On the topic of inheriting debt: Getting married this weekend, fiancee's parents have opened numerous accounts in fiancee's name due to their own bad credit. Where to step moving forward and how to shift the ownership of debt?

I'm really bad at writing titles.

Anyways, my fiancee and myself are getting married this Saturday, tomorrow in fact. Within the past couple of years, her parents have opened various cards in her name (some with permission, and most recently one without) in order to buy a truck, remodel the kitchen, etc. The total debt that is from this is over $10000. I don't know the actual total as my fiancee doesn't know either. This all stemmed from her not wanting her parents to struggle, and not being able to say no, on top of her parents having a terrible credit score. They have filed for bankruptcy twice in the past fifteen years or so. (One credit card specifically at Lowe's used to buy over $6000 dollars worth of building materials to remodel a kitchen they are RENTING.)

I have read here and there that the name the debt is tied to can be transferred to another without the opposite parties credit score being an issue. Is this the case?

I'm not super worried that her parents won't be making their payments or anything like that, however I know much better than to trust that they will always make the payments. Her mother can be vindictive and just decide she doesn't wanna pay off the cards anymore (Her name isn't tied into the cards at all), all it takes is one argument.

What can we do to shift the debt to the people that are handling it so we can live clean and clear?

Edit:

First and foremost I would like to thank everyone that's come into this thread and given me such sage advice. When I started the thread I had good hopes that I had the right idea of how this would turn out. As it turns out though, I couldn't have been more wrong. The worst is the reality and that's how it must be dealt with.

1.Sit down and have the hard talk with my fiancee over what is really happening here. Her credit being destroyed, her enabling her parents, the true outcome of all this, how it effects our future, etc.

1. Fraud Alert (extended 7 year version) / Credit freeze my fiancees account.

2. Discuss with her parents that we aren't going to let anymore actions take place on her behalf, and that we are going to handle the cards from here on. They will be paying us, and we will pay the debt. (this way we're in control of the money flow).

3. Don't let the same mistake happen again.

Do I have everything straight here guys?

Submitted October 13, 2017 at 10:45AM by Kagurath http://ift.tt/2yIv29u