As a law enforcement employee who dealS with fraud, I can tell you that you are not responsible for fraudulent charges as long as you report it to the correct agencies. There are many kinds of fraud out there right now. Skimming is when your credit card is run through an illegal device that records sensitive account information. Phishing and spoofing are forms offraud wherein you provide sensitive personal information to a site representing itself as another site (all those "Your account has been suspended on PayPal/eBay/etc." emails we all get) or when you type in an internet site and are unknowingly redirected to an illegal site disguised as the original cyber address. Bottom line is, if you file a police report with your local police department under the Identity Theft laws, you should be covered. However, you should also report any fraudulent charges made over the internet to the FBI, as local agencies have no federal jurisdiction. A good website to start with is the Internet Fraud Complaint Center (IFCC) at www.ifccfbi.gov They filter and direct all complaints to the appropriate agencies.
The account holder is responsible for all charges made to the account unless such charges were made fraudulently. The account holder does have the option of suing the involved party to recover money owed. Such lawsuits are generally a matter of small claims court, a relatively simple process that must be handled Pro Se.
As a rule of thumb, the responsible parties insurance carrier in an automobile accident would cover tow charges to the other parties vehicle (as well as the tow charges for your vehicle, providing you carry collision coverage), and the "clean-up" is usually performed by the tow company. Therefore, the responsible carrier would be responsible for the charges. Otherwise, they could be liable for addition accidents or damages caused from the debris left behind.
You will be likely to experience anxiety, possibly even (later) fear of the consequences. You will be responsible for the debt obviously, and if you say you actually never intended to pay for it, subject to criminal fraud charges...which is what you did by fraudulently signing and saying you would do something you had no intent of doing, in order to get goods from someone else. Stealing is another term that may be applied.
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