I'm 20 and just discovered my mom has a $6K credit card balance in my name. My credit is wrecked — and I need help

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My wife is currently unemployed and offered to handle our finances — but then went behind my back and racked up $40K on my credit card. What can I do?

If your wife is an authorized user on your credit card and she maxes it out, she’s dealt a blow to both your trust and your marriage. But that’s not breaking the law.