What would I even do in this situation? I did not find out that there was a $1,370 loan in my name until I tried to buy a used car and the derogatory status was on my account. The loan was taken in 2015 with Plain Green, I did not find out until 2017-2018 after moving out, she most likely did this when using my I.D for 'Life Insurances' reasons. Later on she told me that it would never hurt my future, I didn't think twice on this as an 18 year old. But now what can I do? Just recently the Loan company has been calling me like crazy, with a representative stating that a claim has been filed against me.

I'm left with only two options, to file a police report and press charges against my own mom or pay for something I never took part in. I don't want this to ruin my marriage nor do I want to put my own mom behind bars or have her business shut down. Any advice? Please...