Can I fight the law suit? Of course. But what happens if I loose? The plaintiff will allege I made payments on the card. Even though I did not make the payments, how can one prove a non-event? Well, the answer is, it can be proven. What is not known is what it will cost to prove this. This can get expensive. For example, to prove a document does not contain your signature might require the hiring of a hand writing expert. That's right, an expert witness.
Any number of various things can lead one to having to consider bankruptcy as a means of relief. The most common include credit card debt and medical expenses. Not as common are people that have had their identity stolen. I know what you are thinking. Identity stolen? Bankruptcy?