Legal Question in Criminal Law in Kentucky

Why is he threatening you with that? Is he just trying to be cruel, or is he trying to get something more out of you? You can always tape record your conversation with him and get him to admit he authorized the accounts. Then when the police come talk to you, you can play them the tape and he'll be the one facing charges for filing a false police report.

Well, he has a pretty hard case to make that he wasn't aware the accounts existed, if he's been making payments on these cards all along, and you just now took over payments of the accounts. For some piece of mind, you should call Citi and explain the situation to them and see whether they can back you up that he's the one who opened the account and verified it and made you an authorized user. As long as you can show he was the one who opened the accounts and made you an authorized user, I'd play hardball with him, and say, "Fine, I guess I don't have to pay anything on them at all. All of the purchases made on the cards were gifts, and I have no legal responsibility for the charges."

Honestly, the situation sounds nasty, and if you can go get a loan or do a balance transfer to a card in your name, I'd say just take the credit card debt you've agreed to pay, and get away from him as soon as possible. If you've got decent credit, you should even be able to transfer the balance to a 0% interest credit card as an introductory rate.

Change your phone number, change your email address, cut all ties with the guy, and move on. Obviously you made the right decision in moving out.