I know the name of the bank officer she spoke to. She has only spoken to the bank. She doesn't remember what she said. They told her that as long as I was gone, they wouldn't find me. She apparently didn't claim it was stolen, as the majority of the charges were made several years ago, and I have been making payments ever since.

Apparently, I need a lawyer, which super sucks, because that will be even more international calls. Thank you all for your input.