No. You are not liable for a debt that you did apply for, co-sign for or authorize. You should first dispute the debt to the payday lender that...

If I hit a car that was illegally parked, am I responsible ?

If you were negligent (which I assume you were since you hit a parked car), then you are liable for the damages your negligence caused.

I contacted an identity theft lawyer and his paralegal said what they do is file chapter 7 instead.

If the identity theft lawyer's response is to file chapter 7 bankruptcy, then I suspect he or she is not really an identity theft lawyer. ...

My own father using my SSN for his own credit

We feel very sorry for your situation, and can only imagine how upsetting this new development has been for you. As for your question, there is...

Yes. The proper procedure is to report it to the IRS as an identity theft situation. Unfortunately, identity theft via the filing of false tax...