Very unfortunate situation for you to say the least. If this were me I would fight it tooth and nail. Not only to clear your name but she needs to pay for her deeds. At first read I thought the loan was for $2000.00, then I saw that all of this is over $200.00 How very, very sad. It makes me wonder why she is so afraid to tell her husband the truth, if perhaps he's abusive. But then again, everything she says may be a lie. Good luck to you.