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I know laws vary state by state. Though some shit could end up in a world of hurt as far as fair debt collections. You very well may find it very hard to prove it was a given person with permission or using their own card.
If a roommate used a card without permission that would be small claimes/fraud and not collections depending on the state laws.
I wish you good luck and would love to see a company crack this nut. Though I do not have a crap load of chargebacks over the years I do have a number of checks and cards that failed to rebill after usage.
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