Well, it is my brother after all and I didn't know that I would have to pay if he files for bankruptcy. I've seen this account in my credit report before. I asked and also thought that I was only the authorize user. So, what should I do now? If I file the report or identity theft would my brother be in trouble? He is willing to take care of this bill. He called discover before to take my name off but they refuse since I'm the "joint" acct holder.

I assume once he is bankrupted, discover will come after me or through collection agency. Can I then ask for proof of my signature or proof that I charged on the credit card?