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Not my credit card, but I'm an authorized user -- how does that work in Chapter 7?


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I'm an authorized user of my dad's Mastercard account and my aunt's American Express account. They appear on my credit report as being my accounts in good standing. 


Would I have to include those in chapter 7 bankruptcy? Will they get closed or will the account owner get penalized in some way for having me as a user? 



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