I live on Staten Island N.Y. Here is the basic information on the situation. In December 2005 I asked my ex-boyfriend to co-sign a loan for me which he agreed to do. We did it online so the application has no actual signatures on it. Everything was fine and I was paying off the loan (it was for 3,000) until about January 2006 when I was fired from my job. I did try to negotiate the loan with the creditor to settle for a lesser amount but I never heard back from them. Apparently they started going after my ex for the full amount. About 2 weeks ago I was called in to talk to detectives. Apparently my ex filed a police report claiming I stole his identity and opened a loan for 5,000 without his permission. I was told because this was a felony an arrest had to be made (I was first told it was a Class C felony then I was told it was a Class E felony, does anyone know which one it is?) but because of a disability special arraignments are being made for me to turn myself in on Wednesday. I know it was wrong to default on a loan with someone else’s name associated to it but I would think this is a civil matter. I also can’t believe the cops would believe I would commit a crime and blatantly attach my name to it (I’m primary and he’s a co-singer/co-applicant) but I know that doesn’t matter to them.

Anyway I am not looking for free legal advice and I have already called numerous lawyers regarding this and they have quoted 10k and up just to get to the arraignment. Since we don’t have $10 I will be getting a public defender. I am here hoping someone on this forum can guide me to websites/articles about similar cases so I can educate myself. Also if someone actually went through this type of situation can you tell me about you’re experience. I would just like an idea about what to expect since this would be brand new territory for me. Thank you.