My 80 year old parents are in collections for credit card they never applied for. What do I do to help them?

This is obviously an identity theft. The collections agency according to them does not want to help them. They never got the bills before collection because, the address on the credit card is not theirs.My 80 year old parents are in collections for credit card they never applied for. What do I do to help them?
Their first actions should be to contact the police. Identity theft is a crime. It needs to be reported. Unfortunately, the collection agency does not have any responsibility to help them. Your parents need to report it to the police, then send the police report along with a ';cease and desist'; letter to the collection agency. Report the identify theft to the credit bureaus and put an alert with the credit bureaus so that they will have to contact your parents if anyone is trying to apply for credit using their information.My 80 year old parents are in collections for credit card they never applied for. What do I do to help them?
File the necessary fraud papers or forms of ID theft. The creditors should report a fraud warning on the credit report. They might have to do it themselves with the credit report and dispute. As long as that's the case, the signatures don't match and they are not legally responsible. There going to have to find the thieves and make them pay.
Unfortunately, the credit card company probably can't, or won't, do anything until you put this through the legal system. Your first step is to contact the police. Depending on who stole their identity and how it happened, Adult Protective Services may also be interested in getting involved.
Get in touch with the credit card company as well as your local fraud investigators. It's a pain in the asterisk but through a slow and painful process, you can get things cleared up.





Good luck - there is nothing more vile than people taking advantage of our seniors.