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Neil:
It wouldn't be suing, it would be filing criminal charges for either forgery or unauthorized use of a credit device, depending on whether or not the kid signed his mother's name or his own. It's up to the DA to determine if the child would be charged as a juvenile or as an adult, but most felonies committed after the age of 16 1/2 are reviewed to determine whether it qualified to be filed as an adult charge. However, most non-violent crimes are kept in the juvenile court system.
I'm not sure how it worked with your customer and her husband, but I went rounds on this issue twice with one of my foster sons, and the credit card company told me then that they had instituted that policy to keep down the number of chargebacks from feuding relatives.
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