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  1. #1
    Join Date
    Jul 2008
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    1

    Default Authorized User on Credit Card Filing Chapter 7

    My question involves bankruptcy in the state of: OHIO

    I am filing Chapter 7 and am an authorized user on my mothers credit card. Will I need to consider this in my bankruptcy or will it not effect my mom at all? My concern is that if I file it will be reflected on my moms credit report. I dont want that to happen and hurt her credit.

  2. #2
    Join Date
    Jan 2008
    Location
    Toledo, OH
    Posts
    16,307

    Default Re: Authorized User on Credit Card Filing Chapter 7

    You're only an authorized user, not a joint account holder?

    It shouldn't affect your mother's credit in the slightest.

  3. #3
    Join Date
    Jan 2006
    Posts
    38,867

    Default Re: Authorized User on Credit Card Filing Chapter 7

    You have no debts as far as your mothers credit card. There is nothing there for you to list in your BK concerning your mothers CC because those debts are your mothers, not yours.

  4. #4
    Join Date
    Apr 2008
    Location
    Texas (Dallas area)
    Posts
    1,404

    Default Re: Authorized User on Credit Card Filing Chapter 7

    I agree with all that was said here, but I would like to add the following;

    If you keep running up your mothers credit card she will continue to owe the amount. If you are trying to build up the debt to take it in a bankruptcy you made an error.

    Your mom will owe any and all amounts you charge on her credit card regardless of your bankruptcy as you are only an authorized user

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