Am I obligated to repay a debt incurred from the theft of my credit card three years ago, knowing that the thief made purchases amounting to 30,0, and I reported the bank a few days after the theft, and the buyer or his signature was not verified in the stores, and the bank contacted me to negotiate paying the amount or part of it, and that the debt was written off and purchased by another bank?

The cardholder erred by not notifying the bank immediately after the theft. Therefore, she must bear the amounts paid by the bank to the stores where purchases were made with the stolen card, as this resulted from her negligence. She is liable for the principal amount, but not for usurious interest. She is only liable for the amounts purchased before she notified the bank; anything that occurred after notification is the bank's responsibility.

As for the bank being sold to another bank, this does not nullify the debt. She remains indebted to the first bank, and her liability is not discharged until that bank absolves her.

There is no harm if the bank willingly waives some of the debt for her. However, it is not permissible to refuse payment until the bank waives some of the debt, as this constitutes consuming wealth unlawfully.