<prompt> Human: Hello All,Throwaway account for privacy reasons. My fiance and I are getting married this summer, and we have been doing some more long term financial planning as part of the process. I was hoping to get advice on what to prioritize and perhaps some general guidelines on budgeting. Specifically, I wanted to know what we should do with the roughly 14k in credit card debt that my fiances mom accrued in my fiances name.Background - Im not sure if you need to know all of this, but it should help provide some context. 1. We want to go on a honeymoon this summer and havent set a budget yet but I think somewhere in the range of 4-6K.2. We want to buy property within the next 3 years. We are looking at 300K mortgage with ideally 20 down. 3. After paying for the wedding we expect to have roughly 18k in savings4. Our combined income is 190k a year pre-tax5. Our combined student loan debt is 700 a month6. Our personal combined credit card debt is 3,0007. We can comfortably save 2,600 a month and up to 3,500 if we really scrapIssue - My mother in law took out multiple credit cards in my Fiances name in 2015 and maxed all of them out. She has been making the minimum payments on time since then, and chipping away at the principal, but not in any meaningful way. I realize this is fraud, but I cant exactly go to the police. Its a sticky situation and I dont really know what else we can do, so any advice on this would be helpful too. Question Should we focus on paying off the credit card debt first, then save for a down payment? Or should we save for a down payment and let her mother continue to pay the credit card minimum? I have no idea what to prioritize. Will all that credit card debt prevent us from getting a home loan?  <response>: You acknowledge that this is fraud, but its also tantamount to abuse. Id like a better explanation as to why you cant go to the police. We see these questions a lot on PF and OPs usually jump to all kinds of justifications for the extremely criminal, negligent, and cruel behavior by the perpetrator. This woman has selfishly taken your future and thrown it to the wind for her own selfish gains. This isnt the kind of person who deserves your sympathy. If your wife is pushing back here, you need to more concertedly try to explain the situation. Credit card fraud isnt a behavior that disappears overnight. Its something your MIL will continue to do until she faces consequences for her actions. Furthermore, you have your own debt load which, from an outside perspective, is high on its own. You dont need to be taking on someone elses complete lack of consideration for your wife as part of some familial burden. Thats bullshit and dont accept it. I realize its a tough situation, but this is really crazy that youre even considering taking the debt as your own and proves that youre seeing things incorrectly. Your MIL has to face consequences or shell continue to do this or to someone else. 