Technically this is credit card fraud / ID theft...You need to answer the complaint that was filed against you. Deny the card is yours, deny any of the signatures on any transactions are yours, wrong address, etc. Did your dad get approved for his own card? Bottom line is you can't just forget about this one...the court could seize your funds/assets and force you to pay/ garnish wages. But given your circumstances you have a great shot at success. You should call a lawyer or research defending against credit card / collections lawsuits. There are tons of resources out there--though I don't recommend using a debt resolution service now that suit has been filed against you.
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" I tried settling with the collection agency but they refused to put anything in writing."
Aside from the possible identity fraud issue, a creditor who refuses to document the charges claimed is not in compliance with the requirements for debt collection. You need an attorney to address these issues.
Contact the MA and Boston bar associations for referrals to credit law practitioners.
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You should first consult with a local attorney to explore your rights. This certainly sounds like credit card fraud or identity theft. As time is of the essence, you need to answer the complaint that was filed against you properly denying the allegations that are not true. If you do not properly answer the complaint you could end up with a judgment against you which could lead to garnished wages or other means of collection attempts. Definitely consult a lawyer as soon as possible.Ask a similar question