debt in my brothers name? Please no posts saying turn him in because it is out of the question according to my dad. I can answer any further questions. Thanks. Assistant: He can either call the authorities or pay the debt off. Human: And lock his credit so it cant be done again.Assistant: He told me he is using life lock and now gets notifications regarding any type of change in his finances. Human: So hes fine paying off 47k?Assistant: Right now he is exploring ways to transfer the debt to my brothers name and get him help. I am all for turning my brother in but I wanted to see if there were any other realistic options.  <response>: We had this issue in my family too. My uncle couldnt pay her back for the financial damage,so my grandmother took ownership of the house and took over the bills, becoming his landlord. They drew up legal documents outlining the extent of the debt, and how much money was owed. Now he pays her rent plus an amount to pay off debt. If he doesnt, he gets reported. If she passes away he is responsible for that portion of the debt.He has been doing quite well the past few years, so my grandmother has promised to give him back the house in her will, hopefully he keeps it up! 