To make a long story shorter, she tried to clear this up with Chase directly to no avail. Chase sent the account to collections and they would call day and night, harrassing her and threatening her with a lawsuit which they did. There was a default judgment issued against both of us because my name was on the card as an authorized user. All of our bank accounts were closed including my husband and my checking account where his paycheck was being direct deposited. The only thing they couldn't take was my Mother's SS check and her house which is where we all live. Because of this my mother's health went downhill and I went into a deep depression. Six months after that my Husband lost his job. I'm still my Mother's caregiver and my Husband has a job. My Mother wanted to change her Will and the house to my name. And guess what? We got a letter from the Lawyers that brought the judgment against us and said we now owe over $32,090 and there is a lien on the house. Is there ANYTHING that we can do legally to somehow resolve this horrible situation?