A Sandy woman has been charged with using her sister's identity to obtain several loans and then filing bankruptcy in her sister's name in an attempt to avoid detection.

A federal grand jury this week indicted the 36-year-old woman with three counts of bank fraud, three counts of misuse of a Social Security number, one count of false bankruptcy declaration and one count of bankruptcy fraud. The bank fraud charges alone carry a possible 30-year prison sentence.

According to court documents, between February and June 2002, the woman used her sister's Social Security number to apply for two car loans — one for $8,900 and another for $14,500 — and a $10,000 signature loan at a third bank.

The woman has not been arrested but will receive a summons to appear in U.S. District Court.