Joint Acct. Holder BK

[Whaler31]

I am the 2nd joint account holder on a US Bank credit card account. The original cardholder filed chapter 7 BK. $3200.00 was the discharged amount.

I did not file BK, but I was a joint account holder, US Bank had me sign on as a "co-joint account" for which I did not sign the master card holder agreement, only a brief paragraph that was sent via fax.

Most of the balance was accrued prior to my signing onto the account.

During the other joint account holders bankruptcy, which is still not fully discharged (any day now), I paid down the card balance by approx. $1400.00....so the balance is now around $2000.00

During the bankruptcy, US Bank closed out my account, changed the account from "joint" to "individual" on all three CRAs, and as of 12/30/07 has the account as "Individual" "Open" and "Current" under my name.

They have done a bunch of nasty things (see prior post's)

I just wondered if I filed in small claims perhaps I could get somewhere.

Any lawyers out there?

Thanks for any help!!

[Amerikaner83]

Hmm...realistically, once the other signer BK'ed, it *did* become an individual account...as it was still open. Two folks responsible, one leaves (BK), that leaves one. US Bank closed the account...why? Probably due to the BK...and the responsibility shifted to yours, as you cosigned when it was still open.

[jq26]

I'm not sure what your claims woul be in court. Unfortunately, the BK'er left you holding the bag. If you continued to make payments on the debt, then there shouldn't be any reference to any lates, etc.

Can you pay it in full and then have the BK'ers pay you for it? Legally they are off the hook but morally they may want to make good to protect you.