If a daughter impersonated her deceased mother to become an authorized user but the bank did not contact her for 7 years is she liable?

Answer

It's against the law! I have no idea why this person did this, but not only is she liable, but she could serve a few years in prison. It's called "extortion!" I suggest she stops while she can.

Answer

The SOL will not apply in such a case. The person has willing committed the criminal act of fraud against the creditor. Therefore the full amount of the debt is valid. Fraudulent acts involving credit cards are Federal and State crimes, and are prosecutorial. Resulting in fines and/or imprisonment.

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