Hi - my name is XXXXX XXXXX X'X a Bankruptcy and Consumer Protection attorney here to assist you.
Given the information your provided, you cannot be held liable for this credit card debt - for a number of reasons:
1) You did not open the account; and
2) The debt is too old to legally (in court) collect as the Statute of Limitations for credit card debt is 4 years in Pennsylvania.
If you receive another call from this law firm, you can tell them that you know they cannot legally collect this debt as it is too old. (This is easier than trying to prove that your ex-wife did not have permission to open an account in your name.)
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