Your announcement to the bank in 2004 is an appropriate step. Your liability will be determined by the account in question. Demand the account application. Demand that the bank provide you with a legal basis for their claim that you have personal liability on the credit card. Demand all the information in their possession
that tie you to the credit card account. If they cannot provide information then they will have a hard time proving it.
You should consult with a California debtor attorney or contract
attorney and provide the lawyer with all of your documents connecting you to the account. You can find them by an internet search: California debtor/contract lawyer/attorney". Best wishes.
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