# My ex is signing on my son's checking account

**URL:** <https://boards.straightdope.com/t/my-ex-is-signing-on-my-sons-checking-account/658368>\
**Category:** In My Humble Opinion\
**Created:** [May 15, 2013, 2:00am UTC](https://boards.straightdope.com/t/my-ex-is-signing-on-my-sons-checking-account/658368 "2013-05-15T02:00:52Z")\
**Posts on this page:** 5\
**Page:** 2

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**Author:** ![Bryan\_Ekers](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/bryan_ekers/32/183_2.png) [@Bryan\_Ekers](https://boards.straightdope.com/u/Bryan_Ekers)\
**Post date:** [May 15, 2013, 6:50pm UTC](https://boards.straightdope.com/t/my-ex-is-signing-on-my-sons-checking-account/658368/21 "2013-05-15T18:50:20Z")

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> [@LuxuryMom](#):
>
> My Ex Husband who is in Bankruptcey opened a checking account with my  
> teen age son’s name and is using the checking account as his own,  
> making cash deposits and signing my son’s name.  
> My son doesn’t realize what is going on.  
> Is this legal? Is my Ex hiding assets in my son’s checking account?

Worst limerick ever.  
But seriously, contact the bank as soon as possible, and a lawyer immediately after.

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**Author:** ![md2000](https://avatars.discourse-cdn.com/v4/letter/m/73ab20/32.png) [@md2000](https://boards.straightdope.com/u/md2000)\
**Post date:** [May 15, 2013, 7:05pm UTC](https://boards.straightdope.com/t/my-ex-is-signing-on-my-sons-checking-account/658368/22 "2013-05-15T19:05:15Z")

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Depends whether the ex is “in the process of bankruptcy” or simply went through bankruptcy court and uses the other name because nobody will deal with him personally. If it’s assets he’s hiding from bankruptcy or orderly repayment processes, that’s one thing. If it simply expedites his cheque-cashing and other money-handling, it may or may not be fraud.

Doesn’t an account for a minor need an adult to also co-sign or something when opening it (even if they don’t need to co-sign cheques?).

Regardless, tell him to find some other victim; if he’s screwed up his own finances, odds are he’ll destroy his son’s financial reputation eventually.

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**Author:** ![handsomeharry](https://avatars.discourse-cdn.com/v4/letter/h/e9c0ed/32.png) [@handsomeharry](https://boards.straightdope.com/u/handsomeharry)\
**Post date:** [May 16, 2013, 1:27am UTC](https://boards.straightdope.com/t/my-ex-is-signing-on-my-sons-checking-account/658368/23 "2013-05-16T01:27:47Z")

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> [@Bryan\_Ekers](#):
>
> Worst limerick ever.

Not bad, **Bryan Ekers** ; not bad at all!

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**Author:** ![md2000](https://avatars.discourse-cdn.com/v4/letter/m/73ab20/32.png) [@md2000](https://boards.straightdope.com/u/md2000)\
**Post date:** [May 16, 2013, 7:21pm UTC](https://boards.straightdope.com/t/my-ex-is-signing-on-my-sons-checking-account/658368/24 "2013-05-16T19:21:09Z")

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“my son doesn’t even know what’s going on…”

There also must be a law somewhere about opening an account in someone else’s name without their consent, even if they are a minor and a dependent. (Assuming he is). I can see a savings account for a 2-year-old or something, but by the time someone is 10 or 14 you would think that opening an account without their consent or knowledge, and for your use not theirs, borders on fraud.

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**Author:** ![ThelmaLou](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/thelmalou/32/390_2.png) [@ThelmaLou](https://boards.straightdope.com/u/ThelmaLou)\
**Post date:** [May 16, 2013, 7:32pm UTC](https://boards.straightdope.com/t/my-ex-is-signing-on-my-sons-checking-account/658368/25 "2013-05-16T19:32:59Z")

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Wish the OP would check back in.

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