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<<<But I wouldn't be surprised if her only way out is to claim either fraud or sometype of identy-theft-of-cosigner of her son's doing, and who knows what long-term consequences that could cause her son.>>>

"Definitely her concern. At the same time it should not be possible to be obligated to repay a loan you never actually signed for!"

If one is unwilling to file identity theft charges, then I am uncertain why one should believe that she did not authorize it (especially if the loan would have been approved without a guarantor).

Disclaiming personal liability and not filing idenity theft charges is very close to having your cake and eating it, too, IMO. In addition, given that the fraud was committed on the lender, too, I am not certain that the lender needs the consent of the mother to file its own charges if she claims the use was not authorized.

Regards, JAFO
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