<prompt> Human: Hey everyone, Back story: Five year ago, my mom opened a credit card in my sisters name. Im not sure why she opened it. Anyway, my sister was under the impression that the card was paid off and cancelled.Fast forward to today, my sister and I are well aware of our mothers expensive tastes. She cant go without having the best of the best of anything--also, if she sees something she wants, she just buys it on one of her several credit cards that she doesnt seem to want to pay off. She just pays the minimum each month. I got out of class today and received a text from my stating that the card our mom took out in her name was never actually paid off or cancelled. It has been accumulating interest for the past 5 years. I am crushed and have absolutely no idea what we can do.My parents are still together--my dad pays all the bills in the house. He helps me pay for my education because my loans do not completely cover the costs about 10k a year from him. He has his own loan 40k I believe that he is currently paying off n addition to all of this. He only makes about 80k a year.I am crushed and have no idea what is going to happen next. My mom clearly has no financial education or self-control. Im afraid I wont be able to continue going to school if my dad needs to help get all the other debts in check first. I guess I am just looking for advice. How can I help my sister? What can I do to stop my mom from ever getting another credit cardspending money on one? What should I do to make sure this doesnt happen to me?  <response>: You need to call the bank and tell them all of this. If you dont report identity theft, you will have to pay the 12k. And if your mom gets away with it, good chance she will keep doing it and putting more money on someone elses tab. 