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).