Summons for credit card debt
I received a summons for a credit card debt owed by my father who is incarcerated. He opened the account and asked for an additional card for me when I was a minor. I never signed the contract he is the only one that did as far as I know and I never gave them my social security number. I used the card several times up to 2001 and then I paid what I owed and never used it again, in fact I cut up my card. My father continued to use it. At one point the people kept hounding me and I did not know what to do so I thought I should do the right thing and pay it for my dad. Unfortunately, it was a financial hardship for me and I had to quit. At one point because they continued to hound me I offered to pay 600.00 which was more than half of what was owed and the credit card company said no. I have since learned that it is showing up on my credit and it lists me as an joint user. Aren't they required to have my signature on a contract for that card to list me as a joint user? Now because I can not pay any longer as I am a single mother of 3 small children and only make enough money to keep a roof over my children's head, and get help with groceries from family. I can prove my expenses for just a house, utilities and the necessary needs are more than what I make with nothing extra. I was young at the time this all occurred and did not have anyone to help me so I did what I thought was right by trying to pay this, I was not paying it because it was my debt, I didn't know what to do now they are trying to hold me liable. How do I fight this and win since I have no money to pay this and it is not my debt.