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fruitchicken

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? 

 

Thanks.

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I would check and make sure you are nothing more than an authorized user and it might be a good idea to get you removed as and authorized user and/or remove those credit lines before you file for Chapter 7. You might want to ask your BK attorney for more details however on how this will affect those accounts.

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