<prompt> Human: A little back story. I turn 24 next week. My fiance and I are currently planning our wedding. On Thanksgiving Day, my mother informed me that she owes about 6,000 on a credit card in my name. She assures me that it will be paid off by my wedding date in April, but I have my doubts. I dont recall opening the credit card. I certainly dont recall authorizing her nor my sister as users on said card. My mother does so much for me, which is why Im not sure what to do. She currently pays my rent in grad school, working 60 hours a week student teaching at an elementary school, and tutoring 20 hours a month on the side of 700 a month, while I take care of my car payments, electricity, groceries, etc. When I approached her about when the card would be paid off, her reply was itll happen when it happens. I am about to start trying to apply for a home loan with my fiance, and I know this is negatively effect my ability to get a loan. Not sure what path I should take to make sure the credit card gets paid off. I dont feel like I should have to take this into my marriage with me. Please, any help is valued. Edit: Im a 24 year old male. My mother pays my rent as I work so much in my accelerated graduate program for free. Part of me believes that she pays my rent because she feels bad about the men she brought into my life that were physically abusive, and I cant say that I didnt take advantage of having this benefit. What worries me even more is that she makes 7,000 a month after taxes. Her total monthly living expenses top out at 2,000 a month, with the 700 she gives to me, and 400 she gives to my younger sister through a car payment.  <response>: first thing you need to do is read the wiki over on the right sidebar about identity theft, because what your mother has done is a felony. and if shes done it once and fucked it up, chances are non-zero shell do it again.you will need to set up credit monitoring and pay attention to it, so you know immediately if she tries this again, so you can drop the fucking hammer on her over it.second, if youre going to depend on your mother to actually pay the debt before the wedding, you are fucked. unless you want to risk sending your mother to jail by reporting the account as identity theft to the credit card company, the only way to make certain it gets paid is for you to pay it. 