Debts and Credit

My wife opened a credit card account in both of our names without my knowledge. She passed away in May 2008. I never was aware of this account until she passed. Now the credit card company is holding me responsible and has applied negative marks to my credit rating. She used my name and SSN in opening the account. The card company cannot provide me with a signature card. Am I legally responsible for this debt? How do I go about contesting this? I have already had the attorney general from Indiana involved. They at least got Chase to respond with records of disbursements but no signature.

I was served a summons for a medical bill I owe for $6,000.00 for skin cancer. I was unable to make payments on it like I agreed (verbal) because I got real sick, unable to work full time, I filed bankruptcy in 2006, I am trying to keep my house out of foreclosure. I have NO assets. I do not know how to reply to this form. One lawyer said let them get judgement because I have nothing; but things in my life have gone from bad to worse. The hole I am standing in is getting deeper & deeper with financial issues. I have a common law husband who is out of work also. He is getting some unemployment. They want to get judgement on him also. BUT he is not responsible for this bill nor is his name on any of the paperwork.

I have a step daughter who I allowed to use my credit card once in an emergency and she within a months time before I received my statement charged over $10,000 on limo's and cartons of wine. She did not have my card, only my credit card number. I did not want to charge her with fraud at that time as she said she would send me money however that never happened. I will do so now since her promises to repay me have never materialized. What form to I need to respond a lawsuit re: credit card that was used by a family member without my permission

Separated...can I do promissory note/power of attorney so wife can get insurance on her vehicle that is in my name? She makes payments on it.

I HAVE A COMERCIAL LOAN UNDER MY NAME FOR 30K; THE COMPANY LOAN WAS TAKING 11% OF THE CREDIT CARD MONTHLY BUSINESS SALES, AROUND $3,300.00, FROM MY BUSINESS CHECKING ACCOUNT,SINCE I CLOSE THE BUSINESS ON MARCH 2009 AND THE CHECKING ACCOUNT TOO, THE COMPANY LOAN COULD NOT GET THE MONTHLY PAYMENT FROM ME, I HAVE NOT ANSWERED ANY OF THE LETTERS, PHONE CALLS AND ADVICES THAT THEY SENT TO ME, MY ECONOMY SITUATION IS POOR BUT I'M NOT LEGAL DECLARE BANKRUPTCY, I DON'T HAVE ANY ASSETS, I'M RENTING A HOME, I WANT TO MAKE ARRAGMENTS IN ORDER TO PAY THAT LOAN, BUT I DON'T KNOW, HOW I CAN DO THAT,I NEED TO WRITE A LEGAL LETTER IN ORDER TO EXPLAIN MY ECONOMY SITUATION TO THEM AND MI INTETION TO PAY IN ORDER TO MAKE ARRAGMENTS, OR WHAT I NEED TO DO?COULD YOU PROVIDE THE RIGHT LETTER OR ADVICE? THANK YOU