So i went out to get the mail this afternoon was looking for some DVDs i ordered on amazon, and found a letter from a collection agency evidently my mother used my name to join some cook book club or some shit I know I would never buy, and now I owe 148 dollars to a collection agency cause she never paid for it. This isn't the first time she's done this before, but if she finds the letter she just tears it up. I'm really starting to hate this woman.
That's really wrong. What she is doing could have severe repercussions that could follow you for a long, long time. Depending on how many times she has done this, things like this could prevent you from getting car loans, mortgages, credit cards (or just having a very shitty interest rate), and even jobs
because employers are starting to look more at peoples credit scores before hiring them to try and get the complete picture.
If you haven't run a credit report for yourself at the credit bureaus, I highly suggest you head over to https://www.annualcreditreport.com/cra/index.jsp
(the only place you should be getting them) and run one. It's free as long as you only do it once per year. You need to find out if she has done any real damage to your credit score before she does it any more.
Also, you are not liable for anything that you didn't personally take out or sign up for. Often, telling credit agencies to back the fuck off and telling them it isn't your debt unless they can PROVE IT IN WRITING that it's your debt and if they don't prove it, they have 30 days to remove it off your report before you speak with a lawyer (probably won't have to go that far). The tricky part is, your mom is the one doing it which might make doing the whole thing harder since you probably don't want to get your mom in trouble. Either way, you should probably run those credit reports. Some people do 1 out of the 3 every 4 months so you have constant coverage, but if you've never run one before, you might want to just get them all at once and see what they say.
Sorry if I come off too serious or overreacting - but there are parents out there who fuck up their own credit up and then decide to ruin their children's credit without telling them. It's definitely a problem and can be a giant issue to try and fix.
Sounds like it's time to move out.