§ 3401 Instrument Signer Liability

• •You can't be forced to pay for a check or promise to pay unless you signed it yourself.
• •If someone else signs for you (like a helper or worker), you still have to pay only if the law says their signature counts for you.
• •If you didn’t sign and no one had the right to sign for you, you don’t owe the money.

Your friend signs a check using your name without your permission to buy a new TV.

You don’t have to pay for the TV because you didn’t sign the check, and your friend wasn’t allowed to sign for you.