Credit Card Charges from Authorized User

[keith45]

I was recently made aware that my ex-girlfriend ran up over 70K in credit card debt (cash advances) for gambling purposes. I only added her to my accounts to help build/establish her credit. I believe I'm ultimately (legally) responsible for these debts because I'm the primary card holder and she was only an authorized user. I have no chocie but to file for Bankruptcy. How will my situation be viewed in the eyes of the Bankruptcy court? Will I have a problem getting these debts discharged? I'm currently an unemployed student without any assets and or real-estate. Everything I own would be considered exempt (clothes,text books and a leased vechicle in which I would reaffirm the debt).

Thanks,

Keith

[Mr. Knowitall]

I only added her to my accounts to help build/establish her credit.

Whose idea was that? Hers? As she has no responsibility for your debts, adding her as an authorized signer does not build her credit.

I believe I'm ultimately (legally) responsible for these debts because I'm the primary card holder and she was only an authorized user.

Correct.

How will my situation be viewed in the eyes of the Bankruptcy court? Will I have a problem getting these debts discharged?

It sounds like you would probably qualify for Chapter 7 bankruptcy, even after the Bankruptcy Reform Act, and get a discharge. You should discuss the possibility of bankruptcy with a local bankruptcy lawyer.