My father and I(we have the same name. I'm the third) applied for a bank of America credit card in Aug '99 at a red sox game. I went off to college later month and my father told me I got denied. I was only 18, so it seemed right. At the beginning of 2009 I started receiving phone calls from debt collectors about non payment. Come to find out the card was actually mine. When I asked for more information they gave me my ss #, but my fathers home address, home phone number, everything was my fathers. There wasn't any clear indication when the card arrived as who was the owner of the card. I tried settling with the collection agency but they refused to put anything in writing. They are now sueing me for 8500 dollars more than the original debt with the cost going up each time. Options?