Welcome to R-slash, am I the bad guy where OP discovers that her father-in-law has been systematically stealing from them?

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Am I the bad guy for asking my husband to file a police report against my deceased father-in-law?

My husband is 30 and I'm a 27-year-old woman, and we're preparing to buy our first home.

We both work full-time, making above minimum wage, but not enough that either of us can get a

home with our single income. Yesterday, in a conversation with the bank, we were told that there

are four collections accounts in my husband's name, all going back to 2018. Power, internet,

and two credit cards. After a few hours, we were able to link each of these accounts to his

father's previous address. The bill was just shy of $6,000. After multiple conversations with

the bank, we've realized that the only way to clear this debt from causing issues to my husband's

credit rating is to file a police report for fraud. His father died suddenly last September,

and my husband doesn't want to tarnish his father's name, and is afraid that his family will look

down on him for doing this. He's on the fence of how this will look if it gets out. I look at it

differently. We took a massive hit paying for the funeral. My father-in-law had no money and no

life insurance. I know that it's his dad, but it will take us years to recover from this. None of

the recovery agencies are willing to give us a bill paid in full, and even if we do pay, this debt

...