My nephew bought a computer from Dell and used my mother for a reference. My mother was called and interviewed. She is elderly and does not remember all the details of the conversation. My nephew did not make payments. Dell has sold the account to Oxford Management services. OMS is now calling my mother demanding payment. She was told that they can freeze her savings account in order to collect the debt. She did not co-sign and no personal information was given to the company except for phone number and address. Is this legal? What are her options?