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Since the credit card was in your name, even though she used it and you didn’t even activate it, her use of the card is legally considered activation of the account. They can still come after you as the account holder. However, after 6 months of non-payment, most credit card companies will "charge off" debt. After that it could go to a debt collector or debt buyer. You can try to negotiate a reduced payoff amount with either the creditor or the collector, but once it is charge off usually the original creditor won't deal with you any longer. Legally, it can be reported on your credit report because you are the account holder. If they want a judgment, they first have to sue you, then they have to win the lawsuit and get a judgement, then they have to collect on the judgment. Remember, just don't ignore any lawsuit papers/summons/notices, answer them in court to preserve your rights.
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