I saw something like this on tv. A girl graduated college and got a copy of her credit report only to find out she was 50k in debt. She had to bite the bullet and sue her dad to make him pay back the money from the credit cards he took out in her name when she was in highschool. It's a tough decision but it was also the parents job to not use you to cover for their own mistakes. Don't let someone else mess up what's yours, man.