Hello Bob,
I have read many of your posts and saw that you have much to offer in their time of need.
I wanted to explain my situation and see what you thought your opinion was of what to do.
I am a 23 year old male, living with my family, running a family business, while attending school to get my Master's Degree. I already have an Undergraduate degree from Stony Brook University, with a 3.7 G.P.A.
When i was 19 years old, my friend worked at Macy's, and convinced me that he received big discounts on merchandise, and i opened up a credit card with him, where me and him would go shopping, and in return for using my card, he would give me significant "discounts" and clear the charges that we made together, and just told me to give him the money.