<p>LOR…for one semester, it is very possible that your son did not have to file. But for the full year, it is likely that he will. Keep an eye out for that 1098t for 2013. Just make sure your accountant sees that as it relates to your son.</p>
<p>His taxes actually owed on the amount won’t be very high.</p>
<p>OP…what’s happened with your credit cards? Are you getting those charges removed?</p>
<p>Mom2: The company said I won’t be held responsible for the charges, however, it may take a few days for the charges to be removed.</p>
<p>excellent! Blue, it must be so hard on you and you sound very level-headed.
Have you checked your credit reports, other potential credit cards, etc?
(As I said, sometimes people whose relationship with money isn’t all that healthy imagine that credit card money isn’t “real” money.)</p>
<p>Blue…so sorry you are dealing with this. A tough reminder that life just isn’t fair sometimes. hang in there.</p>
<p>Blue…</p>
<p>Good for you!</p>
<p>Are you having the numbers changed for your other cards as well? (you did check those for unwanted charges, right?)</p>
<p>Will the companies be able to send those cards to an address where your family won’t get them first? </p>
<p>Good luck and best wishes.</p>
<p>Yes, I had the number for the card they used changed. I told them to hold off on sending a new card until I return home. The second card is with me-I didn’t leave a copy at home, so they have no access to it.</p>
<p>Change the passwords on all your online banking accounts immediately.</p>
<p>OP, are your parents aware that the credit card company is removing the charges, and that they bills they think they paid with your credit card are now once again due and owing? Or are they going to receive a surprise?</p>
<p>I am glad you have taken steps to begin to protect yourself. It is scary that your parents could foul up your financial life as badly as they have fouled up theirs…and that it apparently would be for no purpose because ruining your credit was not going to create any real or permanent benefit for them.</p>
<p>OP, I am just so upset on your behalf. As a parent–even in financial dire straits–what were they thinking? To use the credit line on your credit card–what would you do if you ran into an emergency, and needed access to that credit line, for example, if one of your parents was in a bad accident, and you needed to get home immediately? Or if you had a medical emergency while abroad?</p>
<p>The most upsetting thing about this is they were not even concerned about leaving you in the lurch while you are overseas. You especially need that card available in emergencies, otherwise you could be put in a terrible situation. Not to mention if you relied on it for regular expenses. I’d tell your parents you are having all the charges reversed because they were not authorized. And tell them that you rely on that card for your overseas needs and they really put you in a bad situation.</p>
<p>I’m glad they are able to reverse the charges. I was wondering if they would consider you liable because you left the card in a unsecured situation. Now you know that you cannot trust them at all. So sad.</p>
<p>All I can say is WOW. You should not have to be financially responsible for your parents. I can see helping out family members in times of need - health issues, temporary job loss. You spoke about your father not working, does you mother work (maybe I missed it)?
If I were you I would open up a PO Box and change my mailing address and rent a safe deposit box for important papers and copies of credit cards, bank statements and such.
If you can not speak to them about this write a letter tell them how you feel, remembering the good times in the past and how these current events have taken a toll on you and your younger siblings. If they truely can not pay for things or work they should look into government assistance (Welfare & foodstamps) - this may shock them into reality.</p>
<p>Unfortunately, people who do this don’t think beyond their noses, and they don’t think beyond the next 24 hours. They had a “need” (rent/bills due), so they grabbed whatever they could without really thinking about repercussions. They lie to themselves and to their D that they will “pay her back” so that they can pretend that what they’re doing isn’t really that bad. </p>
<p>But, seriously, these people quickly forget what they’ve borrowed and would likely be absolutely shocked if their D produced a list of all that they’ve borrowed over the years without one dime of repayment. I’ve met people like this. They borrow, they get the money, and they really forget about the whole thing. And, since they do this with regularity, they really don’t keep track of most/all of their borrowing.</p>
<p>All I want to know is how you are already successful enough that your parents are borrowing money from you? I wish I had these types of problems lol.</p>
<p>^^</p>
<p>The student has a full/near full ride to UChicago, plus has worked at well-paying internships during the summer. So, she has some accumulated savings and good credit, which her parents seem to think that they have some right to abuse because “they need it”.</p>
<p>Update: So it turns out that my card company won’t accept the disputed charges since it was authorized by my mother who has the same last name. I guess I could fight it, but I I don’t really want to implicate my parents. I’m just going to have to pay off the charges on my own…</p>
<p>Well it was going to be that or have your parents up on credit card fraud charges. I’m guessing you are now making sure they can’t get hold of anything. But it sounds like you are going to have to take steps to make sure your parents don’t go a step further and take cards or loans out in your name. You really can’t put it past them now.</p>
<p>Blue: (sorry this is long) I have a sister EXACTLY like this. Sister knew all of my niece’s personal numbers (SS#, maiden name, etc.). My niece worked one summer for an amusement park and saved all of her earnings for her fall college bill-it was a direct deposit online account. When Niece went to pay tuition bill in late August, she discovered that there was no money in her account. When Niece went to her mother (my sister) to tell her that her money had disappeared, the response from my sister was: “I needed it to pay the mortgage”. </p>
<p>Niece was in tears trying to figure out what she would do next (contacted my dd). We suggested she get a new account and not give any information to her mother. She kept the old account with minimal dollars in it and opened a “secret” account. She had to take out a loan, at a very high rate of interest, because school couldn’t get her immediate access to federal loan program. (DD lent her some money)</p>
<p>Since then my sister has ransacked each of her kids accounts justifying it by saying “we’re family, we always share everything!” She’s asked them all for their bank information “in case of emergencies”. They’ve all given her old account information and she keeps pressuring them saying that she knows they have other accounts and that she needs the new account information. Her children and she are always on a rollercoaster of behaviors over money she takes from them. Youngest daughter left home because of it.</p>
<p>Her siblings and I have told her that this behavior is **stealing **from her children and she becomes very offended and it develops into fights. </p>
<p>Twenty years ago, we didn’t know that she was in bankruptcy proceedings and asked my parents for a $40K loan (low-income elderly). My parents, feeling guilty, took out a second mortgage which my sister and husband had promised to repay. They never paid back a dime and my father went to his grave thinking it would be repaid. </p>
<p>We don’t discuss it anymore and it doesn’t bother her as she continues to try to steal from her children, and others, going on multiple cruises a year. She often asks my siblings for loans and never repays them. They’ve learned their lessons and do not “loan” her money. Her priority is money and if you loan her money, it’s considered a gift because it’s from family: Never to be repaid. </p>
<p>YOUR PARENTS’ BEHAVIOR WILL NEVER CHANGE. You will find yourself trying to be honest and saying “no” all of the time, but they wont accept that until you give them money. You will fight a lot. They will call you constantly to see you-“we miss you, don’t you want to see your younger sister?”. Then you go to the house and it’s because they need another loan. </p>
<p>Niece had to move to another town and has to constantly check her Experian reports because my sister will frequently try to open up credit cards in niece’s name “because its my money too and I need money”. It’s a type of sickness that is pathetic. </p>
<p>Graduate from college and move away from them. Then when they ask, “when are you coming home to visit?” “Mom, I can’t afford to travel, but if you send me some of the money you’ve owed me, I’ll buy a plane ticket with it.”</p>
<p>How soon get you get the FAFSA for senior year in. Once that’s in, you can make a clean break. </p>
<p>Make sure you don’t miss a credit card payment as that would affect your ability to get loans. </p>
<p>Open a PO Box at school and have your credit card bills go there. </p>
<p>Getting through school and becoming gainfully employed is paramount.</p>
<p>Oh that is horrible, aunt bea. I have dysfunctional moocher relatives, but not that bad.
OP- it should not matter they your mom has the same last name. She is NOT an authorized user on your account, and the person who is authorized (you) did not make the purchases. That argument from the credit card co. is nonsense. Dispute their denial and ask for a supervisor. Many family members with the same last name illegally use other members accounts without permission. This is not an approved purchase or use and should be disputed. They may try to put the burden back on you, but bottom line, these are not authorized charges.</p>