Quote Quoting Mr. Knowitall
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What would be the act of fraud by the debtor?
As I read it, the OP did not open the accounts but allowed the use of her information to allow mother to open the accounts. Apparently OP had no intent of paying the accounts. While it was not an active participation, she was still complicit in the deception of the creditors that has lead to the debt. Her allowing the mother to open the accounts using her information is why the creditors are likely to lose the money they are trying to get from the OP.