Hello I am chris I was 18 my mother took a captail one card out. I am 27 can they still houd me I received a letter now there going to take it out my check without noitce can they do this any answer are help will be thanful thanks for your time

You need to sue your mother and use the money to get rid of the debt.

So you are saying your mother took out a credit card in your name? Did you know about this? A judgement has to be enterd in court before any garnishment of your check can take place and then there is the sol but the main issue is if your mother took this out and signed your name well, that's fraud and she has committed a crime

The SOL starts after the last payment, so how long has it been used, when was the last charge and when was the last payment.

No they have to sue you and get a judgement ( unless they already did that) to garnish your pay