Young Family With Plans To Buy A House And Get Married Has To Pay Off $10K Debt Man’s Mom Took In His Name

Few things are more terrifying and violating than finding out that someone has been secretly stealing from you. One way to do this is through credit card fraud, and that might be more common than we think. In fact, there were around 450,000 cases of credit card fraud in the U.S. in 2024.

This woman’s fiancé experienced it too, but it came from the unlikeliest of sources. He found out that his mother had taken out a credit card in his name and used it for shopping and entertainment in Disney World. When confronted, she tried to justify it by saying that children should take care of their parents, but the son refused to listen.

An MIL stole her son’s credit card and racked up a $10k debt

Image credits: zavalishina / Freepik (not the actual photo)

When he confronted her, she said the card was a birthday gift and it was his job to take care of her financially anyway

Man on phone, wearing a polka dot shirt, reflecting in a window, discussing plans to buy a house.

Image credits: Getty Images / Unsplash (not the actual photo)

Text details how a young family's plans to buy a house were impacted by debt.

Text describing family debt issues: a young family faces challenges to buy a house due to incurred debt.

Image credits: Dylan / Unsplash (not the actual photo)

Image credits: Getty Images / Unsplash (not the actual photo)

Image credits: Curated Lifestyle / Unsplash (not the actual photo)

Image credits: LupusWarriorRN

This wasn’t the only time the MIL tried to take advantage of her son’s family

Having an entitled parent like the MIL in this story is hard, and this family has had to deal with this lady for a long time. In other posts, author u/LupusWarriorRN details more instances where her MIL showed a complete disregard for her son’s family and showcased her narcissistic tendencies.

One time, after a family camping trip, the MIL supposedly wanted everyone to pay back their “share” to her. As this was right after the family found out about the credit card fiasco, they refused and didn’t talk to her for some time. “Seriously?!” the OP wrote. “She thinks she is getting money! We will subtract it from your bill!”

The MIL also liked giving her grandchildren gifts, but not out of love. In one instance, she gifted them a moped that didn’t work. “I suppose they could walk next to it?” the OP wrote sarcastically. Luckily, the author’s parents decided to help the boys out and paid for the repairs.

Perhaps unsurprisingly, that’s when the MIL came back. When she heard that the moped was running and, of course, worth some money, she demanded to have it back. “I need it to get around,” the MIL argued. “I’m on disability and limited income and can’t afford a vehicle!”

But the boys’ mom didn’t buy it: she knew the MIL only wanted that moped so she could sell it. So, she refused to give it back and had her parents take it back to their place so that the MIL couldn’t get her hands on it.

After the MIL threatened to report it as stolen, the mom called her bluff: “Go for it and I have these messages and others to show it was a gift to your grandchildren. It won’t be here, so don’t show up here,” she snapped.

The MIL also embarrassed her son and his wife on their wedding day

In another post, the Redditor shared a story about her wedding day from almost 20 years ago. It seems that the family never had any rest from the MIL’s narcissistic tendencies and crazy antics.

She didn’t ruin their wedding (thank God), but showed some kleptomaniac tendencies during the ceremony. A day after their wedding, the couple got a call from the wedding venue about missing ribbons and bows. According to the hotel, the couple had to pay them back $1,500.

Without much thought, the son and his new wife almost immediately knew that the MIL was behind it. The son called his mother; she tried denying it, but later admitted to the theft. Just like with the credit card fraud, she didn’t seem to feel any remorse. “They belonged to you anyway!” she told them on the phone. “They are trying to cheat you!”

Well, they weren’t, and the couple really needed to pay the wedding venue back. Luckily, the mother returned the ribbons and bows, albeit in three large garbage bags. The couple had to endure a lecture from the hotel management and let them keep the flowers and garlands in exchange.

“We still hear about how mean we were… 18 years later,” the Redditor wrote. “We are pretty much NC now, except for large family events.”

In the comments, the wife revealed how they paid off the $10k debt: “Took us almost 8 years with interest”

Screenshot of a Reddit comment asking the OP if they paid the debt, and the OP responding yes, illustrating a young family's struggle with debt.

A screenshot of Reddit comments discussing a puzzling situation involving a mother and her son's debt, prompting a Young Family to buy a house.

A Reddit comment about a young family trying to buy a house, facing debt, and limited contact with the mother.

A Reddit post discusses a young family facing debt. A user comments on the man's mom taking debt in his name.

A Reddit comment about a Young Family working to pay off $10K debt and dealing with difficult family dynamics.

Many commenters urged the couple to press charges the next time the mother pulls something similar

A Reddit comment on a post about a young family trying to buy a house, discussing family debt.

A Reddit comment expressing outrage about a mother taking on debt in her son's name, impacting his plans to buy a house.

A screenshot of a Reddit comment about a young family trying to buy a house, facing debt issues from a family member.

A comment from Toaster-Oven suggests suing to resolve debt for a young family to buy a house and get married.

A comment discussing consequences for a mom with debt issues impacting a young family buying a house.

A Reddit post describes a college student's struggle with debt after his mom used his account, relatable for a family with debt.

A Reddit comment, six years old, reading "She sounds like an r/justnomil," relating to a young family's plans to buy a house.

A comment reads, Your husband is a pushover and an idiot, referencing a young family planning to buy a house.

A comment from SongOfTruth saying, "you need to sue because that's definitely a felony and you shouldnt be liable for it," relates to a Young Family and their debt.

A comment by TheMannX about grand larceny and fraud, relating to a young family trying to buy a house.

A Reddit comment reading dad divorced and step dad left. Gee...wonder why. A young family faces debt and struggles to buy a house.

A comment section from Reddit. It discusses how a young family might need to buy a house, despite debt.

A comment on a post about a family paying off a $10K debt, suggesting pressing fraud charges to erase it.

A text comment from FlagCityDiva about taking applications/bills to the post office to prevent issues like the house debt.

A Reddit comment about a young family trying to buy a house while dealing with debt, highlighting the man's decision.

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