Debts and Credit

A person using a fictious name (fictious person for name does not exist}receives a credit card offer for the fictious person and accepts.He then uses the card and makes monthly payments to the account.Does this become fraud and can it result in a legal arrest without a complaint by the card provider.

I would like to know could a lender report foreclosure to the credit bureau if the debt was paid off before the foreclosure process was completed?

My husband is going through cancer treatments. I wanted to apply for food stamps. They wanted a list of all cash, checking and savings accounts. Do I have to list our 401k? Does the government expect us to withdraw our money from there. There will be a penalty not to mention we will have nothing when we retire, social security sure won't be there for us. Also, they wanted to know about all savings accounts. Am I expected to drain my children's megar savings accounts? What am I required legally to disclose?

I had an HVAC service done on my central air system on 7/15/05 from a contractor I had never used before. It was fixed and I never received a bill for the service. I have now received a bill for $335.00 to replace a $15.00 part more than 2 years after the job was done. I got no call or letter saying why the billing was never sent to me. Am I responsible for this? Should I offer to pay half to settle the bill?

In a divorce 3 years ago I wrote my ex a check for pay-off of equity on our house that I kept. She never cashed the check. Since then I have closed that account . I received a letter from her this week saying she wanted her money. Is there a staute on how long she can keep a check and never cash it. Doesn't it become void after a certain period of time?