Yeah, I think you raise a good point but if you love the relative and don't know the full scope of what you have to do, I think it can be hard to assess options.The one credit card company did transfer the balance to the relative, no problem and the card is coming off my friend's credit report. I wish the other card had done the same thing.I'm pretty tough so I would have turned the person, but I don't care about cutting off family for stuff like that. I respect that others might not have such a scorched earth policy.If he were to do this all over again, I think he would have just reported her and be done with it.
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