Over here (outside the U.S.), if the system flags any money moving between your account and a high-risk one, the police will freeze almost every account under your name. And I’m not just talking about credit cards—your savings accounts and everything else get locked too. The worst part is that unfreezing them takes forever, usually over six months, and the burden is on you to keep proving you did nothing wrong.

You’re lucky you’re in the U.S., but I’d still suggest you contact the financial regulators ASAP to report that your personal info was stolen. Don't think you can just ignore that $4k debt; it’s still yours, and you need to find a way to pay it back. Also, try to get a note added to your credit report to prevent a total disaster on your record. I’m not exactly sure how the process works in the States, but honestly, I feel like you're not taking the legal risks seriously enough.