Legal Question in Credit and Debt Law in Michigan

I'm being sued for credit cards my mom faked my name for.

My mom applied for two credit cards when I was 14 using my name and social security number. She lied about my age and said I was employed. She said that she was my wife and got additional cards for her use. I have never used the cards. I never thought much about it until she stopped paying on the cards when I was about 19. Now I am being sued for the cards. I asked for debt validation and have heard nothing back. What should I do?


Asked on 3/30/04, 6:42 pm

3 Answers from Attorneys

Jesse Sweeney Sweeney Law Offices, P.L.L.C.

Re: I'm being sued for credit cards my mom faked my name for.

Considering you probably don't want to turn your mother in, and that you also probably benefited from the things that were purchased, I think, depending on the amount of debt, your best option may be to file bankrupcty. But either way you should contact an attorney as soon as possible to discuss your options.

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Answered on 3/31/04, 9:47 am
Janet Ziulkowski Ziulkowski & Associates, P.L.C.

Re: I'm being sued for credit cards my mom faked my name for.

What you described is a crime known as credit card fraud. Generally, the victim should not be held liable when someone commits such a fraud. However, a victim of such acts should take steps to protect him or herself from behing held liable. Notifying the credit card company, credit reporting agencies and the authorities are the first steps to protecting oneself against claims of the creditors. You should sit down and talk to an attorney to discuss your options and how to best protect your intersts.

I provide free consultations. Call me if you would like to discuss this matter in further detail. Good luck.

Janet Ziulkowski

586-979-7302

www.ziulkowskilaw.com

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Answered on 3/30/04, 6:51 pm
Gregory J. Roth Gregory J. Roth, PLLC

Re: I'm being sued for credit cards my mom faked my name for.

From the information you provided, you are not liable on the credit card; however, if you have already been sued, you must act quickly. An attorney can help sort out the details and force the creditor to provide the necessary verification. Please contact me at www.lawgreg.com with any questions or if you need assistance.

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Answered on 3/30/04, 7:03 pm


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