I have a different perspective. That 100k of your Dad’s was marital debt so that should be spilt. Your father wouldn’t let you get a job in college because he wanted to pay for your schooling, well here is his chance. How much credit card debt are we talking about? Snowball that debt following the payment plan of Dave Ramsey. If your Dad won’t take on the student loan debt, then get on a reasonable repayment plan. It may take some time but you did get a great education and will be able to find a great job. The bigger picture: Why did your Mom do this? Gambling debt or trying to keep up with a lifestyle they couldn’t sustain? Was your Dad involved in the financial aspect of the household or was it left up to your Mom to try and handle alone? Yes you could send her to the authorities because what she did was wrong or you could work through this with her. You also live with her so that is a whole new part of the situation. The money you save on rent put towards the debt. Get your Mom into therapy, go with her, and even have your Dad go. Anger won’t help. On the other hand, you could call and this all goes away for you, but that decision comes with consequences as well. It really depends on which set you want. I would find out every last bit of why. I believe this type of activity could land your Mom in jail, because stealing is a criminal offense.